Hello,

Bought a TV from Very.co.uk 06/01/18, statement shows £559 for TV and £6.99 for Delivery

Account starts with 1p in credit (from last order)

Statement produced 03/02/18 says £5 due 23/02/18

With estimated interest of £0.41 based on payment balance of £6.98

Payment made 21/02/18 of £56.60 by card on the website towards the TV

Statement produced 03/03/18 says £7.43 overdue

Payment due by 23/03/18 actual interest £0.45

Estimated interest for next time £0.00

Standing order of £56.60 paid 05/03/18

Statement produced 31/03/18 says £0.00 due

Shows payment made 05/03/18 of £56.60

Shows £49.17 has been allocated to your BNPL items on 05/03/18.

Leaving £7.43 to be allocated to the postage.

Sometime in March I called Very to query why there is a payment due as I had selected BNPL for 12 Months at the time of order and I had made a payment of £56.60 on 21/02/18 before it was due.

I was told the payment is for the postage, there was a discussion about recent payments where they said, because I had made the payment online 21/02/18 and allocated it to the TV they couldn't allocate it to the postage, so I asked for the most recent standing order 05/03/18 to be used to pay the late postage, thus clearing the late payment.

Move on to today 15th May, my credit file shows a late payment for the delivery costs.

It appears they have one credit order from me which includes delivery, but they have then taken a payment towards the TV but have split the delivery costs out. My understanding the whole way through the order was the TV was on credit, not the delivery, so how can this be marked as late if the payments were up to date?

What do you think?

well it wont be hurting your file very much anyway..

well it wont be hurting your file very much anyway..

Very true, it is the only negative thing on there.

It's always worth appealing to them, I know that much, but do you have any tips? Is there any documents out there that says, whilst it needs to be a true reflection, compassion can be applied...

Very true, it is the only negative thing on there.

 

It's always worth appealing to them, I know that much, but do you have any tips? Is there any documents out there that says, whilst it needs to be a true reflection, compassion can be applied...

Write to their Data Protection compliance officer with a copy of your credit file saying that the data they have processed regarding a late payment is not accurate and demanding it is corrected or a complaint will be escalated to the ICO.

Write to their Data Protection compliance officer with a copy of your credit file saying that the data they have processed regarding a late payment is not accurate and demanding it is corrected or a complaint will be escalated to the ICO.

Thanks, I'll get my report "printed" and sent over.