Argos card charge - can anyone help?

disappoint

Hello everybody. I am totally new on this forum (I am so glad I found this) - having problem with Argos card and hope you could help.

I have an Argos card and bought something last year with their buy now pay later 12 month plan. The plan ended March 17th 2013 and I should've paid £442 by the end of the plan.

I received my February statement by the beginning of March - on the first page it reads 'Your account art a glance' : minimum payment £0.

I remember the plan ends sometimes in March so i thought I will receive another statement by the end of March and can pay for it with the March statement.

I was away for two weeks until 2nd of April, came back and received my March statements, they charged me 29.9% interest for the whole year in this statement, which is about £121 and because of this extra charge I was over limit (which is £500) so they charged me extra £12.80 for overdrafting.

I am wondering if there is anything I can do. I paid them the whole balance today to clear my account but wonder if I can claim the charge back from them. I found it's very misleading they didn't put the money I owed in my 'your account at a glance' in my february statement, they put it in the second page. What is a summary for?

On top of it, I remember I called their customer service when I first had my card, they told me they always tell what the minimum payment I must reach in each statement summary so I don't have anything to worry about. And now they charged me for payment BETWEEN two statements.

I have isme card as well, as for a few other credit store cards, any other company will put your buy now pay later plan when it ends to the next statement and you have a window of a few day to pay it.

I found it kinda cheating and am very disappointed. Anyone having the same problem and know what I could do?

Many thanks in advance for your help.

Wywth

disappoint wrote: »

Hello everybody. I am totally new on this forum (I am so glad I found this) - having problem with Argos card and hope you could help.

I have an Argos card and bought something last year with their buy now pay later 12 month plan. The plan ended March 17th 2013 and I should've paid £442 by the end of the plan.

I received my February statement by the beginning of March - on the first page it reads 'Your account art a glance' : minimum payment £0.

I remember the plan ends sometimes in March so i thought I will receive another statement by the end of March and can pay for it with the March statement.

I was away for two weeks until 2nd of April, came back and received my March statements, they charged me 29.9% interest for the whole year in this statement, which is about £121 and because of this extra charge I was over limit (which is £500) so they charged me extra £12.80 for overdrafting.

I am wondering if there is anything I can do. I paid them the whole balance today to clear my account but wonder if I can claim the charge back from them. I found it's very misleading they didn't put the money I owed in my 'your account at a glance' in my february statement, they put it in the second page. What is a summary for?

On top of it, I remember I called their customer service when I first had my card, they told me they always tell what the minimum payment I must reach in each statement summary so I don't have anything to worry about. And now they charged me for payment BETWEEN two statements.

I have isme card as well, as for a few other credit store cards, any other company will put your buy now pay later plan when it ends to the next statement and you have a window of a few day to pay it.

I found it kinda cheating and am very disappointed. Anyone having the same problem and know what I could do?

Many thanks in advance for your help.

I suggest you contact the card provider asap.