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Argos Card, Default Notice?


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Hi, I have received a default notice of £30 odd from Argos Card, could someone

 

A) explain what this means? and what it's repercussions are

B) also what my next step should be other than pay it? (which I can currently afford to do in the specified 14 days)

 

Many thanks!

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f you don't pay the stated amount in 14 days

you get a default on your credit file

 

which will kill any credit for 6yrs

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi,

 

Paying it would be the way to go.

 

A default notice is a formal letter, sent by a creditor, telling you how much you need to pay to bring your account up to date.

 

Your creditor will usually send you a default notice when you’ve missed 3 to 6 payments. You’ll be given at least 14 days to pay the amount stated on the notice.

 

A default notice will tell you that if you can’t pay, your account will be cancelled and ‘defaulted’. If the account is a card or overdraft you won’t be able to use it to borrow money.

 

A default notice is only required for debts that are regulated by the Consumer Credit Act.

 

Your creditors will inform credit reference agencies when an account defaults. The default will appear on your credit file for six years, and will make it harder to get credit for this time.

 

When you get a default notice you’ll also get an advice sheet from the Office of Fair Trading with contact details of organisations that can help you if you’re struggling to repay debts.

 

Once the account has defaulted the creditor can:

 

Demand the full balance is paid immediately

Sell the debt to a debt collection agency

Begin court action to recover the debt

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Excellent, that will be the first thing I pay next week then!

 

bloody cheek, you'd think I owed them thousands if it wasn't for their charges I'd only owe them about £60 as it is.

 

also thank you for your replies :)

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if you are being hit with £12 PENALTY fees

 

get reclaiming

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

if it wasn't for their charges I'd only owe them about £60 as it is.

 

 

Have you had a look at re-claiming any ( unlawful penalties) charges, do you have all your statements for this account.

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Excellent, that will be the first thing I pay next week then!

 

bloody cheek, you'd think I owed them thousands if it wasn't for their charges I'd only owe them about £60 as it is.

 

also thank you for your replies :)

 

I think I'd be reclaiming the charges

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Bugger.....DX beat us by 1 bliddy minute :-D

 

:-)

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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shouldn't beat you

 

i'm a lot farther north than you lot :noidea::noidea:

 

dx!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 5 months later...

So assuming FRS produce the correct paperwork

 

 

what should be my next step be?

 

 

set-up some kind of payment plan?

 

 

currently I am not and have not made any payments to Argos Card for a number of months...

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you scan it up first

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

FRS is Home retail group. Same office, same staff, same operating system........... just a different level of B***sh*t......... until you get it in front of a district judge.

 

Yes I assumed as much...

 

I'm buying the postal order for the SAR today, do I need to make them payable to Argos Card Services Ltd? or should I leave it blank bust crossed? also I notice that the template letter does not state that the PO is to only be used specifically for the SAR do I need to state this somewhere or is it already assumed?

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leave it blank

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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save your money

 

 

simply use free proof of posting from the PO counter

when you get the PO's

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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save your money

 

 

simply use free proof of posting from the PO counter

when you get the PO's

 

 

dx

 

Too late I've just paid online,

 

I've never understood what proof of posting proves anyway all that happens is the cashier gives you a receipt with the postcode handwritten on it... I could do that myself.

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in terms of the regs that surround say the CCA or legal docs

 

all they have to do is prove they sent it

 

so all you have to do

IF IF IF this ever went to court

is prove you posted a document/letter.

 

 

you'll know for next time.

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

I recieved a letter from Moor Croft today stating that they are acting on behalf of Argos Ltd to reclaim my debt and that they have added £12 to the account as per the terms of my account I've still not recieved a copy of my agreement from them though... and they have definitely recieved and cashed the cheque

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all penalty charges are unlawful and can be reclaimed.

 

 

ignore them till you get a signed CCA

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

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