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    • This is the full details, note they have made an error (1) in that paragraph 5 stated 14 days before hearing not 7. Surely a company of their size would proof read and shouldn't make basic errors like that 1) The Claimant respectfully applies for an extension of time to comply with paragraph 5 of the Order of Deputy District Judge XXX dated XX March 2024 i.e. the evidence upon which the parties intend to rely shall be filed and served not later than 7-days before the hearing. 2) The Claimant seeks a short extension of time allow them to further and properly investigate data provided to them by Royal Mail which is of importance to the proceedings and determination of the Claim. 3) The Claimant and Royal Mail have an information sharing agreement. Under the agreement, Royal Mail has provided data to the Claimant in respect of the matters forming the basis of these proceedings. The Claimant requires more time to consider this data and reconcile it against their own records. The Claimant may need to seek clarification and assurances from Royal Mail before they can be confident the data is correct and relevant to the proceedings i.e. available to be submitted as evidence. 4) The Claimant's witness is currently out of the office on annual leave and this was not relayed to DWF Law until after the event which has caused a further unfortunate delay. 5) The Court has directed parties to file and serve any evidence upon which they intend to rely not later than 14- days before the hearing i.e. by 4pm on 6 June 2024. Regrettably, the Claimant will have insufficient time to finalise their witness evidence and supporting exhibits as directed. We therefore respectfully apply to extend the time for filing/serving evidence so that the evidence upon which the parties intend to rely by filed and served not later than 7-days before the hearing i.e. by 4pm on 13 June 2024. 6) This application is a pre-emptive one for an extension of time made prior to the expiry of the deadline. In considering the application, the Court is required to exercise its broad case management powers and consider the overriding objective. 7) In circumstances where applications are made in time, the Court should be reticent to refuse reasonable applications for extensions of time which neither imperil hearing dates nor disrupt proceedings, pursuant to Hallam Estates v Baker [2014] EWCA Civ 661. 😎 It is respectfully submitted that the application is made pursuant to the provisions of CPR 3.1(2)(a) and in accordance with the overriding objective to ensure the parties are on an equal footing when presenting their cases to the Court. The requested extension of time does not put the hearing at risk and granting the Application will not be disruptive to the proceedings.   They have asked for extension Because 2) The Claimant requires additional time to consider and reconcile data received from Royal Mail which is relevant to these proceedings against their own data and records in order to submit detailed evidence in support of this Claim.
    • i was merely pointing out if the OP did put in an N244 it required a bundle. as for what they need to do now.... it might be an idea to post a link to your thread then the OP can read it and understand where your guidance is coming from and the ongoing process he will have to follow... dx
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NEXT Directory covered by CCA?


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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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