If you wish to make any additional specific payments you can ask us to direct these in a specific way to meet your needs. Paying as much as you can before the plan ends will reduce the amount of interest that you pay. The Financial Conduct Authority (FCA) have rules aimed at helping people who find themselves in this situation. If you don't pay in full in this time, you'll be charged interest. Does Persistent Debt affect my credit score? In our handy User Guide. I'm in arrears or have a repayment arrangement, do I need to pay more? To be able to manage these costs, we need to take this action now. Innovation; Innovation; Argos Innovation Center; Projects; National help line and fax; USA: 1(888)567 66 29 Colombia: 01 8000 522021 You will continue to receive other correspondence and letters via email as usual. For example, let's say you have a Normal Credit balance of 500 on your Argos Card with an interest rate of 34.9% APR and you don't make any other purchases. How might the proposed Royal Mail strike affect my Argos Card? The Annual Percentage Rate (APR) is the total cost of having an Argos Card, expressed as an annual percentage of the total amount of credit. You've rejected analytics cookies. It is for 20. Here's some information which may come in handy if you're unsure about how to do something on myargoscard.co.uk. I've sent a text to opt out of the interest rate increase, but I haven't had a response. I've sent a text to opt out of the interest rate increase and received an error message. There could be a few reasons why your payment's not working, so let's check a few things first. Why is my payment not showing on my account? What do I do if I'm struggling to pay my bills? You're not tied in to paying a higher amount all the time. Find out more about Persistent Debt here. VERTICAL-ALIGN: middle; TEXT-ALIGN: left Here are a few reasons why you might not be able to update your limit: How do I increase my credit limit? We have a couple of Direct Debit options for you: Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? It depends how much you can pay off towards a plan and when your plans were started. What do I do if I've lost my Argos Card or had it stolen? I thought I was paperless so why have I received a paper statement? How Deferred Interest is included as part of your Minimum Payment?'). Have a charge on my bank account from Argos - don't know them and also never bought anything. I made a payment to a plan but the payment has gone towards a different plan. Of course. If you've forgotten all of your login details, give us a call and we'll help OR download the My Argos Card App and manage your account on your phone or tablet. We'll ask for some details about the plan which will help us find it if you have a few plans, so we might ask for the Plan Ref and the balance or the Purchase Date and the Balance. We will keep you up to date throughout while we are investigating your complaint, until we provide you with a formal response either via e-mail or letter. Find out more about Persistent Debt here. How Deferred Interest is included as part of your Minimum Payment? The credit card charge ARGOS RETAIL GROUP INTERNET GB was first recorded on April 05, 2015. How do I get past it? Although there's no charge for having an Argos Card account we may charge: The above charges are referred to in your Argos Card Terms & Conditions as 'Default Charges'. Call us on 03456 400 700 to see how we can help. One of the following will do nicely: Ooh, and don't forget we offer e-receipts too. Call charges may vary please check with your provider. How will I know if my Argos Card account is in Persistent Debt? If after that you still get an error message, call us on 0345 608 0152 so we can make sure your request has been logged and start the closure process. If we ask you to call us, please do call as soon as you can - 03456 400 700 . It's important because if you don't, it'll take you longer to repay the debt and you'll be charged more interest during that period. Bank Statement Templates. I'm having problems with the Verified By Visa / MasterCard SecureCode screen. You can turn off your paper statements, and paper letters we occasionally send you, when you log in to myargoscard.co.uk or if you download and register on the My Argos Card App. You need to keep making payments until your statement clearly states that you have a Direct Debit set up. 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. In order to move out of Persistent Debt, you should pay what you can afford to, as often as you can. reasonable costs for enforcing the agreement, including any loss, costs or expenses that may be incurred in collecting money owed under this agreement; It's the amount of interest that you could be charged if you don't pay off the full Buy Now, Pay Later plan balance before the plan ends. See our advice on Website Security. Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. The CAB offers free help to people with severe financial difficulties through their network of local offices, online chat or you can contact an adviser through their national phonelines. No - you can only register one Argos Card account on myargoscard.co.uk. . Please take a look at our dedicated help page for more information. How do I get past it? Received three charges from them totaling over $800. We'll write to you at the end of that period with details of any further action you may need to take. Help others avoid a The Financial Conduct Authority have rules which mean that we need to help you to take action to move your account out of Persistent Debt. What's my Memorable Word and my Security Number? I've forgotten my login details. If you've got a Normal Credit balance, the interest that might be charged from that is included in your estimated interest figure. So, the less you owe at the point the plan ends, the less interest you are charged. Once we have received your completed form we will add the details to your account which will allow the person you have nominated to access, change and manage your account in full. Argos is currently taking money from customers without goods available. We may be able to offer you support and we'll look at the options available to help you keep up with repayments. I've received a letter from you asking me to choose from some options. You can submit a request for a Minimum Payment Direct Debit on myargoscard.co.uk. How do I know my online order has actually gone through? How might the proposed Royal Mail strike affect my Argos Card? I don't think I'm in Persistent Debt. If you want to change your payment due date, give us a call and ask. We're working hard to resolve these issues as quickly as possible. VJ. If you want to check your statement urgently, you can do it on myargoscard.co.uk where we have your current and most recent statements. How much should I pay each month? You are required to make at least your minimum monthly contractual payment as detailed in your statement and this will be applied to your account in the order stated above. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. Company status Active . Does the Card cost anything? credit card, personal loan or mortgage number. Why is logging in so difficult? If the mastercard or else, argos ltd re save on bank statement each month before. Your payment history will show on your credit file and can affect your credit score. All you need is your bank account number and your sort code. 91% of users have reported this charge as Shows transaction details for the statement period requested by the customer. Give us a call on 03456 400 700 to ask.. If you're still in Persistent Debt after this time, we'll write to you again to tell you what further action we may have to take, including suspending your Argos Card from further spending. This article was first published in Leading Internet Case Law on 26 April 2017.. If you've only recently opened your account then it's possible you may not have a statement yet. Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. We can assist you with registering your domain name, design web pages and manage your web severs, enable online commerce, electronic mail, news groups and discussion groups. Argos for Business work closely with private, public and charity organisations to help them leverage the scale of Argos for their business needs. I've forgotten my details. Visa Debit, MasterCard Debit or Maestro) and press Make A Payment when you're logged in. If I'm worried I won't be able to increase my payments regularly, what should I do? Call us on 03456 400 700 to discuss the options available to you. Displays last 3 or 5 transaction details, depending upon the bank. Coming here to MyArgosCard.co.uk, or downloading and registering for the My Argos Card App, where you can manage your account and make payments, Calling our automated payment system on 03456 400 700. 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. How can I see if I have a Direct Debit set up? BORDER-COLLAPSE: collapse; BORDER-SPACING: 0; MARGIN: 0px auto Don't forget to talk to us: If you have a letter or email from us asking you to get in touch to confirm an option to us, or if you need to talk to us about your situation, call us as soon as possible on 0345 601 0798. Next accounts made up to 6 March 2023 In the App you can view each of your plans in the My Credit Plans section, this will show you the purchase date, the purchase value and the outstanding balance. Paying by HIGH STREET BANK, BUILDING SOCIETY or POST OFFICE Please allow 5 working days for payments to reach your account. Can I change my Direct Debit details? If you have set up a repayment arrangement to clear the arrears on your account, then you don't need to increase your payments at the moment. 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. What happens if I go over my credit limit? Any of these: till/kiosk receipt; confirmation email; e-receipt ; your order number; If you can't find one of the above, don't worry. Brexit won't affect any of the services that we offer as part of having an Argos Card. We will also try to make sure that we fix the root cause of problems so that we dont make similar mistakes again. the duration of your original Plan). Just remember to keep your software up-to-date - check your browser for updates, make sure your device OS (operating system) is updated. Brightstar which are seeing footfall and argos ltd re save on bank statement. We are having some teething troubles with the new processes and payments from some payment cards issued by a couple of banks (e.g. Paying as much as you can before the plan ends will reduce the amount of interest that you pay. We take your financial circumstances into consideration as well as some other information about your account. You should also cancel this with your bank. UK High Court, [2017] EWHC 231 (Ch), 15 February 2017. It shouldn't take more than a minute or two. Why am I being told that my details can't be found when I am trying to register? Use the [back to top] links to get back to the full list of questions if you need to. Your Security Number is a bit like a passcode - but unlike the passcode you might use for an App or your phone, this one is five digits long (and it's not the same as your My Argos Card App passcode. Check that you have no security software running that might be blocking the PDF from downloading. We simply need to warn you that if you continue to pay the minimum, you'd owe the debt over a longer period and be charged more interest during that time. Paying by CHEQUE in the post Please allow a minimum of 5 working days for your bank to process your payment and for it to reach your account. Why do you need my contact details? Of course! United States. If you're still concerned about being able to repay your Normal Credit balance, give us a call on 03456 400 700 and we can discuss the options available to you. If you want to set one up or amend an existing Direct Debit log into this website or call us on 03456 400 700. You will have the same experience of using the Card as you always have. It is on a card that I don't really use and I can't remember if I bought anything for 20 that day. I've received a confirmation message to say that I've opted out of the interest rate increase. Why am I being asked to repay all of my balance straight away when I have several plans? It can take up to a month to close your account and it might take up to another month for your credit file to update. You can - just enter your Card number and expiry date from your final Argos Card. Whilst these options could affect your credit file, it's worth considering them carefully if you need additional help with making repayments. How will increasing the interest rate impact the way my account works? We want to help you, so please contact us on 0345 601 0798 if you want to talk about Persistent Debt. Details on how to contact the Financial Ombudsman Service: By post:Financial Ombudsman ServiceExchange TowerHarbour Exchange SquareLondonE14 9SR, Telephone: 0800 0234 567 or 0300 123 9 123. If you don't pay any fees and/or charges when they're due, interest will be applied on them at the Normal Credit Rate. The amount you need to pay depends on your current situation and how long you have been in Persistent Debt and how much you can afford to pay each month. All Rights Reserved. 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