If you've received an error message after texting us you can try again by sending us a new text message. You need to continue to make payments manually, until you see confirmation on your statement. You will be charged interest on any balance remaining at the end of the plan, calculated at your normal plan rate starting from the date of purchase. If you wish to make any additional specific payments you can ask us to direct these in a specific way to meet your needs. So next time you buy something in-store, just ask for one and you'll never lose your receipt again. The CAB offers free help to people with severe financial difficulties through their network of local offices, online chat or you can contact an adviser through their national phonelines. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. due by 15 February 2023, 47190 - Other retail sale in non-specialised stores, 47540 - Retail sale of electrical household appliances in specialised stores, 47599 - Retail of furniture, lighting, and similar (not musical instruments or scores) in specialised store, Companies House does not verify the accuracy of the information filed, 13 Nov 1972 - If I've registered for the My Argos Card App, am I registered for myargoscard.co.uk? If you're still in Persistent Debt after this time, we'll write to you again to tell you what further action we may have to take, including suspending your Argos Card from further spending. (Please ensure that you provide all of your details relevant to your Argos Card account). Please also bear in mind that if your account remains in Persistent Debt, we may need to take other actions, such as suspending on your account from further spending, to help protect you from getting into further debt. If we ask you to call us, please do call as soon as you can - 03456 400 700 . Can't you just increase my minimum payment? If you make only the Minimum Payment each month it'll take you longer and cost you more to clear your balance so feel free to repay as much as you want to in addition to your Minimum Payment Direct Debit. Can I add something to an existing order? Unfortunately, this means you won't be able to spend on your card or take out any new Buy Now, Pay Later plans. In exceptional circumstances, particularly where your complaint is complex, it may take over eight weeks to resolve matters for you. What should I do? Does the Card cost anything? Please continue to make payments by an alternative method until your direct debit is set up. When will my latest statement appear online? If you've received a letter or email from us about this issue, then we believe this affects you. Can I register again? That shouldn't be a problem - you should give us a call, though, and we can run you through the options. Call us on 03456 400 700 to see how we can help. Your Login ID is the unique username you chose when you registered for myargoscard.co.uk (it's a bit like a username). Visit their website at. Once you've had a look and resolved the issue we'll turn paper statements off again. Some of the options may mean that we need to suspend your card to help you to start clearing your balance. You can contact our Customer Payment Solutions department by letter or telephone. If you have been in Persistent Debt for 18 months and we will send you a letter or email asking you to choose from some options. Please keep to the arrangement you have made. 13 Aug 1999. Privacy hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions. If you have any Buy Now, Pay Later plans that start and end before the rate change, the Deferred Interest will be charged at your current interest rate. Nature of business (SIC) confusion by commenting! If you don't have sufficient funds in your account, then your Direct Debit might fail. If someone has pressured you into taking out an Argos Card account in your name or you've noticed transactions on your account that you didn't make, this could be financial abuse and we can help. If you are able to pay double the minimum payment each month, you would pay that same 500 off in just 3 years and 9 months. And your priority payments - Rent/mortgage, Council Tax, and household bills, will always come first. If you use both the App and this website you'll need to set up both separately). How Deferred Interest is included as part of your Minimum Payment?'). If you have the My Argos Card App or an online account, please use these services to view your statement or to make a payment. How can I see if I have a Direct Debit set up? Your minimum payment is your "minimum monthly contractual payment", which is simply the amount that you must pay us each month as per the terms of your agreement with us. PS. You should also cancel this with your bank. I don't think I'm in Persistent Debt. This is for your security - the addition Card holder is using your credit, so if we allowed them to manage your account then they could request new credit limits (and affect your credit rating), miss payments, change your address, turn off your statements etc, which is why we urge only the main Card holder to look after the account. Just a couple of notes if you're thinking about changing your Direct Debit details: What day is my Direct Debit taken? We're working hard to resolve these issues as quickly as possible. Just log in and press Direct Debit in the left-hand navigation, then press Cancel Direct Debit. Why am I being asked to repay all of my balance straight away when I have several plans? How do I make a payment? How long will it take for my card to be blocked from spending? 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 . credit card, personal loan or mortgage number. If you decide not to pay off the plan by the end date, we'll move the remaining amount to your Normal Credit balance. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. Bank Of Ireland) aren't working at the moment. your email address). You will continue to receive other correspondence and letters via email as usual. Reported as fraud to CC. Can I register again? The app crashes when you try to make orders. Could be one of a number of reasons: Can I register an expired Argos Card so that I can manage my account? argos ltd internet on bank statement. What do I do if I've lost my Argos Card or had it stolen? I've forgotten my login details. Call charges may vary please check with your provider. .tg .tg-0lax { It is on a card that I don't really use and I can't remember if I bought anything for 20 that day. VERTICAL-ALIGN: middle; TEXT-ALIGN: left Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? So Visa Debit, MasterCard Debit and Maestro are accepted methods of payment but AmEx and MasterCard or Visa Credit are not. Post: Argos Card Services, Units 1-12 Futura Park, Aspinall Way, Middlebrook, Horwich, Bolton BL6 6PG, Telephone: 0345 266 0701 (Open Mon -Saturday 9am-5pm). What's my Memorable Word and my Security Number? If you can't find the answer to a question you have here online and feel like you need to speak to someone then please call 03456 400 700. What is Persistent Debt? What's my 'minimum payment'? You're not tied in to paying a higher amount all the time. Can I use a credit card to make a payment? How do I make a payment? Last updated on July 31, 2021. I've sent a text to opt out of the interest rate increase and received an error message. Dont worry you don't need another receipt. Received three charges from them totaling over $800. What do I do if I'm struggling to pay my bills? . ARGOS LIMITED - Free company information from Companies House including registered office address, filing history, accounts, annual return, officers, charges, business activity. The Financial Conduct Authority have rules which mean that we need to help you to take action to move your account out of Persistent Debt. On the homepage you'll need to enter your Login ID and your Surname, press Next and then enter your Memorable Word and a five-digit Security Number. Visit their website. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. If you can't remember it press FORGOTTEN YOUR LOGIN ID below. The more you've spent, the higher your balance will be, and the more you will need to increase your repayments to clear your balance within a reasonable period. Were sorry to hear youre having issues with your Argos Card. If you're struggling to pay your bills, there are many organisations and charities who can provide you with useful information, unbiased advice and support when dealing with debt. Touch device users, explore by touch or with swipe gestures. Can I reset my security details if my email address is incorrect? How do I get past it? If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. What browsers will myargoscard.co.uk work on? How might the proposed Royal Mail strike affect my Argos Card? When you took out your Fixed Payment or Interest Free Plan you agreed to making a payment for a specific amount each month for the length of the plan. A bank statement is a list of all transactions for a bank account over a set period, usually monthly / year. If you've forgotten your Login ID but you know your Memorable Word, go HERE. Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. You may also fall into 'persistent debt' (see Persistent Debt below) meaning we need to take steps to encourage you to pay more. If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? . I thought I was paperless so why have I received a paper statement? You will see the length of the Plan available on your product when you checkout. I've sent a text to opt out of the interest rate increase and received an error message. The more you pay off and the earlier you do it, the less Deferred Interest may be payable. What's a Login ID? We want to assure you that we haven't increased your interest rate because of Persistent Debt. Here are a few reasons why you might not be able to update your limit: How do I increase my credit limit? If you don't pay in full in this time, you'll be charged interest. Your payment history will show on your credit file and can affect your credit score. What happens next once I've confirmed my choice? Although there's no charge for having an Argos Card account we may charge: The above charges are referred to in your Argos Card Terms & Conditions as 'Default Charges'. ~ Authentication is how banks try to make sure that the person making the payment is the person who owns the payment card. This means you may pay interest on interest. How do I get past it? If you're using browsers older than Chrome 28, Firefox 27, Microsoft Edge 12, Safari 7. Next statement date 1 February 2023 due by 15 February 2023. You must pay your minimum payment each month. Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. If you're entering your Argos Card number, you don't need to type the first four digits (6335), just the 15 digits after that. if your statement date is the 17th of the month then it will appear on the 17th of every month. I'm worried about being able to afford my repayments. Check the back of your latest statement for all the ways that you can make a payment. You can only change your payment/statement date a limited number of times. Once your arrangement has ended, please call us on 0345 601 0798 so we can then discuss your Persistent Debt repayment options with you. * These organisations all have different opening hours which may vary, so check their websites for details. Looks from the OP like a case of been there, done that, and even got the T shirt to prove it. No, we can't change your minimum payment without changing your agreement with us. How will I know when my Argos Card account is not in Persistent Debt? Why is that? By Phone: If youd prefer to speak to someone you can contact us on 03456 400 700. Can I pay online using my Argos Business Account card. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. I've been in contact with you and chosen an option, but my circumstances have changed. You can use your Argos Card in any Argos store, online at argos.co.uk, over the phone and on the Argos app. Details on how to contact the Financial Ombudsman Service: By post:Financial Ombudsman ServiceExchange TowerHarbour Exchange SquareLondonE14 9SR, Telephone: 0800 0234 567 or 0300 123 9 123. Argos is my go to for all household goods. We will never ask you for your login details for myargoscard.co.uk. Home Retail Group Card Services Limited is registered in England (04007072) at 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW. If you can afford to pay off all the plans then you may want to consider clearing the balances. 6 December 2023, Last accounts made up to How do I log in? We should be able to sort everything out if you have: 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. How will increasing the interest rate impact the way my account works? If you want to make a payment to a specific Buy Now, Pay Later plan then you'll need to use myargoscard.co.uk or the My Argos Card App. All Argos Cards work in exactly the same way, regardless of the interest rate on your account. The Company offers a wide range of products including home appliances, televisions, audio equipment, bedding, jewelry, sporting goods, toys, and . What do I do if I'm struggling to pay my bills? Once we have received your completed form we will add the details to your account which will allow the person you have nominated to access, change and manage your account in full. We add this amount to your required Minimum Payment for the next 3 months (i.e. What should I do? Argos recommends all customers who suspect a fraudster might be impersonating the retailer contact scams@argos.co.uk For suspicious Argos emails or content, shoppers should also call 03456 400 700. Get reviews and contact details for each business including phone number, postcode, opening hours and photos. Why are you increasing the interest rate on my account? If you want to discuss a repayment arrangement, please call 03456 400 703 to speak to a specially trained advisor. .tg .tg-f6w8 { potential This will help you understand how much money you need to pay your commitments as you go forward. Give us a call on 03456 400 700 to ask. We use cookies to make our services work and collect analytics information. Where (i) to (v) are at the same rate of interest, balances will be paid off in the following order: (i) Interest; and then (ii) Charges and/or fees; and then (iii) Outstanding balance of Normal Credit including any missed scheduled Fixed Payment Plan(s) and Interest Free Plan(s) monthly scheduled instalments; and then (iv) Any outstanding balances on the other Payment Plans in the order of Buy Now Pay Later Plan(s), Fixed Payment Plan(s) and any Interest Free Plan(s); and then (v) Any other amounts that have been added to your account since the previous statement date. How quickly is it set up? What do I do? Can I turn off my paper statements and letters? dedicated help page for more information. We know your debts aren't going to disappear on their own, but we really can help. 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. Write to us: You can write to us at Home Retail Group Card Services Ltd, PO Box 211, Park Mill, Huddersfield, HD8 1FA. Annual Report 2022. When you've cleared your balance, we will then close your account. . The new processes have been agreed and implemented by all banks to help protect their customers from online fraud. How will Brexit affect the services I receive for my Argos Card? The credit card charge ARGOS RETAIL GROUP INTERNET GB was first recorded on April 05, 2015. You don't have to repay your Normal Credit balance all at once to keep your Argos Card account in good shape, you can choose to spread the cost instead. There could be a few reasons why your payment's not working, so let's check a few things first. If you think this is happening to you or someone you care about, here's how to get help. No - you can only register one Argos Card account on myargoscard.co.uk. Argos Limited 2022. Under the new rules, you have 18 months from receiving the first letter to move your account out of Persistent Debt. Ready Mix Labs. Check that you have no security software running that might be blocking the PDF from downloading. I turned off paper statements but I've started receiving them again. No, never. I made a payment to a plan but the payment has gone towards a different plan. Can I pay off my Argos Card balance faster? To accept or reject analytics cookies, turn on JavaScript in your browser settings and reload this page. Double check the message you've sent to make sure it matches the instructions we've given you, as the system we use can't register your request properly if there's things like spelling mistakes or if you've typed the wrong number. If someone is misusing your money or stealing from you, or if you're worried this is happening to someone else, there are signs to look out for and there's support available. 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; PADDING-BOTTOM: 10px; PADDING-TOP: 10px; PADDING-LEFT: 5px; BORDER-LEFT: black 1px solid; PADDING-RIGHT: 5px . Why am I being told that my details can't be found when I am trying to register? We call this Deferred Interest and this will also be added to your Normal Credit with the remaining Plan balance (see 'How Deferred Interest is included as part of your Minimum Payment?'). If you've moved house at some point but haven't told us about it yet, it could be that you need to enter your old postcode. Helping businesses get the right products or gift cards is at the heart of what we do. Just give us a call on 03456 400 700 and we'll investigate the transaction for you. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. You can't register the Argos Credit Card (the black Visa credit card) on this website, only the Argos Card. The UK High Court has rejected a trade mark infringement claim brought by the well-known UK catalogue retailer Argos ('Argos UK'), against a US based company which legitimately and coincidentally shared the Argos name ('Argos US') but which used Google . If you're on an Android device, make sure you have a suitable app for opening PDFs. What's 'Verified by Visa' and 'MasterCard Securecode'? Last statement dated 1 February 2022. As long as your account is open, you haven't spent all of your credit limit and your account is not suspended, you can carry on using it. 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. If you're finding it difficult to make your required monthly payments, please contact us on 0345 601 0798. Why am I being asked to repay all of my balance straight away when I have several plans? You can set a 'hint' when you register to jog your memory if you forget it. Why does the letter say I am? You might notice that some Plan Refs are the same as others - that's because they're not unique and they just tell us what type of plan it is. A registered charity that offers free and impartial advice, their service is totally confidential and supports anyone who needs advice and guidance to help them take control of their finances. Can I change my Direct Debit details? 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. Your statement will appear online on the same day each month - e.g. We will then use any additional amount you have paid to first pay off balances to which the highest rate of interest applies on (i) to (v) below, followed by the balances at the next highest interest rate and so on. First seen April 05, 2015. Will I need my login details to make purchases or manage my account over the phone? What happens if I am unable to increase my payments? Verified By Visa / MasterCard SecureCode are both operated by debit card issuers. The four digit Plan Ref simply helps us locate a plan on your account if you call us. Our Management / Governance. if you had a minimum payment due of 25, you would need to make a payment to Normal Credit of 25. If you set up a direct debit up in the past but have not made any payments within 12 months we may need to set this up again. Only the main Card holder can register on myargoscard.co.uk - so if you've been given your Card by someone else then you won't be able to register on this website or the App. reasonable costs for enforcing the agreement, including any loss, costs or expenses that may be incurred in collecting money owed under this agreement; It's the amount of interest that you could be charged if you don't pay off the full Buy Now, Pay Later plan balance before the plan ends. Can I register an expired Argos Card so that I can manage my account? Please don't reply to the error message because this won't register on our system. More for ARGOS LIMITED (01081551) Registered office address Avebury, 489-499 Avebury Boulevard, Milton Keynes, United Kingdom, MK9 2NW . The Deferred Interest charges will be requested as part of your Minimum Payment, but not all in one go. Yes, of course you can. Does anyone know that 'Widnes' is. If we've not been able to do that by the end of the third business day after we've received your complaint, we'll communicate to you to acknowledge this is being investigated further. Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? What happens if I go over my credit limit? REMEMBER: If you pay off your Buy Now Pay Later Plan IN FULL before it ends you won't be charged any Deferred Interest on the plan balance. Confirmation statement made on 1 February 2022 with no updates Just be careful: If your next payment is due within the next 5 working days, then we might have already requested your Direct Debit payment from your bank. the duration of your original Plan). No, you haven't done anything wrong. Paying by MY ARGOS CARD APP, MYARGOSCARD.CO.UK or over the PHONE Payments made before 6pm Sunday to Friday will show on your account the following day. The interest on any remaining balance is backdated to the date of purchase, and the rate applied to this Deferred Interest will depend on your Buy Now, Pay Later plan start and end date: What are my options if I don't want the interest rate on my account to increase? You can submit a request for a Minimum Payment Direct Debit on myargoscard.co.uk. Just log in and go to Change Login ID in the menu. Like desktop devices, Adobe Reader is the most popular app for this. Give us a call on 03456 400 700 to ask.. We're here to help if you've recently lost someone close to you. Can I keep using my Argos Card? The Financial Ombudsman Service exists to help resolve complaints and disputes as an impartial adjudicator, within the existing law. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. Argos is currently taking money from customers without goods available. If you repay your Buy Now, Pay Later plan balance in full before the end date, you won't be charged any interest. 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! If someone misses several minimum payments in a row then they're in breach of their credit agreement, and we have to end all of the plans and ask for repayment on everything, so all of the plans are added to Normal Credit. Are you worried someone else is controlling your finances? You can choose to pay the minimum contractual payment, a fixed amount or the full balance each month. This can sometimes take a couple of weeks to set up, so we need you to keep managing your account as normal until you see the Direct Debit details confirmed on your statement. Visa Debit, MasterCard Debit or Maestro) and press Make A Payment when you're logged in. What should I do to ensure I don't pay more interest than I need to? . No - for security reasons, we ask you to register for both separately. I've forgotten my login details. 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. When can I use my new credit limit? How can I get help with paying my Normal Credit balance? No - we only accept debit cards. How Deferred Interest is included as part of your Minimum Payment? If you get in touch, we'll ask you about your income and outgoings so you can feel confident you're only repaying what you can really afford. All Rights Reserved. Can I turn off my paper statements and letters? Argos Ltd. Argos Limited retails online products. They give advice on important debts such as rent or mortgage arrears and support if creditors take court action. If you ask us to make any changes to your Direct Debit (amount, bank account or date) in the 5 working days before your next payment date, the changes may not take effect until the following payment due date. Give us a call on 0345 640 0700 to discuss this in confidence. About us. You'll also see a padlock symbol somewhere on your browser, which confirms your session is secure (padlock positions may vary dependent on your browser - always make sure that one is showing though whenever you are using secure sites). Argos Limited has been running for 50 years. Your additional Card holder cannot register their Card on either myargoscard.co.uk OR on the My Argos Card App. Your Security Number is a bit like a passcode - but unlike the passcode you might use for an App or your phone, this one is five digits long (and it's not the same as your My Argos Card App passcode. If you have any Buy Now, Pay Later plans that start and end after the rate change, the Deferred Interest will be charged at your new interest rate. If you want to set one up or amend an existing Direct Debit log into this website or call us on 03456 400 700. Argos Limited, trading as Argos, is a catalogue retailer operating in the United Kingdom and Ireland, acquired by Sainsbury's supermarket chain in 2016. Why is that? If you've only become an Argos Card holder in the past 12 months, If you have an emergency temporary credit limit already on your account, If you've changed your limit within the last 6 months, If you're requesting a new limit which is below your current balance, If you're in arrears or you've missed payments. 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. Please be aware that there are also many similar debt management businesses that will charge you for their services. How long will it take for my card to be blocked from spending? Why has one of my plans disappeared? My Buy Now Pay Later Plan ends soon, and I dont know how Im going to afford to pay off the balance. It was established in November 1972 and is named after the Greek city of Argos.The company trades both through physical shops and online, with 29 million yearly shop customers, and nearly a billion online visitors per annum. There could be different reasons for this, please refer to your most recent statement. 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. How much should I pay each month? Argos Limited 2022. Call their free debt advice helpline or visit. No interest is charged if you pay in full before the end of the Pay Later period and keep your account up to date. We want to help. AGM 2022. Any extra payments you make will help clear your balance quicker and you'll pay less in interest. Why is it important that I take action? 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. What's Normal Credit? What is APR? 12 if you do not make your minimum payment on time; 12 for a returned payment, for example, a failed Direct Debit. You might find it useful to work out a budget to help you keep track of your spending each month and prioritise debt repayments. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. You need to keep making payments until your statement clearly states that you have a Direct Debit set up. Have a charge on my bank account from Argos - don't know them and also never bought anything. Your browser is up-to-date. If you need a VAT receipt, contact our helpful Customer Services team. The credit card charge "ARGOS RETAIL GROUP INTERNET GB" was first recorded on April 05, 2015. Does Persistent Debt affect my credit score? It has been flagged as suspicious by our users. 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). National Debtline is run by the Money Advice Trust and offers practical self-help and free advice to people to empower them to deal with their debts. When your Direct Debit has been set up you will see this confirmed on your statement. National Debtline also helps people to budget and look for ways to increase their income. If you're on a PC or Mac you need a PDF reader to open statements (Adobe Reader is the most popular software for opening PDFs but there are others available). How do I know my online order has actually gone through? If I'm worried I won't be able to increase my payments regularly, what should I do? If you've got a Normal Credit balance, the interest that might be charged from that is included in your estimated interest figure. We will tell you on your monthly statement when your direct debit is set up. One of the following will do nicely: Ooh, and don't forget we offer e-receipts too. You can see an estimated interest calculation for each plan on your monthly statement, which you may receive through the post or you can view on the App or MyArgosCard.co.uk. Any help would be appreciated. All in all made my move less stressful and so much easier. You can - if you want to use your own bank to make a payment here's what you need.

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