Home Retail Group Default - Argos Card

[rubydo]

Hi,

 

Just wondered where I stand with a default from Home Retail Group (Argos card).

 

 

I missed 2 payments in August 2010 and they registered a default in November 2010.

 

 

I paid the debt of fully in May 2012.

 

 

That is when Home retail group stopped reporting my account to the CRA.

 

 

I called them last week about removing the default or account from the CRA's but they have no details of my account on their systems.

 

 

I looked into this a little and believe that Home Retail Group updated their systems in 2013 and may have deleted my account as it was satisfied.

 

 

Would this give me a case to call/write to them to get them to remove my default?

 

 

As I think they have no info on it?

 

Kind Regards

[maroondevo52]

Hello and Welcome,

 

If the default was placed correctly, I'd very much doubt you've a case for it's removal.

[dx100uk]

tell us the full story please.

 

 

have you all the statements?

 

 

were there any PENALTY charges/PPI running up before this default?

 

 

dx

[rubydo]

tell us the full story please.

 

have you all the statements?

 

were there any PENALTY charges/PPI running up before this default?

 

dx

 

Hi,

 

This account is a argos store card account which I opened 14/9/2005.

The account history was impeccable until I first missed a payment due March 2010.

This was the only payment I did miss and this account was back up to date in July 2010.

 

 

I then had a bit of financial difficulty (husband lost his job), missing 2 payments around September/October 2010.

 

 

I spoke to 'Home Retail Group' who were understanding of my situation.

 

However in January 2011 I realised that 'Home Retail Group' had defaulted my account

even though I had paid them what was agreed to bring my account up to date.

 

 

I carried on my payments, never missing one, until the account was paid off in full in April 2012.

 

I didn’t received a default notice or any communications from Argos about a default.

 

There was no PPI on the account and i was charged a couple of £12 late payment fees.

I can only put my hands on one of the last statements, dated Oct 2010.

 

I have just called Them again and they definitely don't have my account on their system anymore.

I was told to write to an address in 'thynne street, bolton'

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?146244-Who-or-what-operates-from-Thynne-Street-Bolton