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Argos reporting misleading information to credit reference agencies


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In 2011 I opened an Argos card account and have never missed a payment or paid late.

 

With that in mind, last year due to personal circumstances I have defaulted on a financial arrangement with a different organisation.

 

Upon checking my credit file regularly I have seen that Argos are reporting that my account with them is showing;

The account status is currently under review due to a query.

 

Argos have been reporting this same status since May 2015 - long before anything else went into arrears.

 

Are they allowed to do this and if not, what course of action can I take against them?

 

I have tried calling them to ask the question but they were evasive and told me to write to them :mad2:

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Can anyone throw any light on this please?

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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You need to write to them, or escalate it to their CEO and ask them what is going on. Until you get the answer, theres not much you can do.... yet

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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is there a default registered?

 

 

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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Default is with a different organisation, nothing to do with Argos.

 

I think I know what your thinking but Argos cannot and should not be reporting like this because it looks as if there is a query with the handling of my account with ARGOS, when there isn't.

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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Share on other sites
Default is with a different organisation, nothing to do with Argos.

 

I think I know what your thinking but Argos cannot and should not be reporting like this because it looks as if there is a query with the handling of my account with ARGOS, when there isn't.

 

In your Argos account terms snd conditions there should be an address that deals with complaints. You need to write to the Head of compliance and Data Protection asking for their explanation. You can escalate your complaint to the ICO regarding any Data Protection issues with wrong reports being made on your credit record and also to the FOS, if Argos false reporting has caused any financial loss.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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These bloomin financial organisations who beg you to have these things yet are too quick to mess up your credit worthiness and now I have to spend my valuable time to sort it out - be glad when I have paid it off.....ARGH!!!:-x

 

Thank you for your guidance :)

Santander PPI X 2 **WON** claims on behalf of son (Oct 2010/ Mar 2011)

Citicard O/H (PPI) - **WON** Compound Interest Dec 2011

Citicard O/H (Charges) Bailiffs sent in August 2012

Barclaycard - **WON** Compound Interest Oct 2011

Monument - account information being sought for OH

Citicard - self - N1 submitted August 2012

Barclaycard - self - **WON** damages for non disclosure/information now rec'd. Aug 2012

Barclaycard - relation - Failed SAR sent 29/09/11

Halifax SAR sent 18/08/2011 for relation

LTSB - SAR sent 09/08/2011 for friend

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These bloomin financial organisations who beg you to have these things yet are too quick to mess up your credit worthiness and now I have to spend my valuable time to sort it out - be glad when I have paid it off.....ARGH!!!:-x

 

Thank you for your guidance :)

 

Who said borrowing money was supposed to fun and pain free !

 

If they have made a mistake you can request compensation for your costs in resolving this. They deliberately make the complaints process an admin task, so only the committed continue to pursue.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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

 

If you want advice on your thread please PM me a link to your thread

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