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Advice on Default from Argos credit card


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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

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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?

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  • dx100uk changed the title to Advice on Default from Argos credit card

there is no 3-6mts limit

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



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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