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?

Send her a message saying no further payments will be made until you have been given access to the information you need,

whether that be access to her account to see your orders or a copy of all or any emails that show details about orders.
You can find the interest rates in the website surely?

Don't just keep paying her blindly. She agreed to give you this info but hasn't followed though so just make it clear she has to.
If it's all in her name then I don't think she has much leverage here.

Lovely figures @mummmy2017.

See OP - if you can look up dates of your payments on the bank statement and amounts you ordered with dates on your texts, someone else can work it out for you. Then you'll know exactly where you stand and be able to provide the "friend" with those details to prove what you do or don't owe.

Message her now and tell her you want to meet before next month's payment is due so you can see what is outstanding. That gives the two of you a whole month to sort it out. Keep chasing if necessary.

@Abcdefgfedcba That makes her even MORE dodgy, VERY is probably one of the easiest account to view and pay your bills...

As you can see you go on the App click on my orders and it brings up every order then you click on each one it tells you what you ordered and how much it was.

Don't pay her again when she texts next month say something along the lines of "I would really appreciate if you could go into your account click on my orders screen shot them with the prices and forward it to me so I can figure out how much is left so I can pay it of before the interest hits"

If she still says she cant, shes busy etc just ignore her till she does! Any threats contact the police and even better let her take you to court. You have proof of payment and messages of her not cooperating.

Your first payments should of gone on your first orders anyway, so they won't have interest to pay!

say your order was 2k bnpl interest free for 12 months. If you’ve paid 1995 of that order by the time 12 months is up, you still pay interest on the whole 2k, not just the fiver that’s left.

OP, this is important.

Suggest you get in touch with her now and say that before you make any more payments (next month or whatever) you need to see the details of the items you ordered and what's outstanding.

If she gets difficult I would also be tempted to contact Very and explain the situation and see if you could get details of the items sent to your house. If they are resistant you could quote GDPR.

Very has no relationship with op, quoting gdpr will not help her and indeed could stop them speaking to her, especially if deliveries were made in agent's name. Her "friend" has almost certainly broken her contract by allowing others to use her login details, may even be claiming to have been hacked. Op if you see the "acquaintance" regularly (school mum, work colleague?) surely you could just mention it to her. "Did you get my payment , I will only pay more once I've seen the details. Do you need me to confirm my payments made so far? " I doubt you are alone on being chased.

This is ridiculous.

1. Catalogues give benefits to people who have large credit balances. I have known a family member get items for family on their behalf. It worked out because everyone keeps a record.

1. As so many people have said (and you frustratingly ignore) WRITE A BLOODY LIST OF WHAT YOU BOUGHT.

A. List what each item is
B. Next to it write down the current catalogue price

I for one am happy to help you from this point but if you want to be responsible for yourself, once you have this list, work out how much you have paid against what you owed. Then work out if you have fallen outside of the 12 month period and then take the whole balance and add the typical interest for Very.

As stated, if you're outside of the interest free period the payment will go up massively.

Wether or not this person is paying your money to the account or if she is trying it on is irrelevant until you do the above. First and foremost your agreement with her is to pay her for the credit she gave you and wether or not she then paid off 'your items' is not your concern.

I don't know why you are so focused on her actions than aking responsibility and sorting this mess out for yourself.

Stop making payments, and use the filter function in desktop online banking and print out all the payments you've made to her. This sounds fishy

I did think this.
Ask her for a list of all the items you bought and offer to clear the remaining items, so she is expecting a large amount. but do it via messages and get her to sign something to say you have paid in full.
State items bought in last 12 months all paid in full in the required time .
List all payment dates.
Outstanding balance X paid today.
This way you have finished it in full.

I have managed to list most of the items, but the clothing and kids Xmas stocking items I'm struggling with. I also have no idea date wise as I have memory issues due to my health and so am guessing on that.

Also, it's not her I will bump into regularly... Its her husband. Who has already caused issues with someone else connected to my children in a very negative way.

I'm not ignoring my responsibility on this. I just feel very out of my depth.

Thank you to everyone who is helping. My children go to their fathers this evening so I will be sitting down and spending more time on trying to list this. Items with current catalogue prices and go from there.

I just want to get it paid off in full now so that I can move on from this stress.

@Abcdefgfedcba - you said before that you texted her before buying items, so while it might not have items listed your text messages will more importantly have all the amounts and dates. Have you checked those yet?
The payment side is easy from your bank statements, is that done?

@1Morewineplease

This woman isn't an agent. She has a credit account with Very. So she can buy things and pay later. She is allowing her friend's to buy things and pay later. It's the same as using your credit card to buy something for your friend and they pay you back. It's nothing to do with the company. At all.

I would also message her this morning and just say you want to get your finances sorted for Christmas and can she please send you a list of your orders so you can work it out and pay it all off. I know you have asked before. Just keep asking. And if her husband approaches you just say you have asked for a list of what you have ordered, that you are want to pay but need to know what is left to pay off.

I suspect she has gotten into a bit of a mess with it all.

I have changed my mobile phone since then so have no old text messages from her. I also don't keep every text message I send as I like a tidy inbox. So unfortunately I do not have those recorded. Have checked my emails and nothing there either.

Could you write out the list and hand it to her partner, say you need to know if anymore items were bought.
Can she add them to the list and return it .

Do you have the old phone? What type of phoned are the old and the new? There are programmes that will let you recover old text messages via your laptop.

I would contact her saying that you believe you have paid in full. If she thinks you haven't, can she provide the details.

If she becomes threatening call Very and explain situation to them. I suspect she won't want you to do this and will back off. It does sound like she may be scamming you.

This is an utterly bonkers, frustrating and preventable situation.
Judging only from your posts I've got to assume you are classed as a vulnerable person for some reason?
It is basic common sense to keep a tally of purchases made and debts owed.
I don't think anyone on an anonymous Internet forum can help you. Do you have any impartial family members you can contact to help you with this? Failing that you need to seek advice from citizens advice or a financial advisor.

Can everyone stop telling her to call Very. It actually has fuck all to do with them.

The friend has a Very account. You can buy things on credit. She has bought things on credit for other people (e.g. the OP). That is a private arrangement. It has nothing to do with Very. Their credit agreement is with the friend. The bill needs to be paid by the friend. If she wants to recover the money from the OP then that is up to her. It has nothing to do with Very. They won't help. They won't do anything to the friend. They won't even give any information to the OP because it is not her account.

Why are so many people struggling to understand. Reading comprehension on this site really is quite bad.

If the items were delivered to you, there should have been bills of lading in the boxes, they would have had the items and amounts on them. Do you have those? Also, if you've had access to the account until recently, why didn't you keep track of this yourself?

It seems mean to call the friend a loan shark and a scammer when she gave the OP access to the account and she could well have kept track of what she owed herself.

How much does what you remember add up to?

Those I can remember comes to 1,033. I've paid more than that.
I'm sure I paid for things within the 12 month interest free. But she is claiming I owe an addition 2k on top of the above.

This is from my list so far...

2 x small tvs for the kids - 150 each
Laptop - 180
Smart watch - 230
Rug - 81
Kids clothes - 60
Womens clothes - 300
Perfume - 70
Kids Xmas stocking fillers - 100

Ive just made this super outing for myself now.

I do not have my old phone as it was restored and sold.

Lulualla are you having a bad day?

It would be a shame if Very didn't listen to someone who was providing them with information about a customer who was behaving dishonestly and setting out to scam vulnerable acquaintances.

Lulualla are you having a bad day? grin

But she’s speaking complete sense

OP you won't do this ever again will you ?