Next Debt Passed to Collectors

**Amy**

When i checked my credit file i had an unpaid debt to Next for £96.

I didnt even realise i had any money owing on my account, and as such had missed payments on it (9 to be precise! :eek: ) (i bet it was for the £3 catalogue or something!) Anyway, i rang them up and its been passed to a debt collection agency.

I got the number for them from Next, called them and they didnt have a record of the debt (i didnt have my customer number with me at the time), and told me to call back with the customer number.

I bought my number with me today, and im gonig to call up. Do you think that they will offer me a "discounted" amount if i clear today. I know £96 is not a lot but i could really do with it being lower? If i say i cant afford the whole amount today, would they offer me a lower amount? If they do, should i wait for it in writing before paying it?

Sorry for all the questions.

Thanks

Amy

x

stapeley

hi, yes they should agree to a lower amount , but you must get it in writing ! The usaully advice is never phone a DCA but in this case it best to try and clear it up quickly .If you ask for them to send you a breackdown of charges , but do not offer any payment yet . As all this amount is made up of charges I am sure you can get figure right down.

**Amy**

Thanks.

I will phone them up later and request a breakdown.

bank_of_slate

Hi Amy, has your Next account now been closed? make sure it has.
...Linda xx

**Amy**

bank_of_slate wrote: »

Hi Amy, has your Next account now been closed? make sure it has.
...Linda xx

Oooo i dont know... i will phone next. I thin it said it had on my credit file.

Will double check.

Thanks Linda.

x