Argos Credit Card

GARYCHISNALL

Hi all - I am looking for some advice on my Argos Credit Account Statement please?

I have received my statement which shows a number of purchases that I don't recognise. Basically the statement reads "Purchse at Argos Bolton" or "Purchase at Argos Preston" etc with an amount total.

I have queried the transactions and asked for proof of purchase (ie a copy of the transaction receipt etc) but Argos are telling me that "Unfortunately our statements do not list goods purchased - only the amounts".

Can anyone advise me of my rights here please as I find it totally unreasonable that Argos can demand payment from a statement without any proof of my purchase.

Many thanks for any help.

SLZ

No credit card statement will list items purchases but rather the store you visited, when and the amount of purchase.

Why do you want it itemised by item that you purchased?

bigadaj

You either bought the items or you didn't.

If you didn't then you notify that these are fraudulent transactions, in which case they should recreate you whilst they make investigations.

If their investigation shows they are legitimate they will be reinstated with appropriate fees and interest if applicable.

jonesMUFCforever

RECREATE? or recredit?

GARYCHISNALL

Sorry - maybe I didn't make myself clear on this.

I understand that the statement will only show the date, the store location and the price. However, I do suspect that a couple of the transactions may be fraudulent and I cannot find any receipts at home.

I requested copy receipts as this may have jogged my memory and reminded me of the purchase - rather than immediatley claim a fraudulent transaction. I would have thought that this was a fairly simple process for a retailer such as Argos??

My question really is are they legally obliged to provide copy receipts / proof of purchase, or is my only option to claim a fraudulent transaction, which would presumably get the same end result?

Thanks

[Deleted User]

The car is completely separate from the retailer. You need to raise a dispute and the card will then follow through with Argos.

bigadaj

jonesMUFCforever wrote: »

RECREATE? or recredit?

No, recreate, it's a risk but they may well improve the OP in their new format.

GARYCHISNALL

Thanks but the card is provided by the retailer - it's an Argos Card

[Deleted User]

No. It's branded Argos - but provided by Vanquis

pvt

GARYCHISNALL wrote: »

I would have thought that this was a fairly simple process for a retailer such as Argos??

My question really is are they legally obliged to provide copy receipts / proof of purchase, or is my only option to claim a fraudulent transaction, which would presumably get the same end result?

Thanks

You may think it is "fairly simple", but it will take time and effort. I suspect they will expect you to pay for that.

In practice I believe the only way you'll get further info from them is to claim they are fraudulent transactions. The provider will ask you to sign a form that says you did not make these purchases before they will refund the money and investigate it. If they subsequently prove you did make the transactions then, at best they will cancel your credit card. At worst they may report you to the police for fraud, and put a CIFAS marker against your name.

In short, they're not obliged to help jog your memory because you can't remember making a transaction and don't keep your receipts.

SLZ

GARYCHISNALL wrote: »

Sorry - maybe I didn't make myself clear on this.

I understand that the statement will only show the date, the store location and the price. However, I do suspect that a couple of the transactions may be fraudulent and I cannot find any receipts at home.

I requested copy receipts as this may have jogged my memory and reminded me of the purchase - rather than immediatley claim a fraudulent transaction. I would have thought that this was a fairly simple process for a retailer such as Argos??

My question really is are they legally obliged to provide copy receipts / proof of purchase, or is my only option to claim a fraudulent transaction, which would presumably get the same end result?

Thanks

I see now, no they're not obliged to do anything as Vanquis are the issuing banking not Argos. If you suspect fraud then you need to report it as such and follow up with Argos for receipt from the store that it says you purchased from (they can go back up to 6 months).