If someone misses several minimum payments in a row then they're in breach of their credit agreement, and we have to end all of the plans and ask for repayment on everything, so all of the plans are added to Normal Credit. If you can confirm that you're able to increase your monthly payments or repay your balance in full, we will be able to remove the suspension on your account. To maintain a quality of service, calls may be monitored or recorded. 13 Aug 1999. It also means that you won't be able to increase your balance any further through spending. How do I close my account? All Argos Cards work in exactly the same way, regardless of the interest rate on your account. Looks from the OP like a case of been there, done that, and even got the T shirt to prove it. Just a couple of notes if you're thinking about changing your Direct Debit details: What day is my Direct Debit taken? You can contact us on 0345 601 0798 about your options at any time. If we have contacted you for the first time about Persistent Debt on your account, we would suggest paying double the monthly minimum payment shown on the front page of your statement each month. Why is that? Have a charge on my bank account from Argos - don't know them and also never bought anything. All in all made my move less stressful and so much easier. Help others avoid a If you remember your Login ID but you've forgotten your Memorable Word or Security Number, log in as normal (enter Login ID & Surname and press Next) but on the second page press Forgotten Your Security Details and follow the instructions. Noticed this morning that a card payment I made in Argos on Friday has come out again today, just rang Natwest who have said that Argos have been experiencing problems and there have been numerous calls today from customers stating that money has come out of their account twice. That shouldn't be a problem - you should give us a call, though, and we can run you through the options. If you can't find the answer to a question you have here online and feel like you need to speak to someone then please call 03456 400 700. To register, you'll need your: account number and sort code, or. Money Worries If you're worried about keeping up repayments to your Argos Card, or have an unexpected strain on your finances, give us a call. Mobile Safari 5 or Opera 20, then you might find you have problems using this site. kwikbreaks Forumite. . If you can't remember it press FORGOTTEN YOUR LOGIN ID below. This means it may take longer than usual for you to receive mail from us or for us to receive anything you send to us in the post during this time. Why are you increasing the interest rate on my account? Please be aware that there are also many similar debt management businesses that will charge you for their services. Why has one of my plans disappeared? If you're unsure whether or not the Direct Debit is set up, give us a call. If it's been longer than that, double check that the money's come out of your bank account and then give us a call. Use the [back to top] links to get back to the full list of questions if you need to. I've received a letter from you asking me to choose from some options. I'm worried about being able to afford my repayments. I'm in arrears or have a repayment arrangement, do I need to pay more? They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action. Please also bear in mind that if your account remains in Persistent Debt, we may need to take other actions, such as suspending on your account from further spending, to help protect you from getting into further debt. So next time you buy something in-store, just ask for one and you'll never lose your receipt again. complaint.info@financial-ombudsman.org.uk. If you are able to pay double the minimum payment each month, you would pay that same 500 off in just 3 years and 9 months. }. If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. What should I do? There could be different reasons for this, please refer to your most recent statement. Results, Reports and Presentations. ARGOS LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, charges, business activity. Argos Ltd. Argos Limited retails online products. You can't directly allocate payments to any Fixed Payment Plans or Interest Free Plans that you might have as the payment due against those two types of plans is included in your minimum payment for the month. If you only make the minimum payment each month, just before your payment date it'll take you 14 years and 8 months to pay off your balance. Find out more about Persistent Debt here. Whenever you ask for a new credit limit (either an increase or decrease) we look at a number of things before we can change it. Can I use a credit card to make a payment? I've received a letter from you that says my account could be suspended. Struggling to pay your bills? Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. (Please ensure that you provide all of your details relevant to your Argos Card account). Argos Limited, trading as Argos, is a catalogue retailer operating in the United Kingdom and Ireland, acquired by Sainsbury's supermarket chain in 2016. If so, please share below! Home Retail Group Card Services Limited is registered in England (04007072) at 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW. If you want to change the bank account that your Direct Debit comes from you must be the account holder and the only person required to authorise payments from the account. Where do I find the bank details for BACS payments? Some older browsers may no longer work for security reasons, so you should make sure your browser is the latest version. The Company offers a wide range of products including home appliances, televisions, audio equipment, bedding, jewelry, sporting goods, toys, and . How do I get past it? But helping them procure how they want to, delivered where they need them, when they need them, underpins our . If you want a Direct Debit to take regular payments to pay off a Buy Now Pay Later you'll need to call us on 03456 400 700. We will continue to monitor your account for 18 months after we write to you the first time and we'll let you know during that time how you are progressing. Give us a call on 03456 400 700 to ask. We will tell you on your monthly statement when your direct debit is set up. If you need to send your payment in the post, please allow extra time for this to reach us. I've sent a text to opt out of the interest rate increase, but I haven't had a response. Once your arrangement has ended, please call us on 0345 601 0798 so we can then discuss your Persistent Debt repayment options with you. We use cookies to make our services work and collect analytics information. If you've sent us a text but haven't received either a confirmation or error message, call us on 0345 608 0152 so we can make sure your request has been logged and start the closure process. The Financial Conduct Authority (FCA) have rules aimed at helping people who find themselves in this situation. I made a payment to a plan but the payment has gone towards a different plan. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. Why am I being told that my details can't be found when I'm trying to register? Paying as much as you can before the plan ends will reduce the amount of interest that you pay. If you require additional support managing your account you can request a letter of authority which we will send through the post for you to complete and return. Can I change my Direct Debit details? How do I update my account? Yell.com Yell Business. We call this the "Deferred Interest Portion". Remember: If you continuously only make the minimum monthly contractual payment every month, it will take you longer and cost you more to clear your balance. What do I do if I'm struggling to pay my bills? FONT-SIZE: x-small; VERTICAL-ALIGN: middle; TEXT-ALIGN: left Can I make a payment using my own online banking? How can I see if I have a Direct Debit set up? If you have any Buy Now, Pay Later plans that start and end before the rate change, the Deferred Interest will be charged at your current interest rate. If you want to change your payment due date, give us a call and ask. I've forgotten my login details. You can only change your payment/statement date a limited number of times. If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action by increasing your monthly payments. . ARGOS INTERNATIONAL LTD - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, charges, business activity . United States. If you have a Buy Now Pay Later plan due to expire next month then we'll also include how much deferred interest might be incurred on it if you don't pay off any more of your balance. Can't you just increase my minimum payment? How do I make a payment? Company status Active . Can I add something to an existing order? What are my options if I don't want the interest rate on my account to increase? If it's not on your statement then it's not set up, and if you don't make your payment then you may incur fees and more interest. I thought I was paperless so why have I received a paper statement? Ready Mix Plants. argos ltd internet on bank statement. We want to resolve your complaint straightaway and were often able to do this on your first contact with us. } FONT-SIZE: 14px; OVERFLOW: hidden; BORDER-TOP: black 1px solid; FONT-FAMILY: Arial, sans-serif; BORDER-RIGHT: black 1px solid; BORDER-BOTTOM: black 1px solid; WORD-BREAK: normal; FONT-WEIGHT: normal; PADDING-BOTTOM: 10px; PADDING-TOP: 10px; PADDING-LEFT: 5px; BORDER-LEFT: black 1px solid; PADDING-RIGHT: 5px You will have the same experience of using the Card as you always have. I asume that Hme Rtl Grp is argos or something but im sure i have'nt spend 20 there this month. When you buy your product you'll be able to spread the cost for up to 12 months without being charged interest. 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