Advice on Default from Argos credit card

[just_jue]

Hi everyone,

 

After checking my credit I have noticed that I have a default for just under £12 due to an Argos store card.

 

I sent them a sar for all the details and it seems I missed a payment back in 2016, which is weird as I have always paid via Direct Debit and carried on afterwards up until I close the account in Sept 2018.

 

Since the missed payment they marked my file as late payment and finally defaulted it in March 2018. 

I never received the default notice from them which is really annoying.

 

Looking on the ICO web site the way I read it I thought a default would only be registered if no payments had been made to the account for 3 - 6 months normally.

 

The most annoying thing is once I paid the account off they still took the direct debit leaving me in credit that was a headache to get back from them.

 

Thanks again

[BankFodder]

I suggest that you begin by sending an SAR to the bank to get the statements particularly for 2016 in order to see if there was a missed payment, if the direct debit became deactivated for any reason and also if you had the necessary balance in your account. Go from there

Which bank?

[just_jue]

Hi, the bank is tesco. 

 

I don't remember ever missing a payment and never had to reinstate the direct debit or anything 

[dx100uk]

there is no 3-6mts limit

a credit card issuer can issue a default notice after one missed payment.