Any Help with Next please I'm stumped

[bodgerella]

Hi to all

I sent a S.A.R - (Subject Access Request) to Next and this is what I got back

 

 

" I am in receipt of your letter dated 13th April 2007 regarding you Next Directory Account,

 

The recent media coverage and OFT announcement that you refer to relates to credit card default charges set at higher than 12 pounds. Credid Card default charges are charges in standard credit card contracts for a failiure to pay a minimum paymrent on the due date, exceeding a limit or failiure to honour a payment made. The OFT have also indicated that a maximium charge may apply to charges in other consumer contracts such as bank overdrafts, store cards and mortages

 

Your Next Directory account is neither a credit card nor a store card but a mail order acoount. As such the OFT have not set a maximum default charge level. In any event Next Directory only set default charges, set at 5 pounds on April 18th this year. No default charges have been applied to your account since April 18th as I have already indicated, no default charges have been applied perviously as next Directory did not implement a charging policy until April 2006.

 

The 5 pounds charge reprenets actual or liquidated loses and as such Next Directory are entilted to make this charge where the agreemnet is defaulted upon you are therfore not entitled to receive a refund of of default charges..

 

Signed

 

a big squiggle

 

The Correspondence Department

 

 

Erhm?

 

I haven't asked them for my charges back just a standard S.A.R - (Subject Access Request) in which I also requested a copy of the original credit agreement. I didn't mention OFT or charghes or anything-any suggestions on how to reply to this or should I phone them?

 

By the way they did have fees and charges pre April-just called them something else-very keen on wacking extra money on the monthly bill-just need the statements to prove it.I was taken with the fact they didn't even have the bottle to put someone's name to the letter just signed it with a big round circle-very patronising

 

Den

[Chris_w]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Fire one of thiese off and see what happens

[bodgerella]

Hi to all

After sending the non compliance letter a letter landed on the mat right on the deadline date saying the matter would be investigated. This week I've recievd a small pack of computer print off re the account. I can understand the orders placed but the payments received are not fantastically clear and other charges are just listed as "service charges" so i don't know what they consist of. nor is there an orriginal agreement emclosed whichI asked for. This account has already been through court so i probably can't argue the toss over the original agreement as it has already been enforced and I am making payments but they did heap a pile of charges on me and if I can get these refunded this will reduce the balance owed-any advice would be very useful as to my next move.

Den

[surprise]

There are lots of threads with Next - they do not hold signed agreements. One good thread to read is Urgent Help please - monopoly23 - General Debt.