How to complain to Very (catalogue credit).

Type: Credit
Region: UK
Escalate to: Financial Ombudsman Service (the Very account is a regulated consumer credit product provided by the FCA-regulated Shop Direct Finance Company Ltd)
Response deadline: 8 weeks for the credit/financial side before escalating to the Financial Ombudsman Service (or sooner with a final response or deadlock letter).

Details checked 2026-06-02

Very accounts are a regulated credit product run by Shop Direct Finance Company Ltd, so credit complaints (interest, affordability, statements, missed-payment markers) go to the Financial Ombudsman Service after 8 weeks. Pure faulty-goods issues instead rely on the Consumer Rights Act 2015.

Complain to Very (catalogue credit) first and ask for a written final response. If they reject you or the deadline passes, you can take it to the Financial Ombudsman Service (the Very account is a regulated consumer credit product provided by the FCA-regulated Shop Direct Finance Company Ltd) for free, and their decision is binding on the company.

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Details compiled for convenience. Always confirm the current contact on Very (catalogue credit)'s own site. A self-serve tool, not a law firm. Not legal advice.