Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
We have today received a letter from Next stating that they 'Regret to inform us but they are unable to offer credit facilities'.
It says that as part of their order processing operation they consult a Credit Reference Agency. Does this mean that every time someone places an order with next they do a Credit Check?
I have had a Next Store Card and Directory for over Four Years and have never missed a payment. Can anyone shed some light on this for me?
Sorry, didn't mention that I had called and that they said that there was an issue with my Credit Rating NOW!!!!
I may not have the worlds greatest Credit Rating, but nothing which has changed dramatically over the last year or more.
I just cannot understand how I am able to go into Next just before Christmas and spend £90+ on various items, use my Next Store Card to pay and then 2 weeks later this happens.
I didn't realise that your Credit Rating is monitored by these people all the time, I can appreciate they are providing me with a Credit Service, but at the same time I have never deviated from payments to Next.
I am just very confused as to how this can happen as I have never had a problem with Next in over Four Years.
Have you checked you credit rating to see if anything has been changed on it in the past few weeks/months.
If there has been no change on your credit rating I would ask them as to why they have withdrawn your credit.. I know they can withdraw credit at any time but just to do it without prior warning is a bit of a mystery ?
Ian
Lloyds TSB -PPI - Full refund . 05/09/06 (As Seen on TV)
Halifax settled in Full.. 22/09/06
TSB First Claim SETTLED IN FULL 19/10/06
Second Claim to Lloyds TSB - Settled in Full
Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07
PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.
If my post has helped you, please click the scales! :grin:
Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.
Next Directory/Store Card
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