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Very.co.uk Debt, Advice needed


James220
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Thanks for the great advice Guys although I'm still unsure if its worth sending a CCA,

 

I Recieved a acknowledgement letter for the SAR so hopefully they should be sending me details on all the charges asap,

 

Im not sure what you mean by "Catalogue cd" Ford?

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its a cat debt

cat forum.

 

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... 

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  • 3 weeks later...

I finaliy received all the infomation requested with the SAR and each of the £12 charges amount to £324,

 

Now all I need to do is workout the interest thats been added to the charges as they date back from 2007 upto 2012.

 

The interest rate states 44.9% on my account so how would you best advice I work this out? as like i said the charges date back to 2007,

 

Thanks

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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... 

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Thanks dx,

 

I've completed the The CI Sheet, So now I asume I send a print out of the completed CI sheet with the Reclaim charges Letter template to very?

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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... 

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Ok so as well as sending The completed CI Sheet with a reclaim charges letter, I should also send a complaint letter in a seperate envelope?

 

Also I'm in the process of setting up a debt managment plan with CCCS so would you advise me to deal with getting these charges back now or after the dmp is in place?

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makes no odds really

 

SOC and Complaint leter in same env is ok

 

what was you total?

 

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... 

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Hello James i had a debt with very from 2006, After the same issue of mass intrest and mass charges i decided to CCA them as of the advice from this site, I owed them £1,785 after all the charges etc, They had no signed agreement they tried fobbing me off with current terms and conditions, but after a letter back they sent me a letter back telling me they no longer will be persuing me for the debt, NDR money took ages to actually speak to very to get it sorted but since September 2011 heard nothing and the debt is no longer on my Credit report. So for a £1 CCA request get on it mate

 

Cheers

 

Journey Man

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Hi journy man, A signed copy of the consumer credit agreement, which I must have signed back in 2005 came with all my other account information after sending the SAR ,

 

So unfortunately I can't get them to write the debt off like you did :x

 

The signed consumer credit agreement they sent me does state a interest rate of 32.9% though so maybe i can get somthing back there? As the current interest rate is 44.9%

Edited by James220
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  • 4 months later...

Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

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Hello Everyone, i am currently going through the same experience with very; but due to loss of job and financial tightness, i struggled a little with paying off my monthly minimum balance. I was able to pay this up ontill November 2011, then stopped and paid again in January. Since January 2012 i have not been abale to put in any payment; it's really been challenging money wise. I called them in March to try and arrange a better payment plan and request for a freeze in this rediculous charges and interest but was told it would not be possible. The interest keeps mounting and i'm totally unsuere what to do. Again, this morning the debt recovery unit for very called me and i requested them to freeze my intrests or debt letter charges as i'm unable to make any payments before the 24th; i just got a new small job. The lady on the phone waas so impatient and was not communicating; she was just too fast for me to comprehend anything. So i asked her to ring back in the evening. Can someone advise if the above advice is ok to follow? Request a SAR with £10 fee, fill out the CIC form to calculate claim, a complaint letter expressing my disatisfaction and a CCA? What is a CCA and how do i get it? Thanks for your help.

 

start a new thread

see below

 

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... 

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Just to update on this:

 

I have not received any money back from very or a reply to The completed CI Sheet with a reclaim charges letter,( sent twice via recorded post)

 

Although I did get a reply from the complaint letter basicly Telling me that they felt I was delt with fairly and they now consider my complaint matter closed (so that was a waste of time)

 

They have now stopped the charges but only because I'm now on a debt management plan with CCS,

 

Do you think I still should be able claim back the charges and if so whats my next step?

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If that was their final response then escalate the matter to the FOS.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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if this is their first refusal

 

write back stating the fsa stuff about their findings did not give creditors permission to levy a PENALTY charge

whatever its level, esp a fixed blanket one , without giving a true accoun of their costs incurred

 

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... 

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  • 4 years later...

Sorry for unearthing such an old thread. But i am in a simialr situation and need a little advice. I fell into arrears with my Very account simply because those BNPL charges hit rather costly, which in turn made my monthly installments reach a whopping 200+ per month. I politely contacted them around a year ago and after many back and forth telephone calls and emails managed to agree a year payment plan of £70.

 

I haven't missed a payment since setting this up, then this morning I recieved two letter on through my door. The first being one demanding a payment in full of a staggering £489 arrears payment followed by the same for the foreseeable future. The second was a letter telling me my payment reached them a day late, how and why this happened I don;t now, as I pay this every month at my local post office ono the exact same day, and this has never arisen before now! I'm both letters arrived on the same day, so even if I had the spare almost £500 floating around I wouldnt have had time to correct the problem at hand.

 

I'm really not keen on calling them, as everytime I have done in the past they are very rude and rather obnoxious with me, and I find myself getting past from pillar to post with little to no resolution being offered at the end of it for my efforts. What can I do leaglly to correct this matter? As all I want to do is make them a sensible offer and get this debt paid up without the threats and nasty letters arriving through my door.

 

Thanks in advance for any help you may have, It's all very much appreciated.

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You need to start a new thread

Of your own please

 

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... 

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Thread now closed to stop newbie bumpings since 2012

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

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