Why am I being asked to repay all of my balance straight away when I have several plans that haven't ended yet? 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. How do I get past it? Just log in and go to Change Login ID in the menu. Why is logging in so difficult? You can call our contact centre on 03456 400 700 or talk to us via Live Chat. And even ifstores saythey prefer plastic only, it's worth asking if they can make an exception. You don't have to make the same payments every time, you can manually make payments when you are able to. 1. "Coronavirus will last up to three days on a hard metal or plastic surface at room temperature," said Furness, referring to a study done in April. Why is my payment not showing on my account? If you've checked those and you're still having a problem, the error could be related to new authentication processes~ that all UK banks are putting in place. Due to high demand, were unable to reserve items. If we ask you to call us, please do call as soon as you can - 03456 400 700 . Opinions expressed are those of the author. 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. Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? How will increasing the interest rate impact the way my account works? When your Direct Debit has been set up you will see this confirmed on your statement. Less than $5,000. Reuters provides business, financial, national and international news to professionals via desktop terminals, the world's media organizations, industry events and directly to consumers. How will Brexit affect the services I receive for my Argos Card? This is so that we can help you to start repaying your balance more quickly and pay less interest. Following recent guidelines, we have made some changes to our stores. My Buy Now Pay Later Plan ends soon, and I dont know how Im going to afford to pay off the balance. What do I do if I've lost my Argos Card or had it stolen? Can I use a credit card to make a payment? With click and collect, you buy the item online and choose the click and collect option at the checkout. 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. 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! By and large, lawyers who specialize in vaccine injury cases are not representing clients before the CICP. Upcoming industrial action by Royal Mail may cause delays to postal communications. If you use both the App and this website you'll need to set up both separately). 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. If you have set up a repayment arrangement to clear the arrears on your account, then you don't need to increase your payments at the moment. In England, Scotland and Wales, you can book our installation and recycling service for washing machines, washer dryers, dishwashers and freestanding cookers. 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. Usually things get back to normal quickly but sometimes the situation can get worse and positive action is required - the remedies are often simple. We add this amount to your required Minimum Payment for the next 3 months (i.e. 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. . It's also a choice you need to make, to increase your payments and resolve this situation or not. 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. You're not tied in to paying a higher amount all the time. To find your nearest store, you can use our store locator. Moving the cases will take congressional action, as well as a bump in resources for the already-swamped vaccine court. What's Verified by Visa and MasterCard SecureCode? Please don't put it off, it really is easier to deal with if you change your payment habits as quickly as possible. I've received a letter from you asking me to choose from some options. Why is my payment not showing on my account? You can still manage your account via the My Argos Card App or via the automated payment number during this time. To help you to stay within your credit limit, we'll send you a text reminder when you've used 95% or more of your credit limit. In Wales - from Monday 12 April, all Argos stores and Argos stores inside a Sainsbury's supermarket are open as usual. Reach Greene at jenna.greene@thomsonreuters.com. Blue Light Card holders can save money on holidays, cars, days out, fashion, gifts, insurance, phones there is something for everyone! .tg { If you've got a Normal Credit balance, the interest that might be charged from that is included in your estimated interest figure. However, if you feel we havent achieved this, we have clear and simple procedures in place to make sure we handle your case fairly, sensitively and in line with requirements set by the Financial Conduct Authority. I can't imagine anyone is happy with these payouts, Rene Gentry, director of the Vaccine Injury Litigation Clinic at George Washington University Law School, told me. We want to help you, so please contact us on 0345 601 0798 if you want to talk about Persistent Debt. VERTICAL-ALIGN: middle; TEXT-ALIGN: left You can shop at Argos online and get it delivered to your home to avoid having to leave the house during lockdown. (Reuters) - 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. 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; FONT-WEIGHT: normal; PADDING-BOTTOM: 10px; PADDING-TOP: 10px; PADDING-LEFT: 5px; BORDER-LEFT: black 1px solid; PADDING-RIGHT: 5px Two years into our Food First plan, we are a fundamentally stronger business. 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Click here for more information. If you can afford to pay off all the plans then you may want to consider clearing the balances. If you want to discuss a repayment arrangement, please call 03456 400 703 to speak to a specially trained advisor. Browse an unrivalled portfolio of real-time and historical market data and insights from worldwide sources and experts. 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). We know the novel coronavirus lasts on different surfaces for different amounts of time, but we don't know exactly how long the virus could last on different types of money. The short answer is yes, astore can refuse to take cash. The funds will leave your account on your payment due date (which is shown on your statement). Argos has extended its returns policies to help people in lockdown. Just go to your account online and look at recent orders and you'll have the option to do this. 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. 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. 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. Instead, you could choose to spread the cost further. Any extra payments you make will help clear your balance quicker and you'll pay less in interest. 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. What does this mean? Simply contact our Live Chat team to arrange. 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. Additional penalties apply if you also failed to file your tax return. With recent efforts to limit the spread of germs and reduce contact, a look at how to handle cash during a pandemic. Why can't I make one-off payments to Fixed Payment or Interest Free Plans? Let us know as soon as possible (call us on 03456 400 700 or Contact Us via myargoscard.co.uk). 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. You can't make payments to plans that haven't appeared on your statement yet - if you try to do that our system will automatically allocate your payment to the plan or plans which are likely to incur the most interest that 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. Why has one of my plans disappeared? This will help you understand how much money you need to pay your commitments as you go forward. You can submit a request for a Minimum Payment Direct Debit on myargoscard.co.uk. 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? Pay for Sainsbury's staff in central London will. Can I add something to an existing order? If you're unsure whether or not the Direct Debit is set up, give us a call. We'll take the balance shown on your statement balance if this is less than the Fixed Amount. I made a payment to a plan but the payment has gone towards a different plan. What do I do if I've lost my Argos Card or had it stolen? We're sorry that you're considering closing your account. Can I pay online using my Argos Business Account card? 3 months). 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. But Argos shops located within Sainsbury's stores are closed, except if you're picking up an order which you've made and paid for online. Iconic discount shop to shut its doors next month - is your local affected? If I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? You will be contacted closer to your delivery date with an estimated delivery time and tracking information. Why is that? What should I do? Most Argos stores open at either 8am or 9am . Click here for more information. You'll have to set up an account if ordering for the first time but that doesn't take long and you can find step-by-step instructions here. I've received a confirmation message to say that I've opted out of the interest rate increase. How do I set up a Direct Debit? How Deferred Interest is included as part of your Minimum Payment?'). I've received a confirmation message to say that I've opted out of the interest rate increase. Or, you can decide to spread the cost even further. Of course! Debt can become a problem for all sorts of reasons for example, as the result of relationship breakdown, unemployment, bereavement and illness. Our store locator can help you find your nearest store. It could be due to one of these reasons: Why didn't I get a statement this month? 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. 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. Delivery is more for larger items, starting from 6.95. If someone else controls your finances without your consent and won't let you have your own money, this is known as financial abuse. How do I update my account? It's aimed at protecting your details when shopping online by ensuring your card is not being used by someone else. Will I need my login details to make purchases or manage my account over the phone? 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. But it's a little more complicated than that. Please wear a face covering if you can when visiting stores, Please try to keep a safe distance from other customers and from our colleagues when you are doing your shop, Hand sanitising stations are still available in all of our stores for your use, Or collect from any of our Argos stores, Argos stores in Sainsbury's supermarkets or Sainsbury's collection points. }. Can't you just increase my minimum payment? Our Argos stores, Argos stores in Sainsbury's supermarkets and Sainsbury's collection points are operating as normal. 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. But don't use disinfectant wipes or other products containing bleach or rubbing alcohol. How will I know if my Argos Card account is in Persistent Debt? If you pay off some of the balance during the plan, you'll see on your subsequent statements that the Potential Deferred Interest reduces. Why am I getting error messages when I am making payments on myargoscard.co.uk? It's critical that we have current contact details for you - occasionally we might need to tell you about critical changes to your account (updates to your terms and conditions, changes to APR etc) and if we don't have your details then we can't contact you. The failure to pay penalty is 0.5% of the unpaid tax balance for each month it remains unpaid, up to a maximum of 25%. Verified By Visa / MasterCard SecureCode are both operated by debit card issuers. These are nuisance value amounts the kind of awards that are very upsetting to the vaccine injured person and can drive the anger and vaccine hesitancy we see., A CICP spokesperson in an email said the program is "the payer of last resort and can only reimburse or pay for reasonable medical services or items, or lost employment income that are not covered by other third-party payers, such as health insurance, Veterans Affairs benefits, or Workers Compensation. Once your arrangement has ended, please call us on 0345 601 0798 so we can then discuss your Persistent Debt repayment options with you. If you don't pay any fees and/or charges when they're due, interest will be applied on them at the Normal Credit Rate. Can I register an expired Argos Card so that I can still manage my account? 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. 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. Why can't I change my credit limit? Which? Their combined compensation? How will I know when my Argos Card account is not in Persistent Debt? The United . Cash in the time of Covid | Bank of England During the Covid-19 (Covid) pandemic the way people use cash has changed, with less being used for transactions. See our advice on Website Security. Struggling to pay your bills? How do I make a complaint? Fillings, root canal and removing teeth, covered under Band 2, have gone up from 65.20 . 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. 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. Youll have the option to add this when you place your order. I've sent a text to opt out of the interest rate increase and received an error message. 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. If you're finding it difficult to make your required monthly payments, please contact us on 0345 601 0798. .tg TH { It also paid back business rates relief on its. Read our coronavirus live blog for the latest news & updates. I'd let it sit instead.". 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. If you need to send your payment in the post, please allow extra time for this to reach us. It's one of a long list of reasons to carry hand sanitizer and use it.". Vaccine makers Pfizer Inc, Moderna Inc and Johnson & Johnson did not respond to my requests for comment. Use the [back to top] links to get back to the full list of questions if you need to. Go to, Provides free, confidential debt advice in each council area throughout Northern Ireland via an online chat service and by phone. How do I update my account? But some readers, such asSamar D., are asking if it's legal for a retailer to reject payment in cash. There could be a few reasons why your payment's not working, so let's check a few things first. 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. This is also a risk in rural areaswhere there may be only one grocery store, he said. However, some stores will not be taking returns, which you can check out here. This means that we may include adverts from us and third parties based on our knowledge of you. Your statements are stored in 'View statements' on the left-hand side when you log in. I wouldn't bother trying to disinfect money. Remember, if you don't want your rate to change you can get in touch with us to close your account on your existing rate, but you won't be able to spend on your Argos Card again. We have a couple of Direct Debit options for you: Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? If it's not on your statement then it's not set up, and if you don't make your payment then you may incur fees and more interest. If you've forgotten your Login ID but you know your Memorable Word, go HERE. Privacy hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions. 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. Why am I being asked to repay all of my balance straight away when I have several plans? 15% OFF. As always you can unsubscribe at any time. For more details and FAQs, please see below. 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. Why is that? We have made bold choices to reduce costs, make Argos and Tu more profitable and resilient, grow profits at Nectar and strengthen . You can get some delivery items installed too, but only washing machines, washer dryers, dishwashers and freestanding cookers. There could be different reasons for this, please refer to your most recent statement. If you can't pay double the minimum each month, paying any amount more than the minimum will help. You will need a valid email on your account, though. 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. Find out more about Persistent Debt here. ), Amending the act will extend liability protection for All COVID-19 vaccines and treatments for which distribution is currently directed by the United States Government., To Siri & Glimstad name partner Aaron Siri, who said his 25-lawyer firm has been contacted by thousands of people who believe theyve suffered serious injuries from COVID-19 vaccines, the need for another avenue for compensation is essential.. I made a payment to a plan but the payment has gone towards a different plan. To keep our customers and colleagues safe there are some small changes that you will notice in store. Can I turn off my paper statements and letters? You can - just enter your Card number and expiry date from your final Argos Card. 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. How can I pay for my item? Pubs, bars and restaurants are closed but they can serve takeaways -find out what your favourite food chains are doing. Touch device users, explore by touch or with swipe gestures. 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. (Please ensure that you provide all of your details relevant to your Argos Card account). Screen for heightened risk individual and entities globally to help uncover hidden risks in business relationships and human networks. In Wales - from Monday 12 April, all Argos stores and Argos stores inside a Sainsbury's supermarket are open as usual. What should I do? If you are experiencing financial difficulties or can no longer afford to make your increased monthly payment, please contact us on 0345 601 0798 so that we can help you. You should also cancel this with your bank. Can I change my Direct Debit from Minimum Payment to Full Statement Balance or a Fixed Amount in the future if I need to? Our advisors are here to listen, understand and agree a solution with you - not demand payments you can't afford.