delbuk
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If I were to ask back all the interest and charges I paid on that account, I know I would probably get a couple of thousand back. However, my problem with them and the reason I did attend court is because of the way they treated me. I did have products of them, and still owed them money, so I am contented with the result, and I do not want to be too greedy, so I think I will leave it at that.
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what do you mean? If you mean court costs, it was Next that paid because they started the claim
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Thank you, I still can't believe it myself. Now I'll just have to make sure they remove the debt from my credit report, unless of course they do it themselves now.
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Today was the day!!!! Let me just say that I WON !!!!!!!!!!! Next's claim was struck out!!!! The words are still echoing in my ears. I had been so worried and I hadn't been able to sleep well. Today I went into court hoping things would go my way, but I thought seeing as it's me things will DEFINITELY go wrong. The judge asked me why I thought asking for my CCA would help. So I said that in the unsigned one they had sent me, it said that according with the credit act of 74, I have rights. The judge then asked them, since my defence was that I hadn't received my CCA, where it was. T
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and I had been making payments until I was late with one in January
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I contacted Next and arranged to pay £60 a month, until I cleared it.
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I am quite sure I wasn't sent a default notice. I was however on a payment arrangement scheme, and when I contacted Next and pleaded with them to take my payment, they said that my account had been transferred to Lewis Collection Agency, and then I received a letter from Howard Cohen and co, a notice of pending legal action, unless I paid them the whole amount. Then I asked them for my cca and I am still waiting. Next is named as the claimant
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I have just checked my credit report, and Next is there as defaulted account 2012. What do I do now?
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No I haven't got the statements, mainly because they didn't send me my agreement so I thought that would be enough. I have not asked for their charges because I didn't have that many. I owe them about £700. I last used the account about 2 years ago, and had been paying ever since to clear it, but because I was late 7 days, they took it to court. I have not checked my CRA account, what happens if this shows? What do I do then?
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Thank you for you replies. I am quite stressed about this, I wonder whether they' ll let this actually go to court or they may give up. If the judge in court asks me about me owing Next money, what do I say? I haven't denied I owe them the money, but what can I say? Do I just say that I am still waiting for my signed cca agreement? I hope I don't have to say anything !
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I have had a copy of their documents which they are going to present in court next month. Within the documents it basically says that I received goods off them online and I still owe them the money. Also they have a witness, a litigation assistant. They also say that they sent an unsigned credit agreement because such requests only refer to running-credit accounts, and because mine wasn't they don't have to send it to me.
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Isn't it too late now? The hearing is set and I have sent the docs already. Would I have to start a new claim? Should I treat it as a separate case? Sorry I keep asking, I'm useless with things like this.
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Isn't it too late now? The hearing is set and I have sent the docs already. Would I have to start a new claim?
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The account is around 10 years old. I have had charges for late payments, but I am not claiming those back.
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I certainly will, ha ha. Again, thank you.
