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  1. Hi All, Been a long time since I've been on the forum but need a little advice if possible. I believe I defaulted with Barclay card back in 2010 but I'm not sure of the exact date. Had personal/business problems back in 2010 (actually before if you see my posts) which ended with me becoming divorced. After this point I "stuck my hand in the sand" and ignored a lot of the relentless letters from them (and others) as the recession had wiped my business out and I had far bigger things to worry about. Over the years I haven't heard much from BC seeing as I'd left the marital h
  2. I had an order of £300 that was not delivered and was issued a refund to PayPal, the item and the delivery charge. Since then, the order has been changed from not delivered to delivered. They are now charging me for the product even though it was not delivered. I have been getting texts on my phone telling me that payments are due but I'm a bit confused as to why this is happening if I was issued a refund earlier. I have not paid anything as of now. What I'm asking is how would I get this cleared up without having to pay anything and are they even allowed to charge me aft
  3. 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
  4. Thought there was something fishy with my account balance on very.co.uk, I contacted customer service this morning. Turns out they've charged me again for a PS4 bundle that I returned last week, as an item was 'missing' (PlayStation Network 365 Day subscription card). Apparently it's in transit back to me and they say they're incapable of advising me until I get it back -- for whatever reason. Of course, no one from Very warned me that they'd charge me again, let alone that they'd be sending it back to me. Not a call, not even an email. Is 'Just figure it out yourself'
  5. Hi All, Looking for some advice and guidance please. I had two accounts littlewoods and very, both had payment protection on them. I run the accounts fine for years and then got into a bad patch financially and couldn't afford to pay them, it didn't help that I was being paid monthly and the statements were 4 weekly. Shop Direct sold the debt to Lowell, I now have a CCJ for the one account. But they piled on a load of charges and interest before they sold the debt to Lowell, and what was a £2k debt between two accounts is now a £3.7k debt. Any advice with this?
  6. Hi everyone, I recently recieved a book from dwp to be reassessed which i filled in sent back with all medical reports meds etc and and then yesterday i recieved a letter from health assessment b-ham with an appointment for 18th oct18. ive been on esa support group now for over 4 years with anxiety and depression plus cant walk so i also get pip high award which has been awarded untill jan 2021. Now i retire on dec 1st this year so less than 8 wks away so my first question is, is it normal to call some-one in for a medical this close to retiring as by the time i had the medical id b
  7. I had an account with Very which was Started 16/10/02 Defaulted 26/08/11 Default Balance £2130 Last payment 02/07/12 The last payment was made through a DMC to Lowell Portfolio Ltd. I received varous letters from Lowells and at some point remember receiving letters from bryan carter solicitors. I ignored them! Then i get a letter from Lowells saying that the account has been returned from the solicitors to them and that as i have not made any payments on my ccj they would be taking action. Apparently BC solicitors took me to court. I
  8. Hi all, I have for the past few months been in dispute with Lowell regarding an old Studio account, now because they now have confirmation of where I live - they seem to have linked a really old account from Cabot (this was an old Barclays overdraft from over 10 years ago) which i'm sure we haven't made contact or payment on for well over 6 - however i can't be 100%. Is there a way of finding out for definite? The first letter went along the lines of 'now we know where you live blah blah - you owe £***'. Two weeks later another letter arrived saying we will accept £55
  9. Hi all. Really appreciate an opinion on next step, if indeed I should even bother. I had a debt with Black Horse which I disputed with them in 2008 approx. I received many letters from various agencies over the next few years, Clarity, DLC, and Lucas, up until 2013. I didn't ring or write to them and certainly never gave them a penny. This became Statute Barred in around 2014. It hasn't been on my Credit Report since about 2014. Out of the blue today I received a letter from Cabot saying they now have my account and list some methods of payment etc'! Love to hear
  10. 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 ma
  11. Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for ou
  12. Hi Guys I had a CCJ entered against me in jan 15. It was entered in default against me as I got court papers late, I could not acknowledge it. I filled form N244 to set it aside. I got hearing date for march 2015. I lost at the hearing and was ordered to pay by the court. I paid all the amount owed next day itself. Now the issue is the CCj is still on my credit file , marked as satisfied. I believe that it should be removed as I paid within 30 days after my applicaion to set aside. If I would have paid within 30 days from Jan 2015, It makes me look
  13. I have purchased an LG tv from Very and it is faulty. I ordered the tv on the 29th October and it was delivered from the manufacturer on the 11th November. It started being faulty a week or so later by the sound going off and then a few days later the screen went blue, no picture but had sound. I rang Very on the 5th December who said it was outside the 4 weeks window to send it back because they count the warranty start date as the order date (29th Oct) not the delivery date (7thNov) and I had to ring the manufacture LG to sort it out which I did and they picked it up on the 13
  14. Help please. My Landlord is being really awkward after I moved out! Here's the background. I moved out on 4th December after my Landlord told me they were giving me notice. A few months ago I lost my job and fell behind with payments, but recently caught up to the point where I owed £400 plus my deposit (£895). The landlord said they were coming to give me notice and so I did what I thought was right and found a cheaper place to live. I was paying £895 per month and found a house for £500 per month. So, I thought this would be ideal as I could keep paying old Landlord back witho
  15. There's no point in whining about them. We know they're ripping the public for all they can, any way they can. 58% rates, 28 day account periods when almost everyone gets paid monthly nowadays. My wife has a debt of £2096 with Marisota and I don't know how much with Very. (She says she doesn't know the password! I'm resetting it.) And a credit card, and who knows what else hidden. She doesn't work, I have to pay everything. I want to work out a prediction of where this will all go unless dealt with now. I can use spreadsheets but I'm not sure how they calculate the min
  16. Hi all, Will be claiming HB with a tenancy agreement dating back to 2011, it's a full 8 page Assured Shorthold Tenancy document, signed by myself, the landlord and witness. All above board and legit. A few questions though; 1) Would the JC likely question this, given how old the document is? I have claimed JSA before during my tenancy but didn't realise I was entitled to HB until now. 2) I would prefer they do not contact my Landlord (unless for a special investigation or some such) as he has previously expressed unwillingness to co-operate (that said he owns a flat
  17. I'm sorry if this is in the wrong section. I checked my Credit report today on Noddle and noticed that a Credit Application check has been run on my maiden name of over twelve years ago, and an address which I haven't lived at for the same amount of time. The check was carried out just days ago. This concerns me as I'm worried someone is trying to obtain credit in my name. The company that ran the check are called Shop Direct. Obviously I will need to contact them, but if I could have people's thoughts on why this may have happened I'd be very grateful.
  18. Hi all joined VERY a few weeks ago and tried for a credit account. Was given a £300 limit and both me and the company signed the agreement. After making my 1st order for wallpaper my order was declined and after I made enquiries was told multiple accounts I replied that was rubbish and then their reply was my application had been declined after further checks. My question is is this allowed? After we both signed credit agreement and also there is a footprint from them on my credit file as well as an OPEN account showing £300. Or is it just a case of being stuck with
  19. Hi all I had a Very Account which was passed onto Lowell Financial and received a Claim Form dated 24th March from their solicitors Lowell Solicitors which I assume are the same people. I then received a letter dated 29th March after the claim was issued that they have issued legal proceedings and I would be receiving the claim against me soon as I failed to make payment or respond to their letter of claim. On 5th March I had a miscarriage and was in hospital since 3rd March and for obvious reasons wasn't well and was recovering, I was given the bad news on 23rd Feb. On
  20. I have just received a letter from DCA Rossendales Collect for £130.15 for PARKING CHARGE NOTICE. I have not committed a Parking Offence and as such have received no notice. The story goes as follows: A year ago my daughter inadvertently drove through the Barrier Free Toll on the M50 south of Dublin in my car. I was a passenger. It is not clear, unless you are a local that you have actually gone through this toll as just a short distance further on there is another toll with a barrier, for which she paid. We travelled through 3 such tolls on our way to Co
  21. Hi guys, Just trying to get a quick heads up as to where I stand legally on this situation with online retailer Very. at the beginning of June I purchased a HP Omen desktop pc for £1200 along with a 32 inch HP Omen monitor. The computer was a reasonable specification, not the top end, but the advert implied that the computer could be easily upgrade, the exact wording was as follows; 'This gaming PC can evolve with you too – with tool-less access to the hardware, you can crank up your gaming power by customising the specification when the time comes.' I understood this to
  22. Hi all, I'm hoping for some advice on how to proceed further with Very.co.uk. I received a broken bed for my three year old son on 22 May (after delivery was delayed a week due to the bed getting lost in the warehouse). Half the parts that hold the slats to the bed were broken and unusable. I immediately rang them - they took the details and said their parts team would send out replacements. I also sent a message via my account at the same time. Having heard nothing I rang them again on Thursday 25 May and was told that the parts had been sent out an
  23. http://www.bbc.co.uk/news/business-40338220 Barclays facing possible fraud charges in relation to Qatar 2008 deal. Given that there may now be a court process that follows, we have to be careful what we say, as public comment can be seen as prejudicial. The only observations i would make is that these allegations follow on from a long list of British Banking issues that have really made London look like a centre for dodgy practices and underhand dealing. The other issue is whether it is possible to put these cases in front of a jury, as i suspect that jurors might have a negative view
  24. Hi I've got 4 catalogues with late charges but thought i would start very claim first, I've sent my sar letter its came back with all sar information for all catalogue 4 accounts. So my questions are, Do i do one claim letter for very, littlewoods, choice, kays. What address do i send letter too. Also should i put interset rate at 24.9% thanks amy29
  25. I have received a Default Notice from littlewoods and very stating that if I don't pay the full amount by such a date then further action may be taken against me, possible court action etc? 6 months ago i had to stop work due to a disability and have been paying £20 per month on each account ( i have two) which is the most i can afford at this point and i am now in arrears on both accounts, one has £600 arrears the other £900arreas . I simply don't have the money to pay them both and thus have only been able to pay £20 per month on each one. Now i am panicking and don't kno
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