NDR & VERY Debt Recovery for an item not received help?!

kodiplod

Really appreciate anyones help here!!

I ordered an iPad quite a while back now back in 2013 from Very. It never arrived and I only got an empty box. I complained to very.co.uk and they would not refund me. I contacted my bank and they suggested I raised a chargeback and I got my money back. I kept getting letters from Very stating I owe them the amount and if I do not pay I will be contacted by a debt company.
I contacted my bank and was told not to pay the debt as I had not received the device.

I now have a letter stating I have a default notice because of this amount from Very and NDR debt company. I contacted very again and the debt company, no one is helping me and my credit is still being affected by this. Whoever I speak to I keep getting turned away. I then contacted the head office of Very (Shop Direct) and explained the situation. They replied with lies saying I didn't reply to letters or emails (I did) and that because of the length of time they will not re investigate and I still need to pay the debt and that it may effect my credit score.

What do i do?! I never got the item so why should I pay the debt?! My bank even says do not pay it.
Any info would be great!

DevCoder

Did you follow the companies (Very) complaint procedure? What was the outcome and did you escalate it (to the FOS) if you didn't receive an acceptable response?

rizla_king

You complained in 2013?

http://www.financial-ombudsman.org.uk/publications/technical_notes/six-month-time-limit.htm

GingerBob_3

Here we go again: Very.

This outfit is shaping up to be one of Britain's worst companies. Like all these "credit" providers they hold the credit score axe over your head. "Do it our way, and accept every thing we say, because we are always right, or we'll trash your credit record."

DON'T BUY ANYTHING FROM VERY!

And yet again this is an example of how the credit reference business is out of control and is, in some cases, wrecking people's financial lives.

kodiplod

krisdorey wrote: »

Did you follow the companies (Very) complaint procedure? What was the outcome and did you escalate it (to the FOS) if you didn't receive an acceptable response?

I emailed and called and tweeted them. They stated that the item was sent out. I then contacted the head office and they investigated and concluded that nothing could be done. I reported it to the FOS 2 weeks ago when i received a default notice letter. I did not do anything before that as i was advised by my bank to ignore letters and to not pay anything.

rizla_king

kodiplod wrote: »

i was advised by my bank

Well that was stupid advice.

And ignoring and not paying a debt without resolving the dispute and expecting that not to harm your credit file was a bit naive. Others might have done the same, but you did shoot yourself in the foot there.

happy_bunny_2

FOS is the correct thing to do here.

If very didn't inform you of the complaints procedure etc, they will not be looked upon favourably.

shortcrust

GingerBob wrote: »

Here we go again: Very.

This outfit is shaping up to be one of Britain's worst companies. Like all these "credit" providers they hold the credit score axe over your head. "Do it our way, and accept every thing we say, because we are always right, or we'll trash your credit record."

DON'T BUY ANYTHING FROM VERY!

And yet again this is an example of how the credit reference business is out of control and is, in some cases, wrecking people's financial lives.

Most people on here who have problems with Very could have avoided those problems by opening, reading and paying their bills. The OP's problems could also have been easily avoided.

happy_bunny_2

shortcrust wrote: »

Most people on here who have problems with Very could have avoided those problems by opening, reading and paying their bills. The OP's problems could also have been easily avoided.

Yes, but Verys customer service is abysmal. Many posts on here to back that up. Not everyone is clued up on what to do in the OPs circumstances.

GingerBob_3

shortcrust wrote: »

Most people on here who have problems with Very could have avoided those problems by opening, reading and paying their bills. The OP's problems could also have been easily avoided.

How? By paying for something she didn't receive, on pain of having her ability to obtain credit compromised? That's far from a satisfactory situation.

Nasqueron

GingerBob wrote: »

How? By paying for something she didn't receive, on pain of having her ability to obtain credit compromised? That's far from a satisfactory situation.

The problem will surely always be that Very will simply assume OP took the box, took out the ipad, then complained they hadn't received it (a common ebay scam unfortunately) so they would need evidence of tampering with the mail or broken seals out of the box etc - trouble with tablets being so light, it might not be obvious on receipt vs, say a laptop, that the box was empty and item pilfered - issue will always be proving it - bad situation for both