Why are you increasing the interest rate on my account? Payments made outside of these times will be applied to your account within 3 days. Innovation; Innovation; Argos Innovation Center; Projects; National help line and fax; USA: 1(888)567 66 29 Colombia: 01 8000 522021 Cement Ports. It's also a choice you need to make, to increase your payments and resolve this situation or not. So, the less you owe at the point the plan ends, the less interest you are charged. What happens if I lock my account? Confirmation statement. No - we only accept debit cards. Date of experience: 10 January 2023. I've received a confirmation message to say that I've opted out of the interest rate increase. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. Can't you just increase my minimum payment? .tg TD { bank statement; or you could always give your order number if you have it handy; Ooh, and don't forget we offer e-receipts too. How will I know when my Argos Card account is, My Buy Now Pay Later Plan ends soon, and I don't know how I'm going to afford to pay off the balance. Just give us a call on 03456 400 700 and well investigate the transaction for you. Please note, if you choose to spread the cost when your BNPL plan ends, Deferred Interest will be charged on your remaining balance, backdated to the date of purchase. kwikbreaks Forumite. The chain sells more than 60,000 products, including top brands like Bose, Beats, Dyson, LEGO, Nespresso and Samsung, and exclusive lines like Chad . How will I know if my Argos Card account is in Persistent Debt? Debt can become a problem for all sorts of reasons for example, as the result of relationship breakdown, unemployment, bereavement and illness. Visit their website at. If you only make the minimum payment each month, just before your payment date it'll take you 14 years and 8 months to pay off your balance. If you are experiencing financial difficulties or can no longer afford to make your increased monthly payment, please contact us on 0345 601 0798 so that we can help you. You should receive your statement within 10 days of your statement being printed. We're working hard to resolve these issues as quickly as possible. Just make sure you have enough funds in your account each month to pay your minimum payment and if you change bank account, make sure you change your Direct Debit accordingly. Bank Statement: A bank statement is a record, typically sent to the account holder every month, summarizing all the transactions in an account throughout the time from the previous statement to . "I would like my payment automatically allocated" - choose how much you want to pay in total and we will allocate that total against the plan or plans that are due to incur the most interest. Can I reset my security details if my email address is incorrect? You can use your Argos Card in any Argos store, online at argos.co.uk, over the phone and on the Argos app. You can contact us on 0345 601 0798 about your options at any time. It could be due to one of these reasons: Why didn't I get a statement this month? 13 Aug 1999. Touch device users, explore by touch or with swipe gestures. We will never ask you for your login details for myargoscard.co.uk. Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. Unfortunately, this means you won't be able to spend on your card or take out any new Buy Now, Pay Later plans. Why does the letter say I am? If you're on a mobile device, make sure your signal is ok and that you have the data available to download a PDF (they're about 400KB each). Have I done anything wrong if I receive a letter about Persistent Debt? I made a payment to a plan but the payment has gone towards a different plan. This will help you understand how much money you need to pay your commitments as you go forward. Why is that? How do I update my contact details? We use cookies to make our services work and collect analytics information. What happens if I spend more? Your additional Card holder cannot register their Card on either myargoscard.co.uk OR on the My Argos Card App. If it's been longer than that, double check that the money's come out of your bank account and then give us a call. Just log in and press Direct Debit in the left-hand navigation, then press Cancel Direct Debit. Investors. Make sure you're entering your most up-to-date Argos Card - if you have received a new Argos Card recently, you'll need to enter the details for that Card. Enter your debit card number so that we can check that it's one we accept, then - if you have more than one plan on your account - choose one of the options: NOTE: Always make sure that you pay your minimum payment against Normal Credit before making payments against any other plans or you may incur late fees and more interest. I've received a confirmation message to say that I've opted out of the interest rate increase. How do I update my account? Yell.com Yell Business. Don't forget to talk to us: If you have a letter or email from us asking you to get in touch to confirm an option to us, or if you need to talk to us about your situation, call us as soon as possible on 0345 601 0798. Can't you just increase my minimum payment? How do I see my statements? If you're still concerned about being able to repay your Normal Credit balance, give us a call on 03456 400 700 and we can discuss the options available to you. The same encryption also occurs when we display screens back to you. Why does the letter say I am? How Deferred Interest is included as part of your Minimum Payment? You may also fall into 'persistent debt' (see Persistent Debt below) meaning we need to take steps to encourage you to pay more. Last statement dated 15 June 2022. How do I know my online order has actually gone through? If you want to change your Direct Debit amount or change the date on which you want your Direct Debit to be collected you'll need to give us a call on 03456 400 700. 6 December 2014 at 11:36AM. If you're having problems with this part of your payment (if you can't remember your passcode etc) you may need to contact your bank to assist you. What should I do? How can I see if I have a Direct Debit set up? Mobile Safari 5 or Opera 20, then you might find you have problems using this site. Paying by HIGH STREET BANK, BUILDING SOCIETY or POST OFFICE Please allow 5 working days for payments to reach your account. It is for 20. Cement Plants. These services are offered by Visa and MasterCard, in association with the bank that has issued your credit / debit card. We like to remind customers of this to help them avoid their account entering Persistent Debt, which happens when they've paid more in interest, fees and charges than they have towards their original purchase. Of course! Can I add something to an existing order? My Buy Now Pay Later Plan ends soon, and I don't know how I'm going to afford to pay off the balance You don't have to pay the balance off in full when your plan ends. We monitor the activity on everyone's account each month so we know when someone's account meets the FCA's definition of Persistent Debt. How might the proposed Royal Mail strike affect my Argos Card? What do I do if I'm struggling to pay my bills? Are you worried someone else is controlling your finances? We take your financial circumstances into consideration as well as some other information about your account. We're here to help if you've recently lost someone close to you. If you're unsure whether or not the Direct Debit is set up, give us a call. This is so that we can help you to start repaying your balance more quickly and pay less interest. dedicated help page for more information. UK High Court, [2017] EWHC 231 (Ch), 15 February 2017. Go here and give us some details about you and your Argos Card (your Card number and expiry date), set up your login details and then you're all done! When will my latest statement appear online? Why can't I make one-off payments to Fixed Payment or Interest Free plans? Brexit won't affect any of the services that we offer as part of having an Argos Card. ARGOS LIMITED is an active private limited company, incorporated on 13 November 1972. Payments can sometimes take up to 5 working days to show on your account depending how you make the payment (see here for more info). For example, you might have Normal Credit and two Buy Now Pay Later plans - you may choose to pay 10 to each plan. Get reviews and contact details for each business including phone number, postcode, opening hours and photos. Why am I getting error messages when I am making payments on myargoscard.co.uk? I've forgotten my details. Please call us on 0345 640 0700 if you need any further help. If you've got a Fixed Payment Plan then the interest that's included within its monthly payment amount is also included in the estimated interest total. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. How do I close my account? Why is my payment not showing on my account? If you want to change your payment due date, give us a call and ask. We call this the "Deferred Interest Portion". All Rights Reserved. Use a valid debit card (e.g. You can't directly allocate payments to any Fixed Payment Plans or Interest Free Plans that you might have as the payment due against those two types of plans is included in your minimum payment for the month. If we ask you to call us, please do call as soon as you can - 03456 400 700 . The Financial Conduct Authority (FCA) have rules aimed at helping people who find themselves in this situation. Why is that? Check the back of your latest statement for all the ways that you can make a payment. "I would like to make a payment against specific plan(s) myself" - You can choose how much you want to pay against any plans that you have. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. What is APR? But if you do have a balance and haven't received a statement then it's possible that it's been delayed in the post. To be able to carry on using your Argos Card you must call 0345 601 0798 to let us know what option you have chosen. No - you can only register one Argos Card account on myargoscard.co.uk. Why? Your APR is displayed on your latest statement. In the App you can view each of your plans in the My Credit Plans section, this will show you the purchase date, the purchase value and the outstanding balance. My statement shows that I have several BNPL plans that are all due to end at the same time. Argos.ie has thousands of fantastic products for you to choose from. If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. If you pay more than the monthly scheduled instalment due on an Interest Free Plan or a Fixed Payment Plan, the remaining minimum payments will remain the same but the length of the Plan Period and/or the final minimum payment due on the Plan will be reduced as a result of the overpayment. You will be charged interest on this amount which will be backdated to the date of purchase. If you already have Adobe Reader or equivalent, make sure your PDF software is up-to-date. How quickly is it set up? Your statement will appear online on the same day each month - e.g. How do I get past it? How do I register? If you have set up a repayment arrangement to clear the arrears on your account, then you don't need to increase your payments at the moment. Give us a call on 03456 400 700 to ask.. Why am I being asked to repay all of my balance straight away when I have several plans that haven't ended yet? if your statement date is the 17th of the month then it will appear on the 17th of every month. Does the Card cost anything? There's a range of options we can look at to suit you. Find out more about Deferred Interest here. What do I do? Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. How secure is this website? Give us a call on 03456 400 700 to ask. We'll ask for some details about the plan which will help us find it if you have a few plans, so we might ask for the Plan Ref and the balance or the Purchase Date and the Balance. Here are a few reasons why you might not be able to update your limit: How do I increase my credit limit? If you wish to make any additional specific payments you can ask us to direct these in a specific way to meet your needs. Your payment history will show on your credit file and can affect your credit score. In order to move out of Persistent Debt, you should pay what you can afford to, as often as you can. Although we want to make your account management as simple and easy as possible, we take security very seriously and want to be confident that there is no unauthorised access to your account. We are committed to resolving your complaint to your satisfaction and hope that together we can reach an agreement. how do I go from here? You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. What happens if I am unable to increase my payments? How you pay is entirely up to you and all of the ways to pay are listed on the back of your statement, which include: If we sent you a letter asking you to choose an option and you chose to make increased monthly payments, remember to make sure that you're paying your increased monthly payment amount. Scam App do not use! We will tell you on your monthly statement when your direct debit is set up. Checkbox screen reader text Remember my Login ID Last name Surname * If you require additional support managing your account you can request a letter of authority which we will send through the post for you to complete and return. What should I do? I don't think I'm in Persistent Debt. You can only change your payment/statement date a limited number of times. If you pay off your Plan before the end date, no interest will be charged if you keep your account up to date. Why am I asked to call you when I try to log in? How will increasing the interest rate impact the way my account works? Can I make a payment using my own online banking? We will help you understand where your money is going, how to cut spending and increase your savings $$$ Browse our Templates United States. If you want to check your statement urgently, you can do it on myargoscard.co.uk where we have your current and most recent statements. How Deferred Interest is included as part of your Minimum Payment? Do you have any information regarding this credit card charge? The company's registered office is on Avebury Boulevard, Milton Keynes. What's a Login ID? Money Worries If you're worried about keeping up repayments to your Argos Card, or have an unexpected strain on your finances, give us a call. the duration of your original Plan). I've sent a text to opt out of the interest rate increase and received an error message. Brightstar which are seeing footfall and argos ltd re save on bank statement. We'll write to you at the end of that period with details of any further action you may need to take. Call charges may vary please check with your provider. The app crashes when you try to make orders. Home Retail Group Card Services Limited is registered in England (04007072) at 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. What's Verified by Visa and MasterCard SecureCode? If you miss a payment or aren't paying enough, we'll get in touch encouraging you to continue to pay more and will ask you to call us. We will also try to make sure that we fix the root cause of problems so that we dont make similar mistakes again. If it's not repaid, interest will be charged at the Normal Credit Rate from the date of purchase until you repay the balance in full. Argos Ltd. Argos Limited retails online products. if you have a 500 credit limit but want to increase it by 200, then enter 700 as your new limit), then tell us why you want the new limit and whether you want to be considered for automatic credit limit increases in the future then press 'Change credit limit'. How can I get help with paying my Normal Credit balance? 30), Divide this by the number of months that your Plan ran for (e.g. In exceptional circumstances, particularly where your complaint is complex, it may take over eight weeks to resolve matters for you. FONT-SIZE: 14px; OVERFLOW: hidden; BORDER-TOP: black 1px solid; FONT-FAMILY: Arial, sans-serif; BORDER-RIGHT: black 1px solid; BORDER-BOTTOM: black 1px solid; WORD-BREAK: normal; FONT-WEIGHT: normal; PADDING-BOTTOM: 10px; PADDING-TOP: 10px; PADDING-LEFT: 5px; BORDER-LEFT: black 1px solid; PADDING-RIGHT: 5px If you see a strange transaction on your statement, don't panic but do let us know about it as soon as possible, so we can check it's not fraudulent. or you could always give your order number if you have it handy. If you choose to spread the cost over a longer period, then you will be charged Deferred Interest on any balance remaining at the end of your plan, which you pay as part of your minimum monthly payment. I've forgotten my login details. Use up and down arrows to review and enter to select. Get reviews and contact details for each business including phone number, postcode, opening hours and photos. If your query isn't too urgent you can also log into myargoscard.co.uk to send us a secure message. Last statement dated 1 February 2022. This is so that you can either confirm that you're still able to make increased monthly payments, or so that you can let us know if your circumstances have changed. You can change your cookie settings at any time. Call us on 03456 400 700 to see how we can help. confusion by commenting! Why won't my statement open? You will continue to receive other correspondence and letters via email as usual. Please take a look at our dedicated help page for more information. If you don't have sufficient funds in your account, then your Direct Debit might fail. Our website contains the biggest collection of editable bank statement templates available online! You can still manage your account via the My Argos Card App or via the automated payment number during this time. 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