Aargh!! Forgot to pay Very (Littlewoods) Bill

Toptrumpet13/10/2018 12:10

@AnimeDude92 You do realise that this thread is 9 years old now.

And yet we still don't know whether OP was whacked with a late payment fee.

AndyXCite13/10/2018 12:30

And yet we still don't know whether OP was whacked with a late payment fee. …And yet we still don't know whether OP was whacked with a late payment fee. Read lessRead more

Sorry, been a bit busy so forgot to say - no late payment fee!! lol!

@AnimeDude92 You do realise that this thread is 9 years old now.

melmorc6 h, 44 m ago

Sorry, been a bit busy so forgot to say - no late payment fee!! lol!

A bit busy for 9 years

AndyXCite13/10/2018 12:30

And yet we still don't know whether OP was whacked with a late payment fee. …And yet we still don't know whether OP was whacked with a late payment fee. Read lessRead more

Do bears shit in the woods? Is The Pope Catholic?

uk.trustpilot.com/rev….uk

What do you think?

melmorc13/10/2018 16:58

Sorry, been a bit busy so forgot to say - no late payment fee!! lol!

Oh.. I guess you must have won the lottery jackpot then? (edited)

I think they give you a few days grace - email them thru cust. services and explain it's on it's way... best still phone n pay by DC
Admin charge for late payment is usually £12

should just setup a direct debit

Well that'll learn ya lol

If you do get a charge and it is your 1st charge.

They will probably refund it as a goodwill gesture.

Ask to speak to the arrears team if you ring.

Missing Payments
Missing payments could have severe consequences and make obtaining credit more difficult.

Administration Charges
If you fall behind with your payments, we reserve the right to impose a charge to cover the cost of any action we may take. We will be entitled to debit your account with any costs incurred by us in respect of any missed or insufficient payment, including but not limited to dishonoured cheques, failed direct debits and recharged card payments. Payments received will be applied first in payment of insurance, interest and other charges as shown on the last statement and thereafter in the reduction of the current balance. Administration Charges:

* Copy statement - £5
* Immediate credit file update - £5
* Letter confirming clearance of your debt - £12
* Transfer of your balances - £12

Default Charges - Charges are payable by you in respect of the following matters:

* You fail to make at least the minimum payment by the payment due date - £12
* For any debt collection activity we undertake - £12
* Debtor Trace - £25
* Any cheque, direct debit or other item for payment into your account that is unpaid or dishonoured - £15
* Temporary payment arrangement letter fee - £12
* Transfer of your debt to a debt collection agency - £25
* Any court fees & costs incurred by us in pursuit of arrears



]http//ww…=06

Naeem786;6478825

£25 flat charge for late payments!!!

Blimmin eck!

Bri8463;6478828

I think they give you a few days grace - email them thru cust. services … I think they give you a few days grace - email them thru cust. services and explain it's on it's way...Admin charge is usually £12Read lessRead more

Hope so! I did call but she said to wait and see and then call

renown;6478830

Well that'll learn ya lol

The correct phrase is "That'll teach ya" I know cos I've just said it over and over!!!:-D

DLM;6478840

If you do get a charge and it is your 1st charge.They will probably … If you do get a charge and it is your 1st charge.They will probably refund it as a goodwill gesture.Ask to speak to the arrears team if you ring.Read lessRead more

Hope so

melmorc;6478856

Hope so

Just explain that you forgot and you definately won't forget again.

They are usually sympathetic if it's your 1st charge.

The correct phrase is "That'll teach ya" I know cos I've just said it over and over!!

Yeah but that's not nececelery correct as i say

Thanks for reminding me OP. Mines was due in a few days, so your post reminded me to pay else I would have got an administration charge! Thank you.

When Additions messed up my direct debit & didn't take the payment on time, they charged me a £12 late fee & about £10 in interest! :x

Took quite a few phone calls to sort out. Good luck, you'll definitely need it! x

If you only 1 day late you will be fine if you did it online. You always get a few days, I have forgotten a few times, it hurts to eat the £12 but if I screw up I gotta take the penalty.

id never pay for anything in insallments
if iu aint got the cash i won't buy it
good luck with trying to convince them
change to direct debit but again make sure youve got money in the bank to pay that too otherwise the banks will b charging you instead

You will be fine, ive been a few days late before and not got charged

I have forgotten and my payment is due on the 30th December if I pay it in the day it's due will i get a charge

Zoey21xx

I have forgotten and my payment is due on the 30th December if I pay it … I have forgotten and my payment is due on the 30th December if I pay it in the day it's due will i get a chargeRead lessRead more

no you wont get charged ,only charged if its later than the date given

Zoey21xx

I have forgotten and my payment is due on the 30th December if I pay it … I have forgotten and my payment is due on the 30th December if I pay it in the day it's due will i get a chargeRead lessRead more

If you are 7 years late you get up with a ban

Lol I forgot to pay mine (so busy and usually payon time by the date) checked this morning and did min payment so fingers crossed about that gracing period, never missed the payment date, ever

Isn't this the business model of credit

Toptrumpet13th Oct

@AnimeDude92 You do realise that this thread is 9 years old now.

AAAAAANNND it still applies through very/lws current t&cs, right?

melmorc13th Oct

Sorry, been a bit busy so forgot to say - no late payment fee!! lol!

Better late than neverlol

melmorc13/10/2018 16:58

Sorry, been a bit busy so forgot to say - no late payment fee!! lol!

Hope you can help.. Maybe nothing really. Been so focused on other things. My dad hasn’t been well so I was like crap I missed payment said by 20th November. Normally do via account online Slipped my mind. I paid it 0:11 this morning and cleared it. Worried I will get a late payment charge and bad credit score. Guy at very said probably not after working 3 years. My account balance is low now as paid two remaining BNPL anyway. Some say they have grace period and you can get away with 1/2 days?

Thanks (edited)