This is just one of the forums/websites I've seen that are worried about StormPay. I suggest you remove any credit card and/or bank you have listed with them, spend your funds asap and then close...

I recommend locked area lite...it's excellent and fairly secure:
http://www.locked-area.com/html/lite/features.html

I always use PHPbb and there are tons of mods for it, if you do a search, to add more features to it.

I'm not sure if this is the right forum to post this, but I have a classified ads script and want users to be able to add their website url to their ads. I can't afford much, but would welcome any...