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Very £3.50 missed payment!! Result: Poor credit score...

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  • Marvel1
    Marvel1 Posts: 7,439 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Bogalot wrote: »
    I've never used Very so I took a look at the website to get a view of what you call a "scam". Having viewed the site, I can't see how anybody capable of placing an order can fail to see the information regarding paying the delivery charge. On the BNPL page it states:


    All in a normal size font - it's the main text on the page.

    It then repeats the information in the next box:



    I also went through the buying procedure, to be sure the information is clear. Details about the delivery charge are written in full size font at the point at which you apply for credit.

    Perhaps you could view the site yourself. You appear to be making ill founded judgements without checking your facts.

    Sure people don't know the meaning of the word scam - not yourself.
  • A4445 wrote: »
    It clearly states when you use Very BNPL that delivery and installation are not included in BNPL and your bill would have stated you needed to make a minimum payment of £3.50 it's not Verys fault, unfortunately it seems to be an oversight on your part.:(

    Was going to say the same thing, when I bought my phone I remember reading this as well

    Hopefully it won't have had too much of a negative impact
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
  • GingerBob wrote: »
    Yes, we are constantly informed on this board that delivery charges (perversely) are not included in the BNPL scam operated by Very. I'm betting that it's only T&C train-spotters, many of whom hang out here, who notice this unusual trap. Clearly there is an issue with Very. This board is littered with complaints about Very in general terms and the BNPL scam in particular. It obviously causes great confusion and yet the blighters at Very persist with it. For heavens sake why don't they just include delivery charges in the option?


    OP, when you get it sorted, or even if you don't, close the Very account and send a strongly worded letter to them telling them what a bunch of t****ers they are.

    How is BNPL a scam? I bought my phone off them BNPL and paid it off over the 12 months, then bought a washer with BNPL and have £30 left to pay on that before interest kicks in in december
    Debt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid Off
    Mortgage (01/04/09 - 01/07/39)
    £79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off

    Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
    HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
    Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
    Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20

    Asda Savings - £0

    POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80

    ~ Emergency Savings: £0

    My Debt Free Diary (Link)
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