How to remove NEXT default notice

Katuska

Dear All,

Hope you can help me with my situation.

I checked my Experian file and as it turns out in Nov 2005 NEXT entered a Default notice on my account. Outstanding amount was paid in dec 2005 (£121!!!!), and the account is now Satisfactory Settled, but still with a default next to it.

I don't recall anything about it but as I just had our baby at the time it may have happened, honestly I can't remember. One thing I know for sure though: I never received a default notice letter from NEXT!!

So I asked NEXT 2 months ago to send me my account nr with them (they did) and then I sent them a letter found here, asking them to supply me with a signed and true copy of the default notice from 2005.

3 weeks later today I received a letter saying that I only have a cash account with them (which is basically a pay-as-you-go account, so no credit agreement is signed), but then they state:

"The goods that have been charged to the account have been ordered by and delivered to the account holder, without payment in full having been made for them. We are entirely satisfied the account holder remains in debt to Next Directory.
A default entry will therefore be made on the credit reference file, which may affect the ability to obtain credit in the future..."

Now, this was dated last week, but I've got two problems with this letter:

1. If this is a cash account, which balance is 0, then how can I be in debt to next
2. If this refers to my account that has been settled in 2005 then how can they enter a default entry now dated last week

I'm really confused!!
So I called Next to at least figure out what the hell is going on with my account numbers etc.
Turns out they don't have anything under my details apart from this cash account which was created in 2007 (by who????), and its balance is 0, which is just right as I never knew about this account ergo I never spent on it.

So, looks like I've got a default notice entered in 2005 for an account that NEXT doesn't seem to have any traces of.

They asked me to send them a copy of my Credit reference file with the default notice on it and also a copy of today's letter.

Can anybody help me figuring out what is going on?
If they can't find my file at all, can I just ask them to remove the default notice?

Pls help!

Thanks a million!

PNPSUKNET

They will find it, but next are slow on the uptake

Katuska

Oh.
Not exactly what I wanted to hear...