On behalf of a friend "srs"

sourcrates

absolutereturn wrote: »

Wow, that's some assumption! She may have had the account for years for all we know. Those are quite serious accusations you are making.

Err, it's not an accusation, we are not in court, it's just a hypothisys.

People lie on applications all the time.

Whenever you apply for credit, you have to fill in a few details, income, and source of income, are two of these details.

Any company who grants credit, were the customers only income is benefits deserves to get stung, benefits can be stopped at a moments notice.
I could be completely wrong, it's just a hunch, catalogues have a nasty habit of increasing credit limits after just a few on time payments, certainly not done her any favours by doing so.

desperado88

sourcrates wrote: »

Err, it's not an accusation, we are not in court, it's just a hypothisys.

People lie on applications all the time.

Whenever you apply for credit, you have to fill in a few details, income, and source of income, are two of these details.

Any company who grants credit, were the customers only income is benefits deserves to get stung, benefits can be stopped at a moments notice.
I could be completely wrong, it's just a hunch, catalogues have a nasty habit of increasing credit limits after just a few on time payments, certainly not done her any favours by doing so.

She did not lie sourcrates ,honestly it is not in her nature...she just applied and got,was a few years ago but none the less.

sourcrates

desperado88 wrote: »

She did not lie sourcrates ,honestly it is not in her nature...she just applied and got,was a few years ago but none the less.

..........just goes to show how stupid catalogues can be dosent it !!

These companies deserve all they get in my opinion.

Previous advice still stands, she should try and work out an affordable payment plan, preferably through stepchange.

If the account was opened prior to April 2007, she should do a CCA request to them as well.

absolutereturn

sourcrates wrote: »

..........just goes to show how stupid catalogues can be dosent it !!

These companies deserve all they get in my opinion.

Previous advice still stands, she should try and work out an affordable payment plan, preferably through stepchange.

If the account was opened prior to April 2007, she should do a CCA request to them as well.

That was the reason for asking how long she had the account for.

If it was pre-April 2007 I wouldn't go to Stepchange as they don't challenge debts using the CCA. In any case it's perfectly possible to set up a plan yourself without going to Stepchange, especially if you don't have other creditors.

sourcrates

absolutereturn wrote: »

That was the reason for asking how long she had the account for.

If it was pre-April 2007 I wouldn't go to Stepchange as they don't challenge debts using the CCA. In any case it's perfectly possible to set up a plan yourself without going to Stepchange, especially if you don't have other creditors.

I'm fully aware of that, and wasn't suggesting SC have anything to do with making CCA requests to any of her creditors.

If you read the thread again, you will see the OP's freind may be suffering from mental health issues, and may not be caperble of doing this on her own !!

Quote :

"I know what you are saying but to be blunt she is not the brightest financially and i think she was caught out with their interest TBH.She suffers from depression and its a well known fact that people who suffer from it will try and mask it by trying to cheer themselves up especially with a £6500 limit like she has......seriously though would you lend someone £3500 who has never worked and has no way to repay it?"

absolutereturn

sourcrates wrote: »

I'm fully aware of that, but if you'd read the thread properly, you would of seen the OP's freind may be suffering from mental health issues, and may not be caperble of doing this on her own !!

Quote :

"I know what you are saying but to be blunt she is not the brightest financially and i think she was caught out with their interest TBH.She suffers from depression and its a well known fact that people who suffer from it will try and mask it by trying to cheer themselves up especially with a £6500 limit like she has......seriously though would you lend someone £3500 who has never worked and has no way to repay it?"

Depression is very common and can range from feeling a little sad to having to be held in a padded room without anything you could use to top yourself. It's not uncommon for us ladies to indulge in a little retail therapy when feeling a bit down and I wouldn't call that mental health issues. Of course it could be much more serious than that, we don't have enough info to say one way or other.

desperado88

Thanks all i think i will try and speak to them on her behalf and see how far i get although from what i have read about Very i wont hold my breath.The way i see it they cant take blood from a stone and her child has to come first.She wants to pay her debt but i figure there interest rates are not about that they just want to keep vulnerable people paying forever.

sourcrates

desperado88 wrote: »

Thanks all i think i will try and speak to them on her behalf and see how far i get although from what i have read about Very i wont hold my breath.The way i see it they cant take blood from a stone and her child has to come first.She wants to pay her debt but i figure there interest rates are not about that they just want to keep vulnerable people paying forever.

If she's struggling that much, and from what you've said I suspect she is, she may be better served by paying them £1 a month, eventually they will sell on the debt, shop direct group, who own very, can be difficult to deal with, and demand unaffordable payment plans.

Best to take control herself and just pay what she can afford.

eamon

Very will be viewing her as a profitable customer. She probably has already paid for the items 2-3 times over already and they won't care until she defaults. Its the business model of the catalogue industry.

vlad

desperado88 wrote: »

Thanks all i think i will try and speak to them on her behalf and see how far i get although from what i have read about Very i wont hold my breath.The way i see it they cant take blood from a stone and her child has to come first.She wants to pay her debt but i figure there interest rates are not about that they just want to keep vulnerable people paying forever.

Might not be a bad idea if its done in writing.