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Very (Shop Direct Finance)

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Just after a bit of advice.


Around 14 months ago i contacted all my creditors and tried to arrange reduced paymets which i could afford, along with frozen / reduced interest and no charges.


All but one of my creditors (Very) agreed.


Since then, letters went back and forth between myself and Very with me stating all i could afford to pay was 53.00 per month.


I said until we came to some arrangment i would only make a token payment of 2.00 per month as i wasnt prepared to pay 53.00 per month

to see it wiped out by interest and charges and for my debt to still increase.


As the months passed and as my situation improved slighty i then raised the offer to 66.00.

This was again refused.


At this point, which was approx 4 months ago, i wrote to them stating i did not see the point in continuing to send them the same information

(by way of my letters) time after time and unless they were prepared to accept my offer i would not even make the token 2.00 per month payment and would stop contacting them.


This is what i then did.


I have today recieved a Default Notice, served under section 87 (1) of the consumer act 1974.


As i understand it, as this account was opened online way back in 2000, it is highly unlikely they would be able to obtain a CCJ

(please correct if im wrong) as there is no signed , original CCA.


So all i would like to know is what should my next move be??

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i've moved your thread to the cat forum


have a read of a few thread shere too.


you've fallen for the trap that all people in debt fall into


you are ASKING cfreditors to accept lower repayments..


you TELL THEM that is all they will get - end of!!

£1PCM at most!!

then PAY it by internet banking - they cannot refuse.


all cat debts are VERY [pun intended] LOW priority


and i'm glad to see you've swiftly dealt with their unhelpful stance - well done.


your next move in my books would be reclaiming.


aLL those £12 fees are PENALTY charges and are unlawful !!


if you dont have all your statements

you'll need to SAR them.



as for if they wont they.....


its rare for a cat co' to goto court , but dont rule it out.


the 'agreement' would have been made by your first order even if before 2007.


cats work differently to std CCA's, though there is no getting away from it sometimes.


at the end of the day, no paperwork error will ever get the judge to agree with you that

'it was not my debt' when there is a clear financial link and statements to prove it.

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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here is how to get an arrangement agreed




and then get your claim in for charges

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