I've been going through this rubbish with argos for 3 years now! Just an application form, they never even sent me a default notice! I got a list of all correspondence etc in my subject access request and there are no letters, defaults anything listed anywhere near the default date. I keep asking them to highlight when the notice was issued and they ignore me again. After no response to my last letter well over a year ago, I suddenly got a letter today from a new DCA (about the 10th since the hoopla began). Well the standard letter is going back, the account is in dispute and Argos are in default. I have not bothered over the last year but I've had enough and am going to be complaining about Argos to the OFT. This is nothing more than harrassment. The thing is all I was trying to do was buy a little breathing time with them in the first place, but after the way they treated me they won't be getting a penny.

What if you had never signed an agreement or anything you did sign did not say anything about use of your personal data? Thanks.

Hi Guys, Thanks for your help Dollies and sorry I have not been about to say thanks sooner! Its been manic. I have sent of the request and it came back including a copy of the agreement. I have checked and double checked and everything on the agreement they have sent and my copies are absolutely identical, except...... The details of the loan amounts are in a different order to the ones on my agreement. The copy they have sent me is supposed to be the top copy I signed whilst I received the blue and yellow carbon copies. On the copy they have sent the amounts are all in what I assume are the right places but different to the copies that I hold. Mine: Theres: 1792.42 342.42 342.42 1792.42 1867.42 75.00 75.00 1867.42 The things on my copies being in the wrong box could be explained by the carbon copies underneath slipping when they where completed however this would not cause the list of costs in one column to change their order. Does anyone have any advice on what to do next? I was thinking of asking it back and at the same time pointing out the error and asking how it can be different on the different copies of the same document. I have both original carbon copies of my agreements. Thanks guys, Min

Hi all, A couple of years back I was in an unfortunate position and stupidly took out a loan with WF. I was definitely told at the time that the insurance as compulsory. The guy was actually very rude, I was feeling bad enough so he really shook me up. I've looked at my credit agreement and noticed that it has not been correctly completed. I took out a loan for £1300 but in the loan details it states the following. Familycare £1300 Emergency Homecare £150 Amount of credit: £1792.42 Acceptance fee: £342.42 Total amount of loan: £1867.42 Yes that doesn't add up and underneath is scrawled 75.00. The box for Optional Payment Protection Insurance was not completed at all. From what I've read I now beleive that the £75 was the acceptance fee, £342.42 was the insurance (I genuinely thought this was the acceptance fee and felt sick when I saw it) and £150 was medicare. I was later posted the terms and conditions of the insurance but these do not state that it was optional and says it can only be cancelled when the loan is paid up. I'm not trying to get out of money I do owe and the loan was fully paid up with no late payments etc. However I feel that it was not properly explained to me what I was paying for and I was never aware that the insurance payments where voluntary (as according to the agreement I did not have any optional insurance). I feel that the insurance money was completed elsewhere in order to trick me into thinking that nothing was voluntary and that I had no choice. Can anyone advise me if this is correct? Will it improve my chances of getting my money (plus horrendous interest) back? Thanks in advance for any help! Min