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    Parents having issues closing Very account

    Parents have had an account for about 15 years now and only got it as they are low income(have paid a huge amount more than they bought, say about 10 times) and its been about 8 years since they last bought an item but they took ages to pay it off at minimum payment.

    Anyway its been a nightmare with CS over the years charging them late payment fees for their own errors, i.e mum sending in cheque as soon as the bill arrives but Very taking about 3-4 weeks to cash it then sending late payment charges, or my mum sending it within time but "last minute" i.e 4-5 days before its due to get late charges.

    My mum got her final bill last month and sent a cheque and letter of cancellation recorded delivery, it was cashed right away but Very claim it hasnt arrived and her account is active, so my mum got a copy of a cheque from bank(which took about 3 weeks due to the banks inadequacy) and it has a business account stamp on it but very still claim they havent got it and my parents are lying! the cheque hasnt been tampered with and just has Very in name field.

    My parents are saying they will go to the police and take them to court but I just want to check any other advice they need.

    10 Comments

    Banned

    just keep copies of the last bill, cheque sent, statement with cheque cashed and leave it at that, phone calls cost money, they cant charge her if she doesnt spend on it

    Can the bank track the money, ie see who cashed the cheque and into which account the money went?

    Original Poster

    I dont know as its my parents bank but the cheque has loads of numbers stamped on them and Very claims its not any of theirs.

    My parents have this theory that what has happened is that there has been an admin mix up and because they were cancelling the account at the same time as final payment the cheque and letter was forwarded on to a different department i.e account closures who cashed the cheque but didnt type in what it was for.

    Banned

    if it was addressed to very then they are the only ones who can bank it, send them copies, recorded mail and tell them it has been paid and as far as you are concerned the debt is paid and the account is closed, make sure you keep copies of everything, let them take you to court

    well they can either leave it as it is now, and wait to see if they get another bill from very

    Or they could contact the bank and find if the cheque was actually cashed by very as the bank will know exactly when it was cashed, what account it went into etc

    Original Poster

    winifer

    well they can either leave it as it is now, and wait to see if they get … well they can either leave it as it is now, and wait to see if they get another bill from veryOr they could contact the bank and find if the cheque was actually cashed by very as the bank will know exactly when it was cashed, what account it went into etc



    They have already recieved another bill from Very with late payment charges etc.

    I am not sure about the bank as I think they said the bank can investigate but it takes months.

    sassie

    if it was addressed to very then they are the only ones who can bank it, … if it was addressed to very then they are the only ones who can bank it, send them copies, recorded mail and tell them it has been paid and as far as you are concerned the debt is paid and the account is closed, make sure you keep copies of everything, let them take you to court



    Very will just sell on the debt to a debt collection company rather than court first of all though, so they will get lots of threatening letters and then somebody will eventually turn up to collect items

    Banned

    winifer

    Very will just sell on the debt to a debt collection company rather than … Very will just sell on the debt to a debt collection company rather than court first of all though, so they will get lots of threatening letters and then somebody will eventually turn up to collect items



    not without them going to court they wont

    Original Poster

    winifer

    Very will just sell on the debt to a debt collection company rather than … Very will just sell on the debt to a debt collection company rather than court first of all though, so they will get lots of threatening letters and then somebody will eventually turn up to collect items



    Parents live in Scotland so that cant happen.

    If I were you i would direct them to consumer direct. Ill try and post a link.
    consumerdirect.gov.uk/

    There you go. Direct them to here. They are very helpfull
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