Has Anyone Gone Up Against Argos

[Lyn A]

Hi,
Just wondered if anyone has applied for refund of charges from Argos store card?
We have had the card for just over a year and the interest and late payment charges have just snowballed.
We don't know if we can claim against interest as we started off by knowing the interest rates although I have to admit not really thinking exactly what they would be.
I lost my job through becoming disabled and we decided to stop using the card. If we make the minimum payments which we can only pay some months the interest is phenomenal.
We also, unfortunately have been charged late payments. One of the reasons in the past was due to me making the payments online before it clicked this was the reason as it takes so long to reach them.
So we started making payments by cheque which obviously takes longer too. It's ridiculous because the money leaves our account on the same day as paying online but can take up to 5 working days before they get it.
So, along with late payment charges, and interest we now have charges because we are over the credit limit!!!!! We have not used the card for ages but with all this getting added on it's a nightmare. We have never purchased anything to make it over the credit limit!!!
Of course, it would solve all the problems if we could pay it off and be done with them but unfortunately we are not in the position to do so. They refuse to change the payment due date to make it easier for us to get the payments to them in plenty time.
This month there is a charge for them telephoning regarding the account. I was in hospital and unable to take the call so they phoned twice!!!!! 2 calls, still unable to take the calls so another even bigger charge for the letter. £17 charge for 1 letter!
We are not missing the payments out, only paying the minimal charge but struggling to pay the extra charges. It's a vicious circle. We would probably be better taking out a loan to pay them off as was suggested by them!!!!!! "Do you have anyone who could lend you the money?" :o This was when I telephoned them and asked if they could withhold the interest rates to give us a chance.

Has this happened to anyone else??

[blueskies]

Hello and welcome Lyn,

You will be pleased to learn that the principles that we use to fight the banks also apply to storecards too,

If you start by having a good read through the FAQ's on the site and when you understand them, start a new thread in the storecards section and post your progress and ask any questions in there and someone will be able to help you.

Steve