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Your Very Pay Account Number: 57103711

Summary No: 12
%%Env_Seq_no %%batch %%Bag_No %%SSC %%Walk_Sort %%Jobid %%Zonal Summary Produced on: 7 Feb 24

Mrs A Pathak 6 100 ANY NEW TRANSACTIONS AFTER THIS DATE WILL APPEAR
ON YOUR NEXT SUMMARY
32 Suffolk Road
Andover
Hants
SP10 2JX

YOUR VERY PAY SUMMARY

Date Description Amount
Your minimum
payment
Your Total from Last Month £0.00
£7.23

TAKE 3
Purchases, Charges and Adjustments £103.20

Total Transactions £103.20

payment This is the summary of all the items ordered, returned or any other adjustments in the
£34.40 month.

7 Feb 24 Your New Total £103.20

Estimated Interest for next statement is £6.04
Your overall credit limit
This is an estimation of interest only. Any transactions or changes to the account
£400.00
during the next month may result in a change to the interest charged to the account.
Your payment request is calculated on a balance of £103.20

Available to spend
today
£296.80

Your current total

£103.20

Your payment of £34.40 will be taken automatically from your account by Direct Debit on
This includes or just after 27 Feb 24. This will appear on your bank statement as Shop Direct Group
£0.00 along with your account number as the reference.
Buy Now Pay Later
Purchases To manage your account visit www.very.co.uk

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 Choose how you want to pay!
NEVER MISS A PAYMENT PAY WHEN YOU'RE OUT AND ABOUT
By Direct Debit
Set up a Direct Debit online. You can do this anytime in My Account. Take your payment slip and cash (limits may apply) to any PayPoint Outlet.
Payments will show on your account within two working days.

VIA OUR WEBSITE At the Post Office

Online Take your payment slip and payment to any Post Office. Please make
Make your payments online 24 hours a day, 7 days a week. Payments cheques payable to Post Office Ltd. Payments will show on your account
will be shown on your account the same day. within two working days.
For security reasons we cannot accept payments made whilst abroad.
At your Bank or Building Society
Take your payment slip and cash or cheque to your bank or building society.
PAY FROM THE COMFORT OF YOUR OWN HOME Please make cheques payable to Very. Payments will show on your account
Home Banking within two working days. Please note, not all banks offer an over the counter
Contact your bank quoting our sort code 62-25-61, our bank account bill payment service.
number 0000 0000 and your 8 digit personal account number found at
the top of your statement. Payment made using the faster payment
service, prior to 6.30pm, should show on your account on the same
working day.
By Phone 0800 11 00 00
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Your Very Pay Account Number: 57103711

Summary No: 12

Summary Produced on: 7 Feb 24

ANY NEW TRANSACTIONS AFTER THIS DATE WILL APPEAR

ON YOUR NEXT SUMMARY

YOUR VERY PAY STATEMENT

Date Item No Description Amount

Your Total From Last Month £0.00

Items You've Ordered

19 Jan 24 MHR9Y9E Henry Compact Hvr160 Bagged Cyli Red £103.20
7 Feb 24 Your New Total £103.20

If you do not pay off the full amount outstanding, we will allocate your payment to the outstanding balance in a
specific order, which is set out on the reverse of your account statement. The way in which payments are allocated
can make a difference to the amount of interest you will pay until the balance is cleared completely.

MINIMUM PAYMENT

If you make only the minimum payment each month, it will take you longer and cost you more to clear your
balance.

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 Automated Customer Service Line
0800 11 00 00
You can use this service to: •Make a payment •Check your balance
Allocation of Payments:
Except for payments you target to specific BNPL Transactions, any payments made
under this agreement will be applied in paying off different amounts owing on the
account in the order set out below. At all times we will prioritise higher interest rate
transactions first and if you have multiple transactions at the same interest rate we will
apply payment to the oldest transaction first;
· any default charges (including, first, any arrears);
· any other arrears;
· any amount due within the Take 3 Payment to satisfy the amount required for the
Take 3 Facility;
· any amount due for transactions on the Standard Facility that do not qualify for the
Take 3 Facility, including BNPL Transactions for which the delayed payment period
has ended;
· transaction balances on the Standard Facility that qualify for the Take 3 Facility;
· transaction balances, including BNPL Transactions for which the delayed payment
period has ended that do not qualify for the Take 3 Facility;
· BNPL Transactions for which the delayed payment period ends in the current
statement period;
· any new transactions excluding BNPL Transactions;
· BNPL Transactions for which the delayed payment period continues beyond the
current statement period, starting with the BNPL Transaction which will become
due for payment next;
· if you have a Persistent Debt Plan the payment allocation rules will operate as
above except that payment will be made to a Persistent Debt Plan before Standard
Facility Transactions at the same interest rate.
Identity theft: Shop with Confidence
We take security of your personal data very seriously and we would never ask for your
account details by email. If however you feel your details have been compromised,
contact our dedicated Identity Theft Team, where you will be assigned a personal case
worker who will deal with the matter for you. They can be contacted at; Identity Theft
Team, Sandringham House, Sandringham Avenue, Chelmsford, CM92 1LR, 0800 0151
290 or alternatively you can complete an ID Theft Form on the website.
Happy with our Service?
We always aim to provide quality goods and first class service but recognise that, on
occasion, you may have cause for complaint. If you wish to provide feedback on any
aspect of our service or goods we provide, you can either:
• Call us on 0800 11 00 00 and ask to speak to an advisor, or:
• Contact us through our website at www.very.co.uk
Dispute Resolution
If you have a problem with your agreement, please try and resolve it with us in the first
instance. If you are not happy with the way in which we handled your complaint or the
result, you may be able to complain to the Financial Ombudsman Service. If you do not
take up your problem with us first you will not be entitled to complain to the
Ombudsman. We can provide details of how to contact the Ombudsman.
Shop Direct Finance Company Limited. Registered number 4660974. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool L70
1AB. Authorised and regulated by the Financial Conduct Authority.
The annual standard interest rate for your account is 54.9%
Interest rates charged on this statement
1) Standard Facility 2) BNPL Transactions (delayed
payment period) Interest
3) Persistent Debt Plans
The per annum interest rate(s) above apply to the interest
charged on this statement.
1) Interest for the Standard Facility will be charged on the
relevant transaction balances from the start of the statement
period, or the date the transaction is charged in the
statement period, or the date the transaction is charged in
the preceding statement period. Interest is calculated on the
daily balance and will be compounded daily. It is charged to
the account every month, so you may be charged interest
on interest.
2) The lump sum of interest for the delayed payment period for
BNPL Transactions will be charged to your account upon
the expiry of the delayed payment period. Interest is
calculated from date of order and is compounded daily (so
you are charged Interest on Interest). This lump sum will
attract further interest going forwards, meaning you will be
charged interest on interest.
3) For balances on a Persistent Debt Plan, interest will be
calculated on the daily balance at the interest rate we told
you about when the Plan was set up and will be charged to
the account every month.
Estimated interest is the amount of interest (including the lump
sum of interest for BNPL Transactions not paid off in full during
the delayed payment period) that will be charged to your account
on the next statement should the outstanding balance of your
account remain unchanged and you pay the minimum payment
on the due date.
Remember, if you only ever pay the minimum payment, it will take
you longer to pay your balance off and you will be charged more
interest. So, the quicker you pay and the more you pay, the less
interest you will pay.
If you require further information please contact us on
0800 11 00 00.
Monthly Payment
The minimum payment due every month will be the amount
notified to you and shown on your statement. This will be the total
of any of the following that apply to your account plus any
arrears:
a) If any amount is owed on the balance of transactions on
your Standard Facility (including BNPL Transactions for
which the delayed payment period has ended) and is due
for payment, 7% of that amount with a minimum of £5, or,
if this amount is less than £5, the full amount owed. Any
arrears are not included in the amount owed for the
purpose of this calculation.
b) Any default charges due.
c) Any instalments due on Persistent Debt Plans.
If you wish to avoid paying any interest on Take 3 Transactions
you must make the Take 3 Payment in full. If you do not, you will
lose the benefit of interest opt out on all your current Take 3
Transactions and will be charged interest on these transactions.
The Take 3 Payment is made up of the total of all payments due
on transactions still qualifying for Take 3 plus the minimum
payment for the remainder of the Standard Facility due for
payment, plus default charges due.