Argos Card

[fecked off]

Hi Folks,

 

I have a defaulted Argos store card which I was approached to take out in store back in 2001,

 

I fell behind with payments when personal family problems happened, and defaulted in 2006.

 

I had been making payments of £1 to most creditors via the CCCA initially,

then a claims management company who I dumped 18 months ago

(worse thing I ever done was to use them in the first place).

 

Fredriksons are the latest DCA to chase me for this debt of £752.02 and

 

2 weeks ago I received a letter from the Infamous Bryan Carter solicitors

stating that they have been instructed to issue court proceedings

if payment is not received by 03/03/14,

 

I have an extension on this as I have sent a formal complaint to Argos regarding PPI which was on the card,

and they refuse to return.

 

I am also questioning the qualifications of the sales advisor who prompted me to take out the card in the first place,

I have heard that this is relevant if this does go to court ??

 

I have now been provided with a copy of my signed CCA,

and would appreciate any advice as to what I can do.

 

Thanks in advance.

[dx100uk]

a PPI reclaim of that age will easily wipeout the debt I bet?

 

so pers i'd be sending carter a copy of your PPI spreadsheet.

 

suck on that dummy...wanna do court now.....

 

dx

[fecked off]

Thanks for looking DX and excuse my ignorance, but how would I go about working out the PPI ?

[dx100uk]

not got all the statements?

 

thought you'd put a claim in?

 

you write a speculative letter to a creditor saying mis-sold PPI

with no evidence or spreadsheet nor an FOS questionnaire

no wonder they fobbedyou off.

 

you need all the statements via an SAR

 

then you KNOW what you should be getting back....

 

you have the info to fill in a speradsheet that calcs it for you.

 

see the links below

[fecked off]

I have only got a few statements and the CCA which show that PPI was applied, I will SAR Argos to get full history.

 

As I said originally I was using a management company and thought they had done all the graft, ha they did sod all but get me CCJ with one of my creditors! they lodged my claim with Argos and the FOS, even though it was out of the FOS remit (muppets).

 

I should have done all of this myself, lesson learnt.

 

Any further advice would be appreciated.