Next account - how does it work?

mrochester

mrochester

mrochester

Soldato
Joined
29 Sep 2003
Posts
5,834
Location
Newcastle upon Tyne
Hi all

I'm a bit confused about this one. Just taken something back to Next and was given a voucher for £10 off my first order bought on their website. I found some other trousers I liked the look of in the shop, and thought I would buy them online to benefit from this money off.

As usual, you have to create an account on the Next website to be able to purchase something, and this account creation process asked for the usual details you would expect. However, upon completion of the account creation, I discover that I appear to have opened some sort of credit account as I apparently have £600 to spend, and the pair of trousers I ordered are being sent to me for delivery on Monday with absolutely no payment details provided by me (I apparently only pay for them when I decide I want to keep them!).

My question is, how on earth have Next been able to determine that I am eligable for this credit, and how on earth do Next ever expect to receive payment for the items they are sending to me since they have taken precisely zero payment details from me?

I'm just really confused; either Next are very trusting, or there is some horrible catch to it all! Does anyone have any ideas?

Ta

M.
 
There's no catch - though they surely took your address details?

They'll invoice you in about a month's time. It is a credit account - I thought it was strange too but I've not had any problems, had an account with them about a year now.

Just watch out because they'll keep sending you Next Directory 3 times a year which costs £3.75 so make sure you pay for it if you keep your account.
I've not ordered much from them, only about 4-5 things but always paid for them at the end of the month anyway.
 
You open an account with them and they'll let you spend up to whatever limit they give you. They then bill you every month in the same way a credit card company will so you need to pay a minimum off or however much you want to in the same way.

They will send you catalogues in the post that cost £3-4 every 6months or so, so you need to pay them off for that as well.
 
vicisthebest said:
There's no catch - though they surely took your address details?

They'll invoice you in about a month's time. It is a credit account - I thought it was strange too but I've not had any problems, had an account with them about a year now.

Just watch out because they'll keep sending you Next Directory 3 times a year which costs £3.75 so make sure you pay for it if you keep your account.
I've not ordered much from them, only about 4-5 things but always paid for them at the end of the month anyway.
Click to expand...

Well I ticked a box that said I didn't want to receive the Next directory when I signed up. I assume that means I will never receive one.
 
Jokester said:
You open an account with them and they'll let you spend up to whatever limit they give you. They then bill you every month in the same way a credit card company will so you need to pay a minimum off or however much you want to in the same way.

They will send you catalogues in the post that cost £3-4 every 6months or so, so you need to pay them off for that as well.
Click to expand...

I don't understand how it can be a credit account when no credit check was made?
 
Next Registration Form said:
I understand that a credit account will be opened for me, subject to status. For information on the Directory Account, including how we use your information, please view the Next Terms and Conditions

By clicking on the complete button below you are agreeing to a credit search being carried out. You will have the option to pay using a credit or debit card once you have completed your order.
Click to expand...
 
mrochester said:
Hi all

I'm a bit confused about this one. Just taken something back to Next and was given a voucher for £10 off my first order bought on their website. I found some other trousers I liked the look of in the shop, and thought I would buy them online to benefit from this money off.

As usual, you have to create an account on the Next website to be able to purchase something, and this account creation process asked for the usual details you would expect. However, upon completion of the account creation, I discover that I appear to have opened some sort of credit account as I apparently have £600 to spend, and the pair of trousers I ordered are being sent to me for delivery on Monday with absolutely no payment details provided by me (I apparently only pay for them when I decide I want to keep them!).

My question is, how on earth have Next been able to determine that I am eligable for this credit, and how on earth do Next ever expect to receive payment for the items they are sending to me since they have taken precisely zero payment details from me?

I'm just really confused; either Next are very trusting, or there is some horrible catch to it all! Does anyone have any ideas?

Ta

M.
Click to expand...



There is no catch, they will bill you for the items and you pay either the minimum or the total (anything in between), they have run a credit check with the details you have obviously given them (name, address) and that is about it.

There are various ways to pay, including setting up a DD or simply using your Debit Card. My wife used it a lot as it is convenient and you can return things to the store as well as by post. As far as accounts go, it is one of the better ones.
 
Castiel said:
There is no catch, they will bill you for the items and you pay either the minimum or the total (anything in between), they have run a credit check with the details you have obviously given them (name, address) and that is about it.

There are various ways to pay, including setting up a DD or simply using your Debit Card. My wife used it a lot as it is convenient and you can return things to the store as well as by post. As far as accounts go, it is one of the better ones.
Click to expand...

I see. I was under the impression that you need to provide some sort of banking or payment details to do a credit check (certainly every other form of credit I have ever applied for has required this). Since Next didn't ask for any of these, I assumed that no credit check had been done and that they were trustingly giving me £600 to spend with no comeback should I choose not to pay the bill.

Why can't you just buy something from their site and pay for it like you would anything else?
 
mrochester said:
I see. I was under the impression that you need to provide some sort of banking or payment details to do a credit check (certainly every other form of credit I have ever applied for has required this). Since Next didn't ask for any of these, I assumed that no credit check had been done and that they were trustingly giving me £600 to spend with no comeback should I choose not to pay the bill.

Why can't you just buy something from their site and pay for it like you would anything else?
Click to expand...

NEXT are essentially a catalogue/high-street fashion house. You can pay for the items as you purchase them iirc or add them to your account.

And no, you do not need bank details or payment details for a credit check. Name and current address are fine as long as you have a credit history.
 
mrochester said:
I see. I was under the impression that you need to provide some sort of banking or payment details to do a credit check (certainly every other form of credit I have ever applied for has required this). Since Next didn't ask for any of these, I assumed that no credit check had been done and that they were trustingly giving me £600 to spend with no comeback should I choose not to pay the bill.

Why can't you just buy something from their site and pay for it like you would anything else?
Click to expand...

You can. You can choose to just pay for your items immediately.
 
vicisthebest said:
You can. You can choose to just pay for your items immediately.
Click to expand...

Well I didn't see that option! Before I knew it it was telling me my items would arrive on Monday and that there'd be no need to pay until I had tried them.

I assume that like most other credit accounts, if you pay the balance on the account before a certain date, there's no interest charged?
 
mrochester said:
Well I didn't see that option! Before I knew it it was telling me my items would arrive on Monday and that there'd be no need to pay until I had tried them.

I assume that like most other credit accounts, if you pay the balance on the account before a certain date, there's no interest charged?
Click to expand...

Yeah that's right.

Now that you've signed up, I don't think you'll have that option any more. When you're a new customer you can choose to just pay straight away. Used to be able to anyway.
 
vicisthebest said:
Yeah that's right.

Now that you've signed up, I don't think you'll have that option any more. When you're a new customer you can choose to just pay straight away. Used to be able to anyway.
Click to expand...

I also can't see any preference on the My Account screen to in relation to receiving (or not receiving) the Next catalogue. Can I assume that by ticking to not receive the catalogue this time (and get free delivery) that I won't ever receive the catalogue? I don't want to unexpectedly receive and be charged for a catalogue I do not want.
 
mrochester said:
I also can't see any preference on the My Account screen to in relation to receiving (or not receiving) the Next catalogue. Can I assume that by ticking to not receive the catalogue this time (and get free delivery) that I won't ever receive the catalogue? I don't want to unexpectedly receive and be charged for a catalogue I do not want.
Click to expand...

I don't know, because I chose to get it. I presume you'll never get it.
 
You must log in or register to reply here.
Back
Top Bottom