Hi

i have received a letter 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 court 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 debit 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.:-x:-x:-x:-x:-x

its a std threat-o-gram

only the OWNER of a debt can take yo to court

ignore and stay off the phone

dx

Thanks for the advice.

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 ?

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

Yes i spoke to them on a number of ocasions and i am now paying by DD 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 collection 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.