Next/ Credit Agreement

[theapoll]

I started my account with Next back in 2002. After going into arrears, they are now threatening me with their debt recovery agency after refusing my offer of £5 per month ( i owe £300).

 

I remember receiving a credit agreement contract for me to sign on two seperate occassions- but do not recall signing it. I am now in the process of asking for a copy of that agreement. What i want to know is if i didnt sign it, will the debt be inforcable in court. Could they get an ccj awarded?

 

Thea

[Guest Lueeze]

I doubt they will provide it, as obviously its unlikely they even have a signed agreement.

 

If they do not provide it, or dont have it then i would be very surprised if it is enforceable, but im no legal expert on this.

 

Generally they will just drop the case.

[theapoll]

Gave them 12 days to send credit agreement- did not arrive.

 

Does this mean i can contest this debt?

[Twinkletoes31]

I'm having a nightmare with my next account at the moment. Gave me a 600 pound limit. I've paid more than the minimum every month, stayed within my limit. They decided to drop my credit limit to 250 without letting me know, which means i am now over my limit. I haven't even signed and sent off the credit agreement its still here at home. Does anybody know what I can do to get them to not mess up my credit file? Sorry new to this forum thing.

[theapoll]

Im not sure but it would be very difficult to stop them reporting this on your credit file. First things first, use tell them the debt is in disrupute and ask for your credit agreement.

[theapoll]

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