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    • The Letter of Claim information is not absolutely essential, but it would be useful for two reasons. Firstly, judges take a dim view of companies or individuals who rush to court without giving the other party notice and a chance to settle - the Letter of Claim.  If they didn't send it we could include this point in your defence and it would be detrimental to them. Secondly, we know Countrywide.  They are a very small cowboy company.  The are reluctant to do court, simply becasue they are very bad  at it.  Their record of beating Caggers in front of a judge is exactly 0%.  They have lost every time.  They send the Letter of Claim also to look for people who don't reply, thinking that the person might not reply to a claim form either, giving them an easy default win.  Conclusion - always best to reply to a Letter of Claim and ridicule the PPC's case.
    • Any update here? I ask as we have someone in a similar situation.
    • Thanks!  I already sent the acknowledgement as i panicked and thought today was the last day to respond.  Then i remembered this wonderful forum.  I'll follow the steps in the sticky next.
    • It's possible.  I suffer from ADHD and also anxiety and depression currently and struggle with paperwork.  I'll have a search around to see if i can find anything.  If they did send something I haven't replied.  I thought there's no way that they will pursue this because I know for a fact i didn't park in a private space and the evidence they have sent is so ridiculous.  What impact does this other paperwork have?
    • The particulars of claim doesn’t mention statement of accounts.  Should I include that in the cpr letter?
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Argos card/Newday - late payment fee due to long bank holiday??


stephenXL
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Do we have a number available that conects to a human being for Argoscard?

Advice & opinions of stephenXL are offered informally, without prejudice & without liability.

Use your own judgement. Seek advice of a qualified insured professional if you have any doubts

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why?

 

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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I wish to appropriately discuss the removal of a late payment charge.

Having never missed a minimum payment in all the time I have had this card, I have been given a late payment fee of £12.00. My payment was caught up during the Easter long bank holiday.

This card is issued by Newday and they have pulled a similar stunt charging a late fee of £12.00 on my Fluid card for the same long bank holiday.

Argoscard website is currently "down" and the Argoscard app is simply a walk in the forest.

 

Im also left wondering how many others have had late penalties applied on their Newday backed cards during the same period.?

 

 

Advice & opinions of stephenXL are offered informally, without prejudice & without liability.

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not on the phone you don't.

 

write with a complaint.

 

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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  • dx100uk changed the title to Argos card/Newday - late payment fee due to long bank holiday??

ok

 

Thanks

Advice & opinions of stephenXL are offered informally, without prejudice & without liability.

Use your own judgement. Seek advice of a qualified insured professional if you have any doubts

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Personally I have an ARGOS and Newday/Marles card.

 

Going to stick up for the card issuer on this one and cannot see a cause of complaint.

 

Your monthly statement gives a specific date payment has to be received. it is your responsibility that payment is received on time. Myself have a direct debit set up for each account so they call the minimum payments. That way avoid any charges. 

 

Also make extra paymets  each month through my Barclays online banking app. Payments appear on my credt card accounts within two hours. Something to consider in the future?

 

As this is the first time they will probably remove the late fee as a goodwill gesture

 

 

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Thanks for the reply.

I use CAG to ask for advice and guidance. Member since 2007.

I have already accepted the advice given by dx100uk.

 

I will post the outcomes negative or possitive soon enough.

 

I am a pensioner on a relatively fixed income managing 100% increase in utility costs for the last 12 months with a further rise from April, also increases in food inflation at well above 20%. Fuel costs are also way up above 12 months ago.

Up until now I think I've done an impecable job of managing my affairs.

 

Thanks

stephenXL

 

 

 

Advice & opinions of stephenXL are offered informally, without prejudice & without liability.

Use your own judgement. Seek advice of a qualified insured professional if you have any doubts

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