Late payment marker added to Credit Files for Delivery Charge by Very

[mustard7]

Hi,

Apologies if this is not in the correct place..

 

I opened a very account last year and ordered a product on their buy now pay 12 months later option.

All seemed good and the item I ordered got delivered.

 

I was surprised to see that the first statement I got it had a minimum payment due.

(Bearing in mind it was bnpl - 12 months)

 

I called very and was told it was the delivery charge as this was due immediately (which I was not aware of)

I asked how much I had to pay and they told me.. I paid.

 

Next months statement arrived and again it had a minimum payment due.,,

I called again, but as I was away on holiday I had to wait until I got back.

 

They told me that I had not paid the full delivery charge the first time and now I was late with the payments.

I paid the delivery charge late and thought that was the end of it.

 

However, very have now added a late payment marker to my credit file.

I complained but have just received a letter back saying that they will not change it.

 

I was after some information about it before I take it up with the ombudsman

hopefully someone on here will be able to help.

 

My question is..

Can they report a late payment on the delivery charge when this is not(or maybe it is) the item that I received on credit?

 

If I was late on the payments to them based on the item then I would agree that a late payment marker should be filed.

But this is on a delivery charge..

which if I had been given the correct information with my first phone call to them I would have paid.

 

Any advice?

[silverfox1961]

Hi

I don't see that any delivery charge can be part of a regulated agreement. That is my view.

 

You used a BNPL scheme and paid the delivery charge. Did you pay the full amount on your first statement?

 

I suspect Very are misleading you. Did you know about a delivery charge? Was it made clear on the product page? (what was it. Can you post a link to the product)

 

Place a notice of correction on the credit file entry.

[maroondevo52]

I can't see it making any odds what they call the charge It'll be part of the agreement.

If you paid in full what they were asking for then you would have a case but do you have any paperwork supporting this.

[mustard7]

Hi,

Thanks for the replies.

 

No, I didn't pay the full delivery cost on the first statement.

This was because I was unaware there was a delivery charge added.

When I phoned to pay I was told I had to pay £18 ish for delivery.. which I paid.

 

It was only on the second statement that I realised that I had been misinformed on the 1st call and despite the £18 payment, the total delivery charge was in fact £25.

And because I had made the payment late then this was recorded on the credit file.

 

I'm really annoyed with them.

 

I don't understand how the delivery cost is part of the credit agreement.

Is it worth trying the ombudsman?

[maroondevo52]

This is what they state in their T's & C's regarding BNPL.

 

Delivery, installation and insurance products can't be placed on Buy Now Pay Later (exclusions will be pointed out when you order). These charges will appear on your next statement and a payment will be due by the payment due date.

[mustard7]

So does that mean that it cannot/should not go onto a credit reference file?

[maroondevo52]

mustard I think they can report it to the Credit Reference Agencies, I'll ask dx100uk to have a look at this thread, see what he thinks.

[dx100uk]

can we just confirm that the delivery charge for your item was £25 stated when you purchased the item.

[mustard7]

The delivery charge of £24.95 was added to the grand total in 'my basket' before checkout.

[dx100uk]

then no sadly I don't think theres a lot you can do

a late marker shouldn't harm anything really.