Thread: NEXT Directory - response to CCA request

Hi everyone,

as you may know, I have several issues at the moment with various creditors.

Anyway, a couple of months ago, I wrote to Next to ask for a copy of my original agreement. Nothing fancy, just a nice request. I got a letter back with a copy of a blank "Consumer Credit Agreement".

I did a formal CCA request a couple of weeks ago, and I've (hopefully) linked to their response below.

Would anyone be so kind as to have a look and share their thoughts?

I don't think it takes a genius to see that its rubbish, but wonder what my options are regarding future payments.

For the record, I had to request reduced payments unitl further notice due to major changes in personal circumstances. Interestingly, while all my other creditors kicked up a stink, Next just said "YES!" and are happily accepting a much lower payment, with no interest being charged.

Anyway - here's my letters:

Response: http://i777.photobucket.com/albums/y...1911/Next1.gif

Supposed CCA: http://i777.photobucket.com/albums/yy57/citygent1911/Next2.gif

Thanks in advance.

BL

Next are sneaky and tell you rubbish.

They threatened me with court via Graham something - I rang up and told them to take me to court as there is no CCA. I heard nothing further.

So should I stop paying them altogther? They have been quite reasonable with me - thats what makes me think they've got no paperwork!!

Should I ask to see the agreement bearing my signature?

Hi everyone - bit of an update...

Been ignoring Next for a few months, as they keep sending the same "True Copy" of an agreement so not been ars*d to waste a stamp on them.

Had a letter recently from Moorcroft Debt Collections - requesting payment of the full outstanding balance.

As far as I can see, I havn't received a Default Notice from Next, so is this classed as unlawful rescission? If so, I might just tell Moorcroft to shove it Has anyone else heard of Next terminating without a DN?

Thanks in advance - BL

I had an account with Next, for which they withdrew the credit facility last year. I had not missed a payment on the account since it was opened around six years ago. Apparently, they review credit files on a regular basis and decide to remove the facility. as they did this, I stopped paying them and they have defaulted the account, I have been getting letters and calls from Debt Manager LTD, yesterday I got a letter from them with a load of old statements and a completely blank agreement!!

So I would say that unlawful recission is quite commonplace with Next.