Very.co.uk have been sending me letters stating i owe them £20. i have not been living at my permanent address so a friend has been opening any mail i get. They have never stated why they think i owe them money or what for.
I have never had a credit account with them and have always paid via credit or debit card, nor used any codes. When i looked into this initially i couldn't see how i owed them anything so i ignored the letters as they were just asking for payment. I haven't purchased anything for over a year.
Yesterday i received a different letter from Very with " Store Direct Finance company limited" as the addressee giving me a "Default notice served under section 87(1) of the Consumer act 1974, running account credit."
They state " We refer to the above agreement which you have entered into with us.the payment clause of the agreement provides that you must make the required periodic payment in full by its due date.You are in breach of that clause because you have failed to make all payments when due and are in arrears."
They go on to say they may take further action if i do not pay by a certain date , they state further action will be "On the date shown, we shall require payment of the outstanding balance of the account , less any rebate allowable" rebate shown as £0 and then the amount owed is shown.
This afternoon i had a good look into this and it seems that Very may have refunded me an additional £20 for item i returned and have been sending me letters for payment.
My questions are
Is this default notice valid as i have never taken out a credit agreement with Very?
If they have refunded me an incorrect amount to their detriment do i have to pay it back and is there any legal way they can enforce this?
If they have refunded me an incorrect amount to their detriment can they legally open a credit account with out my permission and transfer the amount to the credit account then use the credit terms to enforce payment?
The further action they state seems to be nothing, they do not mention debt collectors etc Are they trying to frighten me into paying?
Any help appreciated, thanks.