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VERY Catolouge trying to give me an Default

edited 30 November -1 at 12:00AM in Debt-Free Wannabe
4 replies 1.6K views
sandeeviesandeevie Forumite
50 posts
edited 30 November -1 at 12:00AM in Debt-Free Wannabe
Hi, I need some advise I received a letter from Very last night saying if I did not clear the amount stated I would be forwarded to the debt department. Now I have been ill for some time now and in and out of hospital, up until then I paid religiously the stated amount every month, When I saw that I could not manage it anymore as I was ill and had to leave work I emailed them asking them if they would accept £50 a month till I was well enough to return to work, I got nothing back but continued to pay monthly I have now received this! What else can I do it cant be helped and I am paying monthly just not the amount they request.
I have emailed them again this morning but have heard nothing
Advice please guys I do not want a default or a stain on my credit
Thanks

Replies

  • sourcratessourcrates Forumite, Board Guide
    22.7K posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Hi,

    I'm afraid it looks like your not going to be able to avoid a default.

    Regardless of the circumstances, you are paying less than the requested amount, so a default will be an enevitable concequence of that.
    This combined with the fact very have appalling customer service, means you may have no choice in the matter.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
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  • David301David301 Forumite
    234 posts
    Phone the number on the piece of paper they sent and discuss the issue. Then ask them to confirm in writing.

    420222
  • dancingfairydancingfairy Forumite
    9.1K posts
    ✭✭✭✭
    You can't pay what you are obliged to pay. Very ( or other company) won't care what the reason is I'm afraid.
    If you can't pay properly then they can add a default to your credit file.
    If you can't pay, you can't pay so you'll have to continue to pay what you can and save your energy for getting better. It's annoying but I don't think there's anything you can do about it.
    A default is not the end of the world, it drops off in 6 years.
    I hope things improve for you health wise.
    Df
    Making my money go further with MSE :j
    How much can I save in 2012 challenge
    75/1200 :eek:
  • MrsMckMrsMck Forumite
    24 posts
    Hi,

    I have a friend who was also sent a default notice from Very. She phoned their collections department and said they were brill. The default hadn't actually gone through yet, it was just the beginning of the process, so was put on hold and a payment plan was set up.

    Hope this helps
    Debt free challenge 2017. Catalogue: £227.31 / £2025.28 (£1797.97 remaining!)
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