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    • Hi @BankFodder
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Hi

 

Hope someone can advise.

 

I had issues paying my Argos card. Totally my own fault, I had entered a payment plan but my mother was diagnosed with cancer and subsequently passed away. During that time I completely forgot to call Argos and make payments. I know it's my fault and I should have kept on top of it.

 

A few weeks back I got a call from a company called FRS. They asked for my details which I refused to give as I'd never heard of them. They called a few times and each time I refused to give my details.

 

Then then sent me an email.

 

I called Argos and spoke to a particularly vile rep who told me my mothers passing should make no difference and I should have prioritised Argos payments over her. So I refuse to call them again.

 

Argos have never sent me a letter saying the debt has been passed. FRS have never sent me a letter saying they are now dealing with the debt. I have received no mail at all regarding this. Just phone calls and email from FRS telling me to contact them. But no contact details to enable me to contact them. The email says no reply so I can't even reply to the email.

 

Has anyone had any dealings with these? Where can I find their contact details? Can I request all further communication be in writing?

 

I have taken advice from step change so have the template letter to send to them (I don't have any other debts. Just this) but don't know where to send it to.

 

Any advice is appreciated.

 

Thanks for reading.

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Stay off the phone and do everything in writing. Nothing they say they will put in writing.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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Can you scan up the letter you had, and edit out all personal information. Then convert it to a PDF file. It's likely a generic threat letter. Argos love sending them out, even though they wont do much apart from try and levy a ton of unenforceable penalty charges and then sell the debt on.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Can you scan up the letter you had, and edit out all personal information. Then convert it to a PDF file. It's likely a generic threat letter. Argos love sending them out, even though they wont do much apart from try and levy a ton of unenforceable penalty charges and then sell the debt on.
<br />

 

 

<br />

 

 

 

 

Thanks. I haven't received any letters either from Argos or FRS reguarding the debt being passed. The last letter I have from Argos is a statement statement showing missed payments

 

First I knew was FRS called me. They said it was about my Argos card then asked for my DOB etc. I refused to give them any information as I'd never heard of them.

 

The email has an FRS header and simply says please contact FRS urgently about your Argos card. But gives no other details.

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Just to add. I have just received a text message that says this.

 

(My name) Please contact FRS urgently on 08445590876 to discuss your Argos account.

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http://www.consumeractiongroup.co.uk/forum/showthread.php?357032-Argos-card-problems

 

Another cagger had the same issues (although not for the same reason) with both Argos and FRS in 2012.

 

I would suggest you send the following to FRS in order to establish if they are merely collecting on behalf of Argos or have been assigned/sold the debt.

 

 

[ATTACH=CONFIG]51233[/ATTACH]

 

You can also add a bit to the letter above advising that you will NOT under any circumstances communicate with FRS other than in writing. This is your legal right. That their constant bombardment of telephone calls/texts and emails insisting that you telephone them is harrassment and you will be making a complaint to the FCA and FOS if they continue.

 

I think they are probably acting outside of the FCA regulations by not providing you with either an email address you can respond to, or an address you can write to.

 

This is their Registered office address, I believe.

 

Financial Recovery Services

1 Priory Court,

Buttermarket Street,

Warrington,

WA1 2NP

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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personally if theyre just sending you texts, i would ignore them completely and start repayment discussions with argos.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Thank you.

 

Am I best calling Argos or the number in the SMS message to confirm their address to send the letter too.

 

Googling them shows the above address and an address is Manchester.

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If you are uncertain, then yes speak to Argos and ask them to confirm the registered office address of FRS for you.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you are uncertain, then yes speak to Argos and ask them to confirm the registered office address of FRS for you.

 

 

 

 

Thank you. Will call Argos tomorrow.

 

When I send the letter to FRS should I send it tracked? Previous to speaking the step change the citizens advice wrote to Argos a number of times on my behalf and Argos denied ever receiving a letter from them.

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If FRS are only communicating with you via text, i would ignore them for now. Speak to argos first and get the full facts. If FRS do not own the debt, then you can ignore them completely forever.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Got a call back from Argos today. Called Monday but they couldn't confirm if my account had been passed to FRS.

 

They put me through to FRS who said they had sent me numerous letters. Which they haven't.

 

I asked them to keep all communications via letter. They said there's a 20p charge added to my account for any letters they send out. Is this correct?

 

They were very reluctant to send a letter but I basically told them I will only communicate via post with them.

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Ignore FRS. If Argos still have your account on their system, then deal with Argos.

 

Ignore all the silly charges the dca tries to add to profit off you.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ignore FRS. If Argos still have your account on their system, then deal with Argos.

 

 

 

Ignore all the silly charges the dca tries to add to profit off you.

 

Thanks.

 

Argos have told me the debt had been passed to FRS so I now have to deal with them.

 

Is it legal for FRS to add charges for sending me a letter.

 

I've gone over the conversation in my head and now I can't quite remember if he said there was a charge if £20 or 20p added to my account for every letter they send me.

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Has it been passed or sold. If its been passed, just ignore them and push with Argos for a repayment plan. Tell FRS to do one. Note: That only applies if the DCA is acting on behalf of Argos only. If they try and add £20 ( was that argos or FRS? ), then it would be an unenforceable penalty charge and reclaimable.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Has it been passed or sold. If its been passed, just ignore them and push with Argos for a repayment plan. Tell FRS to do one. Note: That only applies if the DCA is acting on behalf of Argos only. If they try and add £20 ( was that argos or FRS? ), then it would be an unenforceable penalty charge and reclaimable.

 

I've no idea to be honest. When I spoke to Argos today they said I now have to deal with FRS.

 

I do believe FRS are Argos in house DCA if that makes a difference?

 

It was FRS that said there is a charge added to my account every time they send me a letter.

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Theyre just passing the buck to make more profit out of you.

 

Ignore their silly threats and stick to a repayment plan YOU can afford and not what they demand. Make sure that before you pay a penny, ALL interest and charges are stopped. If they dont, then simply pay them £1 a month as their actions are not doing anything to help you reduce the debt.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Theyre just passing the buck to make more profit out of you.

 

 

 

Ignore their silly threats and stick to a repayment plan YOU can afford and not what they demand. Make sure that before you pay a penny, ALL interest and charges are stopped. If they dont, then simply pay them £1 a month as their actions are not doing anything to help you reduce the debt.

 

 

 

 

Thanks.

 

Yeah I've already got the template from stepchange asking them to stop interest etc.

 

They've given me their address so I'll send that off tomorrow.

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Make sure to address it to a specific person if possible. Not just 'the collections department'

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Make sure to address it to a specific person if possible. Not just 'the collections department'

 

 

 

 

I'll call back tomorrow and ask who is dealing with my care and address it to them.

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  • 2 weeks later...

Well. I've not received any letters from FRS.

 

Called back and they kept saying they could tell me everything over the phone and don't need to send letters.

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Ignore their prattle.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Ignore their prattle.

 

I've asked several times for communication to be letter only. They have ignored me. And continue to call.

 

I'm not sure what I'm supposed to do now. I need to sort a payment plan but obviously they can say what they like over the phone and with no letters I have no proof of anything.

 

I can't ignore the debt.

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If they continue to call and you have told them in writing not to, then you need to escalate it to the regulators and seriously consider court action for harassment. Especially since they still havent proven the debt is yours.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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  • 2 weeks later...

Finally got a letter of FRS. Have sent the template letter from StepChange off.

 

Have also kept a record of when they've called and told them if they call again I will be making a complaint.

 

Thanks to everyone for the advice.

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