Claiming Charges from Argos Card

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DASHBOY wrote: »

Hi

My brother has a store card with Argos and has been charged over £400 in late payment fees over the last 4 years. Also my mother and father have a mortgage with the Halifax and get charged £40 everytime they are a few days late with a payment. Can the process which is used with the banks be used with for these too. I must point out that my brother still has a balance of £1000 and my mother and father still have balance on their mortgage, although they only have a year left on it is this something which would be better done when there are no outstanding balances?

Please advise

Dashboy

Your brother can claim from Argos, this the thread for store cards and credit cards which may help:

credit cards and store cards - (corrected link)
http://forums.moneysavingexpert.com/showthread.html?t=426428

Your parents can also claim the late payment fees on their mortgage. Good luck to the family

feelinglow_3

Has anyone claimed from their Argos Card. Have sent off and been issued with computer print out of my account. Finding it difficult to establish on the print outs what is interest and what are charges. Can anyone help please.

Twinkly

feelinglow wrote: »

Has anyone claimed from their Argos Card. Have sent off and been issued with computer print out of my account. Finding it difficult to establish on the print outs what is interest and what are charges. Can anyone help please.

This thread on credit cards and store cards may help:
http://forums.moneysavingexpert.com/showthread.html?t=426428

feelinglow_3

Hi I've had the same thing back from Argos and finding it confusing as to what is interest and what are charges. Have you managed to find out, if so could you tell me what the abbreviations mean on the computer print outs, would be very grateful.
Thanks

Sortingitout wrote: »

Hi all.

Received my statement history from Argos today, but am a bit confused by it. On the left, it tells me what the money in the column refers to..

Purchase
Payments
Fin Chgs
Other DB
Other CR
Returns

What do the two above in bold refer to charges wise?

Fin Chg = interest?
Other DB = i can claim all of

Thanks

fkelanne

Hiya all, here goes,
sent SAR letter with £10 cheque on the 18th and got all of them on the 20th, without the cheque been cashed.
sent first letter wanting £200 back on the 24th of april
i would like to no if anyone else has claimed and won if so was it quick or did they mess you about?

fkelanne

fin crg are the intrest
other cr are the charges you claim back
well that s what i have used anyway

76Bramble

Hi everyone, Im just starting with Argos card, sent SAR 17th Apr and received computer print outs on 21st Apr. I found them very confusing. Anyway the charges are listed in the other DB section. Argos have changed late fees from £10 to £12 to £14 then £17.50! not sure what they are at current date. I will be doing prelim letter this week. Will keep you posted. 76Bramble

fkelanne

all, i sent the letter to get my charges back 2 weeks ago from argos for £145. Today i got a letter from them saying
"As stated in your letter, the OFT issued a statement following its review of eight credid card provider. The OFTs statement sets out its view of the principle credit card issuers not store cards issuers should follow in stting default charges. As a store card provider we have not been involved in the discussions between the credit card companies and the OFT.

In managing your account, you have failed to make payments, or the correct payment as they fell due on a number of occasions resulting to £145 in charges. As part of having an argos card, you are responsible for making the required payments on time and we have the right to recover from you the cost incurred by us dealing with you default if youfail to make a payment whenit falls due. Had we charged the £12 fee referred to in the OFTs report on credit cards the difference in your fees would be £41 in total.

We value our reationship with our customers and always endeavour to resolve queries and complaints as positively as possible. Having reviewed yuor account, for the reasons stated abvove, we are unable to offer you a refund of fees however as a goodwill gesture we are prepared to offer you £70 to be credited to you account(i owe £100) our offer is made without admission of liability and full settlement of all claims you may have against us in relation to the default fees on your account.

What should i do? i need it paying off as soon as pos as im on buying a house and dont what any debts when i move.

fkelanne

can any 1 help?

mummybank

Hi there everyone just wondered if anyone out there has tried with any luck trying to reclaim charges of the argos store card? Any info would be much appriciated

Mummybank: