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Creditors cant pay next directory bills

Published on December 21st, 2015 | by FinanceLoophole


Can’t Pay My Next Directory Bills

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It’s not unusual for people to come to us saying “I can’t pay my Next Directory bills” – they have problems paying Next catalogue debt especially around Christmas time. The main thing to do is don’t despair – we have got some top tips and advice that will help you get out of debt on your Next account as quickly as possible.

Many of the people who have dealt with us have had a problem with their Next Directory payments because of significant changes in their personal circumstances that have affected their cashflow. This significant change in their personal finances has made it difficult or impossible to pay back their Next catalogue bills over the agreed time. Normally the first someone realises they have a repayment problem is when the direct debit they have set up is declined by their bank.

If you are looking for a quick fix to your debt problems you may want to look somewhere else, as we cannot offer any quick fix guarantees. If you do find any quick fixes please let us know, but be warned – if you do find somewhere that is offering these guarantees you may want to think if you can trust them as there is no quick fix for Next Directory/Catalogue debts as far as we are aware.

If you are having problems because you cannot pay your Next Directory payments you can get help from a number of companies who will manage your debt problems for you. It can be very difficult to work out which one of these companies is any good and wont rip you off. We have however had good feedback from people who have used the Bright Debt Solutions site – to get help with your Next Catalogue debt you can just fill in this form with your details and they will get back to you if they can help you you’re your Next debts.

What Can I do if I Can’t Pay My Next Directory Bills?

It can be a problem to dig yourself out of debt when you have been unable to pay your Next Catalogue debts.

Another option that may help you write off your Next bills if you are really struggling is a Debt Relief Order (DRO). DROs are only able to be used on “qualifying debts”. The qualifying debts from the DRO will be written off in 12 months after your DRO has been approved. You can use a DRO for

  • Outstanding rent, gas, electric, telephone and council tax
  • Credit cards, payday loans, overdrafts, catalogues or store cards
  • Benefit overpayments (not if due to fraud)
  • Hire purchase or conditional sale agreements
  • Items bought on finance, including buy-now-pay-later agreement
  • Loans from friends or family

Next Catalogue Debt Management Plan (DMP)

If you are really struggling to take control of your debts to Next and maybe other companies a DMP can help you out of a sticky position. A DMP offers an informal arrangement between you and your creditors to arrange for you to make reduced payments to your unsecured debts such as Next Directory. With a solid DMP in place the people you owe money to are much more likely to accept you reducing your repayments, particularly if it is made through a trusted debt management company such as Bright Debt Solutions. This is more than likely to be the most suitable way forward for most people with debts with Next catalogue.

What Are The Advantages Of A DMP?

  • You make one affordable payment each month which is sent to your creditors.
  • You have help and support throughout your DMP.
  • All contact with your creditors goes via your debt management company

What Happens If You Can’t Pay Your Next Directory Bills?

If your payment to Next Catalogue is late – this could result in a late payment fee from Next and probably also from your bank if it takes you over your agreed overdraft limit. If you are more than 2 months overdue you will incur a late payment fee from Next. See the payments and default section below for more information about charges imposed for late payments.

One of the main things to know is that you will not be risking your house if you don’t pay your Next Directory bill.

More Details About Next Directory

Next Directory is a trading name of Next Retail Limited. They are part of the Next Group Plc.

Registered office

Desford Road
LE19 4AT

Tel: 0333 777 8000

Registered number 4521150 (England and Wales)

You can contact Next on this address or by email through the help section at or call us on. Note that all telephone calls to and from Next Directory will be recorded or monitored.

Other Next Group Companies:

  • Next Retail Limited
  • Lipsy Limited.

Making A Complaint About How Next Have Treated You

Next Retail Limited is authorised and regulated by the Financial Conduct Authority (FCA) for their consumer credit facilities. If you think “I can’t Pay My Next Directory Bills” because of something Next have done you may have cause to make a complaint about the way you think you have been treated by Next. you should contact Next with your complaint in the first instance (in writing preferably). This allows them the opportunity to put the matter you are complaining about right for you.

Make A Complaint To Next

Next Customer Services
PO Box 4000
S97 3ET

Tel: 0333 777 8000#


All of the firms regulated by the FCA are required to respond to your complaints in writing within eight weeks. In their response Next must inform you whether or not your complaint has been upheld or why they need more time to look into it.

Regulated firms like Next are also required to respond in writing to you to let you know they have received your complaint. So make sure you have a final response or it has been eight weeks since you sent Next your complaint before you contact the Financial Ombudsman Service (FOS) with your complaint about Next Directory.

There are a number of companies that can help you with your Next consumer credit issues if you are having problems paying your bills. They will deal directly with the company for you so you don’t have to. Not all of the companies who can help you with your credit issues are the same quality however. We have had good feedback from people who have used DebtPlus – to get help from them you can just fill in this form with your details and they will get back to you and they will see if they can help you out.

Next Payment And Default Charges

You must pay at least the minimum monthly payment shown on your Next Directory account statement.

When your account gets into arrears for two months Next are likely to apply a charge of £7.50 to your account to cover “administration costs”. They call this a late payment fee. Next won’t apply this charge again to your account while your account remains in arrears. However if you manage to bring your account back up to date they are likely to apply a further charge of £7.50 if your account goes two months in arrears again. Your account will be in arrears if you do not make a payment, which is due in full. In addition to the late payment fee they may also charge you £5.50 for each payment that is returned unpaid.

What Personal Information Does Next Hold About Me?

You have the right to get access to your personal records held by requesting this information from:

Next Data Protection Manager
Next Directory
Desford Road

LE19 4AT

or email them at

Other Next Products And Brands You May Have Problems Paying

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The most famous product from Next is their Directory catalogue shops service. However they also have an extensive range of other brands you may be experiencing issues paying for:

  • Art2Order
  • Next Experiences
  • Next ePin Vouchers
  • Next Garden Plants
  • Next Home and Garden
  • Beaverbrooks
  • Next To No Time
  • Hammonds Furniture With Next

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