carol01 UE Diary

[Never-In-Doubt]

Re: carol01 UE Diary

After liaising with argos in an effort to obtain this document we have been advised that it is no longer available due to the lengh of time since the account was opened.
we are closing the account at this time we have closed our file and will not make any further contact with you concerning payment against this account

Excellent - well done you



That's proof of why we never back down!

[greymatter]

Re: carol01 UE Diary

Good result

[SA Gold]

Re: carol01 UE Diary

Result, result!

[Deepie]

Re: carol01 UE Diary

More good news today......

Well done

[carol01]

Re: carol01 UE Diary

hi all (update Only)
recieved a letter from lowel ref my argos account it says...
We refer to your recent request for a copy of the original agreement for this account.
After liaising with argos in an effort to obtain this document we have been advised that it is no longer available due to the lengh of time since the account was opened.
we are closing the account
at this time we have closed our file and will not make any further contact with you concerning payment against this account unless the copy is recieved at some point in the future from argos
YAY!!! at last!! thankyou to all that have helped me with this account 1 down 3 to go
carol01

[MrsD]

Re: carol01 UE Diary

good plan Carol

let's hope they take a few years to get back

[carol01]

Re: carol01 UE Diary

hi all
update only from lowell ref argos card
following on from our previous letter in acknowledgement of your complaint, we are writing again to advise we are still investigating the details of your concearns
unfortunatley, we have not yet completed the investigation that will allow us to respond fully.
please except our apologies for thee delay and thank you for your patience . be assured that we will write to you again as soon as possible but no later than 8 weeks from the date we recieved your complaint.
in the meantime if you need to make contact with us please telephone a member of my team on the number below


so just to recap cca recieved ue only application form sent threat o gram and now they are investigating complaint so will wait for their out come thanks carol01

[carol01]

Re: carol01 UE Diary

I agree, keep everything in writing...

plan to do so at least its 4 weeks before they get back to try and sort out what???? application form sent ue in niddys eyes so fingers crossed this is now over 3 years since default so fingers crossed they don't come back with to much thanks everyone for your help
carol01

[Never-In-Doubt]

Re: carol01 UE Diary

Hi Carol,
I.m no expert, but getting you to agree a verbal agreement over the phone....
That to me would appear that they know this is not going there way and want to get you to agree to something in a way they can manipulate...
I wouldn't talk to them over the phone, keep it all in writing...that's your way of safe guarding your best interests.

I agree, keep everything in writing...

[stuffthebanks]

Re: carol01 UE Diary

Hi Carol,
I.m no expert, but getting you to agree a verbal agreement over the phone....
That to me would appear that they know this is not going there way and want to get you to agree to something in a way they can manipulate...
I wouldn't talk to them over the phone, keep it all in writing...that's your way of safe guarding your best interests.

[carol01]

Re: carol01 UE Diary

I would send this if it were me--->Threat by Creditor - Threat-o-Gram Letter Before Action

hi all update only .....
recieved a letter back from lowell ref my argos account
thankyou for taking the time to contact us recently.
i confirm that your complaint has now been passed to the complaints resolution department who will carry out a thorough investigation. we will investigate this as quickly as we can but we may need to contact you for futher information or to provide you with an update.
if we can contact you by telephone, we will be able to discuss your concerns directly with you and hopefully agree a resolution with you verbslly.
i would like to assure you that the account will be placed on hold , and we will stop all collections activity whilst dealing with your complaint.
we enclose a copy of our internal complaints procedure for your information. please take the time to read this, as it fully explains the steps we will follow in responding to your complaint

so i guess i sit and wait for their response

[carol01]

Re: carol01 UE Diary

Hi Carol
There's no template as such as at this stage it's down to personal circumstances, but I can help you with the letter if you wish.
I've had a quick read through your thread re this account, just need some more info.

Are you now on benefits?
Do you own your own home?
Do you have any health issues?
Did you send them a Common Financial Statement when you set up the payment plan? (They have no legal right to one, but if it helps your situation then it's OK to send one).
In the light of your reduced circumstances it might be an idea to complete one yourself before they send their own intrusive version.
The Nedcab version is excellent, and has built in trigger figures. It's an industry standard and they should accept it.
When you complete it don't make yourself short, you have a right to live a normal life.
You can access it here, complete it online completely confidentially and print out the result: North East Derbyshire Citizens Advice Bureau

Once we have the figures to work with we can write with a token offer.
In the meantime to preempt any nasty letters when they realise your payment hasn't gone through, just send them something on these lines:

Re Account Number:
Your Ref:

Dear Sirs,
I write with reference to the payment arrangement for the above account which I have been paying at £66 per month since xxxx
I promised to inform you if my circumstances changed, and unfortunately having recently lost my job I am now in financial hardship and therefore unable to maintain the payment at the present level.

I am currently seeking advice and will be completing a C.A.B Common Financial Statement. I therefore ask that you put this account on hold for a minimum of 30 days to allow me time to sort this out.

In the meantime I would be most grateful if you would provide a full statement of account detailing my payments to date and the balance owed.
yours faithfully,


That's what I'd do, but see what others say too

hi elsa thanks for the reply
i will have a look at the budget and debt calculator and go from there

[Undercover Elsa]

Re: carol01 UE Diary

PS: Just for your reference, the OFT guidelines state:


Where a customer can demonstrate to a subscriber that they are making a genuine effort to develop a repayment plan, using either a debt advice agency or a self-help tool, the subscriber should suspend collections activity related to the customer’s current account, credit card and/or unsecured personal loan while discussions continue, for a period of 30 days.

[Undercover Elsa]

Re: carol01 UE Diary

i have stopped paying my overdraft back due to being made redundant so this is the first month i have not paid, i have been paying 66.00 per month since may 2011 but now i can not afford it.
should i send them a letter or wait till they contact me the balance was 3400.00 but with my payments and ppi it should only be around 700.00 left to pay is there a letter to send to expain my situation
thanks inadvance carol01

Hi Carol
There's no template as such as at this stage it's down to personal circumstances, but I can help you with the letter if you wish.
I've had a quick read through your thread re this account, just need some more info.

Are you now on benefits?
Do you own your own home?
Do you have any health issues?
Did you send them a Common Financial Statement when you set up the payment plan? (They have no legal right to one, but if it helps your situation then it's OK to send one).
In the light of your reduced circumstances it might be an idea to complete one yourself before they send their own intrusive version.
The Nedcab version is excellent, and has built in trigger figures. It's an industry standard and they should accept it.
When you complete it don't make yourself short, you have a right to live a normal life.
You can access it here, complete it online completely confidentially and print out the result: North East Derbyshire Citizens Advice Bureau

Once we have the figures to work with we can write with a token offer.
In the meantime to preempt any nasty letters when they realise your payment hasn't gone through, just send them something on these lines:

Re Account Number:
Your Ref:

Dear Sirs,
I write with reference to the payment arrangement for the above account which I have been paying at £66 per month since xxxx
I promised to inform you if my circumstances changed, and unfortunately having recently lost my job I am now in financial hardship and therefore unable to maintain the payment at the present level.

I am currently seeking advice and will be completing a C.A.B Common Financial Statement. I therefore ask that you put this account on hold for a minimum of 30 days to allow me time to sort this out.

In the meantime I would be most grateful if you would provide a full statement of account detailing my payments to date and the balance owed.
yours faithfully,


That's what I'd do, but see what others say too

[carol01]

Re: carol01 UE Diary

Ok, you don't have to increase anything, at the end of the day we can get them on the trigger figures (financial hardship) if necessary - so sign it and add text at the bottom of the signature saying "I do not agree to increase payments at this stage, £66 per month was agreed and this will remain until my financial position changes - I do not agree to an increment in 6mths so refute this condition and my signature assumes omission of such point"

That will sort that - photocopy it then keep that copy and send the original back to them. Can you afford £66 p/m? Did they ever get a CCJ or just threaten you (sorry am slightly behind so please remind me).....

i have stopped paying my overdraft back due to being made redundant so this is the first month i have not paid, i have been paying 66.00 per month since may 2011 but now i can not afford it.
should i send them a letter or wait till they contact me the balance was 3400.00 but with my payments and ppi it should only be around 700.00 left to pay is there a letter to send to expain my situation
thanks inadvance carol01