Search Account Saved Basket0

Black Friday
Christmas
New In
Designer Brands
Women
Men
Baby & Kids
Toys
Sports & Travel
Home & Garden
Appliances
Tech & Gaming
Beauty
Gifts & Jewellery
Offers
Clearance

Black Friday

Extra 15% off selected deals

All, Dancing Leopard, Inicio, Jixels, MasterClass

Filter

Gifts & Jewellery42

Home & Garden39

Filters for Black Friday Deals

All Black Friday Deals36

Filters for Brand

#

List of filters #

7 FOR ALL MANKIND34

A

List of filters A

adidas Sportswear1103

Armani Exchange210

adidas Originals898

Ariana Grande14

Alessandro Zavetti28

adidas Terrex176

Activity Superstore75

Abercrombie & Fitch81

audio-technica3

Airbrush Plush4

Applied Nutrition74

Arthouse Unlimited1

Abigail Ahern16

Alice in Wonderland4

Alix the Label1

AMERICAN TOURISTER17

Adam Fires & Fireplaces15

Art For The Home7

B

List of filters B

Beauty Works131

Baby Annabell12

Barbour International245

Black & Decker83

Bomb Cosmetics17

B By Ted Baker47

Bulldog Skincare for Men7

Brainstorm Toys13

BAYLIS & HARDING6

Beauty Of Joseon18

Ben & Holly's Little Kingdom7

Bridgerton by Catherine Lansfield7

Brand Threads34

Bowers & Wilkins2

BEAU & ELLIOT25

Beaverbrooks221

Baby Clementoni2

Becky Bettesworth1

Body Sculpture23

Bedeck of Belfast2

Barking Bakery1

Barking Heads18

Bianca Fine Linens5

Buckley London9

C

List of filters C

Calvin Klein539

Catherine Lansfield599

Creativity for Kids3

Cookeez Makery5

Cosmic Kylie Jenner6

CF Real Madrid3

CyberPower PC26

Cath Kidston125

Carolina Herrera14

CHELSEA PEERS293

Calvin Klein Jeans320

Captain America3

Clair De Lune71

Construct And Create2

Cheshire Mouldings11

CosmoLiving by Cosmopolitan66

Calvin Klein Sport19

Country Living8

Caroline Gardner2

Cooler Master13

Canopia by Palram70

Copenhagen Home1

Criminal Damage2

Created Brilliance46

Creative Tops12

Clarke & Clarke1

Chi Chi London3

D

List of filters D

Disney Lilo & Stitch29

Disney Frozen39

Disney Stitch71

Dead Mans Finger1

Disney Princess60

Dreams & Drapes32

Disney Moana 28

Disney Cinderella1

Disney Descendants3

Disney Doorables2

Dora the Explorer8

Double A by Wood Wood27

Designers Guild11

Disney The Lion King3

Dolce & Gabbana27

DreamWorks Trolls1

Devotion Twins1

Disney Munchlings2

Dancing Leopard1

E

List of filters E

Emporio Armani86

EA7 Emporio Armani147

Elizabeth Arden102

Eleanor Bowmer59

Emma Bridgewater38

Emporio Armani Bodywear62

Ernest Jones141

Emily Lovelock19

ENAMEL Copenhagen95

elf on the shelf1

Eyewear by David Beckham3

F

List of filters F

Fisher-Price Little People12

Fujifilm Instax41

Football Flick37

FurReal Friends8

Friends Like These81

French Connection281

Fast & Furious2

Five Nights at Freddy's6

Fantastic Four2

G

List of filters G

Gabby's Dollhouse41

George Foreman7

Gallery Direct312

Guess How Much I Love You2

gabbys dollhouse5

Good Food by Tower19

Giles & Posner3

Girlfriend Collective60

Good Food by Tower3

Guardians of the Galaxy1

Grasshopper Games2

Graham & Brown1

H

List of filters H

Harry Potter197

Hotel Chocolat45

Heroes of Goo Jit Zu29

Hawaiian Tropics15

How to Train Your Dragon7

Happy Nappers15

Hush Puppies266

Hollywood Rides4

Helena Springfield25

Hot Diamonds144

HAIRY BIKERS WORLD5

Heston Blumenthal by Salter1

I

List of filters I

Iconic London52

Interiors By Premier283

Iron Man and His Awesome Friends5

In The Night Garden7

Icon Beanbags27

J

List of filters J

Jean Paul Gaultier19

JURASSIC WORLD34

Juicy Couture149

Jack & Jones Junior148

Jack & Jones436

Jacques Du Manoir24

Jim Jam The Label48

Julian Bowen392

Jacques Lemans1

JoJo Maman Bebe97

Jack & Jones Mini39

Joma Jewellery113

jones bootmaker87

John Hatter & Co4

Just Sheepskin33

Joseph Joseph45

Johnnie Walker1

Julian McDonald5

James Wellbeloved11

K

List of filters K

k pop demon hunters6

Katie Loxton190

Kate Spade New York108

Kinetik Wellbeing13

K18 Biomimetic Hairscience4

Kid Made Modern1

L

List of filters L

LEGO Speed Champions14

LEGO Harry Potter23

LEGO Star Wars41

LEGO Minecraft9

LEGO Disney Princess5

L.O.L Surprise!32

LEGO Botanical6

Lilo & Stitch29

LEGO Gabby's Dollhouse2

Little Live Pets9

LEGO Super Mario13

Lucky Egg Games4

LEGO Marvel Super Heroes1

Lauren by Ralph Lauren113

L'Oreal Paris105

Lyle & Scott231

LEGO Wednesday3

Lord of the Rings9

LEGO Super Heroes4

Laurence Llewelyn-Bowen45

Living and Home68

Little Big Friends7

Long Tall Sally577

L'Oreal Paris Men Expert15

LEGO Architecture4

LEARNING RESOURCES22

Liberty House61

LEGO Animal Crossing11

Little Mistress115

Lyle & Scott Golf11

Lily and Lionel78

LPD Furniture15

LEGO DreamZzz16

Love To Dream10

Love DIAMOND213

Little Acorns54

LOVE MOSCHINO12

Lord and Labradors23

Lady and the Tramp1

LEGO Minifigures1

LEGO DC Super Heroes1

M

List of filters M

Michelle Keegan125

Manchester United14

Mini V by Very245

Melissa & Doug37

Manchester City24

Michelle Keegan Home132

Mamas & Papas587

Morphy Richards108

Marvel Avengers17

Moriah Elizabeth5

Monty Bojangles5

Marvel Spiderman5

Moda In Pelle79

Made By Mitchell12

Matthew Williamson6

Murdock London20

Miss Mary of Sweden87

Moschino Jeans1

My Little Pony1

MOET & CHANDON3

Me and My Golf3

Maxwell & Williams2

N

List of filters N

Nintendo Switch 288

Nintendo Switch208

Nicole Scherzinger2

Nintendo Switch Lite15

New Look 915313

Numatic International10

Nightmare Before Christmas10

Nintendo Switch OLED15

Nescafe Dolce Gusto7

NYX PROFESSIONAL MAKEUP59

Nobodys Child97

nike max fusion13

Natural History Museum1

O

List of filters O

Our Generation40

Osprey Action Sports20

Olivia Burton68

Osprey London73

OSA Fine Spirits5

Oscar Jacobson18

OUTDOOR REVOLUTION22

P

List of filters P

PlayStation 5328

Philip Kingsley52

Playstation 440

Petit Artichaut21

Polo Ralph Lauren353

Price & Kensington22

Philipp Plein40

Power Rangers15

Pretty Lavish83

Paddington Bear11

PS PAUL SMITH136

Pineapple Elephant18

Pacific Lifestyle62

Paradox London54

Paul Smith Junior11

Panache Sport10

Premier Housewares1

PlayStation VR1

Pressure King Pro1

Q

List of filters Q

QUAY AUSTRALIA6

R

List of filters R

River Island2141

Reflex Active50

River Island Baby56

Russell Hobbs217

Revolution Beauty London51

River Island Mini195

Roamer of Switzerland58

ROYAL WORCESTER25

Roberto Cavalli7

RHS X Catherine Lansfield2

Rock Luggage297

Rosie Made a Thing2

Rachel Ashwell14

Rosewood X Battersea1

Red Riding Hood3

Rachel Jackson London5

Rachel Jackson35

S

List of filters S

Shimmer & Sparkle13

Sonic the Hedgehog24

Studio Creator18

Spin Master Games8

Sharper Image11

Snuggledown of Norway14

Sanctuary Spa28

Sylvanian Families33

Spidey and His Amazing Friends26

Squishmallows101

Simply Silver79

Sarah Jessica Parker8

Stranger Things5

Scottish Everlastings40

Sweaty Betty169

Spicers Of Hythe44

Spongebob Squarepants6

Stickle Bricks1

Stretch Armstrong1

Skibidi Toilet7

Squish-a-longs14

Seasalt Cornwall98

Selected Homme104

Stanley FatMax36

Silver Whisper24

Soaked In Luxury36

Shock Absorber13

Silver Cross116

Streetwize Accessories6

Scuderia Ferrari4

Smart Halloween6

Summerhouse by Navigate14

Superfresco Easy65

Sophie Conran for Portmeirion6

Superfresco Colours1

Super Facialist14

Superfresco Paintable4

Summerhouse by Navigate1

T

List of filters T

The Very Collection2096

THE NORTH FACE516

The Art Group44

The Very Collection Curve100

Tommy Hilfiger971

The Love Collection546

Thomas & Friends36

Tottenham Hotspur FC13

The Personalised Memento Company195

Teenage Mutant Ninja Turtles24

The Christmas Gift Co71

The Kind Edit Co.10

The Luxury Bathing Company12

The Lyndon Co17

Tutti Bambini106

Treat Republic127

The Flat Lay Co.15

The Very Hungry Caterpillar2

Totes Isotoner13

Tommee Tippee53

TRUE RELIGION47

The World of Eric Carle1

Turtledove London94

The Seasonal Gift Co6

The Fine Bedding Company20

The Little Mermaid1

The Love Silver Collection2

Timberland Pro9

The Mandalorian1

The Little Linen Company2

The Inside Edit7

The Personalised Momento Co3

The Little Green Sheep8

Trivial Pursuit1

Teen Titans Go1

The Aromatherapy Co.6

TLC Sport Performance14

U

List of filters U

UNDER ARMOUR829

University Games29

United Oddsocks5

Unicorn Academy16

V

List of filters V

V by Very Curve163

Vida Designs246

Vivienne Westwood73

Virginia Hayward24

Virgin Experience Days205

Versace Jeans Couture73

V by Very Comfort2

Vero Moda Curve1

W

List of filters W

Winnie The Pooh8

West Ham United6

Weekend Offender128

William Morris at Home44

Western Digital15

Waffle the Wonderdog1

X

List of filters X

Xbox Series X165

Y

List of filters Y

Yankee Candle61

Z

List of filters Z

Zavetti Canada118

Filters for Colour

Filters for Price Range

Filters for Shop By Room

Filters for Offers

Filters for Metal Type

Gold Plated Silver2

Filters for Customer Rating

5 out of 5 stars

4 out of 5 stars

3 out of 5 stars

2 out of 5 stars

1 out of 5 stars

Filters for Use

Filters for Pots and Pans

Casserole & Stockpots8

Woks & Stir Frys1

Filters for Age

Filters for Earrings Piercings Style

Filters for Gender

Filters for Recipient

Filters for Stone Type

Cubic Zirconia2

Page 1. Results: 1 to 30 (of 83)

Results: 1 - 30 (of 83)

Number of results per page

30products per page

Allproducts per page

MasterClass 14-Litre Stockpot - Stainless Steel

Black Friday Deal

14-Litre Stockpot - Stainless Steel

Current sale price is £45

(Save £29.99)

Regular price was £74.99

4.3 out of 5 stars

23 reviews

Inicio 14K Gold Plated Cubic Zirconia Star Set - Gift Box

Black Friday Deal

14K Gold Plated Cubic Zirconia Star Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated and Cubic Zirconia Clover Set - Gift Box

Black Friday Deal

14K Gold Plated and Cubic Zirconia Clover Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated Opal Stone Pendant Set - Gift Box - Gold

Black Friday Deal

14K Gold Plated Opal Stone Pendant Set - Gift Box - Gold

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated and Cubic Zirconia Open Knot Set - Gift Box

Black Friday Deal

14K Gold Plated and Cubic Zirconia Open Knot Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated and Cubic Zirconia Snake Set - Gift Box

Black Friday Deal

14K Gold Plated and Cubic Zirconia Snake Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated Cubic Zirconia and Opal Cross Set - Gift Box

Black Friday Deal

14K Gold Plated Cubic Zirconia and Opal Cross Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated Celestial Multi Charm Drop Pendant

Black Friday Deal

14K Gold Plated Celestial Multi Charm Drop Pendant

Current sale price is £21

(Save £9)

Regular price was £30

MasterClass Cast Aluminium 2.5-Litre Casserole Dish

Cast Aluminium 2.5-Litre Casserole Dish

£45

5 out of 5 stars

3 reviews

Inicio 14K Gold Plated Cubic Zirconia Star Ear Climber

Black Friday Deal

14K Gold Plated Cubic Zirconia Star Ear Climber

Current sale price is £14

(Save £6)

Regular price was £20

3 out of 5 stars

1 review

MasterClass 10 Piece Kitchen Tool Set

10 Piece Kitchen Tool Set

£66

Inicio 14K Gold Plated and Crystal Heart Tennis Bracelet

Black Friday Deal

14K Gold Plated and Crystal Heart Tennis Bracelet

Current sale price is £28

(Save £12)

Regular price was £40

Inicio Gold Plated Cubic Zirconia Teardrop Set - Gift Box

Black Friday Deal

Gold Plated Cubic Zirconia Teardrop Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

4.3 out of 5 stars

3 reviews

MasterClass Smart Space 7-Piece Stackable Non-Stick Bakeware Set

Smart Space 7-Piece Stackable Non-Stick Bakeware Set

£65

4.3 out of 5 stars

19 reviews

Inicio 14K Gold Plated and Crystal Snake Necklace

Black Friday Deal

14K Gold Plated and Crystal Snake Necklace

Current sale price is £28

(Save £12)

Regular price was £40

Inicio Gold Plated and Cubic Zirconia Ridged Heart Set - Gift Box

Black Friday Deal

Gold Plated and Cubic Zirconia Ridged Heart Set - Gift Box

Current sale price is £21

(Save £9)

Regular price was £30

5 out of 5 stars

1 review

Dancing Leopard Jagger Wrap Maxi Dress - Magenta

Black Friday Deal

Dancing Leopard

Jagger Wrap Maxi Dress - Magenta

Current sale price is £46.50

(Save £15.50)

Regular price was £62

4.2 out of 5 stars

5 reviews

MasterClass Three Light Food Warmer

Three Light Food Warmer

£34

3.3 out of 5 stars

4 reviews

MasterClass Cast Aluminium 28 cm Casserole Dish with Lid

Cast Aluminium 28 cm Casserole Dish with Lid

£68

4.4 out of 5 stars

8 reviews

MasterClass 2 Piece Cast Aluminium Cookware Set With Non-stick 4l Casserole Dish And A Non-stick Roasting Pan

2 Piece Cast Aluminium Cookware Set With Non-stick 4l Casserole Dish And A Non-stick Roasting Pan

£89.99

Inicio 14K Gold Plated Diamond Cut Clover Huggie Earrings

Black Friday Deal

14K Gold Plated Diamond Cut Clover Huggie Earrings

Current sale price is £17.50

(Save £7.50)

Regular price was £25

5 out of 5 stars

1 review

MasterClass Large Non-Stick Roasting Tray with Rack

Large Non-Stick Roasting Tray with Rack

£39.99

3.8 out of 5 stars

13 reviews

Inicio 14K Gold Plated Diamond Cut Clover Station Necklace

Black Friday Deal

14K Gold Plated Diamond Cut Clover Station Necklace

Current sale price is £21

(Save £9)

Regular price was £30

Inicio 14K Gold Plated and Crystal Tennis Bracelet

Black Friday Deal

14K Gold Plated and Crystal Tennis Bracelet

Current sale price is £28

(Save £12)

Regular price was £40

MasterClass Cast Aluminium 28 cm Shallow Casserole Dish with Lid

Cast Aluminium 28 cm Shallow Casserole Dish with Lid

£60

4.6 out of 5 stars

16 reviews

Inicio 14K Gold Plated Dimaond Cut Clover Station Bracelet

Black Friday Deal

14K Gold Plated Dimaond Cut Clover Station Bracelet

Current sale price is £19.60

(Save £8.40)

Regular price was £28

Inicio 14K Gold Plated and Crystal Snake Bracelet Cuff

Black Friday Deal

14K Gold Plated and Crystal Snake Bracelet Cuff

Current sale price is £21

(Save £9)

Regular price was £30

MasterClass Seamless Silicone Double Oven Glove

Seamless Silicone Double Oven Glove

£30

4.3 out of 5 stars

6 reviews

Inicio 14K Gold Plated Celestial Charm Chain Necklace

Black Friday Deal

14K Gold Plated Celestial Charm Chain Necklace

Current sale price is £21

(Save £9)

Regular price was £30

MasterClass Smart Space 5-Piece Stackable Measuring Set

Smart Space 5-Piece Stackable Measuring Set

£17

4.7 out of 5 stars

6 reviews

Page 1. Results: 1 to 30 (of 83)

Results: 1 - 30 (of 83)

Number of results per page

30products per page

Allproducts per page

Page2
Page3
Page2
Page3

Next PagePage 1 selected

Use the right and left arrows to scroll through the image carouselPage 1 of 322

Use the right and left arrows to scroll through the image carouselPage 1 of 322

Very Pay credit provided, subject to credit and account status, by Shop Direct Finance Company Limited. Registered office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18's only.

My account

Account summary
Track my order
Delivery & returns

Ways to Pay & Protect

Very Pay
Very Protect
Very Money Matters

Cards & Loans

Very Credit Card
Looking for a loan?

Privacy notice and cookies

Privacy policy
Cookie policy
Manage cookies

Help

Help & FAQs
Product support hub
Financial difficulties
Cost of living support
Persistent debt
PPI complaints
Contact us
Terms & conditions
Product recall & safety
Careers
Become an affiliate
Corporate Social Responsibility
Fraud and scam awareness
Buying guides
Website vulnerability disclosure
Brand directory
Site map
Accessibility

Download the app

Let's get social

© The Very Group Limited. All Rights Reserved.

Shop Direct Home Shopping Limited. Registered number: 4663281. Registered office: 1st Floor, Skyways House, Speke Road, Speke, Liverpool L70 1AB.

Very Pay

20% off your first credit order!

What you need to know
Apply for Very Pay to get 20% off your first credit order. Enter WELCOME at the checkout

<COPY/PASTE WELCOME>

Representative 44.9% APR variable

Excludes Nintendo Switch 2 consoles, Xbox consoles, iPhone 17 range, Apple Mac Lines, all egg items, Omni by Target Darts, digital downloads, insurance, delivery & installation. Cannot be used with other offers. Over 18 only.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Representative Example:

Representative 44.9% APR variable

(interest rate 44.9% p.a. variable). Based on £1,200 credit limit.

Very Pay

More time to pay with Very Pay

And you can avoid interest on every purchase.

Monthly

You can choose to pay monthly with flexible monthly payments.

You always have the flexibility to pay a monthly amount that suits you.
This must be at least £5 or 6% of your balance. The minimum payment is detailed on your statement. If you pay this way you will be charged interest, and it will take you longer to pay off your balance.

Remember, your interest rate information is in 'My Account'. Just click the 'My Details' tab, and then into 'My APR'.

Pay in 3 with Take 3

3 payments, 3 months, pay no interest.

This lets you split the cost of anything over 3 months.
Plus, you pay nothing for at least 20 days.
If you choose not to make your Take 3 payments, then you'll pay interest on your balance at your account rate.

Buy Now Pay Later (BNPL)

Shop now and delay payment, subject to your credit and account status.

BNPL is an interest-bearing option that allows you to delay payments on your purchases for up to 12 months depending on how much you spend.
The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.
If eligible, the delayed payment period and minimum order values to qualify for Buy Now Pay Later will be detailed in checkout and are subject to offer.
The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).
If you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.
This will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request on your monthly statement and cannot be repaid using Take 3.
Remember, avoid interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments.

Pay now

You can pay in full today using a credit or debit card.

Buy Now Pay Later

What is Buy Now Pay Later (BNPL)?

BNPL is an interest bearing option that allows you to delay payments on your purchases. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You could delay payment for 6, 9 or 12 months depending on how much you spend.

The delayed payment period and qualifying minimum order value is subject to offer and your account status. If you are eligible for BNPL your offer details will be confirmed in checkout.

How is interest calculated?

Interest is calculated from date of order and compounded daily. The interest will be added to your account as a lump sum at the end of the delayed payment period. This means you will pay interest on interest.

How do I avoid paying interest?

You can avoid all of the interest by paying the cash price before the end of the delayed payment period, this can be done in one full payment or multiple partial payments. Making partial payments without clearing the cash price in full will reduce the amount of interest charged at the end of the delayed payment period.

Remember, if you choose not to pay the cash price before the end of the delayed payment period a lump sum of compound interest will be charged to your account.

How do I make a BNPL payment?

To make a full or partial payment simply log into your account. You can allocate your payment to the specific BNPL you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?

If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

If you have not paid the cash price in full or have only made a partial payment, a lump sum of interest will be charged to your account. Any outstanding balance plus the interest will now become payable.

As the outstanding balance, plus the interest now form part of your payable balance they will attract interest at your account rate, meaning you will pay interest on interest. This will be included within your account minimum payment request every month and cannot be repaid using Take 3.

What is excluded from BNPL?

The costs for delivery, installation services and monthly insurance products cannot be placed on BNPL.

Do I still have to pay my monthly minimum payment?

Yes, allocating payments to BNPL will not cover the minimum payment on your account. If you have a non-BNPL balance, you will still need to make at least your minimum payment as shown on your statement.