In a nutshell my credit rating is now poor and I couldn't even take out a credit card if I wanted one. My husband and I can't get a mortgage as I have a default registered under my name for the next 6 years. This is as a result of Very creating a second account and I didn't notice for some time because the direct debit was small at around £5 per month. When my husband and I got a joint account I changed the direct debit to come out of there. Then I was notified by my old bank a direct debit still active. I called Very and asked if there is maybe another account by mistake. Gave them my maiden name, old address but they couldn't find anything and told me to cancel that direct debit. It turns out I did have another account but I found out when my husband received a call from Lowell debt collector. They got his number from the Government gateway! Very excuse is they wrote to me a few times and hands up I didn't open my post because I get inundated with offers from Very and when I opened my post after speaking with Lowell some some were offers and some collecting debt. I work in Care and have been working solidly since COVID with family bereavements. Who wants to open Very letters with offers when you lose someone you love? Even though I was paying one account on time at the same time they didn't match the two addresses and didn't take long to sell my debt for all of £100. BUT it has taken them 3 months to deal with my complaint due to reduced staff because of the virus and say they have looked into it and no record of my calls. My call provider have sent me my call list and financial ombudsman have been notified. This company don't care and need to be stopped!!!