Next Directory are Dotty

[Dotty111]

Hi has anyone had a similar problem as me with next. I didn't have a directory but last year I wanted to buy a watch which had sold out in the shop but they had on-line. I ordered it and paid (or so I thought) with my debit card. Thought nothing of it but at the end of the month I received a statement from Next. It appears they had only charged £3.00 to my card and had given me a credit account (which I never asked for) anyway I paid off the balance and over the next year have ordered numerous things on line. They increased my credit limit to £300 but i usually paid off the amount in full when I got the statement. Last week I ordered some clothes for xmas presents but the following day I got a letter to say that my account had been closed as they believed in "sensible lending" and they had contacted a credit reference agency ( I have a default from over 3 years ago with MBNA who I am fighting to remove as they have no credit agreement and I am claiming charges) I am really annoyed as I did not ask for a credit facility, they sent me a credit agreement last year but i just threw it away so they don't have a signed agreement and also do they have the right just to do a credit check without my authority and in the absence of a credit application by me. I know that these checks if done and credit refused can go against my credit score which I am desperate to build up again.

[Guest Old_andrew2018]

Bump

[Nagasis]

Hi has anyone had a similar problem as me with next. I didn't have a directory but last year I wanted to buy a watch which had sold out in the shop but they had on-line. I ordered it and paid (or so I thought) with my debit card. Thought nothing of it but at the end of the month I received a statement from Next. It appears they had only charged £3.00 to my card and had given me a credit account (which I never asked for)

Purchasing anything from their website means you have agreed to the terms and conditions - which state they will credit check and open a credit account.

 

 

anyway I paid off the balance and over the next year have ordered numerous things on line. They increased my credit limit to £300 but i usually paid off the amount in full when I got the statement.

which effectively means you accepted and used the credit available

 

Last week I ordered some clothes for xmas presents but the following day I got a letter to say that my account had been closed as they believed in "sensible lending" and they had contacted a credit reference agency ( I have a default from over 3 years ago with MBNA who I am fighting to remove as they have no credit agreement and I am claiming charges)

They have done this to several people I know, one had their available credit reduced from 3600 to 0.

I am really annoyed as I did not ask for a credit facility, they sent me a credit agreement last year but i just threw it away so they don't have a signed agreement

As it was from last year they effectively do not need a signed agreement, also as it was online a tick in the box would suffice

 

and also do they have the right just to do a credit check without my authority

you gave authority when accepting the terms and conditions

 

and in the absence of a credit application by me. I know that these checks if done and credit refused can go against my credit score which I am desperate to build up again.

 

The next website, like jdwilliams etc state in very small letters in the terms and conditions (hidden on the website) that they will credit check and open a credit account. Alot of people are duped into agreements they know nothing about.

 

The main problem is that when you think you are creating a website account you are also creating a next credit account at the same time.

 

All i can say is that as you paid the credit off each month that could only of helped your credit score. You are lucky you have got rid of them.