Hi, I'm glad your case has been sucessful. I have a problem with argos but am not sure if it is as straight forward. Everything was fine, no defaults or problems until I ordered somehing and the girl asked if I would like a buy now pay later scheme. I wasn't particularlyt interested but she said, "it just means ou won't have to pay immediately." I agreed and thought nothing of it until six months later I received a huge bill I couldn't afford. Argos said it was because I had paid for the above item within six monthsso interest had been added. I feel this was never explained properly and had it been I would never have embarked on the buy now pay later and wouldn't have become in arrears. Argos said all I can do is let my account go into arrears so it is eventually passed over to collections where and affordable direct debit will be set up. In the meantime however, I am inccuring more charges. Is there anything I can do?