should I refrain from.contacting them or contact them via email with the same message I sent very? they completely ignored my offer of 20 quid a month for 6 months and just told me my debts been handed over, though on the letter it said to stop that happening contact very before the 28th (they forwarded it to correct department on the 26th)

I contacted very and in the time it took for them to reply to my email the deadline passed and they simply replied with 'sorry your debt has been passed to nationwide debt recovery' and that is all they said after 3 days waiting! not sure if that refers to the arrears or the.entire debt, said I must contact them

thanks, the charges on the account are payment not received charges for the most part, the others are I think when the minimum wasn't paid, IE, payment received £20. purchases, charges and adjustments = £3.77 (interest?) the latest fee being £28.84 for payment not received, would i have to send it as a latter or would an e-mail to Very suffice? i could send a letter 1st class recorded but that'd be the only hope I have on getting it there before the 28th I have 40 online statements, but can only view back to statement 28

Hi, I opened a very account first of all just to take advantage of an offer they had really, at a time of need I stupidly got a few things for a friend who promised to keep up the repayments etc etc, this hasn't happened and they pay a bit here and there - have been getting the amount owed down recently-ish but now the arrears alone are up to £72. I got a "pre escalation" notice through today saying my account is in arrears by £72.86, and it's my last chance before they hand over my debt to Nationwide debt recovery LTD. this is a final demand supposedly, I haven't got any money to pay it and an unemployed so brasic, and neither does the person who owes the money to pay that much in one go - they said they can pay £20 next week but they want £72 by the 28th of this month before handing it over to the nationwide debt collectors. before this have previously been hit with £8/£12 late payment fees for missing the minimum payments. in total on the very site my outstanding balance i owe them is £256.69 with the next statement on the 27th of this month. I have no house phone or credit on my mobile to ring them as they so demand, which i wouldn't want to do anyway, but apparently they can sort out a "payment plan" but I 'MUST' phone them. any advice would be greatly appreciated, apart from the don't buy stuff for other people lesson i've already learned. another thread i've read on here whilst googling says to send them a letter (not sure if time before they hand over the debt) or an e-mail telling them how much I can pay (the other person in this situation) cheers guys, am also looking through other threads involving very now - just wanted to get this posted