Very.co.uk missed payments and fees

[Carl_B]

Hi,

 

I've just joined Cag after stumbling here with the help of Google

 

I have missed the last 3 months of payments to Very due to a number of circumstances

mainly just my own stupidity to be perfectly honest...

 

I am now in a position to start to pay some of the debt off

 

they have put a number of charges onto my account (late fees, telephone call charges etc.)

which has pushed me beyond my credit limit on my account

(I daresay they will charge me for that as well?)

 

I have been looking on the site and reading other peoples posts and so far I think what I need to do is this

• Contact Very.co.uk and suggest a payment plan and ask that they stop all interest and charges due to financial hardship
  
• Send a Full Subject Access request to find out how many of these fees I have paid over the life of the account
  
• Send letter to re-claim these fees?
  

They have also been calling me every day for the last 2 months (call blocker on the mobile is a wonder!)

 

I'm also answering the next one and telling them I will be corresponding only by letter and then sending the Harrasment by telephone template

 

Is there anything I have missed or would also be good to do?

 

Many thanks

[dx100uk]

10/10

 

pers I wouldn't bother with the answering the phone.

 

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

dx

[Carl_B]

Updates since last post:

 

I never did send any letters and I ust stuck my head in the sand and ignored them.

 

since then they have passed my debt onto Lowell and I have sent them a CCA Request which they received at the beginning of the week and I am currently awaiting a reply.

[Carl_B]

I have received a reply from Lowell today attached below, Sorry I don't own a scanner but I've tried to get a reasonable image on my phone

[dx100uk]

usual stuff

 

 

dx

[Carl_B]

usual stuff

 

 

dx

 

Hi dx100uk,

 

Do you have any recommendations? do I wait out their 12 days and then contact them if I don't receive anything?

[ims21]

You just wait Carl.

 

Lowell being a debt purchaser cannot enforce in court all the time they do not provide the documents. You don't chase a CCA request.

 

While the "alleged" debt is still due, failure to comply with the CCA request prohibits them from getting a judgement in court.

[Carl_B]

You just wait Carl.

 

Lowell being a debt purchaser cannot enforce in court all the time they do not provide the documents. You don't chase a CCA request.

 

While the "alleged" debt is still due, failure to comply with the CCA request prohibits them from getting a judgement in court.

 

Thanks ims21,

 

the fact that they have so far failed to supply the documents means that the debt is unenforceable?

 

 

where does this leave payment?

 

 

obviously this means that they can't take me to court over the debt obviously interest and fees are mounting up?

 

 

I have sent an SAR to Very today as well with the intention of claiming back a good percentage of the debt which is late payment fees.

 

Many thanks,

 

Carl

[Carl_B]

I've received two letters this morning

 

 

one from Lowell telling me that they still have not received my credit agreement from Shop Direct

and so while they wait they have put my account on hold,

 

 

The second letter I received was from Shop Direct themselves confirming receipt of my SAR request and thanking me for my payment of the £10 statutory fee.

[SabreSheep]

Good keep an eye on the clock, make sure that V comply with the SAR

[Carl_B]

So I'll admit I nearly fell off my chair when I read this

and then did a happy dance round the flat a few times,

 

 

what do you think?

 

 

should I query whether they still intend to write to my credit file?

 

I'm mighty glad this is the outcome but where does this leave my SAR?

 

 

do you think I should now back out of the idea of claiming back the multitude of £12 fees?

 

 

It's been submitted anyway so either way I should receive all the paperwork they have no doubt they'll find the bloody thing and come after it again

 

Cheers,

 

Carl

[Carl_B]

For some reason I can't attach the pdf which is irritating...

 

here's a dropbox link to the file: https://www.dropbox.com/s/cfoavg431syubcq/Lowell10-12-14_Redacted.pdf?dl=0

[dx100uk]

carry on with the reclaims

 

 

dx

[Carl_B]

I've gone through all the stuff they have sent me and they don't make it simple I have 3 different types of system which they have used to record my statements it's all there but not in an enjoyable reading format...

 

still I think I have found £276 of charges + another £118 in interest and also a charge of I think £84 before they sold my account to Lowell but I'm going to need a volunteer I can email scans of all this to for double checking... any volunteers? there's too much sensitive data to obscure it all practically *sigh* I'll have to make a special trip to the library and spend an afternoon scanning it all into pdf's

 

Many thanks in advance,

 

Carl

 

PS: They also included a copy of my credit agreement and also listed on the documents is a request from Lowell for it... why did Lowell claim Shop Direct couldn't find it? very peculiar

[Old Cogger]

interesting = Very Admin charge of £84?

 

same as one I had/?? well well

 

no doubt credit default charges + admin charge = then debit account the same then sell off to Lowells = look at your statement, as that happened to me.

 

Also go to Credit reference agency file and get copy of your Default notice date from Shop direct as in my case Capquest have altered the default date to the time they bought it and state very shop direct informed them the entry was the selling date some 7 months later,l the ICO will not help unless you can prove original date recorded at CRA which you cannot as it has been altered and nobody want to find original entry? just a thought.