You do not need your host to provide a forum.
Take a look at http://footypunts.proboards19.com/index.cgi
It’s a free forum from proboards.
You have to put up with some Google adwords at the top but that’s it !!
Or visit http://www.proboards.com/ directly to get your own.
DISCLAIMER :
I’m in no way associated with Proboards, and will not be paid for this referral.
I’ve simply used them and like them.
:satisfied