Another very customer

[grannygoggins]

Hi

 

I am currently paying very an agreed £265 per month off my debt of £3700.

But now working reduced hours

I am struggling and really cannot afford this huge amount.

 

I want to offer a £100 per month whilst thinga are tough.

 

Im sick of being charged £12 for a late payment+ when I looked at my account online I realised Im paying something called extra care of £67.49?

dont even know what this is for.

 

I have paid almost £2k since july and the bill doesnt seem to be going down much at all.

 

I didnt realise the ridiculous 39/% interest charge on buy now pay later goods,

but obviously this is what is keeping the amount from going down.

 

Im at my wits end about this and have never taken on a big company in this way.

 

They are not the most helpful company to deal with.

 

Also can I insist they only respond to me by e mail or letter as I dont want phone calls from them.

 

Regarding the interest question without my signature agreeing to this

,all I did was tick a box that said did I acknowledge.

But wasnt aware how high the charge was,naive of me.

But thats almost 1/2 the debt again which to me seems greedy on their behalf.

 

Thanks for reading and any responses

 

I would be grateful for all the help and avice you can give.

 

Being of a more "mature" age I worry myself sick that I will end up being taken to court

or someone turning up on the doorstep,

silly I know.

[dx100uk]

HI GG

welcome aboard

 

i've moved your thread to the cat forum

lots of like threads to read here.

 

the extra care can be cancelled and ALL payments can be reclaimed

as can ALL the £12 PENALTY fees

 

that should knock a bit off!!

 

see below or other threads here

 

sadly thee is not alot uou can do about the interest of 39%

 

now as for your payments

 

cat debts are VERY [hehe]very low priority

 

we typically advise the following:

 

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

 

 

now interms of doorsteppers and debt collectors[DCA's] etc

 

none of them are bailiffs

 

they have NO SUCH LEGAL POWERS

 

so stop worrying.

 

dx

[fletch70]

A question for you,when was the agreement taken out?

 

As for the insurance how old were you when it started and were you asked about it. I think you could reclaim it if it were missold. I did this for my ex wife on an Argo card as she was retired and in poor health. Sadly she died a month later leaving the balance unprotected. Not her problem though.

[grannygoggins]

I was probably about 55 as Im now 60.

 

dx100uk do I word it to them as you have written,excuse my ignorance not used to having to deal with this kind of stress.

[dx100uk]

yes

 

dx

[grannygoggins]

Thanks and where is the cats forum on here ??? Im a bit blonde so will be needing more advice as I go along as in how to reclaim late payments etc.

[dx100uk]

your in it [well the mail order catalogue forum - i call it the cats forum] scoll up the top and click the blue mail order catalogue

 

as for the charges reclaiming etc.

 

sorry the info texts dont show at present

 

i'll post them below

 

dx

[dx100uk]

CreditReferenceAgencies:Experian Equifax CallCredit noddle

 

 

Sort Your Debts Now - -

here

 

Start Your Own Thread - HERE

 

 

1. Single Premium PPI Q&A

Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here

4. Ins & Outs of PPI & interest : click_here

5. Feel Bullied by Creditors or Debt Collectors? Read Here

6. Staying Calm About Debt Read Here

7. Thinking of a Full & Final Settlement? Read Here

my views are my own...seek legal advice if ness

NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone

- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.

rather than hittting to be my friend - hit the star

DX

RIP Martin3030

[grannygoggins]

I have sent off the letter to Very, and offered a £100 per month. Do I now make the 1st payment of this type or wait until I hear from them.

[fletch70]

In my opinion as you have offered it you could put it to one side ready to pay as soon as they accept. Then pay the next installment when it is due.

 

I do think you need to look at some reclaim of insurance .

[dx100uk]

thats a bit steep IMHO £50

 

never mind

 

get that reclaiming going

 

dx

[grannygoggins]

I can manage a £100 no probs,

 

so can you guide me to how to claim all the £12 charges

 

remembering most stuff is online and not on paper,

 

plus how do I reclaim the insurance stuff.

 

Thanks for all the advice,

 

its made sleeping easier.

[dx100uk]

download all the statements first.

 

save them to you PC

 

dx

[grannygoggins]

Statements online only go back as far as May 2012. My concern is are they charging me this payment protection of £60 something every month as the statements dont give much info. If they are how to I reclaim it.

[fletch70]

You will need to send a SAR first. It will cost you £10 and should provide statements etc going back.

There is a template in the cag library. They have 40 days to comply

[dx100uk]

or hold on the underlined black SAR and click

[grannygoggins]

Downloaded SAR and have completed, enclosed cheque and will post tomorrow. Sure I'll be back for more info.But thanks this far.

[grannygoggins]

Help!

 

have had no acknowledgement of my initial letter to Very.

 

Also sent off asking for all info on my account and included £10 cheque.

 

Now keep getting calls from Very asking if this is me to press button 1.

 

As I asked to be only contacted by letter I am a bit annoyed,

 

also that they havent even written to me as yet.

 

I ignored the call,

 

should I continue to do so-help please !!!!

[dx100uk]

if they CCA request is outside of 12+2 workig days

send the failure to comply letter

 

sit on your hands a nd await the SAR return.

 

you DO NOT

need to speak with them.

 

dx

[*RainbowTears*]

Help! have had no acknowledgement of my initial letter to Very. Also sent off asking for all info on my account and included £10 cheque. Now keep getting calls from Very asking if this is me to press button 1. As I asked to be only contacted by letter I am a bit annoyed, also that they havent even written to me as yet. I ignored the call,should I continue to do so-help please !!!!

 

Hi Grannygoggins,

Once you submit a SAR request, Very have 40 days in which to comply to your request. So its a case of being patient as regarding this.

 

I would suggest you carry on paying what you can afford on the payment dates Very states. If you can pay on or before the due date then you shouldn't occur anymore late payment fees.

 

But for now do as DX100UK suggested & you will be able to reclaim all the charges etc back once you receive all your SAR paperwork back.

 

Stay off the phone as already suggested & keep a paper trail of everything. If Very do ring for whatever reason, then don't answer. You can always write or email them telling them this.

 

Catalogue debts are indeed low priority, so only pay what your comfortable paying. Always making sure any high priority debts come first, such as Rent, Utilities & Council Tax etc.

 

Good luck

[grannygoggins]

Thank you havent sent any payment thus far,been waiting for a response to my initial letter, get the feeling their going to keep calling.

[dx100uk]

tough!!

 

ignore them

 

dx

[grannygoggins]

How long should I leave it before sending the 2nd letter,again today recieved letter saying I have missed payment but no acknowledgement of my letter saying I would offer to pay £100 pcm, they are playing cat n mouse with me I reckon.

[dx100uk]

sorry what are awaiting on?

 

dx

[grannygoggins]

A response to the 1st letter stating what I was willing to pay, freezing interest etc. I thought I had to wait for a response before sending the 2nd one.