Very Buy now Pay Later nightmare

Mr_Singleton

smithers1981 wrote: »

Thanks for replies seems i'm a doofus hey ho will put it down to experience pay it off and close account.

Send the item back. Distance selling regs

Second_Account

Mr_Singleton wrote: »

Send the item back. Distance selling regs

Considering that they have received their first statement and had many replies from Very the 14 day window will have definetly closed already.

Hasbeen

DoaM wrote: »

And the kick in the cojones is ... even with the cashback you'd have paid over the odds for the laptop. Without it you've paid top dollar for a budget item.

And because you waited so long, you no longer have any "change of mind" returns rights.

Its perhaps worse?? as OP has not mentioned entering code for new credit accounts to get £20-£25 credit to account or any mention of cashback from cashback sites??:(

smithers1981

Just an update had email from Very this morning saying £100 cashback has been credited.

Hard work but good result for me am now happy as had written off the £100.

cono1717

smithers1981 wrote: »

Hard work but good result for me am now happy as had written off the £100.

Or, just another way to look at it, a company going above and beyond to keep customers happy. Customers that make their own mistakes.

Just a thought.

JJamesJJ

I purchased a laptop for £1000 from Very and opted for By Now Pay Later.
The APR was a hefty 39.9% but I agreed as I knew I could pay before the 12 months interest free was up. But a year later, 3 days after the end of the interest free period I had forgotten to settle the balance. I was charged £300 for an honest mistake.
Very were unhelpful , had poor quality phone help lines and non UK staff (ie communication was very poor) and hid behind the Terms and Conditions but:
1) First point is the extortionate penalty levied.
2) The second point is the emails sent every month to tell me about statements did not remind me of the due date or APR which is useful to be reminded of (12 opportunities to remind me).
3) The third point is the on-screen statements is just the outstanding balance...nothing to tell me about the ridiculously extortionate penalty and due date.. until the final month (in my case December when we are all busy). The info is only in the downloadable pdf...surely the same info can be on screen!
4) The fourth point is Very has the technology to send me promotional offers by text message every month but nothing to remind me about the penalty or due date.
This was an honest mistake but Very did the bare minimum to remind me or allow me to atone for it.
I paid the balance and closed the account and will not deal with them again. These are tactics I expect from a small two bit company, not thre Littlewoods group. Phillip Green number two.

smithers1981 wrote: »

Hi saw advert for Acer Laptop on Very website with £100 cashback if i buy now pay later.

Opened Credit account specifically to purchase this Laptop to get £100 cashback, i added it to my account and checked out without paying.

Statement arrives and they want £24 minimum thought this odd as only expected to owe delivery in first month.

Turns out i hadn't ticked buy now pay later at checkout, had webchat with Very who was actually rather rude told me no cashback and my own fault, escalated complaint, had phone call advisor put me on 'buy now pay later' and requested cashback from finance department.

Had further email saying i'm not eligible as not ticked on checkout, rang them once more advisor said he had requested cashback for next statement, had next statement and still no cashback.

Tried twitter but told not eligible as not ticked on checkout.

Previously i have purchased from Very and paid on checkout, i thought that by opening credit account i was buying now and paying later.

i feel cheated by what i thought was a reputable company, but they are refusing to honour the cashback.

Would this be a matter for the financial ombudsman, i have screenshots of advert which misled me as well as emails, web chat and twitter conversations.

marliepanda

Tough.

You forgot! Millions of ways to remind yourself...

soolin

I suspect these buy now pay later schemes rely on a certain number of people not bothering to make a diary or phone note to pay things off in time. However, you were told about the interest rate so the interest applied shouldn't have been a shock.

Unfortunately your mistake has cost you a great deal of money.

SnowTiger

JJamesJJ wrote: »

I purchased a laptop for £1000 from Very and opted for By Now Pay Later.
The APR was a hefty 39.9% but I agreed as I knew I could pay before the 12 months interest free was up. But a year later, 3 days after the end of the interest free period I had forgotten to settle the balance. I was charged £300 for an honest mistake.
Very were unhelpful , had poor quality phone help lines and non UK staff (ie communication was very poor) and hid behind the Terms and Conditions but:
1) First point is the extortionate penalty levied.
2) The second point is the emails sent every month to tell me about statements did not remind me of the due date or APR which is useful to be reminded of (12 opportunities to remind me).
3) The third point is the on-screen statements is just the outstanding balance...nothing to tell me about the ridiculously extortionate penalty and due date.. until the final month (in my case December when we are all busy). The info is only in the downloadable pdf...surely the same info can be on screen!
4) The fourth point is Very has the technology to send me promotional offers by text message every month but nothing to remind me about the penalty or due date.
This was an honest mistake but Very did the bare minimum to remind me or allow me to atone for it.
I paid the balance and closed the account and will not deal with them again. These are tactics I expect from a small two bit company, not thre Littlewoods group. Phillip Green number two.

Nonsense.

Very notify customers when a new statement is available by email and text message.

I have an outstanding BNPL purchase.

A reminder about when BNPL purchases should to paid to avoid interest is shown like this online until paid:



And is shown like this on statements until paid:



You received (notification of) twelve statements. Each of those statement told you the date you should pay for your computer to avoid paying interest.

Perhaps you should have used your fancy new computer to view your Very account and statements from time to time, rather that use it for Facebook and playing games.

You said "Very did the bare minimum". You did less than that. Twelve months, twelve statements, and you didn't view one of them.

Pollycat

JJamesJJ wrote: »

I purchased a laptop for £1000 from Very and opted for By Now Pay Later.
The APR was a hefty 39.9% but I agreed as I knew I could pay before the 12 months interest free was up. But a year later, 3 days after the end of the interest free period I had forgotten to settle the balance. I was charged £300 for an honest mistake.
Very were unhelpful , had poor quality phone help lines and non UK staff (ie communication was very poor) and hid behind the Terms and Conditions but:
1) First point is the extortionate penalty levied.
2) The second point is the emails sent every month to tell me about statements did not remind me of the due date or APR which is useful to be reminded of (12 opportunities to remind me).
3) The third point is the on-screen statements is just the outstanding balance...nothing to tell me about the ridiculously extortionate penalty and due date.. until the final month (in my case December when we are all busy). The info is only in the downloadable pdf...surely the same info can be on screen!
4) The fourth point is Very has the technology to send me promotional offers by text message every month but nothing to remind me about the penalty or due date.
This was an honest mistake but Very did the bare minimum to remind me or allow me to atone for it.
I paid the balance and closed the account and will not deal with them again. These are tactics I expect from a small two bit company, not thre Littlewoods group. Phillip Green number two.

But you didn't pay before the 12 months interest free was up, did you?