Argos card problems

[chrismk]

Hi all

 

A drop in income has led me to enter payment arrangements with my creditors,

 

in March a buy now pay later agreement reached its payment date.

 

I didn't receive a statement from Argos and forgot the first payment was due, even though I didn't receive a statement

I accept this was my fault.

 

Argos phoned and phoned and eventually managed to speak with me demanding payment.

 

I told them I wanted a statement first, this eventually arrived I then signed up to pay online at my Argos card.

 

After signing up I was told I would receive an email when my statements were ready to view,

this never happened and my next payment was also missed.

 

They started to call me again, I tried to log in to view my statements and pay but it wouldn't let me stating my account was in arrears and I should call.

 

I tried over a few days but couldn't get through.

 

I then go on holiday and return to a default notice dated 8th June,

 

I write to them explaining the situation etc asking for statements and an explanation of why I couldn't log in,

or why they hadn't sent me postal statements or written to me.

 

They ignored it.

 

I then receive a notice of sum of arrears on the 27th June, I write again and still to date no reply.

 

Today I receive a letter from financial recovery services ltd, demanding payment and saying they act on behalf of Argos.

 

They call me this evening and threaten all sorts, I tell them I've written to Argos and to date have had no reply.

 

I'm not disputing I owe the money but cant believe a genuine mistake has led to me now not being able to clear the arrears,

I feel Argos should have at the very least written to me and sent statements.

 

Welcome everyone's opinions on what I should do, thank you in advance.

[dx100uk]

there is nothing wrong with you paying by your internet banking site

that way you control it

 

use the info on the back of your statemnt

 

if and when you get them!!

 

as for the DCa, i think thats their in house one anyhow

better to stay off the phone too.

 

they have no legal powers anyhow.

 

you can also reclaim those PENALTY fees

 

dx

[ims21]

SAR them to get the full account history.

 

Have you got copies of all of your correspondence?

 

Reclaim any charges they have put on the account plus any interest they have charged you on them.

 

Then you will know the exact figure you owe them and you pay them what you can afford, not what they tell you.

[chrismk]

Thanks for the responses, yes i have copies of the letters i sent to argos. I just cant believe argos have and continue to ignore me and would rather pass me to a debt collector. Its not that i dont want to pay but i havent had any statements to show howmuch to pay. And now i cant clear all the arrears. Should i write to argos again or the debt collector

[ims21]

As in post #3

 

SAR Argos.

 

Ignore the DCA

[chrismk]

Ok thank you

[chrismk]

Just noticed the default notice Argos sent does not have a date on it to comply by, it just says 14 days from the date of this notice. Thats not right is it?

[dx100uk]

must be a date

 

and it'll also have PENALTY chargs in the balance they state you need to pay

 

so that two things wrong.

how was it posted and when?

 

dx

[chrismk]

Hi thanks for the reply, no date to pay by just says 14 days from date of this notice which was 8th June. I cant remember how it was posted i threw the envelope away.

[chrismk]

Hi All

 

Just wondered if anyone could clarify this for me.

 

I received a default from Argos which by the looks of it isn't correct as stated above.

 

After the default notice was received I received a demand for the full balance from FRS.

 

As they sent a default and FRS acting on behalf or argos demanded full payment does this mean Argos have terminated the agreement?

[dx100uk]

doubt it.

 

check who is shown as the owner on your CRA file

 

see below

noddle is free

 

dx

 

 

dx

[Sasuke25]

I'd like to point out that an "Argos Card" is not actually directly linked to Argos

- Santander provide external credit services so you'd be better off contacting Santander directly otherwise it has to go through more than one company. I hope this helps.

[chrismk]

Hi all

 

So Argos continue to ignore me

and FRS continue to hound me with endless calls, messages and emails.

 

I'm more than willing to discuss with Argos but they don't seem to want too!!

 

I followed the advice in an earlier post and sent FRS a CCA request which was received by them on the 31st July.

 

To date I have had nothing back from them only letters stating I'm ignoring them which leads me to believe there either ignoring the CCA request or just don't care.

 

So question is what should I do now if they don't send the CCA?

 

Thanks

[dx100uk]

they ignore you

 

you ignore them!

or send the failure to comply

letter

 

 

dx

[chrismk]

Thanks for the reply, think I'll send the failure to comply letter if I don't hear anything by the time the 12 working days expire.

Once I do that what happens next ?

[chrismk]

Hi All,

 

Thought I'd update the post and hopefully get some more help and advice as I'm rapidly losing the will to live with Argos.

 

Following on from my first post, I never received statements either through the post or via the online account option and when I tried to log in to it would never let me.

I have written to Argos several times concerning this but have never had a reply. Instead they have issued a default, constantly ignored me and passed me to two external debt collectors to date.

 

In an effort to get them to listen to me and in the hope of getting some sort of up to date account statement I sent them a CCA request. I sent this recorded and was received by them on the 31st July 2012. I received a copy of my application form and credit agreement back from them via Moorcroft on the 22nd November, almost 4 months later. The copy of the agreement is missing some of the terms and conditions because they have only included a copy of the front page.

 

On the front of the credit agreement it states "your monthly statements will tell you when you must make payments, which will be at least 25 days after the statement date".

I have written and pointed this out to Argos, told them I wasn't getting statements, Asked for the statements, asked for the status of the account, asked why they are ignoring me, asked why they keep passing it from DCA to DCA - Every single letter has been ignored.

 

So a default, a rapidly increasing debt, incomplete CCA, dodgy default notice, no statements received, cant log in to account online, have no idea how much I owe or the amount of any charges etc.

 

I know I could send a SAR, however I don't see why I should pay for the information I should of had in the first place, I feel like I have been totally screwed over.

 

Would welcome any help or suggestions

[dx100uk]

sadly the SAR is the only option

 

dx

[chrismk]

Thanks for the advice DX, i'm sure your right. I just cant help thinking that I should fight this. It seems unfair that I'm in this position when I feel they hold a large portion of the blame and just seem to think they can ignore me and pass to debt collectors.

[dx100uk]

to do anything you need INFO

 

slowly slowly catchy monkey.

 

dx

[chrismk]

Hi All,

 

I now have all my statements and a re-consituted copy of my CCA request.

 

They state that the high court case Carey v HSBC Bank Plc (2009) and the OFT Guidance on s78 has confirmed that they can satisfy there duty under s78 by providing a re-consituted agreement.

 

They also state The Consumer Credit (cancellation Notices and copies of documents) Regulations 1983 states they can omit certain information including the signature box.

 

So I have received, 6 A4 sheets with my name and address on the top just like on a letter and then the rest copied and pasted onto the pages, nothing on it relates to me, no signature, no dates or anything.

 

Does this satisfy a CCA Request?

 

Thanks in Advance

[dx100uk]

did you get that crs file done?

 

dx

[chrismk]

did you get that crs file done?

 

dx

 

CRS file? sorry what is that

[dx100uk]

cra file sorry

 

see below

 

dx

[chrismk]

cra file sorry

 

see below

 

dx

 

Hi Yes,

 

It's showing on my credit file, Argos are the owners, current status is defaulted.

 

I wrote an official complaint to Argos, they have finally responded and included a full account history and a re-consituted credit agreement.

 

They basically don't care about there failure to supply statements

and now tell me there final response is that they have complied with there end of the agreement.

 

They go on to tell me the account has been passed to Fredrickson and I will hear from them shortly, Unless I get a notice of assignment they can get lost.

 

I'm not sure what to do now i feel shafted by Argos, I

still don't think they have supplied a correct response to my CCA request,

the reconstituted agreement does not even have my details on it.

[dx100uk]

its not compliant

 

send the account in dispute letter [failure to supply an enforceable agreement.

 

they'll flog this debt now

 

and you'll eventuall get discount letters.

 

what is the opening & defaulted dates from the CRA file?

 

dx