I cannot afford to pay my Next Account Debt?

Many are worrying “they can’t repay Catalogue Debt” and what solutions there are?

Check out our comprehensive article here to learn more about catalogue debts being written off in July 2024.

Have we overspent on a new wardrobe? Dining room table? Beauty product? We all deserve to treat ourselves, but only if we can afford to front the bill!

Unfortunately, this isn’t always the case, and quite often, due to a change in circumstances, some of us can no longer pay our Next Directory Bills.

If you’re struggling to pay your Next bill, and the pestering payment warnings have started to mount up, it’s time to seek advice.

Can I Write Off Unaffordable Debts

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Rest assured, you’re not alone, and several payment solutions are available, many of which promise to cut down your debt completely or provide you with an affordable payment plan.

If you owe money to Next, don’t panic, we’re here to help!

I Can’t Pay My Next Directory Bills – What Should I Do

Try to stay calm. Just remember, there are many people in the same situation, many of whom have already reached out to us. These people are now paying an amount they can afford over a period that suits their needs and lifestyle.

If you have a Next credit card bill to pay, before hiding the letter in the bottom of the bin, selling assets in an attempt to pay it off or worse still, paying more than you owe, talk to a debt adviser.

We’re here to help you create a manageable payment plan which promises to get you out of your Next debt quickly and efficiently.

One way to learn more about the many credit card repayment options available? Take our debt quiz.

Doing so will help us analyse your current incomings and outgoings, providing you with a minimum payment plan that suits you and the debt collector. It will also get any third-party agencies off your back!

There are more credit card debt solutions on the market than you think; you may even be entitled to a deduction of up to 85%. The only way you’re going to know this? Is by taking the debt quiz.

Can I Write Off Unaffordable Debts

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Do Not Pay Your Next Account Until You’ve Received Free Debt Advice

The more you know about debt collectors, the better. Third-party agencies buy debt from lenders such as Next. They often purchase this for a menial cost, sometimes 20% lower than its actual value.

Once this debt is theirs, it is their responsibility to get you to pay. This often includes hounding you with numerous letters, bullying tactics, phone calls, and (in the worst case scenario) house visits.

It’s important to seek advice to make sure you know the ins and outs of what these companies can and can’t do. This will help you to understand what rights you have, as well as the exact amount you have to pay off your card.

You’ll also learn more about catalogue repayments, hire purchase accounts and which payments are classed as priority debts.

Here are all the available debt solutions to you depending on where you are based in the United Kingdom:

Who is Next Account?

A Next card, a product offered by the Next Pay credit card company, comes in the form of a retail credit card.

This credit card can be used to buy various products from next.co.uk, including everything from the latest on-trend styles to gifts, jewellery, furniture, and more.

There are various Next Credit Accounts available, all offering different credit limits. The limit you are entitled to often depends on your existing credit rating.

As with all credit card company accounts, Next Pay allows customers to ‘buy now and pay later’. Shoppers with a good credit rating may be entitled to a Next Pay Credit Card, which can also be used to purchase items in-store.

These purchases will be deducted from your Next Credit card instead of a personal credit card as a monthly payment.

The Next pay Credit Card offers a representative of 24.9% APR.

How to Stop Next Catalogue Debt Collectors From Calling:

Applying for a Next Account is as simple as 1,2,3. It only takes three clicks of the mouse to apply for a Next Credit Card. All of this can be done on the Next website.

Although this seems like a hassle-free way to shop, it’s important to remember that a bill will arrive at the end of each month, and you must be able to pay the sum attached to this monthly statement, just as you would with catalogue repayments.

If you cannot pay the fees in one lump sum, you’ll be hit with high-interest rates and late payment charges. This is when shopping with credit can become extremely expensive.


One of the customer incentives offered to customers signing up to Next includes a discount of £10 when you spend £15 on your first order. Other advantages Next Credit customers are privy to include VIP Sale Slots.

How does the credit limit on a Next Account operate?

Every month, your details are reviewed. This can mean your credit limit goes up or down. Considerations include the customer’s credit score, whether they can pay what they owe in full each month and whether they’re subject to late payment fees.

If you’re someone who can’t pay the minimum payments or has had their credit card frozen due to a succession of late payments, it may be time to ask for help.

The sooner you reach out for advice, the better! The quicker the payments are dealt with, the easier it will be to pay off. The longer you leave it, the more likely it is to spiral out of control, resulting in sleepless nights and a great deal of worry.

How does the Next Account calculate interest rates?

Customers who pay their credit card statement off in full each month won’t be subject to interest charges or late fees. Those wishing to spread payments across several months can opt for one of two interest options:

Option one comes in the form of a daily interest rate, which centres on a 24.9% APR variable. This rate is applied to your credit from the day you receive your order until your next monthly statement.

Option two: This comes in the shape of an interest rate applied every month instead of daily, with interest being applied to outstanding balances. This interest rate, again, is based on an APR variable of 24.9% and is applied from one statement to the next.

If you have been paying more interest than your credit repayment, you will be placed in persistent debt. Read more about persistent debt here!

What can I use my Next Credit Account for?

Those with an account with the Next Credit Card Company can use it for anything on the Next website, including beauty and fragrances, everyday clothing, designer brands and more. Homeware is also available on next.co.uk, as are sale goods and clearance items.

Next Directory operates under Next Retail Ltd – this limited company is authorised and regulated by the Financial Conduct Authority for Consumer Credit.

Complaining About Next Account

If you think the money demanded from you is incorrect, or the collection company is extremely unsympathetic to your current situation, speak to a financial adviser today.

If you are doing your utmost to try and solve your debt problems (whether catalogue repayments or late card payments), yet you’re still being hounded on a constant, sometimes daily basis, you may be within your rights to file a complaint.

You can speak to citizens advice to determine what rights you have and what rights the company in question has.

Your first point of action should be to write to the Next Account payments providers, directing the complaint directly to their customer services team.

You should keep a reference of when the complaint was sent and register proof if sent via mail. The letter should include a detailed version of the accounts, including your customer details, Next account number and address.

You can send any written complaints to the company address below.

Next Retail Ltd

Gedding Road



Alternatively, you can contact the Next Account Credit Card Company customer services team via phone using this number: 0333 777 8000 and selecting option five or via email using the email address: [email protected].

When can you expect a reply from Next Accounts?

The customer service team at Next try to settle all disputes as efficiently as possible and on time. Their website states they aim to resolve all complaints in three working days.

If their contact centre can’t offer a solution to a complaint, it is handed over to the Next Account Complaint Resolution Management Team. You should receive a response from them within five working days.

Suppose the response you have received isn’t satisfactory or you haven’t received any correspondence within eight weeks of placing the complaint.

In that case, you can escalate the case by contacting Citizens Advice or the Financial Ombudsman Service. It’s important to allow the Next Account Card Company the chance to solve the dispute first.

The Financial Ombudsman will refuse to get involved if they’re not allowed to handle your complaint.

To contact the Financial Ombudsman, use the details below:

The Financial Ombudsman Service Exchange Tower


E14 9SR

Phone number: 0800 023 4567


In the worst-case scenario, you may wish to take legal action. Before doing so, speak to a financial adviser. They will determine whether or not the case is worth taking any further.

They will also be able to clarify all other options, including existing government schemes that may be able to assist in writing your credit card arrears off. This is often in the shape of minimum payments much lower than the existing fees.

How to get in touch and Close My Next Directory Account

If you would like to deactivate your Next Directory Account, either to avoid temptation or because you no longer wish to receive any correspondence from the eCommerce store, you can request that it is closed immediately.

Before making this request, it’s important to ensure all purchases have been received or returned. It’s also wise to wait for any outstanding refunds to be debited to your bank before requesting that it is deleted.

How do you pay off Next Catalogue Debts

You can warrant the closing of your account in a few different ways. One includes contacting Next directly and requesting that they remove you from their database.

This can be done via email. Alternatively, you can deactivate this online yourself. This involves the following steps:

  • Open your browser, log into Next and click on the deactivation tab. This tab is located at the bottom right of your page. Once here, click on Settings.
  • Tap the ‘Select Reason’ tab and pick a reason from the drop-down menu.
  • Following this step, you are allowed to add feedback. This can help Next to improving their services and helps them to understand why you are choosing to deactivate your credit card.
  • The final stage requires you to click ‘deactivate’.

Final Thoughts

Those wishing to seek debt advice before speaking to a collection agency should begin by completing our online debt quiz. Doing so will help you learn more about the many repayment solutions available, including those that promise to assist you in paying off your Next arrears.

Reaching out to us shouldn’t be something you are scared to do; we’re here to help, and it’s important to know that there are many people in a similar situation to you.

The more you know about your debt and available options, the better. Being proactive is a must in this situation, especially if you wish to get collectors off your back and make more payments on time.

In addition to providing you with the perfect payment solutions, a debt quiz can specify whether or not you qualify for government help.

This could be in the shape of a new Government Approved Debt Relief Scheme. You may also lower your repayments by a massive 85%, meaning you can pay it off much quicker.

We know it can be easy to ignore a bill. Doing so may be an easy route, but it certainly isn’t the best route. With so much help available, you have little to lose by investing in the advice of a professional adviser, even if only to understand more about the credit card company you are dealing with and the options available, including a multitude of minimum payments and payment deferral solutions.

You are not obligated to take the advice given, and the debt quiz is free and won’t affect your credit rating or data protection rights. What are you waiting for? Speak to an adviser today to learn more about debt trends, alternative monthly payment options, catalogue debts, payment deferral schemes and more! We’re here to offer advice that will help your money worries go away.


What happens if I can't pay a credit card company?

If you have Next credit account or catalogue bills looming yet can’t afford to pay it, you will be issued with late fees. Your interest rate will also rise and your credit score could be tarnished. The longer you continue to avoid repayments, the worse the situation will become and the higher the fees will be.

If you regularly continue to avoid repayments, your credit card is likely to be frozen. This is when your arrears could be auctioned off to a third party collection company. Despite buying this debt for a fraction of the price, the collection company will still charge you full whack, and often an abundance of other additional fees on top.

This is when speaking to a financial adviser is a must. They will be able to tell you what to say to a collection company, including asking them to supply your original statement without the fees they have added on top. If they refuse to supply these details, they could be in breach of certain laws. If so, you may be able to write your payments off entirely.

Used correctly, credit cards can be a godsend, especially for those waiting on a big payment. Taking out a card from credit reference agencies can help them to tide over the months in between. However, if you use them with disregard and fail to pay your credit card balance, they can be an extremely expensive way to lend, often costing you more money in the long run.

This is especially the case if you are subject to late fees and high-interest rates on your credit card balance. It may be too late to consider this now, but going forward, try to only ever take a credit card out if you know you can make the repayments. Use it as a safety net if needs be, just don’t use it as a form of income or a bank!

What help is available when it comes to credit card debts?

Thankfully, there are many options when it comes to paying back credit card fees and catalogue debts. If, like many people across the globe (especially in current climes) you are finding it extremely difficult to repay your standard credit card balance, there are several options available, including investing in the help of a creditor.

To assist debtors finding it difficult to pay credit card bills and to avoid court action, certain creditors may be willing to offer the following:

  • Payment holidays for credit cardholders. These can be actioned for various periods, often a maximum of three months. Many are worried their credit score will be tarnished if they opt for payments holidays. This is not the case.
  • Upping your credit card limit is another way to ensure you pay back less, although this could have a longer-term effect. Only opt for this solution if you know you have money coming in very soon

Before agreeing to any of the above credit card solutions, it’s a good idea to consult in the expertise of your adviser. As their name suggests, they will be able to advise you on the best route, based on your situation. This is when the debt calculator comes in handy!

Why am I being contacted by a third party debt collection agency?

It’s becoming more common for third party collection agencies to contact those who have fallen behind on payments to lenders, such as the Next Credit reference agencies. Third-party debt collection agencies work by enlisting debts from various lenders, for a fraction of the price.

Once they have purchased the debt, it becomes theirs. In a nutshell, this means the lender will no longer contact you and you will instead be hounded by a collection company. Quite often they’ll add additional charges to the original bill, which weren’t there, to begin with. It’s therefore important to request a credit file statement detailing all these charges and the your initial total (before these additional payments were added). You could be being asked to pay a great deal more than you owe.

If you’ve been contacted by a third-party company, it is always a good idea to seek advice. You should do this before responding to the collection team about the requested payments. They will be able to advise you on the company in question and they will also be able to tell you what you can and can’t afford to pay back. How? By utilising the skills of an online debt calculator, you can log your existing repayments and earnings. All in all, they simplify the process, offer great advice and get the third party collection company off your back.

As with all registered businesses, collection companies have to stick to the law. They have every right to contact you, what they can’t do, however, is hound you, make false threats or demand to be let into your home. Knowing where you stand will help you to fight your cause, pay only what you own, and opt for a repayment plan that works for you.

Can bailiffs come for Next Account debt?

Non priority debt, including Next Accounts, fall in the same sphere as catalogue debts, council tax repayments, credit file and loan agreement debts. If you are struggling to pay your Next credit card balance, and haven’t made any payments for a while, your card will be frozen and as mentioned above, Next may pass on your arrears to a third-party collector.

These people will contact you in various ways trying to get you to pay the original debt plus the fees they have added on top. They may also threaten bailiffs. It’s important to know that debt collectors are not the same as bailiffs and therefore don’t have the same powers when it comes to pursuing payments.

If a debt management company tries to enter your home or site, you can call the police. However intimidating their phone calls or letters may be, they must abide by certain rules and regulations.

The only way they can threaten court action or order bailiffs to enter your property is if they are in the possession of a CCJ, and even then, the bailiffs will have to be employed by their company to act on their behalf.

A CCJ is a County Court Jurisdiction, which debt collectors must obtain from a court. They may not always be granted this but if they are, they can request the services of bailiffs. If this happens, you will be given plenty of warning in the form of letters explaining that bailiffs will be visiting your property.

If you’re currently in this situation and you’re struggling with what to do next, call Citizens Advice or a debt adviser today. Setting up a payment solution you can afford is one way to prevent bailiffs from taking your belongings.

Can you be given a jail sentence for failing to pay your credit card debt?

This is something many worry about, especially those who are being threatened by a debt collection company, picking up credit card debt on someone else’s behalf.

It’s important to take a breath and understand that going to prison for an unpaid credit card debt balance is extremely rare. These types of debt are not classed as priority debts or extreme offences, and can often be handled outside of court.

As covered, you may be issued with a CCJ, which means a debt collector can employ bailiffs to enter your house, but again, this is rare. This usually only happens if the debt is 100% legit and you are refusing to pay it in its entirety. It’s important to always try to make the minimum payment on your debts if you can.

Debts that could result in a prison sentence include government debts and criminal arrears. this is only a possibility, and it depends on how much money is involved and what the exact circumstances are. Prison is usually always the last resort.

Credit card arrears and other forms of credit-related debt, including Next repayments, don’t warrant for a prison sentence. If a credit card debt collector threatens you with prison, it’s important to stand your ground and speak to a professional. Making false threats can often result in a valid compliant, which can mean the debt is written off.

Can you discuss different credit card repayment options with creditors and debt collectors?

If you’re failing to make a minimum payment to creditors, such as Next, contact your credit reference agencies in the first instance. it’s important to be completely honest with them from the get-go. A simple explanation of why you’re unable to make repayments and when you expect to be able to do so is all it takes. Suggesting a repayment plan that suits your current budget will often be accepted, as it shows you are willing to repay the debt at hand.

The majority of credit card lenders will agree to an alternative repayment plan or a payment deferral holiday, at least until you can make full repayments again. This usually lasts for 3 months and won’t affect your credit rating, providing you make sure you can make the minimum payment when the 3 months are up.

Speaking to a debt adviser post taking a debt calculator quiz is an easy and efficient way to come up with a debt management payment plan, and one that suits the credit card lender and you. Such a plan will consist of affordable monthly repayments, as opposed to scary figures you’re unable to comprehend. The debt calculator tool will take your income and outgoings into consideration, revealing a total minimum payment based on what you have left after essential expenses.

Certain debt collection agencies will also agree on a final settlement to pay off the debt in its entirety, often at a lesser amount paid within 1 month. Creditors will only accept this if prompt payment is on the cards.

How does a credit card affect my credit score?

Catalogue companies and credit cards will openly talk to credit reference agencies, sharing details on the way certain individuals use their card. This results in an up to date credit rating and assists other lenders when it comes to accepting or rejecting their card request.

Credit file details showcase payment history, balances owed, minimum payment payments, priority debts and payment deferral information. Creditors often provide further information to credit file agencies in the shape of:

  • How much the person has spent in the last 6 months
  • Their existing credit limit
  • How much they spend on average per month
  • How much cash they withdraw from their card each month
  • Debt trends

I may not be able to pay my debts. Can I pay a minimum payment?

Yes, you can! If you’re unable to pay your debt, whether to catalogue companies or creditors, and have requested that you need to make a minimum payment, yet a debt collector is advising you otherwise, speak to us for advice. A debt collector who is aware of your financial situation should be sympathetic towards it and they should offer an alternative payment option.

As we mentioned above, this could be as little as £5 per week. Every little helps and as long as you have agreed to pay something, this is classed as cooperating.

Speaking to a financial debt adviser is a great way to learn more about minimum payments and how to set up alternative payment plans. A debt adviser will often act as the middle man between you and the debt collection people chasing you, suggesting a payment solution that works for both parties and one that allows you to pay less.

Can’t afford to pay debt collectors?

First and foremost, and as we’ve probably mentioned several times, try not to panic! There are numerous debt solutions available, and as long as you seek the right advice, you will be privy to all of them. Just knowing you have options when it comes to paying off any loan, including debt from Next, will ensure peace of mind.

Some of these debt solutions include investing in an Individual Voluntary Agreement (IVA). Such a treaty promises to assist those wishing to pay off various accounts. The way it works is by providing manageable payment amounts, rather than monthly debts that are way too much to handle.

Other options comprise debt charities and government schemes – both opt which you may be entitled to enlist in financial aid from. For more information on this, please call us.

Certain people in debt can also look into lowering their payments, often by an impressive 85%. Online tools like debt calculators can help you to determine these reductions and whether you are entitled to pay less. You can also look into payday lenders offering lower interest rates or payment deferral schemes on catalogue debt, card payments and more.

For more advice on assessing your existing debt and the many payment options and solutions available today, please get in touch with a financial conduct authority who specialises in this area. They will be able to provide you with a more detailed analysis of your options, as well as more about the debt collection companies who are pursuing you.

How can I get out of debt if I can’t pay my bills?

There are many ways to tackle debt! We all know being in debt can feel extremely overwhelming, however, there is advice available. Instead of panicking, speak to a professional. Knowing who to talk to is the key to solving your debt issues quickly and efficiently.

A good debt adviser will be able to offer various debt solutions, including an array of options that may lower your existing debt by up to 85%. You may also be entitled to government schemes or the debt collection business could be going against the law, which means there is a possibility you can write off your debt without having to pay a penny.

If then the debt is legit, there are still ways around it, even if you’re struggling to pay your bills. Instead of shying away from the debt, learn more about it. A debt adviser can speak to a debt collection company on your behalf, telling them to hold off on hounding you by explaining your current financial difficulties. A payment solution can then be initiated, which will include repayments (either on a weekly or monthly basis) that you can afford. These could be as small as £5 per week.

How to Stop Next Account Debt Collectors From Calling:

Debt collectors may use scaremongering tactics to try to get you to pay a bill, such as that of your Next debt. If you’re unable to pay this bill or ignore their letters, this will often result in numerous calls from them at all hours of the day.

Sometimes these calls will be automated and if you do answer, no one will be on the line. If this does happen, jot down the numbers of calls you are receiving per day. If bordering on harassment, you’re fully entitled to make a complaint.

As well as preventing them from calling you again, this may result in a reduction in the debt. For more information on what behaviour warrants a companion, get in touch with citizens advice or speak to a credit card professional for advice today.

If you’re feeling overwhelmed by the number of calls you are receiving from a debt collector, take the time to talk to a debt adviser. An adviser can issue correspondence on your behalf, explaining to the debt collection people why you’re unable to pay. This will often include details of current circumstances affecting your income.

The result? Letters will cease and you can work with an adviser to come up with an alternative payment option, which will likely involve paying minimum payments instead of the full amount per month.

If you have numerous debts in your name, including Next debts and outstanding payments from other payday loans, credit cards or eCommerce companies, try not to panic. Most importantly, try not to ignore these debts. Taking this option won’t make them go away, it will likely make them grow! This is irrespective of whether your money worries surround home shopping catalogues, credit card bills or council tax repayments. Get help and get in touch today.

Talking to a debt adviser will help you to realise there are several debt solutions available, including one that will suit your needs and budget. Choosing an alternative payment route is a much better option than ignoring your debt and hoping it will go away. In certain cases, you may be able to reduce the amount owed or opt for an interest-free payment solution, which will allow you to make the minimum monthly payment over the next 6 months.

Complete our handy debt quiz to get help today. When you get in touch, you will discover the many repayment schemes in place, including IVA options, minimum payment plans, priority debt and direct debit repayments. Our industry experts will also provide more information on how to up your credit score after debt. No debt question is too big or small. Call us now for free advice!

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Struggling With Other Debts

Here are some other debt guides if you are struggling with different types of debts: