<<< Since we have been ripped off big time by the banks and the likes of anon, 99 etc, will the consumer,s watchdog do their job and protect us on our behalf rather than working for the banks and financial institutes? >>>

Sadly, the short answer is NO.

From "The Crime of the Century" series:

http://www.netcastdaily.com/broadcast/fsn2008-0531-3b.mp3