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    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
    • I lived there with her up until I gave notice. She took over the tenancy in her name. I had a letter from the council and a refund of the council tax for 1 month.    She took on the bills and tenancy and only paid the rent. No utility bills or council tax were paid once she took it over. She will continue to not pay bills in her new house which I'm now having to pay or will have to. I have looked online I believe the police and solicitors are going by the partner law to make me liable.   I have always paid my bills and ensured her half was paid then see how much free money is over.   She spends all her money on payday loans and rubbish then panics about the rent. I usually end up paying it or having to get her a loan.   Stupidly in my name but at the time it was because she was my partner. I even paid to move her and clean and decorate her old house so she got the deposit back. It cost me £3000 due to the mess she always leaves behind.
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    • Just use the print option 'print to pdf' which will save a copy of email as pdf document on your device. If you lived at address as partner when the liability was not settled, then it would be Council Tax legislation they would use. This is designed to stop tenants or owners of a property resident in a property not to pay tax due, when the normal bill payee does not pay the liability due. If you want to know the exact legislation wording, suggest you search for it online, as the legislation is available to view online. If you did not live at address as partner at the time, there is no law they could use.
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Argos Financial recovery services


ryscem
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Hi

 

 

i have received a letter from Argos Financial recovery services requesting the full balance of my account or they will consider passing my account to a third party who may commence proceedings against me in the county court or sheriff court.

I see this as very threatening and intimidating.

 

 

I lost my job just before xmas 2016 and spoke to Argos to explain that i couldn't afford payments

but am now at present back in full time employment and my direct debit has been reinstated and a payment was made on the 12th of April with the letter from Argos dated the 16th of april.

 

I phone Argos to explain that i was now in a position to keep my monthly payment up but they were not even interested as it had been passed on to the recovery department. and demanded i fill out a personal financial statement to see how much i can afford although i am paying anyway.

I feel that they are just trying to frighten people like myself into making full payments.

 

Any advice would be appreciated as i am very frustrated with these complete Muppets.:-x:-x:-x:-x:-x:-x

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its a std threat-o-gram

only the OWNER of a debt can take yo to court

ignore and stay off the phone

 

 

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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Thanks for the advice.

 

Have you got a copy of the default notice ?

 

This would tell you when you had to pay the default amount by and if not the full account balance would become due.

 

Did you keep Argos finance informed of your circumstances throughout the whole period ?

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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Yes i spoke to them on a number of ocasions and i am now paying by DD again so i really can not see there problem. I see this as an intimidating threat.

 

I think you may have failed to grasp the position that Argos may have.

 

If you had a default notice and you did not pay within the time expected, you are outside of the normal account billing system. In affect your account is now with their debt collection department and you are paying a monthly amount against the full balance, but apparently not with Argos agreement. Even if you continued paying monthly, Argos would treat this as not paying the full balance.

 

This is why i asked for details of the default notice.

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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