To be wary of making any further payments?

[Abcdefgfedcba]

I've been very stupid by not keeping a log of everything and am now in a real pickle.

A friend allowed me to purchase items on a catalogue in her name. This was various items over 12 months. I was not the only person, which means the payments made monthly onto the catalogue were for various peoples orders.

I stupidly didn't keep a record of what was bought and what was paid back.

I've asked a few times now for her to send me information of the total cost, along with payments made towards that. She keeps saying she will do this, but never does.

She's not messaging me up to 10 times a day saying I need to pay at least 100 per month because I owe her over 2k.

Looking at my bank statements I have already paid back over 1k.

I ordered clothing, kids Xmas presents last year, a smart watch, laptop.

Am I Being a terrible person to not want to keep putting money into her bank without seeing proof of how much I owe at least?

I'm worried that I'll end up paying money back indefinitely even after clearing the balance.

I'm grateful that I had the opportunity to buy things on the catalogue, but I just want a statement or something to show where I'm up to.

I now feel harassed and stressed by the constant texts. Should I just put more money into her bank?

I would say to her that you are not paying anymore now, unless she shows you a list of what you ordered and shows you still owe her. If she tries to threaten you call the police.
As a previous poster says, very can not help. Likewise if you had on intrest free and you have paid bit she hasn't allocated the payment to your items that is not your fault.
I hope you get it resolved and don't do anything like this again in the future.

I don't see how you've made yourself 'super outing' OP. No one is going to think 'oh yes 'June' bought two tv's last Christmas it must be her'. There are hundreds if not thousands of people on this site.

In total I have paid back 1270. First order was in October 2018.

@bluebeck

And how is she scamming anyone?

OP has admitted that she has abouthg quite a few items which were very expensive, and then a whole load of smaller items. She only paid back £100 a month, which doesn't sound like enough to have paid it all off before the interest started being charged. If she didn't, then the interest will be doubling what she needs to pay.

The OP was also absolutely in control of how much she spent, and of keeping a record of it. She didn't bother. Up until 5 months ago, she had access to the account so could easily have checked to see if the items were being paid of individually and in the correct order to avoid interest. She didn't.

She bought, bought, bought. She kept no record of what she bought or the amounts. She kept no record of when the interest free ran out. All of that is her own fault.

The friend could be paying masses of interest right now, and OP is still only paying £100 a month. Or the friend could be lieing and keeping the money for herself. But no one knows.

The OP would know if she had kept a record of the things she bought. The deliveries were to her house so she would have had the delivery invoice in each box. But she's thrown those away. The friend probably assumed that OP knows what she has spent and when it need to be paid back.

She Is being difficult about opening up her accounts, but that could be because she is lieing or because she has let so many people do this and is in a lot of debt and doesn't want to admit that. But no one will know unless OP gets a bit more forceful. But whichever way it turns out, it has nothing to do with Very. This woman is not an agent. Very will not speak to OP about someone else's account. It's completely idiot advice, and also redundant after pages of people saying the same thing.

And no I have learnt a very big lesson from this. I stupidly assumed she was keeping a log of it all because she told me she was. I just carried on life without worrying about it and stupidly didn't think of the potential consequences.

Doesn't help that I'm also not the best with numbers or remembering to write stuff down due to health.

To the person that asked I'm not a vulnerable person, I am just a person who fully trusted in her due to her job role as she was working working for me at that time.

Things have gone down hill since I stopped using her for this role, which is now making the current situation more difficult.

The one part of your story that doesn't sit right with me is why why didn't you just open your own very account, to make the purchases? I checked their website and they seem to let anyone make an account.

You have said you where able to use her logins to make your orders so you do n
have the basic know how of how it works.

For me the only benifical reason for you to do it via her account is because you knew you wouldnt be responsible for the final debt if you negated on it.

For her the benefit of you using the account is she had an extra £100 coming into account each month from you and more coming in from other people that she could do as she pleases with it.

If it doesn't make sense, it's usually not true. - Judge Judy.

Dear friend
You offered me 12 months interest free credit on purchases. Since 12 months have not passed since this offer, then no interest would need to be added to my purchase prices
Please find below all items I remember ordering.
List all this .
These are the dates of payments made.
List all your payments .
Unless you can provide further items I have purchased with dates and amounts then it appears I am in credit with you to the tune of X amount.
Look forward to hearing from you with regards to this matter.

Your name.

Send this letter recorded delivery and take a copy for your own records

Just want to add the 100 per month is the minimum I've been paying.
One month I paid 250. Another 450. Another 190. Another 290. When I had spare money I paid that in hopes to clear it quicker than the 12 months.

And no I have learnt a very big lesson from this. I stupidly assumed she was keeping a log of it all because she told me she was. I just carried on life without worrying about it and stupidly didn't think of the potential consequences.

It really seems like you should have learned a lesson from this.

Blue.. I cannot get an account with very. So they don't give them to just anyone. I did try to open one before agreeing to use hers.

I've worked hard to improve my credit rating and it is a very slow process. Maybe the others that ordered through her also.l couldn't get an account with very.

Plus if I wanted free stuff with no come back I wouldn't have been making payments to her would I

I think you have misunderstood @lulualla

My posts are about OP giving Very information - not asking for it. Very different.

Of course it is a scam if OP has ordered £1033 worth of stuff and paid over £1300 already, and the Scammer is asking for an additional £2k.

Are you the person OP ordered from?

So far it's about £1300 . If not all that your friend bought was repaid before end of the interest free period then there will be interest on all of that even if you didn't make the purchases because your friend ordered and paid and you paid her back month by month. You do need to speak to her face to face and both of you look at a list of what you've bought and how much your share of the debt it because all of the people who bought stuff via her 'owe' her the money. Although legally it's her sole responsibility

@bluebeck

I'm inclined to take that total with a pinch of salt, since OP didn't keep a record and has admitted to having memory problems.

Why would Very care? The purchases are in the name of the account holder. The payments are being made by the account holder. Why would they care if she ordered them for a friend or if she is pretending they cost more? It has nothing to do with them. If they did care, then they and all other credit companies) would need to forbid their account holders from ordering items for someone else. They won't do that. They'd lose customers and money. Very won't care. It has nothing to do with them.

Abcdefgfedcba even if you do still have items outstanding they will be ones bought closest to today, so still not a year ago
Write the letter I have shown above and send it too her .
Take a few copies.
Keep a copy in your handbag, if the husband approaches you take it out hand it too him and say, look I have cleared all these items, your wife needs to let me know if there are other items, or I think this matter is closed .
If he tries to talk to you a second time, you smile and say has wife sorted out the account yet, as I still think I have paid for everything .

Does very give everyone the same credit limit? I ask because I know she hit that limit as she sent a text out to everyone who ordered stating that no more orders could be made under the balance went down. Asking for people to try and pay it off faster so it could be used again. Yet the person who owned the account never seemed to use it herself.

I also used to give her a pre paid bank card that my commission went onto, for her to spend as she pleasured. So I suspect I've paid back more than the above, as this was supposed to be used for her own spending and her them pay that amount on the account. I'll see if I can remember the login details and view how much was spent where.

Oh Jesus Christ. So as well as ordering stuff without keeping a record of the total or of the interest free end date, you also gave her a bank card to spend as she liked without agreeing amount, or writing them down and deducting them from your total.

This is a complete mess and you really aren't covering yourself in glory here. You've been an idiot. It's really not on her. This is on you for not keeping records. I hope you aren't in charge of any other finances or God help you.

You need to message her and her husband and say that you have calculated that you have paid off your items in full within the interest free period (even if not 100% sure) and if they expect anymore money off you they need to show you the evidence of what they believe you how and how.

I wonder if you can take them to Judge Rinder!!!

Either they are loan sharks or they are too incompetent to calculate who owes what.

You know when the account no longer functioned, could it be your friend defaulted on the account and has kept all the payments.
They are chasing her for the balance and she wants you to pay it ..

@Abcdefgfedcba - I think you need to add up your payments to her again, because what you're saying now doesn't add up to £1270. Can you post a list of all the payments?

What you want to send the "friend" is:
Dear Friend,

I started ordering via you in October 2018, so we are still within 12 months where no interest is payable. I have reviewed the balances myself and can confirm that full and final payment has already taken place. I would like you to agree the balance on the amounts spent / paid to bring this to a close and get a refund of the amounts I have overpaid.

The items I have bought come to £x:
(List as before, but don't round up the numbers if you have any exact amounts e.g. £149.99.)

I have paid you £y in total from my payments on the following dates:
(List date, payment amount)

Please verify all the items delivered to my address with total costs, as well as the total amounts I have paid you; if you think I missed something then send me a picture of the Very statement with my delivery address to confirm it. Otherwise by my calculations I have overpaid, so you owe me £z, please refund it to my account (00-00-00 00000000) as soon as possible so that we can close this matter.
Thanks
Abcdefgfedcba.

There are only a few days left until the end of the year interest free period is up and then you might really be liable for all the extra interest. You need to get this sorted within that year. CAB first thing Monday morning.

I also used to give her a pre paid bank card that my commission went onto, for her to spend as she pleasure
Oh dear god, what is this about now? Cancel that card more and get the balances on a statement. Why did you let her spend money, how is that linked to this Very account?

To the person that asked I'm not a vulnerable person, I am just a person who fully trusted in her due to her job role as she was working working for me at that time.

You employed her? You own a business?

OP get your self down the. citizens advice centre as a starting point.
My own advice would be: Once you’ve been through all the figures I’d send your friend a message/email/letter (or all 3) with:

1. Your understanding of the initial agreement
2. A breakdown of what you think you spent and when
3. The repayments you have made and when
4. The difference
5. The attempts you have made to request a statement of items brought and balance outstanding from her

I would then advise her that you will be clearing the balance next month if there is a deficit or ceasing payments if there is a surplus. Give her a time period in which to respond, for example, ‘please respond by the end of the month with your agreement to these figures or outlining any discrepancies you believe exist’. Good luck.

Send the letter that the other poster has written and see what she comes back with. You're being taken for a mug OP. Do not make more payments til she clarified

I just don’t get this.

There is only one person who is genuinely vulnerable in this scenario. The “friend”. The account is in her name. She is liable. She’s relying on the OP to repay her.

At any point could just say “I’m done paying”.

Very don’t get a toss about the OP. There interest is only in the friend and what she owes them.