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ignored offer.....and more charges added!


stitch05
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Hi,

I have an Argos card and I am in the process of claiming back charges. I am behind with the payments, so I offered to pay a small amount each month.

 

They have completely ignored me... and I have received a letter from someone called Moorcroft, who say I have to pay them the full amount and have added £12 on to the debt for writing to me!

 

This seems unfair, I wrote to Argos with a breakdown of all incomings/outgoings and explained my financial situation so they could see that I only have a small amount left over to pay debts.

 

Could anyone advise me if they have acted unfairly? thanks!

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thanks Bigmac,

The letter is quite intimidating it has PRE-COURT DIVISION in large red text..:o

they say... 'we are agents of Argos' ...they go on.. 'send a cheque to 'Moorcroft Debt Recovery' and...

'...we have had to resort to sending this letter and as per the terms and conditions of your agreement we have added £12 to above balance'

....they did'nt have to resort to it...I was willing to pay...all be it a small amount!

I will post CCA tomorrow, just wondering should I post to Argos or Moorcroft? Moorcroft have given me 7 days to respond, and feel worried about ignoring them in case they add more charges.....or worse....should I write to them both? appreciate any advice! thank you!:)

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