This service is provided on News Group Newspapers' Limited's Standard Terms and Conditions in accordance with our Privacy & Cookie Policy. 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. Theres no allowance for pain and suffering, no punitive damages, no attorneys fees, no public hearings or opinions, no right to judicial appeal. If you need to send your payment in the post, please allow extra time for this to reach us. 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). The usual returns rules apply, for instance, you'll have to have a receipt or proof of purchase. Workers at McDonald's, Starbucks, and Dunkin' reached out to Business Insider . Pay for Sainsbury's staff in central London will. We haven't increased the interest rate on the Argos Card for a long time, yet we have seen the costs of running the Argos Card increase. We use your sign-up to provide content in the ways you've consented to and improve our understanding of you. By Phone: If youd prefer to speak to someone you can contact us on 03456 400 700. One in 10 people have been refused by shops when trying to pay in cash during the lockdown, according to Which? The Financial Conduct Authority (FCA) have rules aimed at helping people who find themselves in this situation. When can I use my new credit limit? } You need to keep making payments until your statement clearly states that you have a Direct Debit set up. What do I need to set up a Direct Debit? How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? Build the strongest argument relying on authoritative content, attorney-editor expertise, and industry defining technology. Despite it being legal tender, some people trying to pay for shopping with cash are being told it's not an option amid fears over its safety thanks to the coronavirus outbreak. No - we only accept debit cards. Their service is available over the phone, through their website and via webchat. Argos Post Office. Why are you increasing the interest rate on my account? (Please ensure that you provide all of your details relevant to your Argos Card account). Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? I'd let it sit instead.". I've received a letter from you that says my account could be suspended. It depends how much you can pay off towards a plan and when your plans were started. You can contact us on 0345 601 0798 about your options at any time. If you have a Buy Now Pay Later plan due to expire next month then we'll also include how much deferred interest might be incurred on it if you don't pay off any more of your balance. Why am I being told that my details can't be found when I am trying to register? We can also take away and recycle your old mattress when we deliver your new one. Also, if you don't have an email address that you still have access to on your account and you forget your Memorable Word or Security Number you won't be able to log into this website. You can pay your Argos debt online if you register for an account by visiting www.myArgosCard.co.uk. But that is far from a good thing for some people. Call charges may vary please check with your provider. The APR is intended to help you compare different offers. Paying by HIGH STREET BANK, BUILDING SOCIETY or POST OFFICE Please allow 5 working days for payments to reach your account. And though the virus starts to degrade or break downright away, it can take up to three days for it to be totally gone. That's why we encourage you to pay more than the minimum payment if you can afford to, as this will help you to repay your balance faster and pay less interest. Vaccine makers Pfizer Inc, Moderna Inc and Johnson & Johnson did not respond to my requests for comment. the duration of your original Plan). Estimated Interest is the amount of interest you might incur if you only pay your minimum payment before your next statement. News Group Newspapers Limited in England No. Coronavirus service impacts. 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. How is interest calculated on Buy Now Pay Later plans? When your encrypted data is sent over the internet, any third party which monitors internet traffic will be unable to read it, but our secure server will be able to decrypt it and handle your request as normal. Find out more about Persistent Debt here. COVID-19: I need support with my Argos Card. A third myocarditis patients claim was approved but the person was denied compensation due to lack of eligible expenses. If your Argos Card account is suspended, it means that you won't be able to use your card to buy anything new. If you want to change your payment due date, give us a call and ask. When you buy your product you'll be able to spread the cost for up to 12 months without being charged interest. What does this mean? If you pay off some of the balance during the plan, you'll see on your subsequent statements that the Potential Deferred Interest reduces. Live chat now. Can I register again? You'll get a message telling you when your item is ready to collect which includes an order number and a collection code - keep hold of these as you'll need to show them when collecting your order. A variety of newsletters you'll love, delivered straight to you. If your chosen store has closed due to recent guidelines, you will be notified by email or text that your order has been cancelled and that a refund will be issued. What should I do? Ive been chronicling the flood of COVID-19 vaccine claims filed with the CICP since the early days of the pandemic. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. What happens if I am unable to increase my payments? You can find your nearest store on. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. If you are coming into store to collect, we recommend doing so whilst picking up your essential food shopping. It can take up to a month to close your account and it might take up to another month for your credit file to update. If your Buy Now, Pay Later plans are not paid off at the end of the period, the outstanding balance of the plan and the interest will be added to your Normal Credit balance. Please follow the instructions in your letter or email. What should I do to ensure I don't pay more interest than I need to? What browsers will myargoscard.co.uk work on? How will increasing the interest rate impact the way my account works? In Scotland - from Monday 26 April, all Argos stores are open for the collection of pre-paid online orders, in-store shopping and returns. 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. We'll publish a selection of answers every weekday on our website, and we're also putting some of your questions to the experts on the air duringThe Nationaland onCBC News Network. Instead, payouts (including attorneys fees) are funded by a 75-cent tax per vaccine, with $4.9 billion awarded to plaintiffs since the programs inception in 1988. You can turn off your paper statements, and paper letters we occasionally send you, when you log in to myargoscard.co.uk or if you download and register on the My Argos Card App. In some cases, it may take around a week for your card to be blocked while these changes take place. And as always, no matter what, physical distancing, good hand hygiene and being aware of what you're touching are the best things you can do to keep yourself safe. Click here for more information. Gareth Shaw, head of money at Which?, said: "The coronavirus outbreak has shown that cash remains vital to many consumers, particularly for vulnerable people who rely on it to pay for essential supplies. If you use both the App and this website you'll need to set up both separately). 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. No, never. If you can only clear off one or some of the plans (but not all) it makes sense to clear the oldest plans first to save you more in interest. In Northern Ireland, you can only collect orders from Argos stores in Sainsbury's. Vaccine makers here are also shielded from liability. We have extended these policies so that you will have time to make any claims you require once the national lockdown is lifted. Can I pay off my Argos Card balance faster? For other inquiries, Contact Us. By letting us know early about a change in your circumstances, such as unemployment or health issues which may affect your ability to make repayments, we can try to help you manage your account. How do I contact you? Iconic discount shop to shut its doors next month - is your local affected? 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? Your order will be delivered to your doorstep in a safe and sensible location, and large items will be taken to your room of choice where its safe to do so. 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. What is APR? If you want a Direct Debit to take regular payments to pay off a Buy Now Pay Later you'll need to call us on 03456 400 700. 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. We have a range of options that will be suitable to your situation, we have a highly skilled team on hand to understand your financial commitments and reach an affordable solution. The riskiest surfaces for coronavirus and how to clean them, CBC's Journalistic Standards and Practices. 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. Can I register an expired Argos Card so that I can still manage my account? See our advice on Website Security. If your chosen Argos store is open, you will have 7 days, from ordering, to collect your item(s). No - for security reasons, we ask you to register for both separately. Payments made outside of these times will be applied to your account within 3 days. 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'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. I've sent a text to opt out of the interest rate increase and received an error message. But it's a little more complicated than that. Can I make a payment using my own online banking? How will Brexit affect the services I receive for my Argos Card? Screen for heightened risk individual and entities globally to help uncover hidden risks in business relationships and human networks. Why can't I make one-off payments to Fixed Payment or Interest Free plans? 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If your Buy Now, Pay Later plan ends and you haven't paid the plan balance off IN FULL, then the remaining balance of the plan PLUS the Deferred Interest will be added to your Normal Credit balance and your minimum monthly payment will increase in line with your Terms and Conditions. You can still use all of the Buy Now, Pay Later plans to help you spread the cost of your purchases. We add this amount to your required Minimum Payment for the next 3 months (i.e. Cash can be passed around from person to person much more frequently than your personal credit or debit card, making it potentially more likely to carry illness-causing bacteria or viruses like. If I've registered for the My Argos Card App, am I registered for myargoscard.co.uk? Still stuck? 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. Closed Captioning and Described Video is available for many CBC shows offered on CBC Gem. The consumer group said it is concerned the coronavirus crisis is accelerating a shift towards a cashless society, potentially leaving vulnerable people without a "payment lifeline" for essentials. As outlined within our complaints procedure, if youre unhappy with our final response to your complaint, you can ask the Ombudsman for an independent review. leave out the first number, which is 6. How Deferred Interest is included as part of your Minimum Payment? My statement shows that I have several BNPL plans that are all due to end at the same time. 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. Argos stores in England, Wales, Scotland and Northern Ireland are now closed. I've forgotten my details. The price of a routine check-up, which falls under Band 1 pricing, has increased from 23.80 to 25.80. If you don't pay in full in this time, you'll be charged interest. It comes as England is in the middle of a coronavirus lockdown that could last until the end of March. Why is that? Why is that? No - as the main Card holder, you are solely responsible for managing your account. How do I update my account? When you connect to our website, your session is encrypted. You can change your phone number and email address in the App, and you can change your address, phone number and email address on myargoscard.co.uk. Some retailers like the Metro grocery chain in Ontario and Quebec say they're encouragingcustomers to usecards, but they'll still take cash if it's the only option. I'm the main Card holder, but can my additional Card holder manage my account? I don't think I'm in Persistent Debt. If you're using browsers older than Chrome 28, Firefox 27, Microsoft Edge 12, Safari 7. We're sorry that you're considering closing your account. But please check availability online by entering your location in the check stock box, on your chosen item. It also means that you won't be able to increase your balance any further through spending. Depending on where you live, we have made some changes to how you can return an item: In England - from Monday 19 July, item(s) can be returned to any Argos store, in-line with our returns policy. 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. You can also get these items taken away and recycled, but again on other items this service is paused. My Buy Now Pay Later Plan ends soon, and I dont know how Im going to afford to pay off the balance. Why is that? If you can afford to pay more each month, you will pay off your balance quicker and you'll pay less interest. 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. 15% OFF. 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. 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. Please allow 5-7 working days for this to appear in your account. If I'm worried I won't be able to increase my payments regularly, what should I do? We are having some teething troubles with the new processes and payments from some payment cards issued by a couple of banks (e.g. What's a Login ID? Check that you have no security software running that might be blocking the PDF from downloading. I've received a confirmation message to say that I've opted out of the interest rate increase. .tg { What do I do if I'm struggling to pay my bills? Where you have two or more Buy Now Pay Later Plans due to expire after your next statement period, these will be repaid in the order in which they are due to expire, starting with the Buy Now Pay Later Plan that is due to expire first. We have also made some changes to our stores, which you can find here. In England, Scotland and Wales, you can collect your purchase from an Argos store or from an Argos store in a Sainsbury's supermarket. We will also try to make sure that we fix the root cause of problems so that we dont make similar mistakes again. Some people worry that cash may be spreading the coronavirus. It comes as England is in the middle of a coronavirus lockdown that could last until the end . The United . We will communicate to you to let you know when you may be able to contact the Financial Ombudsman Service (FOS) to review your complaint. A study conducted by the Federal Reserve Bank of San Francisco stated that in 2018, consumers used cash in only 26 percent of transactions, which was down almost 30 percent from 2017. How do I close my account? 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 Call us on 03456 400 703 to see how we can help. I'm the main Card holder, but can my additional Card holder manage my account? If you don't respond to this communication, your account will be suspended and you won't be able to keep using your Argos Card. How do I make a payment? What is Persistent Debt? 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. Could be one of a number of reasons: Can I register an expired Argos Card so that I can manage my account? 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. Please call us on 0345 640 0700 if you need any further help. If you definitely want to close it then give us a call or contact us through myargoscard.co.uk. 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. Of more than 8,000 people who filed claims with the federal government alleging injuries from COVID-19 vaccines, three have now received cash payouts, new government data shows. As a result, we have fewer delivery slots available. 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. 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's my Memorable Word and my Security Number? If you've got a Normal Credit balance, the interest that might be charged from that is included in your estimated interest figure. If you are an Argos Card customer please click here for the latest COVID-19 updates. BORDER-COLLAPSE: collapse; BORDER-SPACING: 0; MARGIN: 0px auto We're working hard to resolve these issues as quickly as possible. Help home; Store locator; Were working hard across all sites to help customers get what they need at this time. If the lockdown restrictions are tightened and the rules change in future you can find the latest information updated here. Your COVID-19 questions answered. 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). One in 14 (7%) people have found it harder to take out cash since the coronavirus pandemic started. Visit their website at. Your credit limit and remaining balance can be found on your statement, on the App or by logging into this website. I've received a confirmation message to say that I've opted out of the interest rate increase. When do I need to make a payment by? You can submit a request for a Minimum Payment Direct Debit on myargoscard.co.uk. As supermarkets are an exception, Argos concessions within Sainsbury's shops remain open. 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 most comprehensive solution to manage all your complex and ever-expanding tax and compliance needs. Unfortunately, this means you won't be able to spend on your card or take out any new Buy Now, Pay Later plans. John Crossley, head of money at comparethemarket.com, said: The UK is increasingly heading towards a cashless society. When collecting an online order from selected stores outside Sainsbury's, you'll have to wait outside for the package to be handed to you. 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. Why has one of my plans disappeared from my account? Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. No, you need to let us know that you want to do this via text message or by calling our dedicated helpline. FONT-SIZE: x-small; VERTICAL-ALIGN: middle; TEXT-ALIGN: left As for debit and credit cards, a disinfecting wipe or cotton pad with alcohol will work as will a non-abrasive soap mixed with water. Please continue to make payments by an alternative method until your direct debit is set up. How will I know when my Argos Card account is not in Persistent Debt? Your COVID-19 cash questions answered | CBC News Loaded. Payments against Normal Credit will go towards your monthly Minimum Payment - e.g. Coronavirus lockdown opening times and advice, I tested supermarket coronation chicken sandwiches - the winner was a close call but it's good news for bargain hunters. How will I know if my Argos Card account is in Persistent Debt? Reuters, the news and media division of Thomson Reuters, is the worlds largest multimedia news provider, reaching billions of people worldwide every day. You will need a valid email on your account, though. Can I cancel my Direct Debit? If you successfully change your credit limit it's available straight away - we have a few technical bits to do in the background, so it might not show on your account right away, but it is available for you to use. ARGOS stores are closed due to the third lockdown - but customers can still shop online. 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. If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? 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. Why am I being told that my details can't be found when I'm trying to register? I've sent a text to opt out of the interest rate increase, but I haven't had a response. 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. VERTICAL-ALIGN: middle; TEXT-ALIGN: left Have I done anything wrong if I receive a letter about Persistent Debt? Just over a quarter (26%) said they were left unable to make their purchase on at least one occasion as they had no other way of paying. 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. To be able to manage these costs, we need to take this action now. 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. See here for a complete list of exchanges and delays. You can shop at Argos online and get it delivered to your home to avoid having to leave the house during lockdown. I've received a letter from you that says my account could be suspended. Paying as much as you can before the plan ends will reduce the amount of interest that you pay. Remember: If you continuously only make the minimum monthly contractual payment every month, it will take you longer and cost you more to clear your balance. Send us your questions via email atCOVID@cbc.ca,and we'll answer as many as we can. We're answering your questions about the pandemic. Your browser is up-to-date. Can I register again? . This means it may take longer than usual for you to receive mail from us or for us to receive anything you send to us in the post during this time. The Bank of Canada says it's up tosellers to determine what kinds of payment they will accept for transactions, and there is "no law" that would require anyone to accept bank notes or any other form of payment for a commercial transaction. To prevail, petitioners have to clear a towering hurdle, producing compelling, reliable, valid medical and scientific evidence showing they suffered a serious injury that was the direct result of the vaccine. How do I report a bereavement? With click and collect, you buy the item online and choose the click and collect option at the checkout. The Sun website is regulated by the Independent Press Standards Organisation (IPSO), Our journalists strive for accuracy but on occasion we make mistakes. What should I do? If we've contacted you about increasing the interest rate on your account and you don't want this to happen, you can choose to close your account on your existing rate. 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. Give us a call on 03456 400 700 to ask.. For more details and FAQs, please see below. Argos Limited 2023. A Buy Now, Pay Later Plan (BNPL Plan) is a way of spreading the cost of a product over a period of time. Tougher lockdown restrictions could be introduced that ban click and collect shopping everywhere except supermarkets in a bid to tackle the virus. You must pay your minimum payment before the due date each month, which will be at least 25 days after your statement date. dedicated help page for more information. "Somebody needs to tell that store owner that they need to develop a system for the rare cases in which cash is the only option," he said. Please don't reply to the error message because this won't register on our system. We take your financial circumstances into consideration as well as some other information about your account. Why are you increasing the interest rate on my account? Can I make a payment using my own online banking? Visa Debit, MasterCard Debit or Maestro) and press Make A Payment when you're logged in. Supermarkets are open and they havecertain rules you need to follow in store when visiting - and there may be some limits on itemstoo. Weve updated our returns policy in response to Covid-19. 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. 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. We may be able to offer you support and we'll look at the options available to help you keep up with repayments. If your item is faulty or damaged, it can often be easily repaired, or you might just need some advice to get it working again. Opening times vary depending on the location of your nearest store, so we'd recommend checking the store finder tool first before making the journey. How much should I pay each month? 679215 Registered office: 1 London Bridge Street, London, SE1 9GF. We will tell you on your monthly statement when your direct debit is set up. LinkedIn. Customers can either pay for home delivery or click and collect from certain stores across the UK. If you can, you should try to take action to move your account out of Persistent Debt. Can I repay more than my Direct Debit each month? If you've already taken some action and started to increase your payments, that's a great start and will help towards moving your account out of Persistent Debt. Privacy hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions. If you click on a link in this story we may earn affiliate revenue. 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. 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.
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