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    • yes but have the landowner paid this years contract fee. no evidence they have in the ws. pop it back up now if you wish. the forum is quiet i'll redact it for you so we have the info.   dx  
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James220

Very.co.uk Debt, Advice needed

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I fell into arrears with Very just over 12months ago mainly due to loosing my job and the insane interest and charges very charge there customers,

 

I contacted them many times by phone to try and come to a reasonable payment arrangement but there never was one offered,

I continued to pay some money every month(Half than what they were willing to accept)

 

some months and many charges later They then moved the account to NDR money which is there debt collecting department,

 

So I contacted them again to try and arrange a payment plan and after a long discusion they said they would freeze the interest for 12months

if i paid a min of £100 per month of which i agreed on the amount but not the date as I did'n't get paid untill after the date they needed payment each month

so the late payment charges would continue,

 

I was unable to keep The £100 payment up after 3 months due to realising i couldn't afford to pay it

so I sent them £40 instead and have done so for the past 6 months even though the interest was froze the £12 monthly debt collection letter charge continued,

 

They started adding £105.92 monthly interest again in december

 

Now this month I received a letter telling me they will be transfering the debt of £3,907 to a outside debt collection agency unless i pay £2.325 withing 10 days,

 

Very really are useless at helping there customers when they fall into financial trouble, They never offered me a reasonable payment arrangement paid monthly on a date that suited my income and always requested more money than would have been the original minimum payment before I fell into arrears,

 

Very have charged me £267 in interest and charges this past 2 months even though I continued to send them £40 every month,

 

Can anyone advice on my next steps? before they sell the debt on as i'm really stressed and unsure how to proceed??

 

Can I at least get any of the charges back before they sell the debt on?

 

Any advice would be much appreciated

Edited by James220

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go get reclaiming

 

ALL those penalty fees are reclaimable + the interest they have added to them.

 

fill this out:


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks Dx, I'll get right on that, How far back can i claim from? as i only have access to statements dating back 8months

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then sar time

 

without a fight, you can go back 6yrs

but if the charges go further back

i'd include them all

lets argue about their stance on that later.

 

many cat companies have coughed.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi

In my opinion you should also raise a formal complaint and make sure the letter is headed as such. The way they have treated you knowing that you were in financial difficulties beggars belief.

 

To get a Consumer Credit Licence, Very must agree to the debt collection guidance.

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/OFT664Rev.pdf

 

Have a read and see just how they are not following it


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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then sar time

 

without a fight, you can go back 6yrs

but if the charges go further back

i'd include them all

lets argue about their stance on that later.

 

many cat companies have coughed.

 

dx

 

Thanks again Dx, I'm in the process of the SAR letter but I want to ensure i send it to the right address to avoid any delays,

Would you say the address on the latest letter with the default notice is the right address starting with: "Shop Direct Finance"?

Also should i make the £10 cheque out to shop direct finance or just "Very"?

 

Thanks again for your help

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This address is from the Very site

Data Protection Unit, Park Lane, Netherton, Liverpool L72 1LQ.

 

As for who to make it payable to. I can't find anything on their site


If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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'shop direct finance'

 

This address is from the Very site

Data Protection Unit, Park Lane, Netherton, Liverpool L72 1LQ.

 

As for who to make it payable to. I can't find anything on their site


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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Thanks alot Silverfox and Rebel,

 

I'll get this posted out first thing tomorrow via recorded post,

 

Hopefully they wont take to long in sending me past statements so i can calulate all the charges,

 

I take it i can only reclaim the £12 late payment and debt collection letter fees with interest added to the fee amount? None of the regular Ripoff interest on the account can be reclaimed?

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Hi James

 

Only the charges plus interest, heres the spready:- http://www.shweb.pwp.blueyonder.co.uk/interestcalcs.xls

 

But regarding interest, read the following:- http://www.consumeractiongroup.co.uk/forum/content.php?845-UK-Consumers-Should-can-use-statutory-rights

 

Thanks alot Silverfox and Rebel,

 

I'll get this posted out first thing tomorrow via recorded post,

 

Hopefully they wont take to long in sending me past statements so i can calulate all the charges,

 

I take it i can only reclaim the £12 late payment and debt collection letter fees with interest added to the fee amount? None of the regular Ripoff interest on the account can be reclaimed?


Welcome to Consumer Action Group

 

'Challenges are what makes life interesting; overcoming them is what makes life meaningful.'

Joshua J. Marine

 

1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE

2) CLAIM BACK ALL MIS-SOLD PPI CLICK HERE

3) COMPOUNDED CONTRACTUAL INTEREST CLICK HERE

4) REQUEST CCA FROM CREDITOR CLICK HERE

5) OFT- UNENFORCEABLE AGREEMENTS CLICK HERE

6) CAREY V HSBC (2009) CLICK HERE

7) DON'T BE BULLIED BY CREDITORS / DCA's CLICK HERE

8) IN DEBT DON'T PANIC CLICK HERE

9) FULL AND FINAL SETTLEMENT CLICK HERE

10) SALE OF GOODS ACT-EDUCATE YOUR RETAILER CLICK HERE

11) DISTANCE SELLING-EDUCATE YOR RETAILERCLICK HERE

12) SOGA SUMMARY CLICK HERE

13) WHICH? TEMPLATES [/url]CLICK HERE

14) DOES YOU BANK TREAT YOU FAIRLY BCOBSCLICK HERE

15) EVERYTHING HOUSING CLICK HERE

16) UTILITY BACKBILLING CLICK HERE

17) OFGEM - COMPLAINTSCLICK HERE

18) OFCOM - COMPLAINTS CLICK HERE

DON'T GIVE UP, THIS SITE WILL PROVIDE YOU WITH GUIDANCE AND EMPOWERMENT

 

Don't forget to donate to this site

 

Please let us know how your problem has been resolved, it could help fellow Caggers

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dont forget i'm pretty sure you have online access to these accounts too

 

most shop direct accounts have it.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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dont forget i'm pretty sure you have online access to these accounts too

 

most shop direct accounts have it.

 

dx

 

Yes I have online account access but can only view statments/charges going back 8months

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thats a bummer

crafty lot

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hi Steve, Sorry to hear you also had the missfortune to deal with this awfull company,

When you say original agreement do you mean when i opened a account with them or when i set up the so called reduced payment arrangement?

 

I have only ever made contact with very over the phone so this will be the first time writing to them even though They will have probably sold the debt on to a debt collect agency by the end of the month,

 

I phoned them again a few days ago to request a new repayment plan due to receiving another default notice and the interest and other charges still being added to the account,

There responce was they cannot give me 'another plan' because i failed to keep up with the last one of £100 per month, Also the debt was in the process of being sold to a outside debt collection agency unless i could pay over 2 grand within 10 working days, (so there waiting to see which dca bids the highest for my debt)

 

Oh yes they also said they might be able set me up a new plan to pay £400 a month but thats all they have on there system to offer me!

As you can expect I laughed and said thanks for nothing then hung up the phone,

 

I have always made a payment of at least £40 per month whie in arrears but as you can expect its always been sucked up in charges and the debts just increased over time,

 

For the first time ever I just made a payment of £1 this month thinking whats the point in me sending all this money its just going into thin air!

Edited by James220

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james

you really need to cut the phonecalls with them

and now a dca might be on the scene

you def need to do it

 

never ever discuss your debts on the phone

you are under no legal obl to do so.

 

if anyone phones

just say writing only pleae

and the phone down.

 

dca's have nolegal powers to do nowt

 

get that SAR off pronto.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks again for the sound advice dx,

 

SAR was posted out this morning via recorded post so lets hope I get a prompt responce Without any runaround.

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another default notice!? there should only be one?

anyway, when writing remind them of the Lending Code (on cag) which says that where there are financial difficulties/token payments interest and charges should stop.

otherwise, could do a cca request also. as steve says, that will give them something to think about

Edited by Ford

IMO

:-):rant:

 

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I think I can recall them sending me a agreement a couple of years ago but I never signed or returned it to them.

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you need to becareful here

 

99% of catalogue co's operate under the term

that your first order is your agreement

and by ordering you agree to their T&C. etcetc

they send an agreement out to sign

but 90% of people never return it.

 

dx

 

they dont HAVE to have a signed agreement.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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you need to becareful here

 

99% of catalogue co's operate under the term

that your first order is your agreement

and by ordering you agree to their T&C. etcetc

they send an agreement out to sign

 

but 90% of people never return it.

 

dx

 

they dont HAVE to have a signed agreement.

 

 

So is it worth me requesting the agreement then if what you say is how they work?

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IMHO no

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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pc aside, what harm would a cca request for a quid do? at least the paperwork/terms can be checked if they send something.

Edited by Ford

IMO

:-):rant:

 

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what you need to look at here is the way it would go:

 

you go before a judge saying

'this ain't my debt mate'

 

judge says:

well hang-on, i have here lists of orders and statements in your name

and payment previously made to the company

etc etc etc.

 

you still gonna say its not mine?

 

the days of wriggling out of debts through 'paperwork errors 'are LONG GONE.

 

however

as pointed

there is no harm in getting one for a quid

 

how in this instance it can ever help you

is difficult to understand in reality.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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totally agree steve

but

in all of this its the POSTER that will be in court

throwing in everything about the banks being unfair etc etc

is a bit of a steep learning curve for a newbie

and a very daunting escapade.

 

its been claimed that most of the people that avocate this route

by fair means or foul or under the carpet contact or

get ahold of these posters and say i'll represent you for a fee

we'll do this and do that in court and win

 

and when it comes down to it, they dsiappear

in a puff of smoke or slide off to other consumer websites.

 

so you need to be VERY CAREFUL

upon WHY these people are stating these things.

 

and to your queston of CCA and court

 

yes they can take you to court with no signed agreement as in my post above.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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james

when was this catalogue cd issued?

Edited by Ford

IMO

:-):rant:

 

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 1073 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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