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    • Sorry I've only just come onto break it just goes to page one of the thread for me. Do you know what post # it was?
    • Agree HB. Remove the cease and desist stuff. Otherwise it's a cracker! Shame you've used so many big words that they will just not understand.😅
    • That sounds pretty good. My only concern is the bit about the cease and desist letter to Excel, please wait for the guys to comment on your letter. HB
    • No mention of Schedule 4 of POFA = Only the driver is liable, not the keeper. Simply don't tell them who the driver is, which means  don't appeal. From a quick search of the site, yours is the first case I can see with Carparksecurities we've seen here so it'd be excellent if you keep up to date and engage with this thread. General advice is to ignore everything until / unless you ever get a letter of claim.
    • So I am now in receipt of a second Letter of Claim this time from DCBL although their letter head now says " DCBLegal"  😱 Now I'm guessing one response to a letter of claim is sufficient and I could ignore this but having been inspired by other snotty letters I wanted to have another bash at one. How does this sound? Dear Lackeys of Company with Unconscionable Morals, Thank you ever so much for gracing me with yet another Letter Before Claim on behalf of Excel Parking Services. How many of these delightful missives do you plan on sending before you muster the courage to follow through on your threats to take me to court? Just so we're clear, here is the response (in italics by that I mean the slanted text below) I previously sent to Excel’s Letter Before Claim, in case your attention to detail is as lacking as I suspect: I am currently 2-0 up in terms of Small Claims Court proceedings and I look forward to the opportunity to claim a hat trick, this case being more straightforward than my previous two. I will be asking the court for an unreasonable costs order under CPR 27.14(2)(g) due to your conduct over this absurd claim. Despite my best efforts, you continue to assert that I have breached your terms. However, I cannot breach terms that I was not present to accept. Have you even read my initial response? I suggest you review it thoroughly and save yourself some money. Additionally, please refer to section 13 of the IPC Code of Practice, 2023 edition. I eagerly await your deafening silence. Remarkably, I haven't heard a peep from Excel since my response; instead, they've passed the baton to you to perform this tiresome routine once more. Consider this my official notice that I am sending a cease and desist letter to Excel Parking Services. Their relentless hounding has crossed the line into clear harassment. Any further demands for payment from you, as Excel's lackeys, will be regarded as nothing more than shameless acts of intimidation and harassment. I now look forward to the deafening sound of your silence. Yours sincerely,
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NEXT Directory covered by CCA?


smartmartian10
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Does anyone know if a NEXT Directory account is covered by the Consumer Credit Act 1974?

 

I have requested a copy of the agreement from NEXT but no reply after 12 working days.

 

I have also made a SAR for everything they have on me but the 40 days still has a while to run.

 

NEXT have so far ignored both requests.

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do you mean the next shop/store card?

 

you need to look on the statement upon who owns it

now ge money is it?

 

 

dx100uk

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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I have looked at the statements and letters in our possession. I have checked the website online. There are no references to the Consumer Credit Act anywhere.

 

And yesterday, received a new card in the post and the mailer it is attached to makes no reference to CCA either!

 

So can NEXT operate an account outside the CCA?

 

Has anyone ever asked and received anything from NEXT in reply to a CCA request?

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Next sent me a letter saying that they did not have a signed credit of agreement and that they are seeking legal advice! My account was closed some time ago but the copy statements that they sent me had a comment on about a £5 charge for late payment? Does anyone know when this started as I am sure that this was not the case when I had my account. Hmmmmm.....:rolleyes:

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Right got a letter today from Wendy Penlington Operations Manager.

 

"Please find enclosed a copy of the agreement that was issued when the account was first started". The enclosures are two NEXT pages headed up Credit Agreement Regulated by the Consumer Credit Act 1974. So in answer to my original question it appears yes they are covered by the CCA!

 

Anyway the enclosures are junk as it is not signed by me or them.

 

Soon it will get interesting lol. They will not be getting any more money out of me.

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It does yes, but from what I can see NEXT seem to hardly ever charge them. I have only two £5 charges on my account, and it has been far from perfect over the years.

 

More importantly I think with no credit agreement they may not profit on the account. In which case, I might be able to reclaim all the interest on the account or "service charge" as they call it. Am still researching this on here and will let you know if I go down this route.

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Just had a tip on another Next thread that they do not charge the correct interest on the statements and that is where they might be hiding penalties. Have never checked the "service charges" on my statements but will be now. Will post when I have done it.

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Thera

 

After a lot of confusion it appears that Next Directory are covered by the CCA, see my earlier post.

 

See also the thread below, Next couldn't provide them with a Credit Agreement either!

 

http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/72384-next-default-removal.html

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In addition to your earlier thread srmjmm10, here is a link to my thread which gives a pretty good connection to how they ARE in fact obligated to comply with the CCA:

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/78759-smel-next-default.html

 

Hope this helps! :)

HSBC *WON* Total £3500

Capital One *WON* Total £385 plus removal of default

Next Disputing Default Notice - CRA's were very unhelpful, am going to make a complaint to OFT/FSA and considering court action following this.

For the Husband:

NatWest Current Account *WON* Total £3500 plus removal of default

Yes Car Credit PPI Posting SAR and first letter this week...

Next up...

HFC Loan - PPI

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Right time to inch a little further forward with Next. They have ignore my SAR under DPA for 40 long days and have also ignored a 7 day letter before court action.

 

So am now preparing N1 form for the local County Court to try and force the information out of them!

 

Have not yet looked further at interest calculations but will in due course.

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I can't believe they've ignored basic law. They don't know who they're trying to mess with....:D

HSBC *WON* Total £3500

Capital One *WON* Total £385 plus removal of default

Next Disputing Default Notice - CRA's were very unhelpful, am going to make a complaint to OFT/FSA and considering court action following this.

For the Husband:

NatWest Current Account *WON* Total £3500 plus removal of default

Yes Car Credit PPI Posting SAR and first letter this week...

Next up...

HFC Loan - PPI

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