Send back the shoes? Very.co.uk

JasperW3

Using a Very account I purchased some trainers for £90; after a couple of repayments I was caught out by their 28 day payment cycle. Admittedly I fell behind a couple of months but rectified this by way of agreed managed repayments. For 3/4 months they kept sending me letters saying I was in arrears. After a lengthy phone call one evening it turns out they'd actually placed my first repayment on my account before they'd set up the agreement. Again I was caught out by their 28 day payment cycle, to which they were completely inflexible. With my nonpayment of the account it has been passed to a debt collection agency who are requesting I pay £133 to clear the balance. I had only paid £73 in total to Very.

So whilst I appreciate it is my debt and interest has gone onto the account I have refused to pay £200 for a pair of shoes. I have offered them the difference between what I have so far paid and the original amount of the trainers, which they're not accepting. So offered to send them the (worn) goods back which again they've declined, surely this is no different to not paying a mortgage/car and regardless as to whether it's been used/lived in it's still repossessed. They've offered no compromise and I wondered where I stand with what I've offered them?

halibut2209

They can either accept your offer, or pursue you through legal channels for the £133

And your house/car comparison is nonsense

JasperW3

halibut2209 wrote: »

And your house/car comparison is nonsense

Please explain how the comparison is nonsense.

~Beanie~

With a house/car repossession they can resell it and use the proceeds to reduce what you owe them. They can hardly do that with a pair of second hand trainers can they.

JasperW3

~Beanie~ wrote: »

With a house/car repossession they can resell it and use the proceeds to reduce what you owe them. They can hardly do that with a pair of second hand trainers can they.

I understand what you're saying but is that 'the law' or are you just saying that. My counterargument to that would be the much sought after second hand market.

It is most certainly an item that can be resold to recover any monies towards what is owed. It's not an item of food that I've consumed or used tissues for example.

Gleeful

Gotta be a troll, surely? If not, then I worry about the world.

McKneff

Why is it always somebody else's fault.... sigh,

Cycrow

the difference with a car/house is that the loan/debt is secured against it.

store credit is not secured on the goods.

if you get an unsecured personal loan to buy a car, then you cant simply send back the car the cover the loan, and the bank certainty wouldn't accept the car as part/all payment.

you would have to sell the car yourself then use the money to pay it off, the same as you can do with the trainers

Gleeful

Cycrow wrote: »

you would have to sell the car yourself then use the money to pay it off, the same as you can do with the trainers

I believe there is quite a demand for used, smelly trainers, so the OP may be alright then!

JasperW3

Gleeful wrote: »

Gotta be a troll, surely? If not, then I worry about the world.

Get stuffed. I came on here for advice, I think differently and outside the box and in the absence of being able to find an answer I posed a question I have no idea of the answer to. Isn't that the whole point to forums?

JasperW3

McKneff wrote: »

Why is it always somebody else's fault.... sigh,

I clearly admitted I am at fault and have missed payments but at the same time some flexibility from the other party would be nice. Unfortunately this world isn't black and white and we don't all live or operate our lives the same way.