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help with money owed to Next directory

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Hi ,

I'm just looking for some advice as to what I can do.

 

I owe £300 to Next directory and have been paying £30 a month minimum payment.

 

I have been struggling recently so have missed the last 2 payments.

 

They have added a £20 non payment charge to my account too.

 

I contacted Next via e mail using the letter template to offer a reduced payment of £10 a month and asking for interest to be frozen.

 

They have just replied to me and said the minimum they can accept is £19 a month.

 

Any help with what I can do next would be appreciated as I feel £10 is all I can afford.

 

Many thanks

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You are in charge just start paynig the £10.00 pcm but please keep up the payments.

Just send a covering letter saying that £10 is all you can afford now you have checked your income and expenditure without causing undue hardship.


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TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

 

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx


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Thanks for your replies, I will send a letter tomorrow and see how I get on.

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Hi, thanks for your previous help.

 

I sent the response from dx100uk to Next and they have now replied the minimum monthly payment they will accept is £13.

 

I know it is petty and only £3 extra but money is really tight and I feel they are doing nothing to help me.

 

How do I go about paying just £10 a month?

 

Any furthest advice would be appreciated

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by YOUR internet banking site and the details on the back of their statements.

 

pers i'd now ignore them.

 

and if they have levied ANY £12 PENALTY charges

 

get reclaiming.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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