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    • I'm not sure we were on standard tariffs - I've uploaded as many proofs as I can for the ombudsman - ovo called last night uping the compensation to 100 from 50 pounds for the slip in customer service however they won't acknowledge the the problem them not acknowledging a fault has caused nor are they willing to remedy anything as they won't accept the meter or formula was wrong.   I'd appreciate more details on the economy 7 approach and I'll update the ombudsman with any information you can share. 
    • To re-iterate and highlight my urgent question on this one: The N24 from the court did not include any instructions to submit paperwork 28 days before the date, unlike the N157 received for other smaller claims. Do I have to submit a WS for this court date? Link has!...
    • No, reading the guidance online it says to wait for a letter from the court. Should I wait or submit the directions? BTW, I assume that the directions are a longer version of the particular of claim accompanied by evidence, correct?
    • Thanks for opening, it's been another rough year for my family and I've procastinated a little.. Due to the age of my defaults on this and other accounts (circa 2021), I really need to avoid a CCJ as that will be another 6 years of credit issues. Mediation failed as I played the 'not enough info to make a decision' however during the call for some reason they did offer settlement at 80%, I refused. this has been allocated to small claims track, court date is June 3 and I've received their WS. I'm starting on my WS. They do appear to have provided everything required of them (even if docs could be reconstructions). Not really sure what my argument is anymore but I do want to attend court and see this through. Should a judgement be made against me then I will clear the balance within 30 days and have the CCJ removed - this is still possible isn't it? I'm going to be reading up today and tomorrow and hope you can provide me some guidance in the meantime. Wonder what your advice would be given the documents they have provided? I am now in a position to clear the debt either by lump sum or a few large installments - Is this something i should look into at this late stage? Thanks as always in advance
    • I have now received my SAR. It includes a great deal of information! Is there a time limit on how long account information is kept and/or can be provided to debtors? I have received many account statements which were not previously sent to me. I remember that the creditor should provide explanations of any acronyms and abbreviations that maybe used in the documents. Is this still the case? Also what, if any, are the regulations in regard to adding fees to a debt? Can fees be added to a debt after the court has approved a charge on a property. Perhaps due to the numerous owners of the debt, many payments I made were not properly recorded on the account, some were entered over a year after the payment was made! Following the Legal Charge, I paid every month until my payments were refused. I am trying to compute the over payments, but the addition of fees etc. is confusing me. Any comments and/or help would be appreciated.
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Argos Card - Interest impossible to pay


Lilythepink
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I took out a card in 2002, with my mum who has now passed away.

 

 

I have been trying to pay this off, but the interest this month on £1950 is nearly £200.

 

 

I cannot afford the payments let alone this interest.

 

Does anyone have the same problem, as its just ridiculous.:-x

LilythePink

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Have you told them to STOP all interest as your circumstances have changed?

 

Was it a joint account?

 

Unfortunately it is the dreaded Vanquis card! They're a right pain.....

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I am the main cardholder, my mum was just an additional cardholder. I am just about the write a letter to them, any ideas of what to write thanks

LilythePink

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I think there is a 'Harship' letter in the library you can send them, asking them, to stop all interest and charges for the time being.?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Meant Hardship, not harship!

 

Do they have anything on their site about financial difficulty?

http://www.argos-credit-card.co.uk/terms-and-conditions

 

It would appear not!

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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They warn you about the high interest rates on your bill, and in fact pay later items, they warn you that you might not be able to afford the interest, so then why do they charge such high interest.

LilythePink

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Simply because you're the product, they care nothing of if you can afford it or not.

You're simply profit to them.

  • Confused 1

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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  • 2 months later...

Argos are still charging interest and won't stop, they have sent me a incom/outgoing sheet to fill in. I sent them a consultant's report from 2012, when I was very ill with anxiety, and was off work for a while. They are asking for current medical reports on my health.

 

Can I ask for a CCA?

LilythePink

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Argos are still charging interest and won't stop, they have sent me a incom/outgoing sheet to fill in. I sent them a consultant's report from 2012, when I was very ill with anxiety, and was off work for a while. They are asking for current medical reports on my health.

 

Can I ask for a CCA?

 

Yes, do this straight away.

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They are taking the proverbial, how dare they ask for such personal private information such as your medical reports, I know exactly where I'd tell them to

stuff that little request!!

 

What they won't tell you is that their silly little card isn't a priority debt, and as such it comes right down the bottom of the list of things to pay, and yes I do mean after you've had your hair and nails done, partied the weekend away and saved for you holiday in Barbados.

 

If you have told them to stop interest because of your circumstances and they have ignored you and are continuing to add their interest, then IMO I would drop them down to £1 a month whilst exhausting their complaints procedure (if they have one?) and then escalating it to the FOS.

 

I'm guessing that this is already on your credit file? What are they marking it down as?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Late payments at the moment, but I received three different letter today and a budget sheet with each. No default yet? Will draft a letter and send it off, asking for agreement.

LilythePink

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  • 2 weeks later...

Asking for the CCA, but do I need to explain about my illness?

 

 

They want an up to date report,

 

 

I could get one, but as you say, it is private and they should not be asking for it.

 

 

Interest is being applied,

 

 

and at the moment, I am in an argument with Nationwide and a charge on my home.

LilythePink

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treat the cca as a separate request. make sure you have proof of postage as well.

 

I would also send a full SAR to make sure you have all the paperwork and to highlight any historic late payment charges and insurances that might be able to be reclaimed/reduce the balance.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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makes no odds

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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but DONT change them

 

 

CCA request

SAR

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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