Argos Debt Help & Advice
Argos payments piling up? You’re not alone. If your Argos card debt is starting to feel unmanageable, we’re here to help you find a way forward.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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Get information today on your available options
Finding It Hard To Manage Your Argos Card? You’re Not Alone
Argos cards can seem like a helpful way to spread the cost, but if a few payments are missed or interest starts building, it can quickly become stressful. What starts out small can turn into pressure you didn’t plan for.
If you’re falling behind or unsure how to deal with rising balances, you’re in the right place. At PennyPlan, we support people every day who are facing the same challenges. We’ll help you understand your rights, explain what options are available, and work with you to find a way forward that feels manageable.
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What Happens If You Don’t Pay Your Argos Card?
Missing Argos card payments can lead to late fees, rising interest, and restrictions on your account. If the balance remains unpaid, it may be passed to a third-party debt collection agency, which can increase stress and negatively affect your credit score.
Bailiffs or court action are not the first steps, but ignoring the issue could lead to further consequences over time. If you’re behind or unsure what to do, the best thing is to take action early.
You can always try contacting Argos directly to discuss a repayment plan or temporary support. But if you’re dealing with multiple debts or need help understanding your rights, we’re here to guide you through your next steps and explore your full range of options.
We Help With Most Debts - Not Just Argos!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Managing Argos Card Debt
If you’re behind on Argos card payments, it may be possible to contact Argos directly and request a repayment plan. Acting early can help stop extra charges building up and may prevent the debt from being passed to collectors.
If you’re also struggling with other debts, or the situation is starting to feel unmanageable, a more structured solution might be a better fit. This could include a Debt Management Plan (DMP), an Individual Voluntary Arrangement (IVA), or a Debt Relief Order (DRO) depending on your circumstances.
Our team will take the time to talk through what each option involves and help you decide on the right way forward based on your circumstances.
How Could An Argos Card Debt Repayment Plan Work
Understanding the options available to deal with your Argos card debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some Argos store card debts potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Argos Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
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Take The Next Step With Argos Card Debt Support
If Argos card debt is weighing on your mind, the first step is simply starting the conversation. Our team is here to listen, offer clear guidance, and help you understand what’s possible based on your situation.
We’ll explain your options, answer any questions, and support you in finding a solution that gives you room to breathe. No pressure. No assumptions. Just honest help, at your pace.
Take that first step toward feeling more in control and get in touch today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can Argos Card Debt Be Included In An IVA Or DMP?
In most cases, yes. Argos store card debt is unsecured, which means it can usually be included in a debt solution like a Debt Management Plan (DMP) or an Individual Voluntary Arrangement (IVA).
These options are designed to make things more manageable by combining your debts into one monthly payment based on what you can realistically afford. If Argos is just one of several debts you’re juggling, a structured plan could help ease the load. We’ll explain how it works and whether it’s the right fit for you.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Argos Card Debt FAQs
Missing a payment can lead to late fees, increased interest, and your account being restricted. If the debt continues to grow, it may be passed to a collection agency and affect your credit score.
Argos store card debt can sometimes be written off through a formal debt solution such as an Individual Voluntary Arrangement (IVA) or, in some cases, a Debt Relief Order (DRO). Eligibility depends on your financial situation.
Bailiffs are not involved straight away. Argos or their debt collection agency would first need to take legal action and obtain a County Court Judgment (CCJ). Support is available well before it reaches that stage.
Yes. You may be able to arrange a payment plan directly with Argos or their finance provider. Acting early can help you avoid extra fees and stop the debt from being passed to a collection agency.
If payments are missed or the account goes into arrears, it can negatively impact your credit report. The sooner you take action, the more control you’ll have over the outcome.
Yes. Argos card debt is classed as unsecured and can usually be included in a DMP. This allows you to repay the debt alongside others in a single, affordable monthly payment.
