Next directory

amstel2

Hello

I have had a Next Directory a/c since the 80s but i haven't used it in the last few years. I think i had PPI on this a/c at some point also in the past Next did personal loans & had one of them as well in the 80s.

I have the Next Directory a/c nunber & was wondering what their PPI claim address is.

Thanks

Nasqueron

Do you have any documentary proof that the account had PPI?

Regardless 80s is a long time pre-regulation for store cards (started in 2005) and they can (and probably will) dismiss the complaint as pre-regulation even if you had any paperwork left showing you paid it. If you have no paperwork left then your complaint won't progress anyway as you can't prove you paid it.

amstel2

Martin has said on tv he has known success stories going back to the 80s so for the cost of a letter & a stamp i think it's worth a go.

dunstonh

amstel2 wrote: »

Martin has said on tv he has known success stories going back to the 80s so for the cost of a letter & a stamp i think it's worth a go.

80s cases have occurred but they are rare. Mainly for the following reasons:
1 - it is pre-regulation (this means a number of distributions dont have to consider complaints from that period)
2 - PPI was mid 80s invention that didnt become mainstream until late 80s/early 90s. So, 80s cases dont have the volume sales
3 - documentation is typically light or non existent 30 or so years later.

[Deleted User]

amstel2 wrote: »

Martin has said on tv he has known success stories going back to the 80s so for the cost of a letter & a stamp i think it's worth a go.

Not without any documentation from your own archive it isn't.

Even with documents you would struggle, what complaint would you give thirty years on?

You aren't even certain if you had PPI!
Regardless, you are a bankrupt and cannot personally gain from PPI complaints..

sun73

The Next directory complaint address is on their website. I opened an account with them since 1988 which they confirmed in a phone call, but said they couldn't locate the original credit agreement/application or any transaction histories prior 2000. Typically, my ppi was cancelled by me in 1994, and unfortunately I no longer have any proof of this.


Also, I was under the impression that copies of agreements were supposed to be retained with an active account.


A negative experience on this occasion, sorry I couldn't help.

magpiecottage

The rare cases from the 1980s that succeed are where the business responsible for the sale was a member of one of the ombudsman schemes that was a predecessor to FOS when the sale took place.

That would include the Insurance Ombudsman Bureau from 1983 but Next Directory is not an insurance company and therefore would not be included.

It would also include the Banking Ombudsman from 1986 - but Next Directory is not a bank.

The other scheme is the Building Societies Ombudsman from 1987. But again Next Directory is not a building society.

[Deleted User]

Regardless of all that, the main stumbling blocks are that the OP is a bankrupt, has no documentation and isn't even certain if there was any PPI. I doubt there will be any record thirty years on, particularly as the account has been closed for a few years.

sun73

magpiecottage wrote: »

The rare cases from the 1980s that succeed are where the business responsible for the sale was a member of one of the ombudsman schemes that was a predecessor to FOS when the sale took place.

That would include the Insurance Ombudsman Bureau from 1983 but Next Directory is not an insurance company and therefore would not be included.

It would also include the Banking Ombudsman from 1986 - but Next Directory is not a bank.

The other scheme is the Building Societies Ombudsman from 1987. But again Next Directory is not a building society.

Is Next a holding company of HSBC, are they handling Next PPI complaints and what about the underwriter, wouldn't they be a member of an insurance scheme in the 1980's?

robin-hood1

No point going to Next before 2005 - out of jurisdiction. Send your complaint to Phoenix Insurance (now called PA (GI).
Does not matter if you have no docs because Phoenix will request your file from Next.
You can Google Phoenix for their address.
These claims are guaranteed to payout (if PPI was there) because the PPI was added automatically and had to be actively cancelled - instant mis-sale. So you do not even have to provide other complaint reasons.
Spread the word and share the love.
Your welcome!

sun73

robin-hood1 wrote: »

No point going to Next before 2005 - out of jurisdiction. Send your complaint to Phoenix Insurance (now called PA (GI).
Does not matter if you have no docs because Phoenix will request your file from Next.
You can Google Phoenix for their address.
These claims are guaranteed to payout (if PPI was there) because the PPI was added automatically and had to be actively cancelled - instant mis-sale. So you do not even have to provide other complaint reasons.
Spread the word and share the love.
Your welcome!

Do you mean Phoenix Life? I can't find an insurer called PA (GI), thanks