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Hi all.....Having a good read at all the post regarding default notices with interest .

It seems to me that if a company can't provide a signed CCA then any data that has been passed to credit agency is not valid and any default motices etc must be removed as a matter ofcourse.


So in the cases regarding Next they send out a letter stating they don't have a signed CCA(appears to be a standard letter) then they are in breach of the data protection laws and we can get all info removed .

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Hi Saints, now subscribing...


You're right as you've probably read on my thread that as Next are clearly telling everyone here that they hold no signed CCA then no they cannot pass a default on us.


I will watch how you get on.



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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  • 4 weeks later...

Hi All ,


I have just recieved a letter from Next regarding my request for a CCA and they have told me they don't have one . They have also kindly sent me a COPY of my default or rather should I say a letter telling that I must respond to there letter and I quote "Failure to respond to this letter may result in


1. Additional costs being added to your debt

2. A default will be registered with our credit agency etc

3. A collector calling at your home

4. A summons being issued against you for the total oustanding balance

5. You will no longer be able to trade with Next Directory


So does this act as a default notice or is there an actual default notice confirming a default has taken place .


This letter to me is only a warning what could happen.


Oh well next step is the CRA's as Next has given me written evidence that I didn't sign anything nor give consent to data being used.


Can you think of anything I need to do ? Your input would be helpful.

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