Hi everyone!

I fell into arrears with my Very account simply because those BNPL charges hit rather costly, which in turn made my monthly installments reach a whopping 200+ per month.

I politely contacted them around a year ago and after many back and forth telephone calls and emails managed to agree a year payment plan of £70.

I haven't missed a payment since setting this up,

this morning I received two letters on through my door.

The first being one demanding a payment in full of a staggering £489 arrears payment followed by the same for the foreseeable future.

The second was a letter telling me my payment reached them a day late,

how and why this happened I don;t know, as I pay this every month at my local post office on the exact same day, and this has never arisen before now!

I'm both letters arrived on the same day, so even if I had the spare almost £500 floating around I wouldn't have had time to correct the problem at hand.

I'm really not keen on calling them, as every time I have done in the past they are very rude and rather obnoxious with me, and I find myself getting passed from pillar to post with little to no resolution being offered at the end of it for my efforts.

What can I do legally and what are my rights to correct this matter?

As all I want to do is make them a sensible offer and get this debt paid up without the threats and nasty letters arriving through my door.

My wife wittles frequently about this matter and I would like to help sort this out.

Thanks in advance for any help you may have, It's all very much appreciated.

The most important thing is to keep on making payments. Make your regular agreed payments – even if they say they don't want to accept them any more. This is essential. If there is any problem about paying then see if you can make a direct payment into their account – though presumably this is what you are doing and I can't see that they can prevent you.

Secondly, I would suggest that you write them and take a firm stand and tell them that you don't accept that the money arrived a day late. Tell them that you are quite certain that it is their account recording process that no doubt has stumbled because of the bank holidays over Christmas. I think that you have to stand firm on this. What is happening here is that they have an instalment plan which they are not really happy with and of course they are looking for a chink to say that you have breached the plan and so therefore they are entitled to vitiate it completely.

Tell them in your letter even if they have recorded the payment as having arrived late (use this wording), this would not amount to any breach of the instalment agreement and that you intend to keep on paying the instalments as agreed and that if they try to take any action to alter the instalment agreement, that this will be seen as a breach of your arrangement with them.

Who is it who provides the finance for this company?

all part of the shop direct group

how many arrears fees have you been charges {late/over/letter?]

have you all the statement from day one?

if not get an sar running to them

might be an idea to total these penalty charges up

and look for any stupid insurances they are charging too.

they are all reclaimable at their int rate!

pers id take control of this situation

and STOP USING THE PHONE!!

Thanks for your reply Fodder.

I'm going to continue to make my payments as agreed, regardless to their stance moving forward.

Am I better to contact them via email or by post?

The reason I as is because emails can be saved much easier for later reference.

They are a total nightmare of a company to communicate with, as they like to do everything via phone, which I hate to do for one, and the nearest phonebox to where I live it almost an hour away.

I'm not entirely sure who provides finance for this company, although I know that both Very.co.uk and Littlewoods.com are under the same umbrella.

Well if you do use a phone, then make sure that you record your calls. Read our customer services guide and implement the advice there.

Also, I suggest that you respond to the questions asked above by site team member DX100UK as he may well be able to steer you through this problem in a way in which you eventually come out a winner.

I'm not sure how far back my statements will go, although I believe most of these are manageable online via their website.

I haven't logged into my account for some months as they seem to log when I'm active on my page.

But I do know I was hit with a ridiculous amount of late fees/charges when I made contact with them last year right before I lost my job to explain I couldn't meet my payments.

All they seemed interested in was getting me to make contact with a debt agency for advice, although I stressed I didn't wish to do that, as it was only them I was struggling to pay.

I take it the phone is a huge no go then?

I really don;t like to make contact with them, as I end up confusing myself after being passed around from one department to another with little to no help with the matter at hand.

Thanks for your response!

writing only from now on please

a catalogue debt is VERY [pun intended] lowlife and bottom of the pille debt

send them this:

http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-£1-token-payments-for-X-Months-**Correct-as-at-October-2013**

then when they fail

send this:

http://www.consumeractiongroup.co.uk/forum/showthread.php?387359-Creditor-Refusal-of-£1-token-payment-proposal-**Correct-as-at-October-2013**

pers I like the following letters...

but that my preference..

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

http://www.consumeractiongroup.co.uk/forum/showthread.php?387358-Request-to-make-£1-token-payments-for-X-Months-**Correct-as-at-October-2013**

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.http://www.consumeractiongroup.co.uk/forum/showthread.php?387359-Creditor-Refusal-of-£1-token-payment-proposal-**Correct-as-at-October-2013**(1-Viewing)-nbsp

as above send them an sar to get all the statements in paper form.

don't be afraid of DCA's either

THEY ARE NOT BAILIFFS!!

Thanks ever so much for your help a guidance dx100uk,

This has been a testing day as my wife stresses like crazy when it comes to not paying our bills on time and hates to fall behind on this account in particular due to worries on the outcome.

It's nice to now that there is help to be had, and I'm feeling really hopeful after receiving the forums advice. I'll get right onto this from tomorrow morning, and in the meantime I'll keep this thread updated with any outcomes that happen.

Love the opening pun by the way! Gave us both a good giggle!

Afternoon! I'm just setting up to send out the first letter but have a few questions.

Firstly, am I able to offer a higher monthly payment if I choose to do so? As I would like this paid off and closed sooner rather than later, or am I best to stick with the £1 plan?

And secondly, am I better hand writing and signing my letter, or printing it off at the library? It's a bit of a walk (just short of an hour) but it's possible if needs be.

Many thanks in advance!

your choice totally

your choice totally

Thank you. May I ask if you, or anyone for that matter have heard of a company called FCA (Financial Conduct Authority)?

I want just searching a few of the finer details on the latest letter Very sent me,

and found a rather strong worded "advice" slip from them in there.

It claims they are an independent company not directly associated with the catalogue,

yet I get the feeling some of there suggestions borderline bullying.

Just want to raise the concern before I go and post my letter first thing tomorrow.

FCA is the Financial Conduct Authority [THe Gov't body]

probably going on about how very claim the FCA say their charges are 'correct' and you cant reclaim them..

...very ofcourse are talking total bull

the FCA said nothing of the sort.

scan that letter up tp PDF please if it worries you.

but REDACT it first..follow the upload guide

That's good to know.

Well, we have sent our first letter which you suggested doing so this morning, s

I guess we have got to sit tight and prepare for them to kick up a stink.

I will keep this post updated and and when anything new happens from here on in.

Thanks again for your time and knowledge! It's appreciated

Evening all.

Just wanted to update this thread with what;s been happening since sending my letter as suggested.

It seems that Very.co.uk are acting as if the mail never arrived and have continued to send me a ton of nasty emails.

One in particular this morning which I haven't opened as it's password locked, which shows I;ve opened it their end when I do.

My question now is,

do I send the second letter now?

Or do I wait?

My bill would be due in a couple of days time,

I am fully intending to make some form of payment.

Any advice here would be greatly appreciated.

Many thank sin advance!

IMO I'd send the second letter now yes, ensure you get 'proof of posting' which is free from the PO counter, and keep that for your records.

As for their emails, ignore them.

And the next payment, simply pay £1 via your online banking, NOT by DD.

They'll soon get the idea.

have you got all the statements?

Yeah, I think I'll do that today then. Thanks for the advice

I have many already logged on my Very.co.uk account.

Today another statement has arrived demanding I pay £493.06 immidiatly before I get charged more late charges of a whopping £23.78!

get reclaiming!!