Next, pay in 3, much higher than statement amount owed.

[3daintit]

I had to outfit 2 men for a funeral and didn't know their sizes so i ordered multiple jackets, shirts, trousers etc

I used my new next account as I am on a low budget.

I returned all the things that didn't fit/were surplus. But apparently if things are returned after the statement is generated you still have to pay the higher take 3 amount and it will be deducted off the next 2 payments.

My account balance is £200 but my take 3 payment is £180!!

I don't have £180 and I don't want to get charged interest either.

Has anyone experienced this?

I’ve never used it personally, but this sounds correct. At the point the statement was generated, you owed a total of £540 for all the clothes you’d ordered i.e. £180 x3. You subsequently returned £340 worth of the clothes leaving a balance of £200, however that first £180 is already now due so Next still expect you to pay it. They’ll then presumably reduce the remaining 2 payments to £10 each plus whatever minimal interest is accrued. You can try speaking to Next but I don’t imagine they’re likely to shift on this, it would be an impossible system for them to manage if they allowed people to keep chopping and changing their payment amounts to allow for returns at different points in the statement cycle.

I have never had an account before so didn't know.

If I pay that I won't have any money left for 2 weeks!

Feeling very stupid :(

Why didn't you ask for their sizes before you ordered the clothes? Seems like an odd thing to do... Also if you're on a low budget would probably recommend a charity shop rather than buying brand new!

You never bought something in a couple of sizes to try on? When I bought suits for my DCs for a funeral I had about 10 suits in the house at one point.

OP - sorry you’re going through this at a difficult time for you. I haven’t used the Next thing, but it is exactly the same way credit cards work and I have been caught out with dates before. It’s worth a phone call to see if they could do something about it if you explain the circumstances. They may waive the interest. Finance companies have to be more responsible lenders.

Aren't the men who wore the clothes paying for them?

It's interest free if that helps reassure you but the way they've calculated is correct as per @Justcallmedaffodil post.

I say men but theyre teenage boys, in education. And never wore a suit before hence is not knowing what sizes to buy.

I got them in the clearance section.

Also I just suffered a bereavement, I didn't want to go searching charity shops and they will use the suits again for interviews etc

It’s worth calling the Next people and discussing with them. Definitely worth it!