Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    Default Very/shop direct

    Hi all,

    A query regarding very online shopping, hopefully someone can confirm my question.

    I purchased an item from very on the 18th of october 2017 on a 12 months buy now pay later basis.

    According to very the full balance was due on the 21st september 2018,
    i have missed this by 2 days (paid on the 23rd sept) and
    i have been charged the bnpl interest,very are not willing to refund the interest.

    I was just wondering whether very have the correct payment due date?

    It doesnt seem right to me, very work on 28 day statement basis.

    Can someone who has been in a similar situation clarify if the payment due date is correct please.


  2. #2

    Default Re: Very/shop direct

    12mts have not expired yet...

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  3. #3
    Basic Account Holder
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    Default Re: Very/shop direct

    Just been reading the terms and conditions on the very website regarding bnpl:

    If the offer does not attract interest during the deferred period the BNPL transaction will be charged to your account on the order date and will become due for payment on the first statement for which the payment due date occurs after the end of the deferred period.

    The BNPL transaction will become liable for interest and payment, but no interest will accrue on the purchase until after the end of the deferred period.
    If you pay the cash price of your BNPL purchase before the expiry of the deferred period, you will not be required to pay any interest.

    My statement date in sept was the 21st, for october it is the 27th, based on the information above, does this still indicate i have not had the full 12 months?


  4. #4

    Default Re: Very/shop direct

    what was the order date...simply add 12mts to that.

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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  5. #5
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    Default Re: Very/shop direct

    Hi,

    An update on this thread, the order date was in fact the 5th sept 2017 so the payment due date was correct. Just a shame i have been charged for being 2 days late..

    Has anyone had any sucess in very reversing buy now pay later interest?


  6. #6

    Default Re: Very/shop direct

    I wold write an appeal to their better nature.

    tell them you budgie had cancer and was in hospital or something alike
    and this delayed your attention.

    dx

    PLEASE REFRAIN FROM HITTING 'REPLY WITH QUOTE' IF YOU ARE SIMPLY REPLYING TO THE LAST POST IN A THREAD..JUST TYPE!!
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Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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