Thanks! I'm so annoyed with them at this I'm going to come from a few angles. I'll send him an Email, I'm also sending a letter to their Data Controller, if that doesn't get me any results I'm complaining to the ICO on Data Protection grounds.

I don't think it will affect my score so badly. I understand how that record of a late payment came to be. Its just this frustrates the hell out of me because I didn't pay late, I paid early. This information is saying this guy pays late, and I don't! NEXT still got their money and when I ask if they would mind amending the record they shut the door in my face.

Ok. sorry, I made the payments using online bank transfer each month, some months it may have been on 16th, the next month on the 10th, usually as soon as I remembered to do it. This payment was made earlier than the others just because I had a lot of outgoings that month so I wanted it out of the way. They said their statements started 2 days after I made the payment. It just so happen I hadn't payed that early before.

I made the payment via online bank transfer each month. This was a remnant from when Next didn't do Direct Debits or accept my card. I have since set up a direct debit to make sure this doesn't happen again. However, I wasn't aware that this could happen! Its just common sense, if you pay in November, you expect that payment to be deducted from November's statement. I don't know here I stand legally with this, I wouldn't mind knowing this before I go back to them because so far they are refusing to budge.

Hi all, Wanted to share this and see if anyone could give me some advice to where I stand. I have had a Next account for a long time, and have spent thousands with them. A couple of years ago I started using my next account as a credit building exercise, buying bits and bobs and making sure I payed them every month. I check my credit report regularly and at the beginning of this year was shocked to see the Next had said I had made a late payment for month November last year. I was sure I hadn't missed, so I checked all my statements, sure enough a payment went out of my account every month. When I phoned them to enquire, and prove I hadn't missed, they told me that Novembers payment was 2 days too early (i payed on 6th November, their November statement starts 8th) so was included on October's statement. Despite my utter refusal to accept this, they told 'computer says no' and wouldn't budge. I contacted Experian who in turn contacted Next, still they wouldn't budge. I'm fuming about this, it seems so unfair. And besides they are holding incorrect information about me on my credit report, saying Novembers payment was late, when really it was early. I am been a good customer and being punished! I am going ring them back, but thought I'd get some views on this and where I stand. Many thanks in advance.