problems with Next

Michelle32

Hi everyone I owe next £1100 due to reduction of hours at work am no longer able to pay the minimum payment they have been sending letters for a while now threatening DCA so sent e-mail offering £35 a month as this is all I can afford only work part-time but they are rejecting this offer where can i go from here

Thanks

Mic

DarkConvict

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

Physical/psychological harassment
2.5 Putting pressure on debtors or third parties is considered to be oppressive.
2.6 Examples of unfair practices are as follows:
f. pressurising debtors to pay in full, in unreasonably large instalments,
or to increase payments when they are unable to do so

2.7 Dealings with debtors are not to be deceitful and/or unfair.
2.8 Examples of unfair practices are as follows:
g. failing to refer on to the creditor reasonable offers to pay by instalments

If that is all you can afford i would keep on making the offer, if they have given you a means to start paying begin making the £35 a month payments.

NDL provides a sample template for when a creditor turns down an offer of payment, near the top of the combo box - http://www.nationaldebtline.co.uk/england_wales/debt_advice.php#6