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How to close the uncloseable account?

PaulM
by PaulM 17 March 2010  |  Comments 3 comments  |  Love Love  0 loves

A bit of backstory: In August I opened a Next Directory account as I wanted a suit for my brother's wedding from their website and opening an account with them was the only way to buy it online. The bad APR didn't faze me as in the end I paid it off immediately. Unfortunately our lease was unexpectedly terminated so I moved in September, and when I tried to use the account for the suit they told me I had to open a new one at my new address as I hadn't bought anything whilst at the old address.

Six months on they won't close the first account. I've asked three times in the last three months, twice via their email system and once over the phone and it just. won't. die. They assure me each time that they've just gone and closed it but it's still showing up as active on my credit record and I can still login to it. I'm worried as whoever's moved into my old address could abuse it, and I told them last time that if it's still open in a week then I'll write to their chairman. And since it's still open and I'll be writing letters (sent by recorded post) this evening who else can I contact about this? Would they be regulated by anybody for offering credit?

Thanks :)

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Comments (3)

  • PaulM
    Love rating 16
    PaulM posted

    Hey, I forgot I was wearing the suit in my avatar :) It's a nice suit. Not sure it's worth the trouble it's caused though...

    Posted on 17 March 2010 | Love Love  0 loves Report
  • manzanilla
    Love rating 410
    manzanilla posted

    Write in with the words COMPLAINT in large black capitals at the top. Detail the dates when you have asked for the account to be closed and the fact that you can still log on to it, so it hasn't been closed.

    That should sort it.

    manzanilla

    Posted on 17 March 2010 | Love Love  0 loves Report
  • Swarbs
    Love rating 272
    Swarbs posted

    Call them and write to them and tell them if the account isn't closed within one week (state the specific date you want it closed by) you will complain to the Financial Ombudsman Service and the Information Commisioner's Office.

    The complaint to the FOS will be that they are not operating the account in accordance with the T&Cs, which allow you to close the account over the phone or via e-mail

    http://help.next.co.uk/Section.aspx?ItemId=10433

    The complaint to the ICO will be that they are in violation of the DPA by:

    a) Not ensuring your personal information is up to date (keeping an account open for you at an address where you no longer live)

    b) Keeping your personal information for longer than is necessary (i.e. after you have asked them to close your account)

    http://www.ico.gov.uk/what_we_cover/data_protection/the_basics.aspx

    That ought to sort them out if nothing else will.

    Posted on 18 March 2010 | Love Love  0 loves Report

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