Thankyou, even if they repay the charges it won't clear the balance, so I'm not sure what will happen with the balance, can I just pay a reduced amount until such time I can afford to clear it? I have had a email back from Grattan asking for a doctors letter confirming my illness, then they may think about freezing interest, can they do this?

I've got myself into a bit of a mess with 2 catalogues & argos store card, (separate thread for catalogues. but same situation!) I've been diagnosed with a incurable lifelong condition that at the moment is requiring steroid treatment and for the past few months haven't been able to work as much as I should, so have got in a mess financially. I contacted argos as soon as I couldn't make my minimum payment, instead of £40 they let me pay £20 a month for 6 months, the 6 months is now up and I'm getting letters and several phone calls a day from FCA? I signed into my account online but it wont let me contact them by email, says I have to phone, I don't do any phone conversations only via email I sent one to the card customer services which came back with a automated reply saying they've changed the way they correspond with customers and to phone them or sign in to account and contact them, but I can't. Each month I cant pay the £40 they add on £12 charges and interest and its spiralling, does anyone have a email address for argos to see if I can have a extension for reduced amounts or any advise please Thank you

I have been having problems paying a mail order catalogue for a few months now, due to being diagnosed with a incurable lifelong illness and being on steroid medication etc haven't been working as much as I would like, hoping to be in remission one day! I contacted littlewoods saying I was having problems and instead of the £100 I normally pay they would let me pay £50 for two months which I did, then as soon as the two months were up they went back to continually phoning and sending letters, I've written asking them to let me have reduced payments for 6 months but seem to be ignoring me. I did ask for them to refund PPI and charges on my account a few years ago which they did but I never sent a SAR or a CCA or whatever else I was supposed to send, just filled out a form they sent me and they paid a amount I was happy with. They are still charging £12 each month for either missed/late payments. I'm not sure what to do now? I also have a grattan account which I'm in the same situation with, they let me reduce payments for 4 months but still added interest on but not the £12, now the 4 months have finished they are adding the interest and the £12 each month and the amount is spiralling out of control, Grattan said they would only freeze interest if I go through stepchange or similar and sort out a monthly payment scheme, I don't know what to do next Thank you for reading this