Items purchased and delivery - spot on. I signed up to an Account to purchase an oven for my new kitchen. Normal behaviour for e-commerce purchase. What REALLY concerns me is the fact I have unknowingly signed up to an "Account" with 44.9% APR!!! I thought I had purchased the items on my credit card (nicely 0%! on all purchases for 31 months which is testament to why I'd NEVER have even thought to apply for any credit with Very let alone actually applied!!) My item was 'paid for' and delivered 3 days later, excellent! Only by chance I opened an email from Very which stated I owed a minimum payment - as the purchase was seemingly complete in my eyes, every email from Very would thus be some meagre attempt at marketing (I'll delete my marketing settings another time I said to myself!) But on the off chance I actually opened one of these email, it stated I owed a monthly payment, and to set up a direct debit....I fell off my chair! After hours on the phone getting passed pillar to post, I have made two complaints, one not taken seriously, so I rang back and spoke to someone who did take me seriously. I'm bothered about the really disturbing fact that I could ha ve had a very expensive account on my hands, unknowingly, no T&Cs signed, no letters in the post to back up such credit, NOTHING! But I'm worried for others who arent aware and arent in my position where sorting an expensive bill immediately and are trapped in a 44.9% APR account!!! There needs to be a complete recall of this product and the ordering process needs to be made MUCH clearer. I work with IT systems and savvy to e-commerce and UX - if I can think I paid out right for something, I recon 99% of other customers would too. I cannot believe Very can get away with this and the staff are just so unaware of how their product works (I did another application with my work email whilst on the phone, couldnt believe it!!!) Or theyre playing dumb and working on commission?? Who regulates this company - well, whoever, they need to bloody regulate it and get it into shape. Really disappointing experience. To top it off - theres NO EDIT or DELETE ACCOUNT setting - so I'm stuck with it, well only until an investigation is done and I take this to the FCC and Financial Ombudsman. VERY YOU BUNCH OF FINANCIAL BULLIES.