NEXT Directory covered by CCA?

[smartmartian10]

Does anyone know if a NEXT Directory account is covered by the Consumer Credit Act 1974?

 

I have requested a copy of the agreement from NEXT but no reply after 12 working days.

 

I have also made a SAR for everything they have on me but the 40 days still has a while to run.

 

NEXT have so far ignored both requests.

[smartmartian10]

Has anyone got a CCA request back from NEXT?

[dx100uk]

do you mean the next shop/store card?

 

you need to look on the statement upon who owns it

now ge money is it?

 

 

dx100uk

[smartmartian10]

Statement states Next Retail Ltd trading as Next Directory

[smartmartian10]

I have looked at the statements and letters in our possession. I have checked the website online. There are no references to the Consumer Credit Act anywhere.

 

And yesterday, received a new card in the post and the mailer it is attached to makes no reference to CCA either!

 

So can NEXT operate an account outside the CCA?

 

Has anyone ever asked and received anything from NEXT in reply to a CCA request?

[mamatemi1]

Next sold my debt to Moorcroft. I have CCAd Moorcroft but they are in default as of today.

 

GOod Luck.

[cerberlus]

I have just found my original agreement and yes it states on there that the account is regulated by the consumer credit act 1974.

hope this helps:)

[smartmartian10]

cerberlus - thanks for the post greatly appreciated.

 

Still heard not a word from NEXT. My statement is due in post anytime now. Then no doubt phone calls will start as I didn't make the last payment!

[spitting kitten]

Next sent me a letter saying that they did not have a signed credit of agreement and that they are seeking legal advice! My account was closed some time ago but the copy statements that they sent me had a comment on about a £5 charge for late payment? Does anyone know when this started as I am sure that this was not the case when I had my account. Hmmmmm.....

[smartmartian10]

Right got a letter today from Wendy Penlington Operations Manager.

 

"Please find enclosed a copy of the agreement that was issued when the account was first started". The enclosures are two NEXT pages headed up Credit Agreement Regulated by the Consumer Credit Act 1974. So in answer to my original question it appears yes they are covered by the CCA!

 

Anyway the enclosures are junk as it is not signed by me or them.

 

Soon it will get interesting lol. They will not be getting any more money out of me.

[lanster]

hi

does this mean that you can get late charges back from NEXT

 

cheers

[smartmartian10]

It does yes, but from what I can see NEXT seem to hardly ever charge them. I have only two £5 charges on my account, and it has been far from perfect over the years.

 

More importantly I think with no credit agreement they may not profit on the account. In which case, I might be able to reclaim all the interest on the account or "service charge" as they call it. Am still researching this on here and will let you know if I go down this route.

[lanster]

cheers

[me_n_my_kids]

subscribing!

[doo]

subscribing

[Dave777]

me too!

[sparkle51]

and me

[smartmartian10]

Just had a tip on another Next thread that they do not charge the correct interest on the statements and that is where they might be hiding penalties. Have never checked the "service charges" on my statements but will be now. Will post when I have done it.

[doo]

That sounds interesting only problem is I haven't got my statements but will be good to see your findings.

[therafalution]

we received a letter from next saying they could not provide a cca as one didn't exist. They have passed it on to lewis' who have tried to say it doesn't matter as goods were received. Tried to imply that catalogue debts were not covered by cca.

[smartmartian10]

Thera

 

After a lot of confusion it appears that Next Directory are covered by the CCA, see my earlier post.

 

See also the thread below, Next couldn't provide them with a Credit Agreement either!

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/72384-next-default-removal.html

[smartmartian10]

I have checked 4 months statements and can not make head nor tail of how Next calculate the interest. Hope to spend some time this weekend researching it all!

[smel24]

In addition to your earlier thread srmjmm10, here is a link to my thread which gives a pretty good connection to how they ARE in fact obligated to comply with the CCA:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/78759-smel-next-default.html

 

Hope this helps!

[smartmartian10]

Right time to inch a little further forward with Next. They have ignore my SAR under DPA for 40 long days and have also ignored a 7 day letter before court action.

 

So am now preparing N1 form for the local County Court to try and force the information out of them!

 

Have not yet looked further at interest calculations but will in due course.

[smel24]

I can't believe they've ignored basic law. They don't know who they're trying to mess with....