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Buy now pay later advice please

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NanaTuesday Mon 02-Oct-23 08:29:50

Shelflife ,
Apologies, typo , your name was changed in the writing of my response.
Also to be clear this was ONE item purchased from what is a “ reputable [welknown seller “
If you use one of these sellers we all know the t&cs what I fail to understand is how something for such a small amount continues to be billed for 3 years later how does that even happen ?

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NanaTuesday Mon 02-Oct-23 08:24:02

ShelClive,
Thank you for the “ support” it is appreciated. My first response was/is to pay this amount, this is not something I have a habit of doing and anything that I have brought from this particular retailer ( primarily known as a catalogue , back on the day ) have always been paid prior in a timely fashion with no escalation of interest.
Welbeck , Vickymeldrew , I totally take on board ownership of this and intend to make payment .
The issue for me is that is this “entirely legal “?
Rolling on and on when the actual payment of the item purchased has actually been paid almost 5 times over . This cannot be allowed, maybe I should have asked in a clearer fashion the question….” Is this legal “ ????????
So in response I am paying & never did I say that I was not paying .
But again to repeat myself , how can this practice be allowed !!!!
I will take this further & see what happens .

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Shelflife Mon 02-Oct-23 00:17:36

Some unsympathetic responses here Nana , but sadly correct ones! I don't think you have any option but to pay the bill in full before it escalates again! Please be very careful in the future, I am sorry this had happened and recognize how upset you are. I feel sure you won't be in this position again. Pay in full asap, and make sure this does not happen again. Good luck.

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vickymeldrew Sun 01-Oct-23 22:57:25

NanaTuesday - as Welbeck advises, just take ownership and pay the bill now and your problem is solved.
Next time (if there is one) you won’t make the same mistakes.

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Oopsadaisy1 Sun 01-Oct-23 22:56:47

Check that there is no penalty for paying the outstanding amount in full and pay it off.

As Welbeck said read the small print when buying and paying in instalments.

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welbeck Sun 01-Oct-23 22:45:24

can you pay the amount outstanding now, to avoid further interest charges.
it's a lesson learned, i guess, to read the small print of any financial arrangement before agreeing to it.

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NanaTuesday Sun 01-Oct-23 22:26:19

Has anyone else experienced this particular issue ?
I am not an advocate of bnpl , however in Jan 2021 I purchased a coat via this method at a cost of £149 .
At the time I believe the country was in lockdown & this was a way to cheer my daily walks .
Fast forward to today 1/10/23 & I have discovered that the balance on the account is ……..
£196:00
As you can imagine I am feeling quite ill about this !
Yes, I was aware of a small amount being taken via a DD monthly this I presumed was my DH account , so didn’t question it , until now .
The Coat that originally cost £149 has cost me an untold amount which is incredibly insane and inflating daily .
So , how did this happen ? I have already said I thought it was DH’s account .
Stupidly ,
in the Summer of 2020 we had a house flood , resulting in us having to find alternative accommodation put our belongings in storage and deal with all manner of house renovations/ refurbishment/ drying out etc. we moved out in Oct 2020 moved back in April 2021.
Then in July 2021 another houseflood ( I can see you thinking 🙈) these were due to one of those heavy rainfalls that happen over a short time frame unfortunately this one was worse with the same outcome of moving etc etc . We finally moved back in March 22.
Having said all of this you can understand that my mind wasn’t exactly focused on a small amount coming out of my bank monthly or of making the payment in full .
So here we are and I do not know what to do . On the one hand pay the amount because it’s needing to be paid on the other “ how can they get away with this “ interest is being charged daily so in effect you are paying interest on interest & my coat to date including the amount outstanding today has cost in excesss of £600 !!!!!!!!!! !!!
Oh and as an added extra yes there were emails sent which didn’t arrive in my inbox as I failed to press whatever I should of when I received the first email - which ironically I didn’t receive they all went to a spam box !!
Also due to the house moving scenario mail was also sent to the temporary address & any further mail ( if any for this company) was also sent there ! To receive the goods I had changed my address online & not changed it back until yesterday , when I found out I was still paying .
Advice required please

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