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. Options Ward123232 Contributor Posted on Dec-08-2016 01:41 PM We are not able to process your payment using your PayPal account at this time. @Mg05026377 @walshie_writes Maybe, but my recent experiences of Argos were shocking. What's my Memorable Word and my Security Number? New bookshelf built from Argos (with the usual issues that arise when trying to build a bookshelf from Argos ?). No goods and no contact from Argos. Once with BC, twice with Bombers, and once with Argos. You will continue to receive other correspondence and letters via email as usual. How do I update my contact details? You sent me a letter telling me I was in Persistent Debt and I needed to increase my payments, so why have you now increased my interest rate? I've been in contact with you and chosen an option, but my circumstances have changed. This is because rules from the Financial Conduct Authority mean that we need to take steps to help you repay your balance more quickly and pay less interest. If you can't remember it press FORGOTTEN YOUR LOGIN ID below. If youd like to join in, please sign in or register. You need to continue to make payments manually, until you see confirmation on your statement. Hence my request to try later today. Up to 1% of orders experience technical problems (a lot of orders!) Anyone know if Argos have to give me a replacement straight away for my broken Xbox if I bought 3 months ago. I'm worried about being able to afford my repayments If you've missed a repayment to your Argos Card account, or think you might do, we want to help. 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. We will keep you up to date throughout while we are investigating your complaint, until we provide you with a formal response either via e-mail or letter. @ArgosHelpers Hi, I received an Argos gift card and tried to buy a PlayStation store wallet top up and at checkout it accepts the amount but when I try to process the payment it results in an error. 12 if you do not make your minimum payment on time; 12 for a returned payment, for example, a failed Direct Debit. @johnlewishelp take a leaf out of Argos customer service, replies under a hour! In order to move out of Persistent Debt, you should pay what you can afford to, as often as you can. I quote: " This is because the payment will be rejected by Argos as no order has been placed, this payment then gets placed into Paypals holding account. @David47203456 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. Visit the. 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. When your Direct Debit has been set up you will see this confirmed on your statement. Call us on 03456 400 700 to see how we can help. What happens next once I've confirmed my choice? 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. Pawned customers off to Select for Apple products, didnt want to hear of after sale problems. No email address from either, what next? "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. This means you may pay interest on interest. When you make a payment that's not to a specific plan we will apply the payment as per the terms of your agreement with us (which is as follows): If you do not pay off the full outstanding balance on your account in a month, any payments made by you will be applied to your account (including any overdue Payment Plan balances) by firstly clearing the: (a) Monthly scheduled instalment due under any Fixed Payment Plan; and then (b) Monthly scheduled instalment due under any Interest Free Plan; and then (c) full amount of any Buy Now Pay Later Plan due to expire before the end of your next statement period. @ArgosHelpers is your website down?? No Mario Kart. I've received a letter from you that says my account could be suspended. 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. 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. Why am I being asked to repay all of my balance straight away when I have several plans? Lillian. Seller (Argos) says MS need to fix it. You can - just enter your Card number and expiry date from your final Argos Card. You can change your Login ID later if you want to. argos card unable to process payment. @rockville1973 What's Normal Credit? Are you worried someone else is controlling your finances? After many attempts (stop/start turbotax, reboot system, remove Ccard from GooglePay, etc) I finally got around this problem by logging in as guest in the intuit login page that pops up when getting ready to make the payment. Given meesly 5 voucher as a sorry and still nothing. If you want to change your payment due date, give us a call and ask. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. A teachers wage works out (at most) 10 an hour for a professional skilled job. If after that you still get an error message, call us on 0345 608 0152 so we can make sure your request has been logged and start the closure process. However, if we do need to contact you we will ask some security questions before we can access your account. @seeweed3 In 2 stores I have been unable to purchase an Xbox Live 12 month subscription card because they "cannot activate them". If you don't have sufficient funds in your account, then your Direct Debit might fail. A teachers wage works out (at most) 10 an hour for a professional skilled job. Your payment history will show on your credit file and can affect your credit score. Did anyone else used to use Argos as a free tool hire place? If you're still having issues, contact your bank to see if there's a problem with your account. @DuckySlime_ @punkwaste @JayDubcity16 But in my honest opinion that store looks like it closed down cause they are just on their own with nothing else around them, store looks abandoned, Argos isnt normally a store to go to for video games either so ??. @kh60772306 How will increasing the interest rate impact the way my account works? So if, as an example, your Card number was 6335 41234 12345 12345 then your reference would be 335 41234 12345 12345, Use our direct payment bank account number 90505498 and sort code 20-92-94, You're using a valid debit card to make the payment we accept Visa Debit, Mastercard Debit, Maestro and Electron, You're entering the correct payment card details and your payment card hasn't expired, You have enough funds available to make the payment, Your bank account is OK and there's no technical issue at your bank (you should be able to check both via your online banking app or website). Was told issue escalated and nothing. We will continue to monitor your account for 18 months after we write to you the first time and we'll let you know during that time how you are progressing. No email address from either, what next? We know your debts aren't going to disappear on their own, but we really can help. Users having issues with points not added, Argos, Ebay & Esso to name a few. I purchased a tablet from Argos on 12 Feb for 225. When will my latest statement appear online? You can contact us on 0345 601 0798 about your options at any time. 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 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. Argos Pet Insurance they refuse to talk to the Vet involved. Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. @Argos_Online @MicrosoftUK FIFA download bought as a gift. Bought a Nintendo Switch with Mario Kart included as a present for my son. If you've forgotten all of your login details, give us a call and we'll help OR download the My Argos Card App and manage your account on your phone or tablet. How can I see if I have a Direct Debit set up? @ArgosHelpers I'm sorry Jack. Yes, of course you can. Purchases on Normal Credit won't be charged interest if they're repaid in full by your next monthly payment date (and the total Normal Credit balance on your previous statement has been cleared by the payment date). When the Argos website is not working, or the app is down then it's impossible to reserve to collect in-store or place orders to be delivered at home. How is interest calculated on Buy Now Pay Later plans? @Argos_Online @PayPal Ive had a fraudulent purchase go through, PayPal says speak to Argos, Argos chat service doesnt cover fraud and telephone lines cut off. My advice don't get it. A Buy Now, Pay Later Plan (BNPL Plan) is a way of spreading the cost of a product over a period of time. Called up c/service and they reimbursed points/money. I am looking to speak to anyone who is affected by the closing down of Cardiff Bay's Argos- get in contact if you'd like to share your thoughts! You should receive your statement within 10 days of your statement being printed. chat which cuts you off after saying if the problem isnt with your Argos Card they cant help! In addition, the Normal Credit Interest Rate will apply to the whole Normal Credit balance each month, until the balance is cleared, we refer to this as interest on interest. If you decide not to pay off the plan by the end date, we'll move the remaining amount to your Normal Credit balance. 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. If you definitely want to close it then give us a call or contact us through myargoscard.co.uk. You can set a 'hint' when you register to jog your memory if you forget it. Monthly payments should be treated like credit. Better off with Tesco. @Happyintelect 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? Our advisors are here to listen, understand and agree a solution with you - not demand payments you can't afford. 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. You can find some information about how long it will take you to repay your balance, how much interest you might pay and how much you could save by paying more than the minimum each month by visiting cardcosts.org.uk. 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. What browsers will myargoscard.co.uk work on? @ArgosHelpers @Argos_Online. @_johndunne Today, I took a Coffee Machine back to Argos, Dover to have a refund as I didnt think that the milker was working properly. Error message on argos! Users having issues with points not added, Argos, Ebay & Esso to name a few. What's Verified by Visa and MasterCard SecureCode? Your APR is displayed on your latest statement. Verified By Visa / MasterCard SecureCode are both operated by debit card issuers. Whenever you ask for a new credit limit (either an increase or decrease) we look at a number of things before we can change it. Five authorizations from Paypal confirmed, but cancelled by Argos. Is anyone else having issues with Argos??? We need to tell you something important about your account so we've sent a paper statement in addition to your paperless copy to make sure you get it and to remind you to read it. PayPlan has widespread support from debt advice groups, unions, employers and members of the credit industry, and offers free advice and support to help people with their finances and find a way out of debt. I'm sorry you're having problems getting your VAT receipt. I did send a private message and received an automated answer from a bot!! You're not tied in to paying a higher amount all the time. Poor service -advice please! Refunds (which take up to 7 days) only start when you contact them. * These organisations all have different opening hours which may vary, so check their websites for details. @Argos and @johnniewalker_ are major culprits. This is so that we can help you to start repaying your balance more quickly and pay less interest. Product not as advertised. Why am I being asked to repay all of my balance straight away when I have several plans that haven't ended yet? I'm having issue trying to purchase online using it.. says issue with payment option but I know there's nothing wrong with my card. Call us on 03456 400 703 to see how we can help. Now mid Saturday morning and no idea when it's being delivered. Stopped using card ages ago and guess what you can't even access the app when you have a new phone. We encourage all our customers to pay more than the minimum payment, as this will help you repay your balance faster and pay less interest. @hollyymills Please bear in mind that lines can get very busy at certain times of the day. Paying by CHEQUE in the post Please allow a minimum of 5 working days for your bank to process your payment and for it to reach your account. @Argos and @johnniewalker_ are major culprits. dedicated help page for more information. What's my Memorable Word and my Security Number? How quickly is it set up? @mrsmillsy One of the main reasons why could be if you had a Buy Now Pay Later plan that ended, then the balance of that plan has been added to your Normal Credit and the Buy Now Pay Later plan will no longer exist on your account. @SkyHelpIreland my sky remote is not working! It's also a choice you need to make, to increase your payments and resolve this situation or not. Fab customer service ? @ArgosHelpers, technical problem meaning I'm unable to order an Argos item to Click & Collect at Sainsburys, @JulietPapa65 If you've only recently opened your account then it's possible you may not have a statement yet. How do we apply your payments? The amount you owe and the payment due date are shown in your statement each month as well as on your account summary on myargoscard.co.uk and in the My Argos Card App. How do I get past it? Please advise. Go to 'Request New Credit Limit', enter your Annual Income, tell us the TOTAL credit limit you would like to have - that's your current limit PLUS the amount you want (e.g. If you've entered your login details incorrectly three times then your myargoscard.co.uk account will be locked for 30 minutes, at which point you can try to log in again. @Argos_Online I've also tried on the laptop and same issue. You will need a valid email on your account, though. @ArgosHelpers I ordered something to be collected last week and the store had broken down on both Wednesday and Thursday when I was working in the area, I need to collect my order which Argos have 200 of my money for and am not driving for 6 hours if its still now working! Never again will I buy anything from either. Seller (Argos) says MS need to fix it. Were sorry to hear youre having issues with your Argos Card. Argos are a con. Please contact us if you are having repayment difficulties. No goods and no contact from Argos. I made a payment to a plan but the payment has gone towards a different plan. I've recently changed my name. @ccliffy90 If your payment card is from one of those banks then you will either need to use a different payment card (issued by a different bank) OR make a payment another way for the time being until we can resolve the issues we're having. 2012-2023 Ookla, LLC., a Ziff Davis company. If you've received a letter from us about this issue, then your account meets that definition and you need to consider taking action by increasing your monthly payments. Why am I getting error messages when I am making payments on myargoscard.co.uk? @Katharinealice2 And @Argos_Online if my daughter in law hadnt of called to chase order they would t off known . What happens if I spend more? No reply now for 3 Days to my DM? @SolidusSnake95 What is Persistent Debt? Ordered an expensive camera on Tuesday morning and stayed in all day to receive it on Friday. Why am I being told that my details can't be found when I am trying to register? Ive tried multiple times. I did send a private message and received an automated answer from a bot!! Poor service -advice please! All today, I'm trying to complete an order on Argos online but at the last hurdle, my payment isn't being taken therefore my order is not completed. @westbrookdanni Refunds (which take up to 7 days) only start when you contact them. You'll need to send us one of the following documents (or a copy of the document) with a covering letter that includes your account number and address: Send your documents to: Argos Financial Services, PO Box 211, Park Mill, Huddersfield, HD8 1FA. Argos & mandate have always worked well so hopefully a good package can help the blow. Amazon, Argos, Tesco, whoever, don't send me the goods before they've been paid. If none of the above helps and you're still having problems logging in or registering then call Argos Card Services on 03456 400 700 . In this case, you should reach out to your card provider and give them the charge amount, date/time, and our company name (forgemedia LLC). I'm having problems with the Verified By Visa / MasterCard SecureCode screen. Please try again or use a different c. Options. What does this mean? Use a valid debit card (e.g. Please help! @nectar has to be the worse customer services ever. Do you have a phone number for Sky so l can check suitably before l buy one? Further proof that Argos has no customer service at all!! Plenty of time to do a spot of d.i.y. Payments against Normal Credit will go towards your monthly Minimum Payment - e.g. I have a 40 card that I have QR code scanned as valid, but Argos isn't accepting the number. Find out more about Persistent Debt here. 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. @ChilcottLes Hi Leslie. Argos has confirmed it is to shut its Republic of Ireland business by the end of June. Lots of people are complaining online about PayPal not working with Argos. Shocking day with them yesterday! Omg thus Country has become a failure in every aspect. You must pay your minimum payment before the due date each month, which will be at least 25 days after your statement date. Or, you can decide to spread the cost even further. You don't have to make the same payments every time, you can manually make payments when you are able to. Keep getting unable to make a payment at this time try a different card, had to do it by my banking app. @ArgosHelpers is your website down?? Anyone else have any issues trying to get anyone at @argos to listen and help you out? Find out more on their website, A registered national debt advice and education charity offering free, confidential support and impartial advice to anyone worried about loans, credit and debt. @Tessandom They were a great and friendly employer. No goods and no contact from Argos. No goods and no contact from Argos. What can you do: - Manage your account in one easy place. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. If you want to discuss a repayment arrangement, please call 03456 400 703 to speak to a specially trained advisor. Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. Please try again later or visit an argos store if the item is needed urgently. Please don't anyone respond just screaming into the void. Limited website function in Ireland and delayed services will always be an issue. I was earning this working at Argos whilst at college. 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. 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. Persistent Debt is where a customer has paid more in interest, fees and charges in an 18 month period, than they have towards paying for the item they originally bought. Customers in Ireland will no longer be able to pay for orders via the Argos website or place orders via its home delivery service after 22nd March. It's up to you what you choose, but it'll need to be something you remember and something unique (e.g. If you use both the App and this website you'll need to set up both separately). @KyleOR1984 @PaulQuinnNews @VirginMediaNews Absolutely.
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