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VERY ( shopdirect ) account arrears ? Don't panic - Debt Management

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  • VERY ( shopdirect ) account arrears ? Don't panic - Debt Management

    Just a note to say that if you find yourself having problems with VERY debts then they are very nice to speak to in the arrears department.

    As soon as you think you are getting into problems - eg. when the interest free period ends and it suddenly ramps up to 250 a month whereas you were paying 50 a month previouslu - RING THEM.

    Tell them you are struggling and they will recommend STEPCHANGE and will put your account on hold for 7 days. Then speak with Stepchange who will go through your financial situation and recommend token payments or a debt management plan etc. You can then ring Very back with a reference number from Stepchange, which will then put your account on hold for a further 28 days until you get things set up with Stepchange.

    Stepchange are also very nice to talk with, and non judgmental, totally.

    If your circumstances aren't 'bad enough' to go to a DMP then VERY will accept a reduced payment and put interest and charges on hold for a short period for you.

    It is worth speaking with them rather than hiding from it, and the phone and panicing about the rate the debt is increasing, and definitely better than waiting for debt collection and court claims.

    Just thought I'd mention that anyway - hope it helps someone before a problem gets out of control. 37% - 50% interest rates rack things up bloody quickly if you hide form it.
    I'm away till the 24th August - please contact @Kati if needed

    We may not win by protesting, but if we dont protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

    Find Solicitors offering fixed fees on our sister site - JustBeagle.com
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  • #2
    Re: VERY ( shopdirect ) account arrears ? Don't panic - Debt Management

    Maybe Shop Direct are learning then. About time.

    Comment


    • #3
      Re: VERY ( shopdirect ) account arrears ? Don't panic - Debt Management

      Must admit, I was dreading the phone calls but was almost blown over how pleasant they were (and I've now spoken with three different people there, so seems they have upped their customer service training)

      I'll update if anything goes wrong, naturally.
      I'm away till the 24th August - please contact @Kati if needed

      We may not win by protesting, but if we dont protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower

      Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

      If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

      Find Solicitors offering fixed fees on our sister site - JustBeagle.com

      Comment


      • #4
        Re: VERY ( shopdirect ) account arrears ? Don't panic - Debt Management

        I found myself getting deeper and deeper in debt with very and after they asked for 590 I made the dreaded phone calls. After reading blogs I thought I was going to get know where. The person who answered the phone had a strong foreign accent so I think he struggled to understand what I was saying and said i had to pay even extra than what I thought. I apologized to him but said I want to speak to someone else as I don't feel you are understanding what I am saying. And after being put on hold a nice gentleman came on the phone asked what I could afford to pay each month, put my account on hold for two months and just asked me to pay 5 before March rather than the 700 the previous guy stated. He also has worked out how many months it will take me to pay it off at an amount I can afford. Has cancelled all interest going forward saving myself over about 200,000 by the time it would of been paid off if not more. The only downside (to him, not me) was that after I have paid off the amount owing they will close the account. But he did mention if I applied again after I probably wouldn't be turned down. I'm so happy I made the phone call, after weeks of stress the amount of money I have saved on interest is mind blowing!!!!

        Comment


        • #5
          Re: VERY ( shopdirect ) account arrears ? Don't panic - Debt Management

          Ahhh, just replied to your other post. Good to hear they were as civil to you. As I said they may want you to go through StepChange but keep on top of it and keep in contact with them - they do seem quite good when you are in the poop, so long as you talk to them.
          I'm away till the 24th August - please contact @Kati if needed

          We may not win by protesting, but if we dont protest we will lose. If we stand up to them, there is always a chance we will win. Hetty Bower

          Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

          If we have helped you we'd appreciate it if you can leave a review on our Trust Pilot page

          Find Solicitors offering fixed fees on our sister site - JustBeagle.com

          Comment

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