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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

Argos!!!

dinghy

By dinghy
in Argos

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dinghy

dinghy

Posted
Posted

It's exactly the same as any other bank/cc company...

 

You can find all the letters in the library...

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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jem

jem

Posted
Posted

hiya.

was just wondering if anyone has a template i can send to argos asking for my charges back as i owe £1425, when the amount id spent on my card is only £900 so the rest is charges and if i dont pay £60 a month they put more charges on, when i told them i cannot afford this much.

so i would like all my charges back but have no idea where to start with the letter.

any help would be much appriciated.

thanks jemma .

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  • 4 weeks later...
  • 3 weeks later...
  • 2 weeks later...
jem

jem

Posted
Posted

do you think its worth sending another letter as there telling me that unless i pay £500 in charge by next week its going to a balif well ive already payed out £200 in charges and iam paying out all this money and nothing is acually coming off my bloody bill!!! fuming!!!!!!!

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caro

caro

Posted
Posted

What have you actually asked them for, and what action have you taken so far?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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caro

caro

Posted
Posted

Was this the preliminary request for payment giving them 14 days to reply? When did you send it?

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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caro

caro

Posted
Posted

You should have sent your LBA 3 weeks ago. Read up on the FAQ's again so you know what you need to do. In the meantime let Argos know in writing that you are disputing their figures, and that should hold them off while you get yourself sorted out.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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  • 2 weeks later...
meeru

meeru

Posted
Posted

With an Argos acount it is just the charges for late payment etc that you can ask for isn't it.

 

Is Interest on the card a different matter as all I seem to be paying off is the HUGE interest rate (my fault really as I was in a hole one xmas and was the only option available to me)

 

Can I claim for such a high rate or not? Thanks

Cahoot - 2006

*** 08/06 - Sent Data Protection Act & £10 cheque *** 15/06 - Recieved info & cheque back ***23/06 - Sent letter to reclaim charges *** 07/07 - No response (after 14 days) *** 28/07 - Sent LBA ***

08/08 - Got response telling me to 'bog off' *** 31/08 - MCOL filed *** 03/10 - 50% offered and refused!

 

 

Monument - 2006

***31/08 - Sent DPA & £10 cheque

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meeru

meeru

Posted
Posted

Whoa Chill!

 

I know I agreed to it, I was just asking thats all.

 

Thanks

Cahoot - 2006

*** 08/06 - Sent Data Protection Act & £10 cheque *** 15/06 - Recieved info & cheque back ***23/06 - Sent letter to reclaim charges *** 07/07 - No response (after 14 days) *** 28/07 - Sent LBA ***

08/08 - Got response telling me to 'bog off' *** 31/08 - MCOL filed *** 03/10 - 50% offered and refused!

 

 

Monument - 2006

***31/08 - Sent DPA & £10 cheque

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caro

caro

Posted
Posted

You could try phoning them and asking for a lower rate. It works with some of the credit cards, but not so sure about store cards. I doubt it somehow, but if you don't ask you don't get.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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dw190

dw190

Posted
Posted
Why would you be able to claim for a high rate?? You agreed to it!

 

Probably the charges were agreed at the same time but as they don't represent their cost they are deemed punative.

 

I can't wait to see if someone ever manages to get the interest rate on these store cards deemed extortionate and then the floodgates would open very wide.

PUTTING IT IN WRITING & KEEPING COPIES IS A MUST FOR SUCCESS

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caro

caro

Posted
Posted
Probably the charges were agreed at the same time but as they don't represent their cost they are deemed punative.

 

I can't wait to see if someone ever manages to get the interest rate on these store cards deemed extortionate and then the floodgates would open very wide.

I might be wrong on this but I think the OFT either are, or plan to, look at store cards interest rates.

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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blacksheep1979

blacksheep1979

Posted
Posted
Probably the charges were agreed at the same time but as they don't represent their cost they are deemed punative.

 

I can't wait to see if someone ever manages to get the interest rate on these store cards deemed extortionate and then the floodgates would open very wide.

 

Even if the interest rates are deemed extortionate these companies will probably be able to claim they have some semblance towards their costs due to customers defaulting, having to sell debts on at a loss etc etc - you won't get interest back or huge numbers of businesses will go bankrupt

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englishrose

englishrose

Posted
Posted
yeah i will do the reason i havnt sent sent the second letter is due to moving house so iam finally sorted, ill get onto it...cheers.

 

Hi will be very interesting to see what happens, i never thought of claiming back from argos. I know i have had several hundered pound charges on a small amount.

Keep us posted i will watch with great interest.

First Direct Data Protection 5/06/06

SETTLED IN FULL 23/08/06. £4412.30 charges plus 8% interest and court costs .

OH Halifax Data Protection 05/05/06

SETTLED IN FULL 23/08/06 charges plus 8% interest and court costs £738.78

MBNA SSettled in Full before court action.

Yorkshire Bank - Pre lim stage

Royal Bank of Scotlcand pre lim stage

Argos Card Services pre lim stage

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  • 12 years later...
dinghy

dinghy

Posted
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Posted

This topic was closed on 11 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

If you have found this post (or any other post) useful ensure you click on the scales in the top right of that post to give credit where credit is due.:D

 

DO YOU HAVE A WEBSITE AND WANT TO PROVIDE A VALUABLE LINK TO THIS FORUM ? Go to this thread:-http://www.consumeractiongroup.co.uk/forum/showthread.php?p=52854

 

As ever, with (I believe most if not) all advice given on this website, I am not qualified to give any advice and you are duly warned that any decisions are your own decisions made on your own account and no liability will be accepted for any advice followed ! Use your own judgment.

Seek advice of a qualified, insured, professional if you have any doubts.

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