Next - Did they search my report? 26 November 2019 at 10:25PM edited 30 November -1 at 1:00AM in Credit File & Ratings 8 replies 600 views

Susan.B

Hello everyone,



I have been doing some shopping (or trying too!) With next tonight. I added some stuff in my basket, worth £50. I clicked on checkout, got asked to sign up for an account (which annoyed me, usually most shopping sites allow you to checkout as guest). I went through the fairly simple questionaire to set up an account, to be told that I was declined for credit, but I could still progress with my order my phoning a phone number.


My next question is, does anybody know if this will appear as a search on my credit file? I DID NOT want credit, I do not want credit, I want to pay for the jacket and jumper I would like to order!


How is this legal for them to do a search on my credit file without my permission? I'm currently trying to save for a mortgage and improve my credit rating as much as possible, so I do not want any searches. Thanks.

hieveryone

Yes they searched it. There would have been declarations on the page and most likely you ticked a box to agree.

BoGoF

You must have selected the 'next pay' credit option.

You could have paid there and then by debit card.......your mistake.

Ben8282

I looked at the Next website and I have to say in defence of the OP that I could not immediately find a way to pay by card. Even choosing express check out required a lot of personal information including date of birth and as I was not prepared to give this information I could not progress to see what payment options other than opening an account would be available to me.

BoGoF

Ben8282 wrote: »

I looked at the Next website and I have to say in defence of the OP that I could not immediately find a way to pay by card. Even choosing express check out required a lot of personal information including date of birth and as I was not prepared to give this information I could not progress to see what payment options other than opening an account would be available to me.

You still need to register to pay by card but are not applying for credit by registering. I just did it with dummy details and the payment options are very clear.

Ben8282

BoGoF wrote: »

You still need to register to pay by card but are not applying for credit by registering. I just did it with dummy details and the payment options are very clear.

I accept what you are saying but would not personaly choose to give out all this information to make a card purchase from a shop. If I went into a Next store and was asked to provide for example my date of birth at the till I would refuse, same as I do in Halfords when they keep trying to get my e-mail address out of me so they can send the credit card receipt for my small purchase electronically instead of handing it to me there and then.

BoGoF

Ben8282 wrote: »

I accept what you are saying but would not personaly choose to give out all this information to make a card purchase from a shop. If I went into a Next store and was asked to provide for example my date of birth at the till I would refuse, same as I do in Halfords when they keep tryin to get my e-mail address out of me so they can send the credit card receipt electronically instead of handing it to me there and then.

Don't see the relevance to OP's issue. They were obviously happy to supply the registration info and their argument is that they werr forced into the credit option......which is not accurate.

jefaz07

I too did this and didn’t realise this summer.
I went through and it said I had opened an account and got £10 off my shoes with it being my first credit order... so wasn’t too bad a mistake. I paid them off straight away so saved £10
Still have the account as it goes ��!♂️

Ben8282

BoGoF wrote: »

. They were obviously happy to supply the registration info and their argument is that they werr forced into the credit option......which is not accurate.

From what you have said, agreed.