They have caused damage to my credit report at the most inconvenient time. I'm currently going through the process of securing a mortgage to purchase a house and the negligence I have experienced resulted in additional financial burden for me for the years to come, which is unacceptable. Very's organisational decisions resulting in lack of prompt action directly affected my ability to take out a mortgage on preferential terms adequate to my (previously) excellent credit score. While I understand that all businesses struggle at this time it is only fair that Very live up to their reputation and take corrective action. I have had an account with Very for 16 months. I have always made payments on time. This month, when I attempted to pay, the system showed an error and the payment did not go through. In the following days I tried to call to resolve the issue. It was incredibly difficult to get through to Very's customer service, as apparently the company is extremely busy at this time due to Coronavirus. I spent hours on the phone trying to get through to your officers. Failing to do that, using the automated options in their phone service, I requested call backs. For some reason I would then get voicemails without the calls ever coming up on my mobile. After a number of attempts finally managed to get connected to one of their customer service officers on the 3rd November 2020. On the call, I was informed that the payment did not go through on time and I will have that reflected on my Experian/Equifax credit report. I enquired whether settling the account in full would stop this from happening. I was told that it's in the system and it cannot be overridden. I decided to settle the account and close the account regardless to avoid this issue happening in the following month. I settled the full amount on the 4th November 2020. On the 15th November my Equifax account was updated, showing that not only is my account not settled, but it's also in arrears and I have a missed payment. This also affected my Experian credit score. Furthermore, on 4th December by Experian was updated again still showing that the account is open, when I specifically asked for it to be closed. AVOID LIKE THE PLAGUE