As with most of the 11,000+ reviews here I can honestly say Very/Littlewoods/shopdirect are without doubt the worst company I have ever dealt with. Customer service here is more like customer contempt. I wish I had never purchased anything from these clowns, as a result my impeccable credit rating has been seriously impacted. I bought a dishwasher from Very.co.uk. Was the cheapest price I could find and they offered by now pay later. Why not I thought, that was my first mistake. In the first month I received a letter saying that a payment was due on my account, strange I thought - BNPL shouldn't have meant a payment was due. Anyway, made a payment. Next month, same again. Called Very and asked the adviser why I was being asked for payment on a BNPL purchase, no idea said the adviser, you shouldn't have been asked for a payment. Next month, same again. Made another payment. Next month I got a letter saying a charge had been applied. Called again, got bounced around, no one could explain why. Adviser lodged a complaint on my behalf. Next day a rude, abrupt woman calls me and said I didn't make a payment to the right 'part' of the account, I'd made a payment to the BNPL part of the account and not to the part where the delivery charge had been applied. So despite having one a account, one account number and having made payment to BNPL as that was the terms on which i had made the purchase I was supposed to know there were 'sub accounts' within my account. The UX of the website is unclear, none of the letters outlined this and none of the advisors could explain it to me. Even though I had inadvertently paid £40 to non-interest bearing parts of the account the rude woman thought I was dodging the £7 that did incur interest. Her advice was contact the financial ombudsman. This tail goes on and on, numerous calls. Refusal to close my account when I fully paid it up. 57 day response times to complaints that are never resolved anyway. It's a long boring tale but the upshot is my previously very good credit score has been ruined and they don't care. I could not discribe accurately what a shower of excrement this company is. Best thing is they have a 'Customer Excellence' team. Jokers. What an oxymoron that is. It is my opinion that they deliberately obscure this BNPL / delivery charge thing to enable them to charge customers as a racket to make more money and they think nothing of wrecking people's credit rating. Any complaints result in their advice being to take it to the Ombudsman. They don't care about customers and need investigation by Trading Standards, Watchdog and The Hague