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    • 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.
    • did you submit your directions
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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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