I wish 0 starts was an option! DO NOT USE VERY IF YOU VALUE YOUR MONEY!!!! My partner and I both purchased an Xbox for Christmas, from our seperet Very accounts. I had the money in my account to be taken there an then. Confirmed with the bank the money had been taken, and received my xbox no drama, same with my partner. Very then refunded the money into my account without my knowledge, and then I receive letters in the post about miss payments. I call the bank to find out what had happened, and Very had not taken the money out of my account, it had been refunded and in fact set me up with 3 months credit without my knowledge! Due to missed payments interest was added, and the bank told me it was worth making an enquiry with trading standards due to the fault being on Very's behalf. I later found out the same had happened to my partner. I couldn't be bothered with the hassle, and my partner logged onto both of our accounts to pay the full amount (including interest) from his card. I then receive a "well being" call to check that I am okay and that I can make the payment. I inform them that my partner paid the fee that morning, and I was told that he hadn't. I said I had proof to say that the money had been taken, and they said that it may be pending and to double check the following day. My partner also received this call, and told them the same thing, that he had paid the full about including interest on his card that morning. He was told that there wasn't nothing on the system, and that it "probably needed to be updated, no worries." It's a bit strange that one person told me that it was my responsibily to chase it, and the other told my partner not to worry. Anxious, this morning I log into my account to see the money had not been cleared, and they had in fact added another £12 interest to my account without my knowledge! My partner logged into his, to find the same thing! He called Very to be told that we had both been charged £12 for the "courtesy" call without our knowledge or consent! He paid his balance over the phone and confirmed his Very balance has gone back to £0. He was told he could not pay for my account using his card too. I am absolutely disgusted with the way we have been treated. Very are con artists! Scamming people out of their money without their knowledge. Rest assured I will be calling them today to pay the balance off and will be closing the account PROMPTLY. I will also be making a formal complaint, and leaving as many reviews as possible to people are aware not to fall into the trap. All we wanted was an Xbox for Christmas, and we've had to pay nearly £25 extra interest on top, which is not a lot, but for a young person who has just surgery and is not working at the moment, I'm wondering where I'm going to find this extra money from! STAY CLEAR FROM VERY and their ridiculous hidden fees!!