Can Argos refuse to send me letters?..

I have a catalogue with Argos and gave them an offer to pay £1 a month and asked them to freeze the interest. I received a phone call today saying they can accept a payment of £5 but they can't freeze the interest which is £10.50 a month, so paying a fiver will just pay half the interest. I said i'll only agree to this if they freeze the interest and it is in writing. The women on the phone said they don't have to send out a letter i just need to send the £5 a month..but i want a letter to confirm this..they said they are not legally obliged to :confused:

I said in the County Courts judges will always freeze interest anyway, but they said it won't get to court for months and in the meantime i will have hundreds of their interest added before it gets to that stage.. :mad:

What do i do? I'm waiting for a creditor to take me to court to get a CCJ against me in order for me to apply for an Administration Order..

If Argos does add all this extra interest will the Judge knock it off my arrears? :confused:

Comments

  • Malestrom
    Malestrom Posts: 983 Forumite
    Put it in writing, send it recorded delivery and state that you will only accept written correspondence from them. In the meantime, continue paying the £1pm. If it ever did go to court, then you should have something to back up your claim that they were treating your offer of repayment unfairly.
    He huihuinga taangata he pukenga whakaaro – A meeting of people; a wellspring of ideas (Maori proverb)
  • Kimberley
    Kimberley Posts: 14,871 Forumite
    I'll send it first thing tomorrow morning :beer: thanks :rolleyes:
  • feefee_3
    feefee_3 Posts: 111 Forumite
    Dont get me started with ARGOS never ever got a bill from them waited then called them, yes can you make a payment just now your being took to court friday pay bill in full on friday never using argos again
    Named after my cat, picture coming shortly
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