I have had a Very account for ages, choosing to buy bigger items on a 'buy now pay later' basis. Each time I have been asked to pay, I have paid in full and on time. However I recently discovered that I haven't 'allocated' the payments correctly and therefore I have been charged so much interest. Last month £89 on one month!! Very have never advised me that I need to allocate these payments to a certain area on my account. I called them to complain as they owe me lots of money. They agreed to refund me by the 17th November. On the 17th I had an £11 credit, meaning that the appliances I ordered from very have now cost me approx £500 over the purchase price. I am so upset - I havd emailed, called them, written to them....but yesterday I was told by a very rude lady in customer services that my complaint will take until January to resolve, which means more interest added to my account. This is totally wrong. Very are not trading in a transparent way. Please do not every do business with Very as they are NOT trust worthy and they are not reputable, in my opinion. Looking at other reviews I discover I am not alone in feeling like this! So close to Christmas I feel totally violated - they may as well have broken into my house and stolen £500. Their department 'customer service excellence' is a total joke. No one cares about the customer. All they care about is taking money from their customers under false pretences.