Very problems, debt from a friend missing payments

[SnoopZaka]

Hi,

 

I opened a very account first of all just to take advantage of an offer they had really,

at a time of need I stupidly got a few things for a friend who promised to keep up the repayments etc etc,

 

this hasn't happened and they pay a bit here and there

- have been getting the amount owed down recently-ish but now the arrears alone are up to £72.

 

I got a "pre escalation" notice through today saying my account is in arrears by £72.86, and it's my last chance before they hand over my debt to Nationwide debt recovery LTD.

 

this is a final demand supposedly,

I haven't got any money to pay it and an unemployed so brasic,

and neither does the person who owes the money to pay that much in one go

- they said they can pay £20 next week but they want £72 by the 28th of this month

before handing it over to the nationwide debt collectors.

 

before this have previously been hit with £8/£12 late payment fees for missing the minimum payments.

 

in total on the very site my outstanding balance i owe them is £256.69 with the next statement on the 27th of this month.

 

I have no house phone or credit on my mobile to ring them as they so demand,

which i wouldn't want to do anyway,

but apparently they can sort out a "payment plan" but I 'MUST' phone them.

 

any advice would be greatly appreciated,

apart from the don't buy stuff for other people lesson i've already learned.

 

another thread i've read on here whilst googling says to send them a letter

(not sure if time before they hand over the debt)

or an e-mail telling them how much I can pay (the other person in this situation)

 

cheers guys, am also looking through other threads involving very now - just wanted to get this posted

Edited April 26, 2013 by SnoopZaka

[dx100uk]

hi SZ

 

if you have PENALTY charges

they can be reclaimed.

 

as for your issues with being able to pay:

 

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

 

 

 

as for the DCA being threatened...don't worry

 

they are NOT BAIIFFS

 

and HAVE NO SUCH LEGAL POWERS

 

they cannot actually do anything bar threaten you.

 

dx

[SnoopZaka]

thanks, the charges on the account are payment not received charges for the most part,

 

the others are I think when the minimum wasn't paid, IE, payment received £20. purchases, charges and adjustments = £3.77 (interest?)

the latest fee being £28.84 for payment not received,

would i have to send it as a latter or would an e-mail to Very suffice?

 

i could send a letter 1st class recorded but that'd be the only hope I have on getting it there before the 28th

 

I have 40 online statements, but can only view back to statement 28

Edited April 26, 2013 by SnoopZaka

[Old Cogger]

Nationwide are Shop Direct DCA in house.

[dx100uk]

penalty charges are FIXED charges like £12 FEE

 

not what you describe above.

[SnoopZaka]

I contacted very and in the time it took for them to reply to my email the deadline passed and they simply replied with 'sorry your debt has been passed to nationwide debt recovery' and that is all they said after 3 days waiting! not sure if that refers to the arrears or the.entire debt, said I must contact them

[Old Cogger]

Nationwide Debt Recovery = is Very (Shop Direct) collection arm in house team. not to be confused with NDR (Northern Debt Recovery) who is different all to-gether. also very statements from now on will be headed NDR (Nationwide Debt Recovery) = and in some cases beggers belief that the envelopes show NDR Debt writing on statements etc inside, I charge them for that £12.00 on their default charges spreadsheet, not a very nice dept collection method to let people see that a collection tool

[SnoopZaka]

Nationwide Debt Recovery = is Very (Shop Direct) collection arm in house team. not to be confused with NDR (Northern Debt Recovery) who is different all to-gether. also very statements from now on will be headed NDR (Nationwide Debt Recovery) = and in some cases beggers belief that the envelopes show NDR Debt writing on statements etc inside, I charge them for that £12.00 on their default charges spreadsheet, not a very nice dept collection method to let people see that a collection tool

 

should I refrain from.contacting them or contact them via email with the same message I sent very? they completely ignored my offer of 20 quid a month for 6 months and just told me my debts been handed over, though on the letter it said to stop that happening contact very before the 28th (they forwarded it to correct department on the 26th)

[dx100uk]

ignore them follow post 2

 

you TELL them not ASK

 

end off

 

dx