£4 Arrears with Very.co.uk

MABLE

Chalky87 wrote: »

Hello all,

I check my credit report on a regular basis (using Noddle), and noticed arreas against my very.co.uk account. I went in to my Very account, and immediately paid off the debt (£4). It was for a delivery charge, which I had expected would just be debited from my account (they have my bank details!). I missed the payment date by a month, althought I wasn't sent a reminder. And I used the 'buy now pay in 12 months' offer, which I assumed would apply to the delivery charge as well...unfortunately not.

I contacted Very to see if they could offer some sort of goodwill gesture to take the 'mark' off my account and assumed they may do this with such a small amount. They responded that they cannot, and suggested sending a 'note of correction'.

My question is will this have any great impact on my credit rating? And can I pursue this any further to ask Very to remove the notice from my credit record?

Thanks very much

Chalky

I bought an item on bnpl scheme and assumed the delivery charge would just be added in. It was only me checking my statement and saw payment for delivery was not included in the bnpl amount.

Fortunately I paid it in time but as you know it is easily done and hopefully your post will be a reminder to others when taking out these deals.

fermi

mike0090 wrote: »

Last week my partner checked her credit file and noticed the missed payment has been removed. No idea if very had a change of heart or if the f.o.s has instructed them to remove it. Could even be the case the missed payment has to be removed until the dispute is settled. However I would definitely recommend disputing the missed payment with the f.o.s, you have nothing to lose and and as far as I'm aware it costs the company quite a bit of money.

Did that stay removed?