Argos card - April 2007

Newstart3

Looking for some advise regarding an Argos card taken out in April 2007. I used this card on & off to make large home purchases between 2007 - 2014, until I fell into financial difficulties when I split up with my partner. The balance was roughly £800 but is roughly £1300 now with the missed payment charges etc before the account defaulted. It was passed to Fredrickson debt collection but has now been passed back to Argos (home retail group) I was hoping to try and settle the account F&F however they are being less than helpful.

I've had a lot of success settling my other accounts with F&F payments but they have all been with debt collection agencies. Should I wait until this debt is inevitably passed back to a debt collection agency to try for a F&F? I also read that some people have written to Argos asking to provide a CCA and have heard April 2007 mentioned a lot? Should I try to pursue this option? I don't really understand what the CCA means and what to look for?

Thanks in advance
L

sourcrates

Hi,

Google "CCA REQUESTS" for starters.

Original creditors never offer much of a discount, the best deals are to be had when the debts get sold on, not when they are passed on for management, but when there sold.

This will happen eventually, and they should write and tell you.