Can anyone explain this to me (next credit account)

[fuckfuckfuckitall]

I’m totally confused .

Was on a payment plan with next to pay £15 PCM for 6 months . Completed that and they said any future order was to be paid in cash which would go to pay off the account .

I ordered stuff to the value of x, in cash . Paid x .

They added x to the statement showing a reduction in the balance - and are now saying I have to pay x again - plus interest. So they’ve taken the money but then cancelled it out by charging me again . Effectively I’ve paid them x for no reason .

That makes no sense to me at all - doesn’t benefit me at all although it clearly benefits Next as they’re getting a double payment surely ?

If anyone can explain this I’d be hugely grateful as I’m baffled and a bit annoyed , I was under the impression if I ordered something I’d only pay for the order but in cash which would be used to pay off my balance . I’m now in a worse position than before .

Did your payment plan clear off your entire debt with Next or did you owe them more than £90 originally?

It depends. Was your account 100% clear or just up to date?
They're two different things.
I work in credit control so may be can explain if I can picture your account.
If your account was clear when you made the purchase/payment then your balance should be 0.

If you're only up to date then it would be a little different. Depending on your terms or minimum payments etc. Your account might be say as below:
Before purchase
May: 50
June: 100
July: 0
After purchase and payment of 50:
May: 0 - see here is where your payment has applied
June: 100
July: 50 - here is your new spend.

Ask them to confirm what order/invoice they have applied your payment to.

If you have anything on your account older than your latest purchase, any payments will clear the older debt.

No, only up to date - it’s at £300 unfortunately . I think I’ve worked it out that effectively after paying that money , the balance hasn’t changed at all - I think ? I wish I’d never got it on the first place now but that’s by the by .

They just don't want you to make your debt any higher. Sounds fair enough to me.

It probably is to be honest and I’ve just gotten muddled up with figures !

Those Next accounts are the work of the devil. I've just cleared mine and never again!

Could you get an overdraft to clear it off. It would probably work out cheaper.