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UK Default Recovery /Next Directory Card

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Been reading on here but getting in a bit of a confused mess?


The wife has received a letter today from UK Default Recovery acting on behalf of Next Directory. Now she paid a whole load of debts off last year when she got made redundant and used her redundancy money to sort it all out (even though I think she paid too much to most due to charges which I will try and claim some back).


As a consequence of onec bitten twice shy this debt collection firm says she owes £205.57 and I am dubious to how much of this may be charges. Can I get details on this debt and if so which form is best to use.


She hasn't heard anything from next in the last year or so then suddenly this.


Im keen to do this one correctly.

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send the dca a cca request, if it is next then it is doubtful they will have an agreement anyway




Getting There Slowly



Advice is given freely but is in no way meant to be taken as Gospel:-)

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I would get on to reclaiming the charges back as soon as possible.

If you don't know how much has been taken in charges, you will need to SAR the original creditor to get the statements of the account then put your claim in.


As PGH says, get a CCA request in to the DCA.

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Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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