Next directory

good-samaritan

You are most welcome sun73. Remember what Nasqueron told you.

"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."

So if you had followed this advice you would not have made any complaint and lost out on your redress - which as I advised previously is guaranteed (if you did have PPI) because Next auto added PPI and the customer had to actively cancel it - instant mis-sale.

Also, the rate of statutory interest before 1st April 1993 is 15% pa instead of 8% pa - so these claims can produce very tasty amounts of redress.

I wish you well with your claim and hope that PPI was indeed present. PPI is not one size fits all - complex claims need knowledge.

Thank you for believing!!

Nasqueron

good-samaritan wrote: »

OMG - Now this is getting really crazy - if I edit a post it leaves an audit trail message below the post - see my post above at 3.01PM how it says "Last edited by". If my post does not have this message then I did not edit it unless I have found a way to secretly hack the site? So to call me a liar when your own site proves I did not do what you are accusing me of is quite amazing.

Do you actually realise how paranoid this sounds - "You clearly have an agenda. I don't know what it is. But it is all a bit suspicious."

This is not international espionage and I am not James Bond - it's just a PPI chat room. You guys are either deluded with your own self-importance or just annoyed that anybody else can possibly have anything useful to say - you must find it very threatening to behave like this. I feel like a pack of wolves is circling me - all I did was make a useful comment!

Actually if you edit a message quickly, you don't get the tag

Nasqueron

sun73 wrote: »

If I am a sockpuppet, I'll take it as a compliment, sounds quite soft and cuddly. Rather that than an old cynic.


However, more to the point, Robin Hood/Good Samaritan is correct about the position of Next Directory PPI complaints being handled by Phoenix.

I was posting about the person who has several identities quickly created including one (Robin-Hood1) who has offered to deal with PPI complaints for people on the forum as per the message I quoted

A sockpuppet is where someone creates a second (or multiple) accounts to try and add "weight" to their argument by supporting their main character.

Robin-Hood1/Good-Samaritan have been very clumsy as they forget which account posted which message so reply to comments directed at one account with the other as if it was the first account - I don't see why they need to bother, just have one account and be done with it but it's clear enough and Robin-Hood1 seems to be touting for business through the forum

[Deleted User]

Alternatively, one poster is simply yanking everyone's chain. As I said at the outset of all this "do not feed".

amstel2

Hello

Here's an update. Ive heard back from Next who confirm i never had PPI on my directrory a/c. As for the loan they have advised me to contact Barclays Partner Finance who arranged Next loans they have supplied me with a contact number.

However, i can't get past the automated phone menu without an a/c number which i don't have. I have managed to find their website with an e-mail address so i am going to try that.

In the meantine should i contact Next again to see if they have an a/c number for the loan.

Thanks

sun73

No harm in asking Next if they have the loan account number. Did they say you cancelled the PPI that was auto added to the directory account when you first opened it? Customers could cancel and receive a refund if done within three months.

amstel2

sun73 wrote: »

No harm in asking Next if they have the loan account number. Did they say you cancelled the PPI that was auto added to the directory account when you first opened it? Customers could cancel and receive a refund if done within three months.

Looked at the Next response again & noticed the e-mail is addressed to somebody else so have contacted them again for clarification.

I have also asked if they can supply my loan details.

Anna-Louise

amstel2 wrote: »

Hello

Here's an update. Ive heard back from Next who confirm i never had PPI on my directrory a/c. As for the loan they have advised me to contact Barclays Partner Finance who arranged Next loans they have supplied me with a contact number.

However, i can't get past the automated phone menu without an a/c number which i don't have. I have managed to find their website with an e-mail address so i am going to try that.

In the meantine should i contact Next again to see if they have an a/c number for the loan.

Thanks

Hi Amstel, who did you contact please? I know that I had the account PPI, no idea where to start though as I can't find any details on their website.

amstel2

Anna-Louise wrote: »

Hi Amstel, who did you contact please? I know that I had the account PPI, no idea where to start though as I can't find any details on their website.

I just Googled Barclays Partner Finance & their website comes up & their is a contact form on their to fill in. I have completed it as best i can & sent it off. Will post how i get on.

[Deleted User]

amstel2 wrote: »

I just Googled Barclays Partner Finance & their website comes up & their is a contact form on their to fill in. I have completed it as best i can & sent it off. Will post how i get on.

Unfortunately, whatever the result of all your enquiries, you will never be able to personally benefit from ANY complaint about PPI, Amstel2.

Any redress awarded to Bankrupts is treated as a pre-bankruptcy asset and will be sent to the Official Receiver for redistribution to your former creditors.

It doesn't matter how long ago your bankruptcy was either. The rules are strictly adhered to forever.

I would have told you this far earlier in the thread, but you neglected to say you were bankrupt and I only saw that you were when I read a post by you on another topic

It's explained in far more detail here
https://forums.moneysavingexpert.com/discussion/3766585