Hi All

I have a DN for an old next account registered.

The DN seems to be in the name of the DCA.

I requested a copy of the original agreement and DN from Next.

The DCA responded with the attacehd.

The DN looks legit, but the agreement seems to have my address added onto an old scan of their agreements.

Is this worth prgressing, to try and have the Dn removed. I have no issue in paying the debt if required.

Its the DN that is causing me issues.

Attached are, Credit report grab. Email from DCA, Email to Next, Next Agreement, Next DN.

Many Thanks

G

The default on your credit file will remain for six years from the date that it was placed on there.

Unless the information is incorrect, then you won't get it removed.

Just having a quick browse of your uploads, you've left reference numbers on the DN issued by Next, plus DM are offering a discount of 50% WHY???

How much of the total figure is made up of charges and fees added by Next? Have you reclaimed them?

Also, not sure where you got that letter template from, BUT, be wary of using any FMOTL jargon and advice, you will NOT get sight of the deed of assignment, only a notice of assignment.

The OC registered the default before or upon sale because of the way you conducted the repayment of the account during your agreement term.

It being enforceable or not doesnt change that

Thread title updated for clarity and moved to mail order forum

Sorry Dx, multipage PDF attached.

I cannot seem to edit the previous post to remove the attachements.

So with the agreement. Is this something that needed to have been signed?

It seems to be a scan of a blank agreement, with my name and address added at a later date. Most probably during the last week.

Next DN Docs.pdf

doesn't matter.

as post 3 sadly.

Thanks DX

So this is dead in the water.

Take the 50% discount and ride out the next 3 years? Hi

paying it wont do anything

you might as well burn the money for all the good it will do you and your credit file

expand your story..going for a mortgage

whats behind this please?

Trying to clear my credit file.

Everything is clear.

My Experian is 975 and this doesn’t show.

My Equifax is 302 and this default is the only thing holding it back.

Oh well

Don't waste your money then

Can't improve it

Yep, pointless paying 50%, it only goes into their profit pocket and will do stuff all to help your CRF.