Money Saving Expert www.moneysavingexpert.com

There are those that have thousands of posts to their name suggesting they spend all day every day on the forums which is quite sad really. Instead of having a proper healthy life they prefer to spend every waking hour being snidy and trying to win points over others. Those that have been on the forums for many years have formed cliquey groups that use the 'thanks' button to support and win arguments.

I would advise anyone to stay away from these venomous forums and enjoy life.

They really need to get competent moderators or shut down the MSE forum due to the really obnoxious keyboard warriors that use it.

The overseas holidays harbours some of the most horrible trolls on any forum I have ever used.

Moderators are a joke as they just allow the regular protagonists to spout their bile on unsuspecting contributors.

One contributor has been banned on numerous occasions, but is allowed to return under a different user name to frequently abuse anyone who disagrees with their point of view.

An awful website and I would advise that if you do really need advice on a certain subject, go to a dedicated forum and avoid this den of iniquity like the plague!

Beware if you're thinking about joining the forum. I've had an experience that mirrors the other reviews on here, so it's clear this has been going on for years and isn't something the website is interested in tackling. If you read their forum rules and FAQs you'd believe that you'd be protected from bullying and nasty comments, but the truth is you're not. If you bite back you'll be ganged up on and may end up being banned without warning or explanation, despite the fact their FAQs say that they have a "card" system, whereby you'll be contacted about your behaviour and if you ignore warnings then you'll be given a yellow card with an explanation. If you continue to break the rules you'll then receive a red card for serious or gross rule breaking, followed by being banned if you still do not abide by the rules. I was not given the benefit of this card system or an explanation - just banned for standing up to those who were harassing and bullying me and then told they did not have to provide me with an explanation and would not be. I also advised them I had mental health problems and they were rude and accused me of being aggressive and nasty. Horrible people, horrible site, horrible staff. If you want help with something and value your well-being, don't join this forum unless you want to risk being ridiculed and bullied.

Avoid the forums. If you want to end up feeling like utter rubbish then it's a good place to go, other than that, avoid.

Some of the site is excellent but wait until you get to the forums, especially in the Household & Travel section. These boards are inundated with snidey and unhelpful trolls who consider their sole role is to belittle and snipe. This is not helped by the fact the boards are so many the few moderators can't handle the quantity of posts properly. This has put off many people who genuinely seek assistance.

This site' forum is probably the worst pessimistic consumer forum you'd ever find.

Most people are using the site to promote their products and services using search engine optimisation since the site is ranked high in google index.

I would strongly advice anyone contemplating to join to stay put with their forums.

I spent many hours on MSE forums over the years, handing out advice, with some 20'000+ posts to my name. It used to be a good forum, you could be honest with people and ultimately help them get out of financial hell and hopefully save them some money.

Recently though (August 2017) the forum mods have been politically leaning very much left of centre and happily banning long term members, the people who really made the forums so successful, banning them for no good reason, often just for telling the absolute unfiltered, un-sugarcoated truth.

Criticise capitalism or consumerism, get banned. Criticise someone for being in debt and taking out yet more loans, get banned. Crack a slightly controversial (even with no swearing) joke, get banned. Quote a famous person who once said something else that was controversial (like Sir Winston Churchill), get banned. Criticise a govt run organisation, get banned. Criticise the BBC, get banned.

The easiest job in the world is to earn a living from scare mongering. They make huge profits from imbosiles that purchase from them or their advertisers that hold them on a pedestal. It is a business! Not a supposed service to the consumer.

the forums are full of bitter women and men stuck in unhappy marriages, doing a job they hate, so they try to take it out on people asking questions about credit cards, banks, etc.

The forum is full of foul mouthed people whose only reason for existence is to hold their hand out for their entitlement - what they don't know they simply make up and post as if it was fact. This site panders and condones advice that borders on the fraudulent.