hi its me again. well I am still receiving interest and charges despite writing a letter to the effect of getting them stopped. Very's reply to the spreadsheet, etc. was that the charges were applied accordingly and would not wave them, nor the interest, so therefore i am back to square one, with a total amount now nearer £500 !! It is affecting my credit rating now and i am just wanting this out of the way..

no, its their reply to the spreadsheet and attached letter requesting charges to be re=imbursed. never sent letter before action. ta

Hi, I received a letter from Shop Direct stating that the late payment fees have been justly applied to my account as I had failed to maintain payments??!! Therefore they are unable to uphold my complaint and refund admin charges and interest charges. If i am not happy with their response I can contact the Financial Ombudsman Service?? What do I do next ?? In the meantime, I am still getting charges for 'insufficient minimum payment' and as a result my balance is increasing again. ... feel as though i am going round in circles. I am still unemployed and therefore cannot afford what they are wanting per month..

Hi I sent the spreadsheet and letter and the only correspondence I have had back is yet another letter with yet another £12 charge. Also a letter stating that the payment I sent was unacceptable. (I also sent a letter saying that I would pay them £20 a month for the next 6 months). What do I do now..

,Thank you. will get this done and sent today. many thanks.

its a bit more than the total. Am i right in saying that the charges had interest on them according to the spreadsheet? I just copied and pasted a completed spreadsheet and amended it according to my own dates/charges.

Hi, I managed to complete spreadsheet. What do I do now? Many thanks. J

Hi. I can't seem to open the spreadsheet.

hi, i sent the SAR and have now received all of the data. What do i do next ? thanks

Thank you, have been ill so only got sent today.. fingers crossed...

hi, thanks.. do I send the SAR? via normal post or email it? and how do I pay the £10, ? (sorry, not sure what to do). Thanks again. J

hi I don't have them all u unfortunately. I have had this account for a few years now but placed the order in feb 2011 for the item related to the current debt. thanks. J

Hi, i am new to this site and unsure what to do. I really need help with a catalogue debt i have with VERY Ltd. I have been paying this debt for almost 2 years and it still hasnt cleared, infact it has only gone down about £90 from the total balance. I have been issued with numerous charges for late payments, minimum amount payments, letters, etc.. you name it, yet i had set up a payment option??? Also the amount of interest added is phenomenal. I am unemployed and am at my wits end. I feel as though I am never going to get this payed off. Please help !!!!!!