Next lost credit agreement

wynjones

I recently purchased sofas from Next on a Fixed Sum Loan Agreement provided by Barclays. I received a phone call today stating that Next had lost the Fixed Sum Loan agreement and they required me to go back to the store to sign a new one. Should I sign a new Agreement? Could I end up paying double if they found the other one? Also I'm worried about the issue of Data Protection, if they've lost the other agreement which included data such as my name, address etc, can I bring any actions against them for not dealing with my details in the manner that they should have under the Data Protection Act. :mad:

jonesMUFCforever

What you are really asking is - can I use this loophole to get out from paying.
The answer is no.

They could however send someone to repossess the sofas!

wynjones

Thank You for your reply

I have every intention of paying for the sofas, since I received the goods. I was merely asking if there are any steps I should follow before signing the new Fixed loan Agreement, and if theres anything I can do, since Next have obviously lost my personal details.

zppp

wynjones wrote: »

and if theres anything I can do, since Next have obviously lost my personal details.

It's not obvious I'm afraid. They may have destroyed the credit agreement in error, which is not the same as losing your personal data.

ioweitall

I personaly would'nt sign a new agreement, as you have pointed out yourself ''they would have two agreements'' anyone how says they wouldnt use this against you is a fool, as this happend to me with 3 mobile phone company that was two years ago and I am still argueing the point and refuse to pay for a none existant phone, I would see citizens advice if you havent had any luck here...and why should'nt you use it to your advantage ! alot would,If you decide to sign it I would be writting on the agreement why you where signing it just to cover yourself.

PNPSUKNET

ioweitall wrote: »

I personaly would'nt sign a new agreement, as you have pointed out yourself ''they would have two agreements'' anyone how says they wouldnt use this against you is a fool, as this happend to me with 3 mobile phone company that was two years ago and I am still argueing the point and refuse to pay for a none existant phone, I would see citizens advice if you havent had any luck here...and why should'nt you use it to your advantage ! alot would,If you decide to sign it I would be writting on the agreement why you where signing it just to cover yourself.

Its called been honest, try it sometime

jonesMUFCforever

Why not just mark it duplicate so that there is no mistake in the future?

Errata

Just give then a copy of your copy with an attached explanatory note writte by your for their records.