Very (Shop Direct) Full & Final Payment Advice - HotUKDeals
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Very (Shop Direct) Full & Final Payment Advice

DarloNige Avatar
4y, 10m agoPosted 4 years, 10 months ago
After a bit of advice if anyone out there can help me!
Sick to my back teeth of Very (shop Direct)
My wife has an account with them and I would like to try and settle the account. She has fallen into arrears.
I have tried talking to them to agree a F&FS amount but they wont do anything over the phone.
Apparently I need to write to the head office in Chelmsford.
So a few questions-
Does anyone have a contact number for the Chelsford office?
What % of the total owed would be a "reasonable" offer?
Cheers
DarloNige Avatar
4y, 10m agoPosted 4 years, 10 months ago
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1 Like #1
Has the account actually been passed over to a debt collection agency?

For a F&F settlement it usually depends on how old the debt is. Obviously the older the debt the more discount you are likely to negotiate.

Here is the address to write to, no idea of phone number though:
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LR
1 Like #2
I am having a look for you as we speak:

I have found the following, to be honest in this day and age, I would think that they are pleased that you want to settle your debt with them.

The following points are true - I do suggest you write them a letter or find an email address, I will have a look for you and suggest what you may put in the letter/email if you like.

Very can not force you to repay more than you can comfortably afford each month.
If you make a reduced payment, Very can not refuse it.
Very can not add charges as a penalty for non payment, other than to cover the real costs of collections activity.
2 Likes #3
fluffyundacrakas
Has the account actually been passed over to a debt collection agency?

For a F&F settlement it usually depends on how old the debt is. Obviously the older the debt the more discount you are likely to negotiate.

Here is the address to write to, no idea of phone number though:
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LR


Hi fluffy :D
#4
aren they a part of littlewoods ??
1 Like #5
Hi maccy :D
1 Like #6
Yes the whole catalogue group comes under the Shop Direct group of companies. I have found an email address - you could try this first: [email protected].

Be absolutely truthful with them, let them know you are desperate to clear this debt but you are only able to afford ..... a month. Put a telephone number in your email so they are able to ring you instead of visa versa.

I am sure they will be more than happy to recover their money from you - good luck :)
1 Like #7
No not passed over to a DCA...think it would be easier to negotiate if it had!!!!

Thanks for your help guys
Email will be my 1st try but I will draft a letter also
Thanks again
1 Like #8
You could also try their Head Office number - 0151 432 1000 at least you are not using the horrid 0844 or 0845 number, these numbers, although local cost a fortune on Sky Talk.
1 Like #9
I have downloaded a Draft "F&FP" letter and emailed to the address you supplied.
Fingers crossed I can get these horrible, unreasonable people off my back!

maccy1
You could also try their Head Office number - 0151 432 1000 at least you are not using the horrid 0844 or 0845 number, these numbers, although local cost a fortune on Sky Talk.
2 Likes #10
OP - some very useful info here including a template letter which you can amend to suit your situation.

Bear in mind that you will need to fill out an income and expenditure form, it will save you so much time and hassle as they will quite often stall you and add more interest and charges on your account in the meantime so better to send it off at the start.

In spite of what the lovely maccy has advised, I would say to not communicate via phone or e-mail, keep all correspondence strictly by mail only and make sure you send anything to them by recorded delivery too. The problem is with phonecalls is that anything can be said and there is no paper trail.

They may also refuse to accept any F&F settlement and place the account into default. Keep in mind if this happens it will remain on your wife’s credit reference file (and yours if you are married/financially associated) meaning you will be highly unlikely to obtain any form of credit/re-mortgaging etc for the next 6 years. Is the discount on the F&F worth this?

And finally, if you are struggling with making repayments, consider talking to either Payplan or the CCCS for free impartial advice. Good luck OP :)
1 Like #11
DarloNige
I have downloaded a Draft "F&FP" letter and emailed to the address you supplied.
Fingers crossed I can get these horrible, unreasonable people off my back!

maccy1
You could also try their Head Office number - 0151 432 1000 at least you are not using the horrid 0844 or 0845 number, these numbers, although local cost a fortune on Sky Talk.


Good - I also think it is good that you are sorting it out and not just closing your eyes to it. Believe me plenty of people do. ;)
2 Likes #12
fluffyundacrakas
OP - some very useful info here including a template letter which you can amend to suit your situation.

Bear in mind that you will need to fill out an income and expenditure form, it will save you so much time and hassle as they will quite often stall you and add more interest and charges on your account in the meantime so better to send it off at the start.

In spite of what the lovely maccy has advised, I would say to not communicate via phone or e-mail, keep all correspondence strictly by mail only and make sure you send anything to them by recorded delivery too. The problem is with phonecalls is that anything can be said and there is no paper trail.

They may also refuse to accept any F&F settlement and place the account into default. Keep in mind if this happens it will remain on your wife’s credit reference file (and yours if you are married/financially associated) meaning you will be highly unlikely to obtain any form of credit/re-mortgaging etc for the next 6 years. Is the discount on the F&F worth this?

And finally, if you are struggling with making repayments, consider talking to either Payplan or the CCCS for free impartial advice. Good luck OP :)


Very good advice too fluffy - I think you are correct with the telephone advice, but at least email is traceable. My point really, to start, is to get some sort of communication going between the two. :)
1 Like #13
Good Luck darlo hope all works out for you
1 Like #14
Also take all catalogues out of the house and burn them. The intrest etc on them and store cards etc is shocking, i would never use them.

Hope you manage to get it sorted.
1 Like #15
I would not mention a F&Fs at all yet until a payment plan is in operation. If you do so this will show you have funds available and will raise the question as to why you cannot clear the arrears with these funds.
1 Like #16
You can't work out a % until you can prove what you can afford to pay back (what you pay your others creditors etc...). You will need to show incomings/outgoings and keep everything 'tight'. No point saying you can't afford to pay them of you have just paid for an expensive holiday for example.
2 Likes #17
Thanks again for all help and info.
I will keep you posted with any outcomes!
Cheers
1 Like #18
DarloNige
I have downloaded a Draft "F&FP" letter and emailed to the address you supplied.
Fingers crossed I can get these horrible, unreasonable people off my back!


You say horrible, unreasonable people, but haven't got anything sorted yet. I assume they have only just become horrible, unreasonable people now you have told them you can't afford to pay them back. I bet they were fine when ordering all the stuff? They may turn out to be quite helpful when you get the ball rolling :)
1 Like #19
I have been in communication with them for many months and believe me I have tried!
I can pay them back and are willing to pay them back all I owe in full.
Ordering stuff is easy...you dont need to speak to anyone :D



norfolk_enchance
DarloNige
I have downloaded a Draft "F&FP" letter and emailed to the address you supplied.
Fingers crossed I can get these horrible, unreasonable people off my back!

You say horrible, unreasonable people, but haven't got anything sorted yet. I assume they have only just become horrible, unreasonable people now you have told them you can't afford to pay them back. I bet they were fine when ordering all the stuff? They may turn out to be quite helpful when you get the ball rolling :)
2 Likes #20
DarloNige
What % of the total owed would be a "reasonable" offer?


100%?
If you can afford to make a settlement offer, why can't you pay off the arrears and then sort out a repayment plan? What makes you think you're entitled to pay less than you owe them?
banned 1 Like #21
deek72
DarloNige
What % of the total owed would be a "reasonable" offer?


100%?
If you can afford to make a settlement offer, why can't you pay off the arrears and then sort out a repayment plan? What makes you think you're entitled to pay less than you owe them?

Welcome to Britain 2011 ;)

OP, they wont speak to you on the phone cos its not your account!
1 Like #22
On a spend which is around £1,100, over the past 9 months they have added over £450 in interest!!
Yeah I know my wife etc signed up to this but I believe the interest in silly
Hence I have been in discussion with them for many months and also why payments have not been made and she is in arrears.
Some may say well its our fault and yes I guess it is but I just want an end to it am trying to be reasonable and come to some sort of agreement!
If they turn round and tell me No pay the lot...I guess I will have to

csiman
deek72
DarloNige
What % of the total owed would be a "reasonable" offer?

100%?
If you can afford to make a settlement offer, why can't you pay off the arrears and then sort out a repayment plan? What makes you think you're entitled to pay less than you owe them?
Welcome to Britain 2011 ;)

OP, they wont speak to you on the phone cos its not your account!


Edited By: DarloNige on Jan 25, 2012 14:45
banned 1 Like #23
DarloNige
On a spend which is around £1,100, over the past 9 months they have added over £450 in interest!!
Yeah I know my wife etc signed up to this but I believe the interest in silly
Hence I have been in discussion with them for many months and also why payments have not been made and she is in arrears.
Some may say well its our fault and yes I guess it is but I just want an end to it am trying to be reasonable and come to some sort of agreement!
If they turn round and tell me No pay the lot...I guess I will have to

csiman
deek72
DarloNige
What % of the total owed would be a "reasonable" offer?


100%?
If you can afford to make a settlement offer, why can't you pay off the arrears and then sort out a repayment plan? What makes you think you're entitled to pay less than you owe them?

Welcome to Britain 2011 ;)

OP, they wont speak to you on the phone cos its not your account!



Oh lawd - another bleedin' top poster! oO
#24
??

csiman
DarloNige
On a spend which is around £1,100, over the past 9 months they have added over £450 in interest!!
Yeah I know my wife etc signed up to this but I believe the interest in silly
Hence I have been in discussion with them for many months and also why payments have not been made and she is in arrears.
Some may say well its our fault and yes I guess it is but I just want an end to it am trying to be reasonable and come to some sort of agreement!
If they turn round and tell me No pay the lot...I guess I will have to

csiman
deek72
DarloNige
What % of the total owed would be a "reasonable" offer?

100%?
If you can afford to make a settlement offer, why can't you pay off the arrears and then sort out a repayment plan? What makes you think you're entitled to pay less than you owe them?
Welcome to Britain 2011 ;)

OP, they wont speak to you on the phone cos its not your account!

Oh lawd - another bleedin' top poster! oO
2 Likes #25
ahhhh got ya
I will change to bottom....
1 Like #26
Hi Darlonige

Hence I have been in discussion with them for many months and also why payments have not been made and she is in arrears.

To be honest, you have not helped yourself with the above statement. But you probably know all this now so I will not go on. :)
1 Like #27
The Team you deal with when you are ordering are the 'nice cuddly' lot - as for their Debt Team ! put it this way, you have more chance dealing with 2 vicious Pit Bulls !
banned 1 Like #28
So you don't want to pay what you owe because you believe the interest to be silly, despite knowing full well that would be the case when signing up?

Get a grip - pay them what you owe them
#29
To Fluffyundacrackers and Maccy1
Thats for your help yesterday
The email address paid off.
I sent them an email yesterday asking for some assistance with getting this account closed and paid.
I pointed out that we had been in communication for several months without really making any progress and during this time additional interest charges had accrued which I believed was unreasonable.
Got a call this morning and they agreed that the comms had been rather drawn out and have agreedto take off some of the charges which equates to 20% of the debt!
Made a payment to them there and then and got email back confirming F&F payment!
All good so thank you so much for your posative help and assistance
Thanks to everyone else who also offered advice and support
I owe you both a beer!

Edited By: DarloNige on Jan 26, 2012 10:54
#30
coudnt agree more about this company i am luck enough to be able to pay my issues is about a misdescribed item about 30 -40 emails back anffro NOW TOLD ISHOULD HAVE TAKEN A PHOTO OR PRINTED A PHOTO OF THE ITEM I AM A DISABLED PENSIONER THEY JUST DONT CARE
#31
I keep getting calls despite making a payment and I made formal arrangements to pay the remaining amount on 5th/6th of January....not long to wait...but still from 8am til quite late in the evening, the calls keep coming

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