If you use this company, MAKE SURE YOU DO NOT SWITCH OFF PAPER STATEMENTS. I bought some items on BUY NOW PAY LATER in November and setup a VDD (Variable Direct Debit). I could log onto my account and see the VDD had been setup and could ammend it, so I thought that it was active. The first payment for the goods was not due for a month so I thought that this was more than enough time for the VDD to be activated and payments to start being taken. I thought it was all fine, but in the small print it said that I needed to still make minimum payments to the account. WHY? If my VDD showed as being active and could be amended? I HAVE ALSO GOT A DEBIT/CREDIT CARD REGISTERED ON MY ACCOUNT WHCH COULD HAVE BEEN USED TO MAKE THE MINIMUM PAYMENT. I have recently checked my Credit Score which before this oversight was 985, I now have a poor credit mark against my name and my credit score has now dropped. I feel that if I had not switched off my paper statements I would have got a demand letter for the outstanding minimum payment which was only £5 pounds. I have never missed a payment on anything ever and now thanks to a very poor system I have a credit mark against my name for what I am being told will be 6 years.... I have contacted Very and just got a reply letter saying my complaint was not being upheld. Thank you Very I will be closing my account this week so It can't happen again in the future.