Next 3 Year Interest Free Credit Decline

The_Groat_Counter

OP, precisely nothing will come from you trying to kick up a fuss about this. Accept it and move on!

Yorkiek

Thanks all. I am grumpy but it seems I have no way forward on this. When I said default I meant miss payments etc so end up paying significant interest. Or maybe its just a ruse to get people in the shop when they have no intention of offering credit and decline everyone. I would be genuinely interested if anyone gets accepted for it. 

Brie

You may have a great "credit score" and have never missed a payment and have no CCJs etc but maybe you have too much credit available.  That's why I get turned down.  There's no way on my current income that I could pay even the minimum on all my cards if I maxed them all out.  So no new card deals for me!!!  

retiredbanker1

Going forward I see it as;
1. Purchase using your own saved funds.
2. Go elsewhere and buy a cheaper sofa.
3. If your credit score is so good apply for a credit card offering x months of interest free shopping (won't be 3 years).
4. Forget the complaint you won't win - they have declined you - so what just move on with your life.

DCFC79

Yorkiek said:

Thanks all, I wasnt sure what to expect from the Ombudsman but I am not hopeful now. I now have a hard search on my credit file courtesy of Next and they dont even have the good grace to tell me why I was declined. I have a 999 out of 999 with Experian and when I spoke to them they said they knew no reason why I was declined by Next who use them.
@Nasqueron I do use credit regularly, spend on credit card then pay in full monthly, have a mobile contract, on Electoral Roll, No CCJs, etc, etc 

The 999 means nothing, as for the decline, maybe you dont fit the profile of customer, it wont be next who declined you but the finance company Next use, feel free to continue the tirade against Next.