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Newbie needing help for Very/littlewoods


carrie1601
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Hi i'm new to this site but hoping someone can help me out. About 2 years ago i got an account with Very in my mothers name also had an account with Additions which theyve now changed over to very too. I was paying both Catalouges (and still am) but recently i've missed a few payments due to being sick and having to claim ESA and now the payments have gone sky high as well as charges thrown on top and each catalouge is asking for over £51 (for 3 months as a kind gesture apparently..) and over £50 on the other which i just can't afford and unfourtnatly as its in my mums name she is getting all the backlash from it :(

It makes me feel so awful because shes retired and they are ringing constantly from 8am-9pm monday-friday at least 10 times a day which my mother ignores but its driving her mad :(

I told them the situation and they said basically as its in my mums name its her debt. I tried to get some legal help but the lady told me as my adviser and the debt not being in my name her legal advice would be to not pay it. Which i obviously am not going to do to my mum.

I tried offering them a lower monthly ammount but they refused it and only agreed to £51 a month for 3 months which is now up and the payments are over £100 again :( The interest is so high on items that it feels like its never going to go down. Its left me and my mum on edge and is causing a rift and i don't know what to do :(

I'm sorry about the long thread but i wanted to make it as clear as possible. Thanks in advance for any help you can offer.

 

Carrie

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Hi Carrie and welcome to CAG

 

Ok first thing is to request a copy of the agreements by way of a section 78 request.You will find a template in the library letter N.Enclose two x £1 Postal Orders send recorded delivery and print name.They have 12+2 days to comply to this legal request and failure renders the account in dispute.

Second send a DSAR (Data Subject Access Request) this costs £10 and will supply all the data held and all the unfair charges applied to the account.Again recorded delivery.

 

Request the above in your Mothers name.

 

Continue to make payment of the amount which is affordable to you (not what they request)

 

Regards

 

Andy

We could do with some help from you.

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Thank you both so much. I will definately do as advised. Its only half 9am and we've already had 6 missed calls off them. Its distressing and puts us all on edge all day waiting for the next call :(

But thank you again. Hopefully with help i can finally put an end to the harrassment.

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Log the number of calls from that number per day.Do you have answer phone? They wont leave messages and simply hang up.

 

Turn the ring down on the phone... or even unplug it if you have a mobile?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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i do have an answer phone yes but they havent left any messages. We can't turn off the phone as we have relatives who are very very sick so we need to be available to reach. It really is relentless though. I've logged the calls that are still available on the phone. Does it matter if its logged just as a text file like so

8 feb - 17:26

01512441478

8 feb - 17:27

01512441470

8 feb - 18:06

01512441470

8 feb - 18:51

01512441470

11 feb 8:34

01512441554

11 feb 8:57

01512441554

11 feb 9:42

01512441554

11 feb 10:13

01512441554

11 feb 17:48

01512441554

11 feb 18:46

01512441554

12 feb 9:20

01512441554

12 feb 9:29

01512441554

12 feb 10:13

01512441554

12 feb 10:26

01512441554

12 feb 16:38

01512441554

12 feb 17:13

01512441554

12 feb 17:24

01512441554

12 feb 17:31

0151244554

12 feb 19:28

01512441554

12 feb 19:54

01512441554

13 feb 8:48

01512441554

13 feb 8:52

01512441554

13 feb 9:19

01512441554

13 feb 9:23

01512441554

13 feb 10:13

01512441554

13 feb 10:18

01512441554

13 feb 10:51

01512441554

13 feb 10:55

01512441554

13 feb 11:59

01512441554

13 feb 12:15

01512441554

13 feb 17:18

01512441554

13 feb 17:27

01512441554

13 feb 18:12

01512441554

13 feb 18:23

01512441554

13 feb 19:57

01512441554

13 feb 20:03

01512441554

13 feb 20:44

01512441554

13 feb 20:50

01512441554

14 feb 8:31

01512441554

14 feb 8:38

01512441554

14 feb 8:42

01512441554

14 feb 8:50

01512441554

14 feb 9:18

01512441554

14 feb 9:24

01512441554

14 feb 9:53

01512441554

 

They were particularly keen on the 13th *sigh* its so stressful everytime the phone rings we rush incase its to do with my auntie or brother only to find its them AGAIN.. and as on cue they are ringing again...

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Yes thats fine as long as you an account for the harassment....calls per day.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

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Whilst you are in the library there is also a letter for telephone harassment...let them have that also.Once they receive all three requests you should find you household will be far quieter:wink:

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHER

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

If you want advice on your Topic please PM me a link to your thread

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