Mum Vs Argos/fredrickson Internatonal

[pigsic]

HI THERE STARTED A NEW THREAD ABOUT MUMS ARDOS ACCOUNT COS WE MIGHT GET CONFUSED IF I CARRY ON THE PREVIOUS THREAD COS WE HAVE STUDIO AND TSB ON THAT DEBT COLLECTORS THREAD. BUT GOING BACK TO PREVIOUS THREAD BACK ON THE 8 DECMEMBER 2007 WE CCA FREDRICKSON INTERNATIONAL WHO ARE WORKING FOR ARGOS NEVER HEARD FROM THEM SINCE UNTIL SATURDAY MUM RECEIVED THIS LETTER IN THE POST ITS NOT A CREDIT AGREEMENT ITS AN APPLICATION FORM COULD YOU PLEASE HELP AND ADVICE ME WHAT TO DO FROM HEAR

 

WILL POST LETTER NOW

THANKS PIGSIC

[pigsic]

[pigsic]

[N.P]

Hi again pigsic,

 

Have a read of this http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/106494-argos-card-moorcroft-debt.html

 

I`m also scrapping with Fredrikson and Argos, only this weekend they sent me a CCA which is beleived to be unenforceable due to there being no terms and also due to the shabby quality of the copy.

 

I haven`t quite sorted a response as yet, but pt2573 has posted me a letter I can edit to taste.

 

From what they`ve sent you, you should be laughing at these bum wipes as it`s just an application form with nothing on. How on Earth are they going to enforce that? LOL

 

Oh, and I also received a copy of the same letter you have, word for word.

 

Think I`ll just let them fester a while and maybe reply to their next letter.

 

Catch you later.

 

Regards

 

 

N.P

[Guest Old_andrew2018]

Hi

It does look as if it is an application only, however you should get some advice soon.

 

The DCA might claim it is acceptable under the cca 1974, but we could apply for many cards using appication forms where would the evidence be that any were accepted, wew can as I see it only be liable if an agreement was properly executed.

Regards

 

andy

[fuzzybobble]

Join the Argos team CCA group. My Argos account was passed to Moorcroft. I think Argos use a few different DCA's these days. But it's likely none of them can suppy a credit agreement or at least one of the application forms so many post on here. In fact lots on here report that Argos have been bad boys and girls when it comes to agreements that don't comply with the CCA 1974.

 

All you have is what it says at the top right of your scanned document. It's an "APPLICATION FORM" It shows that you applied for a card and that is all. No enforceable agreement, no pescribed terms, and they most likely know it too. But they will try and make you think it is, hoping you'll pay up 'cause they sent you a photocopy of an official document from a few years ago.

 

Do what I did in this case and question the validity of the agreement and invite them to take you to court if they really think they have a proper executed agreement. Believe me, they know they don't and they will never follow up their threats. A few DCA's have tried their luck though, but stick with the CAG and you'lll never go wrong. They'll soon be sent packing.

[pt2537]

well, in view of what they sent,

 

 

you have a few options

 

 

 

 

you could consider

 

 

 

 

making it in to a paper aeroplane

 

 

or you could use it as toilet roll (although i wouldnt recommend it)

 

 

but im afraid if you wanted it as an enforceable credit agreement then you will be disappointed cos its no good for that

[Guest Old_andrew2018]

Hi

Its time to send another letter explaining they have failed to supply what was requested

 

Here is another link to a CURLYBEN letter which you can adapt fit your need if required http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131759-aktiv-kapital-re-reliable.html#post1414931

 

Regards

 

Andy

[Curlyben]

For the moment hold fire on any response to them as they have yet to comply with your CCA request.

While the letter Andrew has linked to is good, it's not really the right one for this situation.

I'll post up a better response as and when Fred's contact you again.

[Guest Old_andrew2018]

thanks CURLEYBEN, as you see I'm still learning,

 

Regards

 

andy

[The GodMother]

we learn more every day andrew. I new nothing b4 i found this site.

[N.P]

Hi all,

 

They might be inviting you to apply for a new Argos Card.

 

If your lucky they might send you a Loan Application Form too, LOL.

 

 

N.P

[The GodMother]

well thats one i did not think of.

 

Would ashe be able to use the second card to pay off the first tho.

 

lol

[loyalbrummie]

they just never learn do they , i reckon that if we were to add something about the CAG in our letters they would drop em quicker than a hot potato.

[pigsic]

thanks everyone for your advice if we sit back and wait for another letter what happens if they take it further and end up taking mum to court then she will be in trouble

lisa

[The GodMother]

no as they dont have a valid CCA. An application form doe not prove anything except that you applide for the card.

[fuzzybobble]

Don't worry Lisa,

Once they fail to provide a proper agreement, then it puts you in the driving seat. They'll just keep sending threat-o-gram letters hoping to scare you into paying. All you have to do is follow the excellent advice that the CAG provides, and you'll be just fine. There's a few of us following your Argos thread who are in the same situation, so you're among friends who can and are willing to help. So don't worry. See it as a bit of fun. And getting the upper hand on a big company for a change. :grin:

 

As a example I 've thrown a £10,000 debt into dispute cause they sent a microfiche copy of the so called agreement. I challenged them to produce one in court. If they didn't take me to court then I said I would take them to court and force them to turn up with the actual agreement. I knew they wouldn't as beforehand they offered me a 30% discount and passed it on to two different DCA's, which says they are trying to cut their losses as they know they don't have the original agreement.

 

Since then they started phoning me 5 times a day, which is a sign of a DCA trying to collect on a pig in a poke debt they know they have no hope of ever making any money on.

 

Don't give in Lisa. Fight until the end, post everything on here and the satisfaction of winning against the bad DCA's

 

Good luck :grin:

[pigsic]

well still have not heard from frredrickson after they sent the argos application form instead of the agreement. I did not send anything back as advice so still waitning

[N.P]

well still have not heard from frredrickson after they sent the argos application form instead of the agreement. I did not send anything back as advice so still waitning

 

 

Hi Lisa,

 

I received an application / agreement type thing a couple of weeks or so ago.

 

It`s beleived to be unenforceable as there`s doesn`t seem to be any of the terms and it also looks like it`s a very bad copy of a Microfiche document, instead of a clear copy of the original document.

 

I too also ignored them and have not heard anything since. But, saying that, I don`t think they`ll give up that easily.

 

I`ll keep watching with interest.

 

Regards

 

 

N.P

[fuzzybobble]

well still have not heard from frredrickson after they sent the argos application form instead of the agreement. I did not send anything back as advice so still waitning

 

I've been waiting almost 2 months now and still nothing at all from either Moorcroft or Argos. I CCA's them on the same day. Neither have bothered to reply with either an applicaton form or a demand for money.

 

I'll just put it down to Argos buying me a 40th birthday gift of a load of camping equipment and a sat nav to find the campsites with.

Does anyone know the address for Argos's head office so I can send them a postcard?

[The GodMother]

lol

 

i will find it for u

[pigsic]

Hi there all

You wont believe me but having a right laugh but fredrickson have sent the same letter again as before but only this time with an argos statement, what are they playing at? Do you think I should reply this time or wait again. Please could someone advice me what to do thank you

lisa

[Curlyben]

Oh dear.

 

File under ignore.

[N.P]

Hi Lisa,

 

just thought I`d nosey in, we`re at the same place with the clowns at Fredrikson and Argos.

 

Hi Curly, I was thinking on the lines of ignoring these bozo`s.

 

Regards

 

 

N.P

[pigsic]

hi there everyone

Well we have an update for you fredricyson have know sent an agreement on saturday after a long time , could you plase look at it and help me of where to go from here im am sure they have copied and pasteted the signiture and information onto the agreements