Hi James,
thank you for your message
is there a demo?
I more looking for a plugin because I rarely touch the code
I found these 2 plugins (gravity form much more expensive) that approach what I want:
http://codecanyon.net/item/accesspress-anonymous-post-pro/9160446/
https://formidablepro.com/knowledgebase/create-posts/
The best would be that ACF is its own add-on for what seems to me very important to add content from our members