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A while ago I received an email from Digital Financial Services claiming the remainder of my Nextcredit loan had been transferred to them.

 

It sounded dodgy but after emailing Nextcredit, they confirmed my loan had in fact been transferred as stated.

 

I've sent a few emails back and forth to DFS asking them for further details of my account to prove they were in possession of my details. Their initial email simply said 'dear customer' but did quote the correct loan amount outstanding. They replied with my postcode and mobile number, this pretty much convinced me things were on the level and I was then planning on discussing repayment options.

 

10 minutes ago I have now received the following email from Next Credit:

 

Hello,

 

Re: Digital Financial Services Ltd

 

We write to you following notification that a company called Digital Financial Services Ltd (DFS) may have attempted to contact you regarding your loan with Nextcredit Ltd. We understand that DFS is claiming that certain loans made by Nextcredit have been transferred to it and they are instructing our customers that all future payments are made to DFS directly.

 

We are writing to confirm that this is not the case and that DFS is not acting upon any instruction or agreement with Nextcredit Ltd. Your loan has not been transferred to DFS. You should continue to liaise and/or make payments either directly to Nextcredit Ltd or, where instructed, our collection partners, Adept Credit Solutions Ltd and/or their agents Capital Resolve Ltd. We would emphasise that if any payments are made to DFS they will not be credited to your loan account with us.

 

We apologise for any inconvenience or distress caused by the actions of DFS and wish to assure you that we are taking appropriate steps to prevent DFS from continuing to contact our customers.

 

Yours sincerely,

 

 

The Nextcredit Team

 

Very shady! I'm awaiting a reply from Nextcredit on why they told me DFS was legit and also how they got my loan and personal details!

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Contact FCA as well.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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Thanks, I'll write to them also.

 

Anyone know if Nextcredit and DFS are linked at all or just share same registered office?

 

Nextcredit Ltd Company Number 7745512, Consumer Credit License 649567, Registered Office Camrose Wisteria House, 2a Camrose Avenue, Edgware, Middlesex, HA8 6EG

 

Digital Finance Services UK Limited. Wisteria Camrose House, 2A, Camrose Avenue, Edgware, Middlesex, HA8 6EG

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Either same company or its a redirection centre.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

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  • 1 year later...

Hi! Digging up this old post with an update and another question. The following reply I received from NextCredit was as follows:

 

"We confirm that Digital Financial Services (DFS) and Nextcredit Ltd are in a business relationship and as a result of that relationship, DFS was able to access some of Nextcredit’s data. DFS has misused the data and Nextcredit is currently investigating the circumstances of the misuse, which includes any email communication as outlined in your correspondence to us.

Please note, there has not been any leakage of personal data; the only use to which DFS has put the data is to contact the data subject, being yourself. The data is secure and will remain so and further, DFS has agreed not to use the data again during the investigation.

Should it be established that a breach of the Data Protection Act has occurred then this matter will be reported to the Information Commissioner. You will also be contacted with the results of the investigation once it is complete.

 

We confirm again that collection activity on your outstanding account will remain on hold whilst the investigation is ongoing."

 

 

This was the last contact and I was happy to let it go as I assumed the final £143 balance had been waived. It's only after checking through my credit report today that I've found this account to be showing as defaulted 18 months later.

 

I've emailed them to question the default status and the result of their 'investigation' which they never responded back with.

 

I really overlooked the data misuse admission at the time, is this something I could claim compensation for?

 

Thanks

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Potentially yes, Speak to the ICO and see what they think. Could be an interesting case.

Also refer to the FOS.

 

DFS UK have moved.... https://companycheck.co.uk/company/07090211/DIGITAL-FINANCE-SERVICES-UK-LIMITED/about

They were registered at Wisteria House...

 

We could do with some help from you.

 

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So their registered office is a redirection centre?

 

http://www.endole.co.uk/explorer/postcode/s11-9ps

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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It would seem that DFS were placed into liquidation via a complaint by Callcredit (the credit reference agency) as they were a creditor of the firm (June 2015) so if DFS have contacted anyone after this date, they are breaking the law.

 

IF DFS had access to NextCredits files, I would think they have appropriated a list of debtors and trying to fraudulently claim they are the creditor. If that is the case, Nextcredit will have some questions to answer so a complaint to them is in order for not protecting customer data.

 

Their consumer credit licence lapsed on 28/02/2015 so they should be reported to the FCA.

 

Having checked the ICO register, they are not on there either so a complaint needs to go to the ICO.

 

I'm sure there will be repercussions to this matter

If you are asked to deal with any matter via private message, PLEASE report it.

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

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