Jump to content


Very catalogue refused my monthly offer - need some advice please


Wizzywoo
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4317 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Sadly like many I have found myself out of a job with 4 young children to look after and bills to pay.

 

I have 3 debts, 2 credit cards which have agreed to set up an affordable payment plan with me and vey catalogue who have refused my offer of £80 to £100 per month.

 

I have received two letters to date from very arrears collection department and finally rang them today to explain my situation and advise my outgoings are more then my income each month , however my family have offered some extra cash to cover the monthly payments needed towards my debts. They can't afford to pay them off but have offered financial help (a few hundred) until I am on my feet again.

Very advised me that they only accept short term payments options and the minimum they would accept was a staggering £250 !!!! As it is the money I would be paying them with would also eventually have to be paid back.

 

They also advised me that they would not set up a payment of £80 to £100 which I offered and would be sending the debt to debt collection agency . I am very worried and not sure what to do and where I stand legally.

 

I was also told the debt collectors would not accept a low payment plan either and could may result in debt collectors coming to my home address.

 

Does anyone out there know what I need to do ?

 

I have these horrid visions of people coming into my home to remove things.

Edited by Wizzywoo
Link to post
Share on other sites

  • Replies 58
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Welcome to the site.

They can not ask you to repay more than you can afford.

They are required to uphold codes of practice and it does not look like they are doing it.

How have they communicated this to you ? it is important to deal in writing only keeping copies and informing them that you do not want to deal by phone.

If they instruct debt collectors after you have made offers of repayment you can afford then it should invite a complaint.

Debt collectors cannot visit your home if you do not give permission or withdraw any permissions.

how old is the account and has there been charges added during the period of the account ?

Edited by MARTIN3030

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

its a catalogue debt.

 

very very low priority

pers i'd pay no more than £1PCM

 

it will be inflated by lots of £12 charges for letters/late/phone/over/its raining

 

all these are unlawful and can be reclaimied

 

as for the DCA threats

 

they have no legal powers to do nowt

 

and are NOT bailiffs

 

so dont fall for the silly threat-o-grams and crap on the phone.

 

they can do nothing to you.

 

stop leaving yourself short

 

no cat compamy ever goes near a court

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thanks for your prompt response and great advice.

 

I have had the account now for a couple of years and I have been paying a large monthly amount (over the min) each month on time up until august when I found myself in a bad financial state. So I owe 2 payments to date and have received 2 statements with a £12 charge for each month (so £24 so far) with another one due.

 

They have also sent 2 letter om very arrears departments asking me to ring them and they would help me.

 

So today for the first time ever I gave them a call to see if they would set up a repayment plan for me

and offered an amount of £80 to £100 .

They refused saying it would be passed on to a debt collection agency they could only take a min £250 per month.

 

I asked why they would not accept a payment that I could afford and they said that they do not deal with long term repayment plans

and that the debt collection agency would chase the money and could mean debt collector to the house.

 

So I will now follow up by your advise and write to the today offing the amount that I can afford to pay the each month.

Should I now make a payment to them ?

 

Thanks for your great advise and help

Link to post
Share on other sites

Shop direct group have a number of associated trading styles including ;

 

Abound

Additions Direct

All In

Bargain Crazy

Brand Quarter

Burlington

Catalogue Bargain Shop

Choice

Empire

Empire Stores

Empirestores

Family Album

Fashion Extra

Gift Box

Great Universal

GUS Home Shopping

Innovations

ISME

Janet Frazer

John Moores

K & Co

Kays

Kays Direct

L X

Ladybird

Littlewoods

Littlewoods All In

Littlewoods All Inclusive

Littlewoods Direct

Littlewoods Even More

Littlewoods Extra

Littlewoods Home Shopping

Littlewoods Money

Littlewoods Shop Direct

Littlewoods Shop Direct Group

Littlewoods Shop Direct Home Shopping

LX Direct

Marshall Ward

Marshall Ward Direct

Peter Craig

Shop Direct

Shop Direct Group

Shop Direct Home Shopping

Shop Direct Money

Shop4free

Shoppers Universe

Shoppers Universe.com

sport-e.com

Stockingfillas

Style Plus

The Collection

Very

Woolworths

Trading Name(s) (Historic):

Home Shopping Retailer

Abound Select Account

Baby Additions Direct

Bevere Collection

Brainwaves

Choice Mail Order

Direct Plus Account

Home,Style And Living

Interiors To Go

Kays of Worcester

Kays Personal Selection

Littlewoods Debt Collection

Make Room

Marshall Ward Assist Account

Priority Reserve

The Complete Kit

Accolade

Baby & Me

Discount 2 Door

Entertainment Express

Everyday Financial Solutions

Insta Cash

Kay & Company

Kays of Leeds

Kays Personal Collection

Morse's

Select Collection

Shop Direct Financial Services

Teleshop

Bainbridges

Bainbridges of Lincoln

Blueprint

Choice For You

GUS Insurance Services

Home Delivery Network

Home Free

Kays Lifestyle

Lillian Vernon

Littlewoods Finance Company

Mccord

Moneyguide

Reality

Reality Group

Style Plus Plus Account

The Money Guide

The Smarter Shopping Company

White Arrow Express

Baldwin & Son (Canterbury)

Butterfield & Massies

Entertainment Direct

GCC Debt Recovery

Great Universal Essentials

Kays Insurance Services

Kit

Optimum Contact Solutions

True Colours

 

 

Holders of Consumer credit licences are required to be compliant with codes of practice,fair business practice,and observe guidelines as set out by the Office of Fair Trading.

 

What I would suggest that you do here now,is to write a letter which says that you are disappointed to be warned that debt collectors could be sent to your address.

That you have acted reasonably in offering a repayment that is as much as you can afford,yet they are demanding a minimum payment which is well beyond your means.

That you believe these actions are breaching Office of Fair Trading guidelines.

That you do not give permission for any third parties to visit your home and this includes Nationwide Debt Recovery Limited which is part of their business.

 

That you expect a reply in writing by 7 days together with a copy of their complaints procedure which is your entitlement.

 

That they duly accept your proposals for repayment or in the alternative you will be making a complaint to Trading Standards and the FOS.

 

You must get yourself back in the driving seat with this-there are lots on the site here to help you.

 

I will move your thread into the catalog forum.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Ok great am on the case. The letter will go out today and thank you .

 

In the meantime if it get sent to a debt collection agency do I also need to write to them offering the same payment plan ?

 

And Can I deal with the catalogue company as the advisor at very said I would need a debt advice centre to act on my behalf .

Link to post
Share on other sites

Demand a reply in writing -if they are minded to refuse and put this in writing (which I am pretty sure they wont do)

Then this will be supporting evidence for a complaint to the regulators.

Providing that you keep your communication lines open in writing-you have absolutely no obligation to deal by phone-so dont be tempted.

If they call you tell them they must contact you IN WRITING ONLY.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

And Can I deal with the catalogue company as the advisor at very said I would need a debt advice centre to act on my behalf

 

This is rubbish -their debt collection is all in house and associated companies.

There is no obligation for you to use third parties to negotiate a repayment plan.

The only thing they can demand is an income and expend sheet to show your disposable income.

 

You do not need third parties -you will just end up paying yet more fees !!

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

Link to post
Share on other sites

Thanks for your prompt response and great advice.

 

I have had the account now for a couple of years and I have been paying a large monthly amount (over the min) each month on time up until august when I found myself in a bad financial state. So I owe 2 payments to date and have received 2 statements with a £12 charge for each month (so £24 so far) with another one due.

 

They have also sent 2 letter om very arrears departments asking me to ring them and they would help me.

 

So today for the first time ever I gave them a call to see if they would set up a repayment plan for me

and offered an amount of £80 to £100 .

They refused saying it would be passed on to a debt collection agency they could only take a min £250 per month.

 

I asked why they would not accept a payment that I could afford and they said that they do not deal with long term repayment plans

and that the debt collection agency would chase the money and could mean debt collector to the house.

 

So I will now follow up by your advise and write to the today offing the amount that I can afford to pay the each month.

Should I now make a payment to them ?

 

Thanks for your great advise and help

 

dont ask TELL THEM.

 

remind them they are NOT a priority debt. end off.

 

and get reclaiming

 

pay them by internet banking site transfer only

do not set up a DD or give card details

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...

if you can get an appointment with a CAB advisor they might be able to help you ..there is no need to pay a 3rd party ..cccs and payplan offer free advice and help as well

 

in the meantime just pay the catalogue comapny what you can affoard .. and not what they are asking for

 

And Can I deal with the catalogue company as the advisor at very said I would need a debt advice centre to act on my behalf

 

This is rubbish -their debt collection is all in house and associated companies.

There is no obligation for you to use third parties to negotiate a repayment plan.

The only thing they can demand is an income and expend sheet to show your disposable income.

 

You do not need third parties -you will just end up paying yet more fees !!

Link to post
Share on other sites

  • 1 month later...

Since my last thread I wrote to very as advised.

 

Shop direct company limited have replied to me today and I am really not sure how to proceed further with them and wondered if any one would mind giving me some advice please ?

 

The letter from Very : says they understand that I have made an offer of repayment however they will not accept it (offered £100 per month which is far more then I can afford anyway but would get help from my parents).

They say if the account goes into arrears that it is policy to pursue the debt via the arrears collection department . That they will only accept any payment offer if it brings the account up to date within 6 months and my offer does not fulfil this.

 

They have told me to contact an external debt management company to get financial assistance . They have also said that they require. Budget sheet showing income and expenditure (I don't work as I have 4 little children to look after but I do receive detain benefits). They also say that they will not accept the budget sheet unless it is completed by a debt management company ( I thought I could fill one in myself and send it).

 

And vey also say they will not hold or remove any interest charges on my account so sadly the account is going higher and higher.

 

Really worried about this now and would ask for some help in replying to this company please.

Edited by Wizzywoo
Link to post
Share on other sites

i have the same problem with very lost my job 4 months ago and could not keep up with the payments offered a lower payment which i could afford they refused so i contacted national debt helpline they have been great (google for number) sent of two letters and budget sheet also been told i can reclaim the charges if not i can take them to court to reclaim plus damages since i contacted nat debt helpline i have slept easier and realised what a bunch of idiots and cowards very is....

Link to post
Share on other sites

Thanks sounds like a similar situation to me I was able to make the payments no problem but my circumstances have changed. I rang vey straight away about it and they were dreadful and threatened debt collectors .

Really stressing me out !

They just don't seem to want to help at all even when I am doing my best to pay them something.

Glad you have sorted them out.

Link to post
Share on other sites

have you contacted nat debtline whatever very says you hold all the cards they will not take you to court and just keep adding £12 charges to you give up and say you will pay what they want i have sent a letter stating that i will be pursuing the £377 to date charges on my account and i have the law on my side how do they expect someone to pay £275 per month on jsa ............idiots

Link to post
Share on other sites

No I have not contacted the national debt helpline but did get a pack sent out from the cccs which has just arrived.

 

I have been paying very only a small contribution each month and the balance is rocketing out of control.

 

Will look through the pack today.

 

I was hoping that I could fill in the budget sheet and send to very with my offer again and had hoped they would play ball but looks like they are going to be very difficult

Link to post
Share on other sites

the main thing is not to let them worry you i was so stressed to start could not eat or sleep all the other creditors (3) had agreed to lower payments but not very send a letter with your budget sheet to them if they do not agree send another asking them to reconsider if they pass it to a debt collection service (which is prob in the room nxt door) dont worry they have no powers they are not bailiffs just send the first letter with another budget sheet to them...also if you are getting a lot of phone calls either write or email to them a letter stating you wish to continue in writting only as you wish to keep a record

Link to post
Share on other sites

i would be very careful about sending out budget sheets

 

they have NO LEGAL RIGHT

to see any of your pers fin details.

 

only a JUDGE can see those.

 

quite honestly.

just pay them a regular [£1 or £5PCM sum]

you DO NOT have to get them to agree to it

just do it bey internet banking

 

they will never go near a court

 

and GET RECLAIMING

 

details are in my sig

 

there has been a major win on charges reclaiming this week

so dont be afraid to reclaim

 

they are coughing up now.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

you dont say anything

 

you TELL THEM

 

they will only be getting £XX for XX mts due to financial hardship

 

this is a GOODWILL GESTURE.

 

to reciprocate, on your behalf

i ask you to freeze any interest and refrain from adding addition charges during my time of needs.

 

should you fail to help me

i will have no alernative but to reduce my offer to £1PCM as i will be wasting my money otherwise

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I would just like to add, i kicked them into touch a long time ago.

You are in the driving seat, you pay them what YOU can afford not what they say!

Dont be bullied by them.

TELL them you will pay them £5/£10 per month (whatever you can afford) and when the ballance of the goods you have orderd is paid off, TELL them they can go and whistle for their unlawfull charges added to account.

Dont get into conversations on the telephone with them, use email or letter.

Just continue making the payments YOU can afford and let them spit their dummy out!!

hello all:-)

Link to post
Share on other sites

Just after posting my last message nation wide debt recovery rang me and i advised them that I could not afford to pay the the arrears that they were asking for and that I could a pay £80 to £100 with help from family. The very unhelpful women on the other end of the telephone advised me that she could not accept that amount and would be passing me on to someone else. That I had 28 days in which to speak to national debt helpline (or similar) so i could contact them with my financial infomation. She also went on to advise me that I would have a default registered against me.

I also asked that all charges be stopped and no further charges to be added to the account as the account was not over it's balance when I first contacted very. they said they would keep adding charges and would not help.

 

To be honest I was taken off guard and wish I had told them to put evything in writing first. Howev I was trying to come to set up a repayment with them.

 

This morning a letter has come through my door advising me that they will register a default within 7 days if I do not pay national deebt recovery limited my full balance.

 

I have not even had chance to reply to very and already someone else is now threatening me.

 

I am just in the process of writing back to the nationwide debt recovery limited and wondered if someone could give me a little ammunition to deal with this company ? I am not sure what my rights are and was really hoping that I could make the offer of repayment rather then having to deal with a bt helpline.

 

Does anyone know if this company can deal with me when accepting a repayment and does anyone know why this company will not accept my repayment amount ?

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...