Can’t pay my Ocean Credit Card
If you can’t pay your Argos Credit Card bill on time, you need to take action quickly. Do not ignore the situation and hope it will go away. Debt has a nasty habit of spiraling out of control.
If your Argos Credit Card is one of several loan repayments you are struggling to make, you should consider setting up a Debt Management Plan with a reputable Debt Help Organisation We recommend this organisation because they are leaders in the debt help industry and get excellent reviews.
I can’t pay my Argos Credit Card bill, what should I do?
It is not uncommon for people to be in your situation. Debt can creep up on us very unexpectedly. The Argos Credit Card is aimed at people who have a bad credit scores. So it is even more common for people to end up having difficulties with their Argos Credit Card.
The action you take depends on how serious your situation is. If you are able to pay all of your bills except your Argos Credit Card then your situation is probably not so serious. You should be able to get back on your feet with some good planning. We suggest you contact Argos Credit Card customer service and discuss your problem. Explain your situation and why you are unable to make your credit card payment. Hopefully they will be understanding and allow you some breathing space to get the money together to make your payment.
If your Argos Credit card is just one of several bills you are unable to pay then read on…
I have several overdue accounts with multiple lenders, what should I do?
If your Argos Credit card is just one of several bills you are unable to pay then you should probably get professional debt help from an experienced debt help organisation like this one.
A good Debt Help Organisation (like the one we recommend) should be able to:
- Become the main point of contact regarding your debt so your creditors stop contacting you
- Negotiate a significantly reduced monthly repayment
- Negotiate that your interest rate be lowered or even frozen so no further interest is charged
- Negotiate a discount on the total amount you owe. In some cases people have had up to 83% of their debt written off.
- Manage the payment of your debts. So you would make one monthly payment to the debt help company and they would then divide your payment between your creditors.
- Provide you with general tips on getting out of debt
In summary, if you have a temporary cash flow issue resulting in you being unable to pay one of your creditors, you can probably tackle the problem yourself. However, if you are behind with payments to several lenders then it would be wise to get assistance from and experienced debt help organisation.
Do you need to make a complaint about your Argos Credit Card?
This is what Argos Credit Card say on their website about making a complaint.
Argos will aim to resolve your complaint within 48 hours, where they are unable to do so they will keep you informed of the progress of your complaint until they have resolved it.
If you have a complaint
If you wish to make a complaint you can do so by making contact through any of the channels listed here:
Telephone: 03456 400 700
Write to Argos at: Home Retail Group Card Services Limited, Thynne Street, Bolton, BL11 1AS
If Argos are unable to resolve your complaint, internally, to your satisfaction, you may be able to refer it to the Financial Ombudsman Service by:
Writing to them at Exchange Tower, London, E14 9SR
Calling 0300 123 9123
If you require any further information you can visit their website http://www.financial-ombudsman.org.uk
Alternatively you can register a complaint through the European Union’s Online Dispute Resolution portal here: http://ec.europa.eu/consumers/odr/. There is certain criteria that must be satisfied for your complaint to be resolved through the Online Dispute Resolution portal.
They say that “If you are complaining about any Argos Credit or insurance products then we will not consent to the Financial Ombudsman Service (Alternative Dispute Resolution entity for Financial Services complaints) dealing with the complaint if we have not first had an opportunity to resolve it for you.”
For more information about Online Dispute Resolution please visit: http://ec.europa.eu/consumers/solving_consumer_disputes/non-judicial_redress/adr-odr/index_en.htm.
Argos Credit Card contact details
You can contact Argos Credit Cards in several ways:
Over the Phone
To make a complaint over the phone, please call Argos Credit Card customer service on 03456 400 700
Alternatively, you can put your complaint in writing to Argos Credit Card customer service and send it to:
Home Retail Group Card Services Limited,
The Financial Ombudsman Service
The Financial Ombudsman Service is an external body which plays a key role in the complaints process. The Financial Ombudsman is an impartial and independent organisation formed to help settle individual disputes between consumers and financial services businesses without taking sides.
Taking a complaint to the Financial Ombudsman Service
If Argos Credit Card has not been able to resolve your complaint to your satisfaction once they have given you their decision, you are able to refer your complaint to the Financial Ombudsman. They will only investigate your complaint if you have already tried to resolve it with Argos Credit Card first or if it has been more than eight weeks since you first raised your complaint with Argos Credit Card.
If you are going to the Financial Ombudsman Service because you are unhappy with the outcome of your complaint, you will need to do this within six months of receiving their final response letter.
You also need to contact the Financial Ombudsman Service within six years from the event you are complaining about (or – if later – three years from when you knew, or could reasonably have known, you had cause to complain).
Contacting the Financial Ombudsman Service
You can contact the Financial Ombudsman Service:
Financial Ombudsman Service
by email: firstname.lastname@example.org
by telephone : 0800 0 234 567
You can contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission.
The ODR platform will forward your complaint to the Financial Ombudsman Service.
For more information about ODR please visit the European Commission website.
Before you are entitled to go to the Financial Ombudsman Service, you may find it helpful to make use of the FLA’s conciliation scheme to resolve your complaint.
You can write to: the FLA’s Conciliation and Independent Arbitration Scheme, addressed to:
The Compliance Manager
Finance & Leasing Association
London WC2B 6UN
Fax: 020 7420 9600
Argos Credit Card – The legal stuff
Store card credit for Argos Ltd is provided exclusively by Home Retail Group Card Services Ltd, part of the same group and both at 489-499 Avebury Boulevard, Milton Keynes, MK9 2NW.