Another very customer

[dx100uk]

if you are intent & happy on paying such a large amount

 

then just do as you told them you were going to do.

 

use your internet banking site not DD

 

dx

[grannygoggins]

Cannot believe it,besides not even acknowledging my letter,the £10 cheque I enclosed asking for all the info on my account they have taken off my bill. I feel Im getting nowhere with Very, now demanding a £1.000 payment instantly.

[dx100uk]

tough they cant have it

 

now on the SAR letter there was a line about the payment was to be used for?

 

yes

 

dx

[grannygoggins]

No I didnt stupidly as I was requesting all my info on account,assumed theyd know what it was for. As if £10 was going to make a hole in the total amount.

[grannygoggins]

Sorry misunderstood your question,yes it is stated on the SAR letter.

[dx100uk]

then go tell them.

 

dx

[grannygoggins]

After lots of discussion my husband has decided we pay Very from our savings,

 

I got trapped into a call from their debt dpartment who gave me the number of their insurance

so I could ask about claiming back the insurance and late payment charges.

 

the guy was very rude and said why did I think I had the right to claim the money back and if I read my terms and conditions properly

I would see I had agree to the insurance and also it clearly states they charge £12 admin fees for every late payment.

 

I said once they worked out how much insurance etc I have paid over 15 years

then I would pay the remainder after that was taken off my account.

I didnt think they were helpful at all and the guy actually hung up on me.

[Old Cogger]

After lots of discussion my husband has decided we pay Very from our savings, I got trapped into a call from their debt dpartment who gave me the number of their insurance so I could ask about claiming back the insurance and late payment charges.Basically the guy was very rude and said why did I think I had the right to claim the money back and if I read my terms and conditions properly I would see I had agree to the insurance and also it clearly states they charge £12 admin fees for every late payment.I said once they worked out how much insurance etc I have paid over 15 years then I would pay the remainder after that was taken off my account. I didnt think they were helpful at all and the guy actually hung up on me.

 

 

That sounds like Shop Direct, the way they operate is pathetic,

they have never left kindergarten stage of schooling,

 

they try to make out that the Dormant Company Nationwide debt recovery ltd is an outside firm ,

 

no it is Shop directs debt collection desk,

 

the fees are recoverable including the £12 telephone call they make to you

 

so put all on a spreadsheet and use the 39.70% interest rate and see what comes out a

= a very large refund you have to fight for,

 

if you do not have all the statement send £10.00 postal order for a SAR request

and get the charges off that info.

 

do not be drawn into their web of deceit.

[grannygoggins]

Thanks Mike770

 

I have already applied for SAR and still waiting for the paperwork

 

,then how do I apply the guy was very rude and insulting and more or less said I cant claim anything back,

 

all that insurance and for what!!

no help when you need it.

 

Sorry Im pathetic cant do spread sheets.

 

All the templates for reclaiming PPI's seem to relate to loans,

 

is their another for mail order.

Edited February 18, 2013 by grannygoggins

[Old Cogger]

Thanks Mike770 I have already applied for SAR and still waiting for the paperwork,then how do I apply the guy was very rude and insulting and more or less said I cant claim anything back,all that insurance and for what!! no help when you need it. Sorry Im pathetic cant do spread sheets. All the templates for reclaiming PPI's seem to relate to loans,is their another for mail order.

 

 

 

I just amended titles to read what ever the PPI referred to, the man would be rude that is their way of treating their customers, you are not alone on that one, get your claim in for PPI soonest, make sure you have a valid reason to reclaim though? FSA site has a spreadsheet to use you just enter % rate 39.70 etc

[grannygoggins]

FSA sorry being thick again where do I find it.

[Old Cogger]

http://www.fsa.gov.uk/#

[dx100uk]

when you get all the statements back

 

we will guide you through what you need to do to get the the PPIand charges back

 

just because they are on THEIR T&C's

 

DOES NOT MAKE THEM LAWFUL!!

 

please do not pay them anything

 

and stay off that phone!!

 

you are being hoodwinked.

 

dx

[grannygoggins]

Recieved letter today asking me to fill in the appropriate form and enclose cheque for £10 ???? stupid people this was all done. Have tried to speak to someone and explain again about the 10 pounds being used on my account,but no answer this far.

[grannygoggins]

Right have recieved a mountain of paperwork from Very about my account,what next??? please

[dx100uk]

look for £12 PENALTY FEES

 

letter/phone/default/DD/ debt management

 

they are ALL reclaimable

 

also look for any type of payment or item protection plans

 

dx

[grannygoggins]

Thanks should I look at the PPI they have charged me as well,Im disputing the way this was sold to me.

[dx100uk]

yes !!

 

2 sep claims though

 

do you have the spreadsheets?

 

dx

[grannygoggins]

I presume what they have sent are spreadsheets,there is loads of it.

 

My husband is going to help me by going through it.

 

I complsted a form from the company about mis sold PPI and sent that back today.

[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

[dx100uk]

ideally you should have waited before sending stuff back to them.

 

use the FOSCISHEET

 

one for PPI

 

one for PENALTY charges

 

dx

[dx100uk]

use their APR

 

dx

[grannygoggins]

Sorry confused use their APR for what? and will one spreadsheet be enough for both PPI and late payment charges,if not can you tell me which two I need to download,thanks again.

[dx100uk]

one copy of the same spready for each

 

two claims, two spreadies.

 

you'll need their APR to put in the spreadsheet in cell d15

 

 

have a read of the links in post 8

 

dx

[grannygoggins]

Need help drowning,

 

I tried printing of the form but it didnt come out complete on A4 ?

 

When it comes to the section saying claim calculation

 

I understand total charges as the total of all the admin charges of £12 incurred and the same for the PPI

 

What is compound interest box for and how do I fill it in.

 

Also on part which says personal details there is a part interest rate APR what goes there.

 

I have totted up both charges and its a lot specially the PPI.

 

Need simplified step by step help please. Think I may have printed off wrong form,confused.

Edited February 27, 2013 by grannygoggins