I cannot afford to pay my Additions Direct Catalogue Debt?

Many are worrying “they can’t repay Additions Direct Catalogue Debt” and what solutions there are?

Check out our comprehensive article if you can’t afford catalogue repayments.

If you are struggling with your catalogue debt payments, you are not alone.

You only have to look at the many posts on mail-order catalogue forums to see that catalogue debt is on the increase.

In our Additions Direct Catalogue Debt guide, we will explain whether catalogue debts can be written off.

We will explore catalogue debt help solutions and explain if you can get a CCJ for catalogue debt.

Keep reading to learn all there is to know about how to pay catalogue debts.

I Can’t Pay Additions Direct Debt – What Should I Do?

Do not ignore debts from Additions Direct Catalogue because the debt will never go away until you set up a repayment plan or speak to a professional debt advisor.

When speaking to a specialist debt consultant he can run a disposable income check on your current financial situation and give you all debt solutions available in November 2024.

Some search “how to get rid of Additions Direct Catalogue debt without paying” and depending on your financial history there could be ways to legally write off catalogue debts.

With just a few easy online questions you can see all options available from you here:

Can I Write Off Additions Direct Catalogue Debts

Find Out More

Falling into debt can be unsettling and scary, but it is possible to break out of financial hardship.

Leaving debt to grow will impact your credit file, credit limit and credit rating.

To protect your credit account and credit report, it’s important to start paying catalogue debts off as soon as possible.

Speaking with a professional debt advisor will help you draw up a realistic repayment plan.

Who Is Additions Direct Catalogue?

Previously known as Argos Additions, Additions Direct Catalogue is a UK fashion catalogue.

Argos sold the successful fashion catalogue to the Shop Direct Group in 2004.

The Shop Direct Group then changed the name from Argos Additions to Additions Direct Catalogue.

In 2010, the Additions Direct Catalogue was renamed to Very.

The Very Group is one of the largest online retailers available in the UK, with the Very catalogue selling millions of copies per year.

Even though the catalogue company has been renamed, many people still know it as the Additions Direct Catalogue.

How to pay off Additions Direct catalogue debt?

When looking for the best way to pay off Additions Direct catalogue debt you have many options:

  • Repay debts using a credit card
  • Set up a monthly repayment plan direct
  • Speak to a debt advisor on various debt solutions

Can I pay off Additions Direct catalogue debt with a credit card?

You can pay off catalogue debt using a credit card, but this could get you in deeper debt on your credit file.

Creditors might be reluctant to offer higher credit limits if they see you’re already struggling to repay debts.

Credit cards allow you to transfer money to repay Additions Direct catalogue debt but make sure you check the interest and fees from your credit card provider.

Should I pay the minimum amount to Additions Direct catalogue?

When making minimum payments on your catalogue debt, the total amount owed can actually increase.

The subtotal money owed can increase because making the minimum payment might not cover the amount charged in interest.

You may need to increase the minimum monthly payments to an amount where it starts to decrease the debt.

With the debt levels to the catalogue company increasing, this can place individuals in a status known as ‘persistent debt’.

It is strongly advised if you get in a state of persistent debt to speak to a specialist debt company that can free unsecured debt interest rates.

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Do Not Pay Additions Direct Catalogue Until You’ve Received Free Debt Advice

Catalogues are unsecured debts and it is always advised to speak to a debt advisor for free advice before making any payments.

Do not make any payments until you have received professional advice to understand all the debt solutions available to you.

Here are all the debt options available to you depending on where you are based in the UK:

Complaining About Additions Direct Catalogue Debt Collection

If you have a complaint, you should send a formal letter to:

Very
Customer Excellence
Sandringham House
Sandringham Avenue
Chelmsford,
CM92 1LH

You can also contact them via their customer care team.

If your complaint specifically relates to your Payment Protection Insurance Policy, you should send your complaint to the below address:

Shop Direct Finance Company
Customer Excellence
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LH

You can find the Shop Direct Finance Company Complaints form here.

If you want to make a complaint about the company elsewhere, you can contact the Financial Ombudsman Service.

Who are the Debt Collectors for Additions Direct Catalogue?

The debt collectors for Additions Direct Catalogue are Lowell Financial Ltd.

Lowell Group Debt Recovery chase unsecured debts and are authorised and regulated in the UK.

Lowell debt collectors collect debt on behalf of lenders, they buy this debt and pursue the customer instead of the original lender, as they are usually more experienced.

Do not pay a debt collector until you have spoken with a professional debt advisor about your financial circumstances.

Debt advisors will help you work out a payment system that works for you.

For more information check out the guide on Lowell Group Debt Recovery.

Popular Questions

Can you get a CCJ for Additions Direct catalogue debt?

Additions Direct catalogue can apply for a County Court Judgement (CCJ) to be brought against you to retrieve their money owed.

Only the court can implement the CCJ for your catalogue of unsecured debts owed.

If you do not keep up with payments to your CCJ then and only then will the court, not the catalogue, have the authority to send in bailiffs.

To avoid a CCJ, make sure to keep up with any minimum repayments to avoid a bad credit score and the threat of legal action.

Can Additions Direct catalogue send bailiffs?

Additions Direct catalogue company do not have the authority to send bailiffs to your home.

Catalogue companies are also not allowed to take any of your personal possessions in order to pay for your unsecured debt.

Only the court, not the catalogue, have the authority to send in bailiffs if you fall behind on payments to your CCJ.

What happens if i don't pay Additions Direct catalogue?

Additions Direct catalogue company reserve the right to impose a charge to cost the cover of missed or insufficient payments and are entitled to debit your account with any costs incurred by them.

Catalogue companies will ask you to catch up with the debt arrears and if you can’t pay the creditor the account will default and further action could be taken against you.

You are signing a consumer credit agreement when you have a catalogue account, which means the debt is enforceable in the courts.

Your credit history will be impacted. A poor credit score and a bad credit history is not something you want.

For debt advice, get in touch today to find out how you can begin making affordable monthly repayments.

How Do I Close My Additions Direct Catalogue Account?

You can cancel your very account online in a few easy steps:

  1. Log in to your online account via their website.
  2. Click on My Account, in the top right-hand corner.
  3. Click Account Settings.
  4. Click Start Chat to speak with a customer care advisor.
  5. Inform the customer services team that you wish to cancel your membership.
  6. The customer care advisor will email you a cancellation form.
  7. Fill out the cancellation form.
  8. Your account will then be closed within 2 months.

It takes up to 2 months to close an account as credit companies have to be consulted first.

You should be aware that once your account has been closed, you are unable to open a new account for 12 months.

You will still be able to access your account but you will only be able to see your order history.

Final Thoughts

It is always important to keep up to date with your payments with any catalogue.

Remember that if you do fall behind or into debt, you still have options that will help you make your repayments.

Always speak with a professional debt advisory service before paying back any debts.

You can work your way to being debt-free! Catalogue repayments don’t need to break the bank.

Get in touch today for catalogue debt advice. You can find out how to deal with your catalogue debts in an affordable and stress-free way.

Struggling With Other Debts

Here are some other debt guides if you are struggling with different types of debts:

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Speak to the debt advisor to check what debt solutions you have to help you consolidate debts into a single affordable monthly repayment.

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