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Next Default no CCA


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Hello any advice on this would be great please!


I have an outstanding balance with next catalogue. I have recently fallen behind with payments and have kept in regular contact with them regarding payment plans etc as my hours dropped in work.


I have been paying around £50 per month however this has not stopped them now issuing a default and passing me to a dca who have began to text and call me even though I have received no written correspondence from them as yet. I have not called them back or answered the phone.


I contacted next and asked if they could help and they are not interested and told me a default will be registered against me.


I want to do anything I can to avoid this!


It is not my intention to avoid paying the debt or ignore it...I simply want to try and avoid a default.


I know for a fact that they do not have a cca as I have never signed one and wonder if there is anyway I can use this to my advantage to get them to take the account back and allow me to clear the balance without a default?

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