Just a note to say that if you find yourself having problems with VERY debts then they are very nice to speak to in the arrears department.
As soon as you think you are getting into problems - eg. when the interest free period ends and it suddenly ramps up to £250 a month whereas you were paying £50 a month previouslu - RING THEM.
Tell them you are struggling and they will recommend STEPCHANGE and will put your account on hold for 7 days. Then speak with Stepchange who will go through your financial situation and recommend token payments or a debt management plan etc. You can then ring Very back with a reference number from Stepchange, which will then put your account on hold for a further 28 days until you get things set up with Stepchange.
Stepchange are also very nice to talk with, and non judgmental, totally.
If your circumstances aren't 'bad enough' to go to a DMP then VERY will accept a reduced payment and put interest and charges on hold for a short period for you.
It is worth speaking with them rather than hiding from it, and the phone and panicing about the rate the debt is increasing, and definitely better than waiting for debt collection and court claims.
Just thought I'd mention that anyway - hope it helps someone before a problem gets out of control. 37% - 50% interest rates rack things up bloody quickly if you hide form it.
As soon as you think you are getting into problems - eg. when the interest free period ends and it suddenly ramps up to £250 a month whereas you were paying £50 a month previouslu - RING THEM.
Tell them you are struggling and they will recommend STEPCHANGE and will put your account on hold for 7 days. Then speak with Stepchange who will go through your financial situation and recommend token payments or a debt management plan etc. You can then ring Very back with a reference number from Stepchange, which will then put your account on hold for a further 28 days until you get things set up with Stepchange.
Stepchange are also very nice to talk with, and non judgmental, totally.
If your circumstances aren't 'bad enough' to go to a DMP then VERY will accept a reduced payment and put interest and charges on hold for a short period for you.
It is worth speaking with them rather than hiding from it, and the phone and panicing about the rate the debt is increasing, and definitely better than waiting for debt collection and court claims.
Just thought I'd mention that anyway - hope it helps someone before a problem gets out of control. 37% - 50% interest rates rack things up bloody quickly if you hide form it.
VERY ( shopdirect ) account arrears ? Don't panic - Debt Management
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