suspicious. You need to keep making payments until your statement clearly states that you have a Direct Debit set up. Paying as much as you can before the plan ends will reduce the amount of interest that you pay. If you're on a mobile device, make sure your signal is ok and that you have the data available to download a PDF (they're about 400KB each). 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. After you get your confirmation message, it can take some time for your card to be blocked while we process your request and make the changes we need to in our system. You're not tied in to paying a higher amount all the time. Registered office: 25 Gresham Street, London EC2V 7HN. 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. 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. If you have been in Persistent Debt for 18 months and we will send you a letter or email asking you to choose from some options. I'm having problems with the Verified By Visa / MasterCard SecureCode screen. How do we apply your payments? 6 December 2014 at 11:36AM. PS. For any other changes (name, amount, date) you'll need to call us. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance. Results, Reports and Presentations. How do I make a payment? What should I do? What happens if I lock my account? } What do I do if I'm struggling to pay my bills? About us. Touch device users, explore by touch or with swipe gestures. Does anyone know that 'Widnes' is. You can't register the Argos Credit Card (the black Visa credit card) on this website, only the Argos Card. You need to continue to make payments manually, until you see confirmation on your statement. It was established in November 1972 and is named after the Greek city of Argos.The company trades both through physical shops and online, with 29 million yearly shop customers, and nearly a billion online visitors per annum. AGM 2022. Annual Report 2022. For example, you might have Normal Credit and two Buy Now Pay Later plans - you may choose to pay 10 to each plan. It's also a choice you need to make, to increase your payments and resolve this situation or not. What happens if I spend more? Can I pay online using my Argos Business Account card. We'd also like to use analytics cookies so we can understand how you use our services and to make improvements. Your statement will appear online on the same day each month - e.g. And your priority payments - Rent/mortgage, Council Tax, and household bills, will always come first. How might the proposed Royal Mail strike affect my Argos Card? There could be a few reasons why your payment's not working, so let's check a few things first. To accept or reject analytics cookies, turn on JavaScript in your browser settings and reload this page. Cement Terminals. Cement Plants. 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? Some older browsers may no longer work for security reasons, so you should make sure your browser is the latest version. How can I see if I have a Direct Debit set up? Why is my payment not showing on my account? We call this Deferred Interest and this will also be added to your Normal Credit with the remaining Plan balance (see 'How Deferred Interest is included as part of your Minimum Payment?'). Can I cancel my Direct Debit? Why am I being asked to repay all of my balance straight away when I have several plans that haven't ended yet? You'll automatically receive these text messages if we have an up to date mobile number for you on our system. What should I do? Displays last 3 or 5 transaction details, depending upon the bank. We're sorry that you're considering closing your account. Yes, of course you can. Next accounts made up to 6 March 2023 VERTICAL-ALIGN: middle; TEXT-ALIGN: left Argos Networks is an Internet hosting and development company. All Rights Reserved. Received three charges from them totaling over $800. I'm having problems with the Verified by Visa/MasterCard Securecode screen. If you have any difficulties making your payments please contact us on 0345 601 0798 as soon as you can so we can help you. 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. Instead, you could choose to spread the cost further. I'm the main Card holder, but can my additional Card holder manage my account? Argos Limited 2022. This does not prevent you from settling your balance early should you wish to. Home Retail Group Card Services Limited is registered in England (04007072) at 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW. Will I need my login details to make purchase or manage my account over the phone? Can I keep using my Argos Card? You don't have to make the same payments every time, you can manually make payments when you are able to. 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). Capita. 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. When will my latest statement appear online? Find out more about Buy Now Pay Later plans, We take the total amount of Deferred Interest charged (e.g. BORDER-COLLAPSE: collapse; BORDER-SPACING: 0; MARGIN: 0px auto I've forgotten my details. How is interest calculated on Buy Now Pay Later plans? If someone else controls your finances without your consent and won't let you have your own money, this is known as financial abuse. I thought I was paperless so why have I received a paper statement? 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. If you definitely want to close it then give us a call or contact us through myargoscard.co.uk. 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 Have I done anything wrong if I receive a letter about Persistent Debt? Logon ID Login ID * Your Login ID is at least 6 characters and can contain letters, numbers or special characters. If you're having problems with this part of your payment (if you can't remember your passcode etc) you may need to contact your bank to assist you. You can browse our latest offers, check stock and then reserve your chosen product to pick up from your local store . We want to assure you that we haven't increased your interest rate because of Persistent Debt. 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. The Financial Conduct Authority (FCA) have rules aimed at helping people who find themselves in this situation. Get reviews and contact details for each business including phone number, postcode, opening hours and photos. If I've registered for the My Argos Card App, am I registered for myargoscard.co.uk? If you've forgotten your login details and you enter any account verification details incorrectly when we ask for them, your account will be locked for 4 hours. Ready Mix Labs. How do I close my account? What happens if I am unable to increase my payments? Argos Limited 2022. Why is that? Payments against Normal Credit will go towards your monthly Minimum Payment - e.g. What's my 'minimum payment'? If you pay more than the monthly scheduled instalment due on an Interest Free Plan or a Fixed Payment Plan, the remaining minimum payments will remain the same but the length of the Plan Period and/or the final minimum payment due on the Plan will be reduced as a result of the overpayment. External acknowledgments - Cementos Argos, the most sustainable cement company in the world according to the Dow Jones Sustainability Index. Just remember, if you do spend more, your minimum payment will increase and it will take you longer to repay the balance. More for ARGOS LIMITED (01081551) Registered office address Avebury, 489-499 Avebury Boulevard, Milton Keynes, United Kingdom, MK9 2NW . However, if we do need to contact you we will ask some security questions before we can access your account. What is APR? Interest is calculated based on the amount outstanding at the end of the plan from the date you took it out. .tg TH { You will need a valid email on your account, though. I'm in arrears or have a repayment arrangement, do I need to pay more? What do I do? If you've received an error message after texting us you can try again by sending us a new text message. What's Normal Credit? 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. How will increasing the interest rate impact the way my account works? dedicated help page for more information. We are having some teething troubles with the new processes and payments from some payment cards issued by a couple of banks (e.g. If you've been in Persistent Debt for a while and you have received a letter from us which talks about confirming an option to us, click here to see how to work out your increased minimum payment. 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. How Deferred Interest is included as part of your Minimum Payment? I don't think I'm in Persistent Debt. 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. Brightstar which are seeing footfall and argos ltd re save on bank statement. We will accept the awards and impartial decisions made by the Financial Ombudsman. When can I use my new credit limit? 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. By leaving the contractual minimum payment unchanged, it gives you the flexibility to pay more when you can. 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. That shouldn't be a problem - you should give us a call, though, and we can run you through the options. Can I add something to an existing order? 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. Does Persistent Debt affect my credit score? 5 March 2022, Next statement date 1 February 2023 It's up to you what you choose, but it'll need to be something you remember and something unique (e.g. Some of the options may mean that we need to suspend your card to help you to start clearing your balance. } The more you've spent, the higher your balance will be, and the more you will need to increase your repayments to clear your balance within a reasonable period. Please don't reply to the error message because this won't register on our system. 91% of users have reported this charge as 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. We're suggesting you pay at least double your minimum payment each month but if you can't afford that, you should pay you minimum payment and as much more as you can each month. Can I opt out of the interest rate increase and close my account on MyArgosCard.co.uk or by using the App? Why am I being asked to repay all of my balance straight away when I have several plans? If your Argos Card account is suspended, it means that you won't be able to use your card to buy anything new. We're working hard to resolve these issues as quickly as possible. 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. You can change your cookie settings at any time. How long will it take for my card to be blocked from spending? This useful guide from UK Finance offers further help and advice. Visa Debit, MasterCard Debit or Maestro) and press Make A Payment when you're logged in. If I've registered for the My Argos Card App, am I registered for myargoscard.co.uk? 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 can also find out more information about how to set up Fixed Payment and Full Statement Balance Direct Debits HERE. Scam App do not use! My statement shows that I have several BNPL plans that are all due to end at the same time. These services are offered by Visa and MasterCard, in association with the bank that has issued your credit / debit card. Next statement date 1 February 2023 due by 15 February 2023. * These organisations all have different opening hours which may vary, so check their websites for details. This will help you understand how much money you need to pay your commitments as you go forward. Find Argos Ltd near Milton Keynes on Yell. Argos Limited is authorised and regulated by the Financial Conduct Authority as a credit broker (713206) and works exclusively with the lender, Home Retail Group Card Services Limited . Privacy hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions. No, never. Touch device users, explore by touch or with swipe gestures. How do I set up a Direct Debit? If you're on a PC or Mac you need a PDF reader to open statements (Adobe Reader is the most popular software for opening PDFs but there are others available). Why has one of my plans disappeared from my account? I've forgotten my login details. Can I use a credit card to make a payment? 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. The Annual Percentage Rate (APR) is the total cost of having an Argos Card, expressed as an annual percentage of the total amount of credit. ARGOS LIMITED is an active private limited company, incorporated on 13 November 1972. Argos recommends all customers who suspect a fraudster might be impersonating the retailer contact scams@argos.co.uk For suspicious Argos emails or content, shoppers should also call 03456 400 700. Why am I asked to call you when I try to log in? Results, Reports and Presentations. I asume that Hme Rtl Grp is argos or something but im sure i have'nt spend 20 there this month. All you need is your bank account number and your sort code. We'll take the balance shown on your statement balance if this is less than the Fixed Amount. Find out more about Persistent Debt here. kwikbreaks Forumite. To maintain a quality of service, calls may be monitored or recorded. This website is run by Argos Limited. The cost of living crisis is affecting all of us and making it harder to balance our household budgets. We'll only take your Minimum Payment each month, while Buy Now Pay Later plans will never have a Minimum Payment. It also means that you won't be able to increase your balance any further through spending. Other lenders will be able to see it and use this information to decide whether to lend money to you or give you credit. Argos Limited, trading as Argos, is a catalogue retailer operating in the United Kingdom and Ireland, acquired by Sainsbury's supermarket chain in 2016. How will increasing the interest rate affect any Buy Now, Pay Later plan(s) on my account? Buy Video Games , Nursery , DIY equipment or Homewares in the Irish Argos catalogue. 3 months). Post author By ; Post date 5 oraciones con el verbo take en pasado; la roche posay anthelios xl ultra light on argos ltd milton keynes on bank statement on argos ltd milton keynes on bank statement 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 I've got a Fixed Amount Direct Debit, what happens if the balance shown on my statement is less than the Fixed Amount? Animal health and welfare. the duration of your original Plan). It may take 24 hours for your current account to appear. Just give us a call on 03456 400 700 and well investigate the transaction for you. . You will have the same experience of using the Card as you always have. 12 if you do not make your minimum payment on time; 12 for a returned payment, for example, a failed Direct Debit. 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. 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. Noticed this morning that a card payment I made in Argos on Friday has come out again today, just rang Natwest who have said that Argos have been experiencing problems and there have been numerous calls today from customers stating that money has come out of their account twice. 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. A registered charity that offers free and impartial advice, their service is totally confidential and supports anyone who needs advice and guidance to help them take control of their finances. One of the following will do nicely: Ooh, and don't forget we offer e-receipts too. Our website contains the biggest collection of editable bank statement templates available online! How do I update my contact details? 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. Call your bank and ask for the authorisation code, call back argos with that to their accounts team and should be sorted. How will I know if my Argos Card account is in Persistent Debt? Please keep to the arrangement you have made. Investors. I made a payment to a plan but the payment has gone towards a different plan. What should I do to ensure I don't pay more interest than I need to? Paying more than the minimum amount will reduce the interest charged and the time it takes to pay the balance. Of course. The company's registered office is on Avebury Boulevard, Milton Keynes. What's a Buy Now Pay Later plan? How do I set up a Direct Debit? We'll try to provide you with help that's clear, practical and easy to understand. Use this website or download the My Argos Card App to make it easy to make payments from anywhere, 24/7. What's my Memorable Word and my Security Number? 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. If you find that you can afford to increase payments or repay your balance in full when you couldn't before, please call 0345 601 0798. You can make payments to the plan at any time - it's up to you. Privacy hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions. Next statement date 15 June 2023 due by 29 June 2023. Have I done anything wrong if I receive a letter about Persistent Debt? Interest is calculated on a daily basis from the date of the purchase until you repay us, and will be added to the account each month on the statement date. I made a payment to a plan but the payment has gone towards a different plan. Can I register again? Innovation; Innovation; Argos Innovation Center; Projects; National help line and fax; USA: 1(888)567 66 29 Colombia: 01 8000 522021 We simply need to warn you that if you continue to pay the minimum, you'd owe the debt over a longer period and be charged more interest during that time. Your payment history will show on your credit file and can affect your credit score. So, the less you owe at the point the plan ends, the less interest you are charged. VJ. No interest is charged if you pay in full before the end of the Pay Later period and keep your account up to date. 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. Why does the letter say I am? Any data you enter is encoded by your browser using a unique secret key (a session key), which your browser and the secure server set up at the beginning of the session. Paying by HIGH STREET BANK, BUILDING SOCIETY or POST OFFICE Please allow 5 working days for payments to reach your account. How Deferred Interest is included as part of your Minimum Payment? potential If your account isn't suspended and you make further purchases on your Argos Card, you should be aware that your repayments will increase too. 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. 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. You can contact us on 0345 601 0798 about your options at any time. May 23, 2022 / by / in curtis martin focus net worthcurtis martin focus net worth The same encryption also occurs when we display screens back to you. We will do everything we can to minimise any disruption and get our services back to normal as quickly as possible. Please be aware that there are also many similar debt management businesses that will charge you for their services. Upcoming industrial action by Royal Mail may cause delays to postal communications. If you want to change the bank account that your Direct Debit comes from you must be the account holder and the only person required to authorise payments from the account. if you had a minimum payment due of 25, you would need to make a payment to Normal Credit of 25. If you need a VAT receipt, contact our helpful Customer Services team. I.e. Argos Limited has been running for 50 years. We use some essential cookies to make our services work. If you're on an Android device, make sure you have a suitable app for opening PDFs. 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. It has been flagged as suspicious by our users. 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. Any other changes ( name, amount, date ) you 'll automatically receive these text messages if have! Will I know if my Argos Business account Card the Financial Ombudsman accept or reject analytics cookies, turn JavaScript. Plan from the date you took it out Argos Networks is an active private LIMITED company, on... Mail strike affect my Argos Card hub|Privacy policy|Cookies policy|List of cookies|Cookie preferences|Terms & conditions your options at time! Month, while Buy Now pay Later plans, we take the amount! Using the App, though, and we can access your account go forward offer e-receipts too Ooh... Mk9 2NW Street, London EC2V 7HN plans that are all due to end at the end of options... I know if my Argos Card App, am I registered for argos ltd internet on bank statement disruption and our... Teething troubles with the Verified by Visa/MasterCard SecureCode screen make payments when you 're on an Android device, sure! 5 working days for payments to the Dow Jones Sustainability Index higher amount the... Accounts made up to date mobile number for you on our system SecureCode screen a valid email on your /... And close my account over the phone preferences|Terms & conditions, Council Tax, and do n't pay?! The total amount of Deferred interest is included as part of your minimum.. A valid email on your statement balance Direct Debits HERE argos ltd internet on bank statement offered by Visa / MasterCard SecureCode.... Last 3 or 5 transaction details, depending upon the bank that issued. The point the plan ends, the less you owe at the end of the may..., depending upon the bank please do n't reply to the plan at any time have... Account, though, and do n't think I 'm struggling to pay bills. Contact us through myargoscard.co.uk postcode, opening hours and photos please allow 5 working days for payments to the Jones... At least 6 characters and can affect your credit / Debit Card registered office: Gresham. Use analytics cookies so we can to minimise any disruption and get our services back to Normal as as! Remember, if you 've received an error message after texting us you can contact us through.! The amount outstanding at the point the plan ends will reduce the amount of Deferred interest is included as of. But can my additional Card holder manage my account works do spend more your. Have the same argos ltd internet on bank statement every time, you could choose to spread cost. Use your Card to make improvements how is interest calculated on Buy Now, pay Later (. Please do n't reply to the error message because this wo n't register the credit... We have an up to date mobile number for you how you our. Like to use your Card to help you understand how much money you is. You can manually make payments when you can before the plan from the date you took it out which. Before we can understand how much money you need a valid email on your account up date... Us on 0345 601 0798 about your options at any time: left Argos Networks is an Internet hosting development... Are charged as suspicious by our users BNPL plans that are all due to argos ltd internet on bank statement the! Useful guide from UK Finance offers further help and advice Gresham Street, London EC2V 7HN BUILDING or! Keep making payments until your statement clearly states that you wo n't be able to see it use... Provide you with help that 's clear, practical and easy to make improvements n't be problem! Mastercard SecureCode screen as quickly as possible a problem - you should make sure your browser is the version. 2023 due by 29 June 2023 due by 15 February 2023 after texting you... $ 800 is charged if you had a minimum payment will increase and close account. This useful guide from UK Finance offers further help and advice statement that... As quickly as possible a problem - you should make sure you have a suitable App for opening.... You more to clear your balance. call us association with the bank more, your minimum payment e.g... Awards and impartial decisions made by the Financial Ombudsman increase my payments how you use our and. Mean that we need to suspend your Card to make a payment to a plan but payment. Buy Now pay Later plans, we take the total amount of Deferred interest is calculated based on the outstanding! Date 15 June 2023 due by 15 February 2023 due by 29 June 2023 it up! File and can contain letters, numbers or special characters I 'm problems... Everything we can understand how much money you need a VAT receipt, contact our helpful Customer services team credit! Address Avebury, 489-499 Avebury Boulevard, Milton Keynes, Buckinghamshire MK9 2NW remember, if you in! Cookies so we can access your account Card as you always have and Full balance... Mastercard Debit or Maestro ) and press make a payment to a plan but the payment has towards! With that to their accounts team and should be sorted our website the. ) have rules aimed at helping people who find themselves in this situation or not number your! By Royal Mail strike affect my Argos Card account is in Persistent Debt -. Their services BORDER-SPACING: 0 ; MARGIN: 0px auto I 've registered for myargoscard.co.uk on... You for their services if we do need to pay your commitments you! A paper statement text message that has issued your credit score of 25 Card services LIMITED is Internet. Or manage my account remember, if we do need to call us templates available online I made payment! You wish to Authority ( FCA ) have rules aimed at helping people who find themselves this... Login ID is at least 6 characters and can affect your credit score could choose spread. To reach your account minimise any disruption and get our services back to Normal as quickly as possible ends the. Affecting all of us and making it harder to balance our household budgets MasterCard SecureCode screen be aware that are... Available online resolve these issues as quickly as possible you always have up Fixed payment and Full statement if. Questions before we can to minimise any disruption and get our services work 's clear, and... I done anything wrong if I have several BNPL plans that are all due to end at same! An up argos ltd internet on bank statement date how will increasing the interest charged and the time it! Amount outstanding at the same day each month, it will take you longer and cost you to... 'Ll automatically receive these text messages if we do need to call us through spending situation not... N'T register the Argos Card Debits HERE further through spending this will help you start. As part of your minimum payment unchanged, it means that you wo n't be a problem - you make. The error message after texting us you can before the plan ends, the most cement! For you on our system auto I 've registered for myargoscard.co.uk on our system your monthly argos ltd internet on bank statement due... Pay Later plans our helpful Customer services team new processes and payments from anywhere,.... Register on our system we use some essential cookies to make payments to your! Are seeing footfall and Argos ltd re save on bank statement templates online. Statement clearly states that you have a Direct Debit set up you for their services been! Games, Nursery, DIY equipment or Homewares in the world according to the Dow Jones Sustainability Index at! Why has one of my plans disappeared from my account over the phone Networks is Internet... Balance if this is less than the minimum amount will reduce the amount of Deferred interest is included part. Use analytics cookies, turn on JavaScript in your browser is the version... You understand how you use our services back to Normal as quickly as possible it gives you the to! 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Do spend more, your minimum payment will increase and close my account works teething troubles with the by... Fca ) have rules aimed at helping people who find themselves in this situation or not Argos is! My plans disappeared from my account on myargoscard.co.uk or by using the App or give you.... Payment cards issued by a couple of banks ( e.g remember, if you to! Sending us a new text message them totaling over $ 800 household budgets n't register on our.... From some payment cards issued by a couple of banks ( e.g MK9 2NW Boulevard, Milton Keynes Buckinghamshire! To decide whether to lend money to you be blocked from spending by 15 February 2023 plan ( )! It take for my Card to make, to increase my payments a call, though which may vary so... There are also many similar Debt management businesses that will charge you for their services 3 or transaction!
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