Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
    Basic Account Holder ryscem Novitiate



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    Angry Argos Financial recovery services

    Hi


    i have received a lettericon from Argos Financial recovery services requesting the full balance of my account or they will consider passing my account to a third party who may commence proceedings against me in the county courticon or sheriff court.
    I see this as very threatening and intimidating.


    I lost my job just before xmas 2016 and spoke to Argos to explain that i couldn't afford payments
    but am now at present back in full time employment and my direct debiticon has been reinstated and a payment was made on the 12th of April with the letter from Argos dated the 16th of april.

    I phone Argos to explain that i was now in a position to keep my monthly payment up but they were not even interested as it had been passed on to the recovery department. and demanded i fill out a personal financial statement to see how much i can afford although i am paying anyway.
    I feel that they are just trying to frighten people like myself into making full payments.

    Any advice would be appreciated as i am very frustrated with these complete Muppets.


  2. #2
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Argos Financial recovery services

    its a std threat-o-gram
    only the OWNER of a debt can take yo to court
    ignore and stay off the phone


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  3. #3
    Basic Account Holder ryscem Novitiate



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    Default Re: Argos Financial recovery services

    Thanks for the advice.


  4. #4
    Royalties Account Holder unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67 Highly authoritative unclebulgaria67's Avatar



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    Default

    Quote Originally Posted by ryscem View Post
    Thanks for the advice.
    Have you got a copy of the default notice ?

    This would tell you when you had to pay the default amount by and if not the full account balance would become due.

    Did you keep Argos finance informed of your circumstances throughout the whole period ?


  5. #5
    Basic Account Holder ryscem Novitiate



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    Default Re: Argos Financial recovery services

    Yes i spoke to them on a number of ocasions and i am now paying by DDicon again so i really can not see there problem. I see this as an intimidating threat.


  6. #6
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    Default

    Quote Originally Posted by ryscem View Post
    Yes i spoke to them on a number of ocasions and i am now paying by DDicon again so i really can not see there problem. I see this as an intimidating threat.
    I think you may have failed to grasp the position that Argos may have.

    If you had a default notice and you did not pay within the time expected, you are outside of the normal account billing system. In affect your account is now with their debt collectionicon department and you are paying a monthly amount against the full balance, but apparently not with Argos agreement. Even if you continued paying monthly, Argos would treat this as not paying the full balance.

    This is why i asked for details of the default notice.



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