We're here to help if you've recently lost someone close to you. 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. Your COVID-19 cash questions answered | CBC News Loaded. 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. 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. Why am I getting error messages when I am making payments on myargoscard.co.uk? Why are you increasing the interest rate on my account? Of course. Most businesses there, from the fanciest hotels to roadside fruit stands, display a QR code a type of bar code that people scan with a smartphone camera to pay with China's dominant . You cannot get conditional registration if a vehicle that complies with the construction and equipment requirements of the Australian Design Rules can be used to . 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. Please contact us if you are having repayment difficulties. National Debtline also helps people to budget and look for ways to increase their income. Your current Argos Card terms and conditions will continue to apply, you'll still receive your monthly statements, and youll need to make at least your minimum monthly payments at your current rate. Help home; Store locator; 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. In England, Scotland and Wales, you can book our installation and recycling service for washing machines, washer dryers, dishwashers and freestanding cookers. LinkedIn. We have extended these policies so that you will have time to make any claims you require once the national lockdown is lifted. 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. 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. 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 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. Please continue to make payments by an alternative method until your direct debit is set up. . BORDER-COLLAPSE: collapse; BORDER-SPACING: 0; MARGIN: 0px auto Absolutely, you can continue to shop online as normal. Why is my payment not showing on my account? If you only have Buy Now Pay Later plans and a Minimum Payment Direct Debit there's no payment to take. Please place and pay for your order online, you can then select home delivery or in-store collection. Please follow the instructions in your letter or email. The funds will leave your account on your payment due date (which is shown on your statement). You can also get these items taken away and recycled, but again on other items this service is paused. How do I update my account? Paying as much as you can before the plan ends will reduce the amount of interest that you pay. We are still offering home delivery for many of our items, including our pre-ordered consoles. What should I do? 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. If you wish to make a complaint you can do so by making contact through any of the channels listed here: We hope to resolve issues as soon as were informed. To date, the CICP has decided a total of 706 COVID treatment-related claims and rejected 97% of them from people claiming a range of ailments such as heart attacks, meningitis, Guillain-Barre syndrome, seizures and death. "So [retailers] need to use their discretion.". 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. I.e. "The buttons on a credit/debit machine would be riskier than cash, because those same buttons are being pressed by the tip of oily fingersand lots of themconstantly," he said in an email. 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. We have a couple of Direct Debit options for you: Will a Minimum Payment Direct Debit repay my Buy Now Pay Later Plans? What browsers will myargoscard.co.uk work on? But it offers a path to aid thousands of people waiting to have their claims heard. Its that winning at all is a long-shot. ARGOS stores are closed due to the third lockdown - but customers can still shop online. In Northern Ireland - from Monday 26 April, all Argos stores and Argos stores inside a Sainsbury's supermarket are open as usual. What's 'Verified by Visa' and 'MasterCard Securecode'? Preliminary Results for the 52 weeks ended 4 March 2023. 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. Your browser is up-to-date. Why has one of my plans disappeared? Box 500 Station A Toronto, ON Canada, M5W 1E6. 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. It shouldn't take more than a minute or two. We monitor the activity on everyone's account each month, so we know when someone's account meets the FCA's definition of Persistent Debt. Why? If the date of the rate change occurs in the promotional period of any Buy Now, Pay Later plans on your account, the Deferred Interest will be charged at your current rate up until the change in your interest rate has taken place, where it will then be charged at your new rate. Just log in and press Direct Debit in the left-hand navigation, then press Cancel Direct Debit. It's also a bad idea to wash older paper bills which, unlike polymer notes, aren't resistant to moisture. View our online Press Pack. With Covid-19, a. If you change Bank account and don't let us know we might be trying to take money from your old bank account. 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. In Scotland - from Monday 26 April, all Argos stores and Argos stores inside a Sainsbury's supermarket are open as usual. 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). The softer the surface the shorter period of time the virus lasts, he said. Theres no allowance for pain and suffering, no punitive damages, no attorneys fees, no public hearings or opinions, no right to judicial appeal. Argos has extended its returns policies to help people in lockdown. It comes as England is in the middle of a coronavirus lockdown that could last until the end . The same encryption also occurs when we display screens back to you. complaint.info@financial-ombudsman.org.uk. As it's revealed fish fingers and baked beans have been wrongly demonised, we reveal where you can find cheapest staples, The simple mistake when moving home that could cost you - including 1,000 fine, Your air fryer is in the wrong place and it could be adding 32 to your annual bills, England is in the middle of a coronavirus lockdown, could be introduced that ban click and collect shopping everywhere except supermarket, John Lewis has already suspended the service, certain rules you need to follow in store when visiting - and there may be some limits on items, find out what your favourite food chains are doing, Independent Press Standards Organisation (IPSO). This useful guide from UK Finance offers further help and advice. What browsers will myargoscard.co.uk work on? We will never ask you for your login details for myargoscard.co.uk. How will I know if my Argos Card account is in Persistent Debt? Shops refusing to allow customers pay in cash due to coronavirus worries Despite it being legal tender, some people trying to pay for shopping with cash are being told it's not an option. Jenna Greene writes about legal business and culture, taking a broad look at trends in the profession, faces behind the cases, and quirky courtroom dramas. Weve updated our returns policy in response to Covid-19. 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. if your statement date is the 17th of the month then it will appear on the 17th of every month. Can't you just increase my minimum payment? When you get in touch with us, we will make a note of which option you've chosen and monitor your account to make sure that you're paying what you need to. 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. See here for a complete list of exchanges and delays. If you don't pay in full in this time, you'll be charged interest. Due to high demand, were unable to reserve items. 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. "As a result, it's vital that the already fragile cash system is not left to collapse completely as the UK's shift to a cashless society accelerates. We want to help. We'll write to you at the end of that period with details of any further action you may need to take. To keep our customers and colleagues safe there are some small changes that you will notice in store. Where can I use my Argos Card? If you're unsure whether or not the Direct Debit is set up, give us a call. In England, Scotland and Wales, there are no impacts to the items we can currently install. Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. Some of the options may mean that we need to suspend your card to help you to start clearing your balance. You can get all the help you need by visiting our Support Site. The amount you need to pay depends on your current situation and how long you have been in Persistent Debt and how much you can afford to pay each month. With recent efforts to limit the spread of germs and reduce contact, a look at how to handle cash during a pandemic. If your query isn't too urgent you can also log into myargoscard.co.uk to send us a secure message. Increasing your monthly payment means that you'll be paying less in interest, fees and charges, and you'll be repaying your balance faster. Still, more than 260 million Americans have received at least one dose of the vaccine, which makes it all but inevitable that at least some will have adverse reactions. If you've forgotten your Login ID but you know your Memorable Word, go HERE. How do I make a complaint? Of the 22 successful claimants 18 of whom are still waiting to hear how much money theyll get almost all suffered inflammatory conditions like myocarditis that affect the heart. Use up and down arrows to review and enter to select. Just log in and go to Change Login ID in the menu. If you don't want to go to an Argos shop in a Sainsbury's store, or you don't live near one, you shouldn't miss out on getting your money back. ", Caroline Abrahams, charity director at Age UK, said: "It's deeply worrying that some older people are telling us that they are finding it so hard to access cash and how worried they are about how they will pay for their shopping, and are concerned their supplies of essentials will run out soon if they have no means of paying for more.". I've forgotten my details. How will Brexit affect the services I receive for my Argos Card? 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. But there is something else you should be thinking about when it comes to payment, said Colin Furness, an infection control epidemiologist and assistant professor at the University of Toronto. } 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. However, if we do need to contact you we will ask some security questions before we can access your account. If your policy expired or is expiring during a lockdown after December 2020, dont worry. Call their free debt advice helpline or visit. How will I know when my Argos Card account is, My Buy Now Pay Later Plan ends soon, and I don't know how I'm going to afford to pay off the balance. No - as the main Card holder, you are solely responsible for managing your account. 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. What happens next once I've confirmed my choice? 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. Due to this, any orders placed for collection to impacted stores may have been cancelled. If you can afford to pay off all the plans then you may want to consider clearing the balances. Customers can either pay for home delivery or click and collect from certain stores across the UK. 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. Please call us on 0345 640 0700 if you need any further help. Despite scientific evidence indicating . Payments made outside of these times will be applied to your account within 3 days. How will increasing the interest rate impact the way my account works? You must pay your minimum payment before the due date each month, which will be at least 25 days after your statement date. "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. Your payment due date and statement date are interlinked, though, so by changing one you'll be changing the other. Please also check our FAQs page in case we've answered your question there. You can get some delivery items installed too, but only washing machines, washer dryers, dishwashers and freestanding cookers. 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. You can contact our Customer Payment Solutions department by letter or telephone. Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. Delivery for small items costs from 3.95 and you can even get same-day fast track delivery on some purchases. In Northern Ireland - In Northern Ireland - from Friday 30 April, item(s) can be returned to any Argos store, in-line with our returns policy. Can I make a payment using my own online banking? If you go over your credit limit you may be charged a 12 fee which is detailed in your terms and conditions. What do I do? ", Get our money-saving tips and top offers direct to your inbox with the Mirror Money newsletter. 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. 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. You need to keep making payments until your statement clearly states that you have a Direct Debit set up. 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.