My account was in credit by circa £40 after returning some items, this was left on account as I wasn’t in need of the money but when I needed some clothes decided to use this balance and it left £5.30 remaining to pay. This payment wasn’t taken. I was I’d er the impression everything was done and sorted, I received an arrears email which I was mortified about, paid immediately and called to query it and was told it would show on my credit file as a missed payment. It wasn’t my fault the payment wasn’t take and I’ve never missed a payment in my life and for a total of £5.60 too (Inc interest) is ridiculous to think that an admin cock-up with the account can now impact me from taking out a mortgage!!

I spoke to a customer support adviser who has filled out a form for me that gets sent on to a team to request this to be removed from my credit file but he cannot confirm whether they will or won’t do it which is causing me undue stress so for now, 1 out of 5, mega annoyed. If this gets resolved in a professional manner I will revisit the review but for now, it’s put me off ever using very again (after frustratingly just placing a £350 order that wasn’t on credit as I don’t need it!!!)