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Iqor and Next Directory Default


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Hi, I wondered if someone had some advice regarding the following default removal. My ex wife opened a next catalogue in my name and ran up debts which defaulted in 2008. Earlier this year Iqor sent me a letter saying that for a reduced fee they would settle and close the debt. Due to the fact that I was looking for a job at the time I settled to try and clean up my history a bit.

 

Subsequent to this I have contacted Next and asked them to remove the default as I was not mine. Due to the matter being as they described it, a domestic dispute, they refused. I then asked them to send me a copy of the credit agreement which I signed allowing them to pass data about me to credit reference agencies. They could not supply this, instead they sent me a blank photocopy of their credit agreement.

 

What should be my next steps regarding getting this removed?

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if they are offering a discount it means its mostly ppi/unlawful charges

or

the paperwork is cack.

 

so's they'll never go near a court.

 

you'll p'haps need to sar them to see if the charges are sole reason of thedefault

 

if so, and you reclaim, then the default must be removed

 

as for the bit of your wife doing it in your name

 

to get a result on that issue, you'ed have to declare it as fraud.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thanks, they have already told me they do not have a copy of the CCA signed by me. Do I still need to SAR them, or should I do that anyway to see what charges have been added?

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