Next Card Debt Help & Advice
Finding it hard to keep up with your Next card balance? We’re here to help. Get clear, practical advice on how to deal with missed payments, interest charges or collection letters and explore your options for moving forward.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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Get information today on your available options
Struggling To Keep Up With Your Next Store Card Debt? We Can Help
Next store cards are designed to make shopping feel easier, but rising interest and missed payments can make balances harder to manage over time. What starts off manageable can quickly become a source of stress.
If you’re worried about growing repayments or have already missed a few, you’re not alone. At PennyPlam, our team of trained advisors will listen to your situation. We’ll help you understand your options, explain your rights, and guide you towards a plan that puts you back in control.
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What If You Can’t Pay Your Next Store Card?
Missed payments on your Next store card can lead to late fees, extra interest and account restrictions. If the balance keeps growing, the debt may be passed to a collection agency — and that can add more pressure and harm your credit score.
It won’t lead to bailiffs or court straight away, but the longer it’s left, the harder it can be to deal with. Acting early gives you more options and more control.
Next may be able to offer a payment plan if you contact them directly. If you’re also juggling other debts or need clearer guidance, we can talk you through what to expect and help you plan a way forward.
We Help With Most Debts - Not Just Next Cards!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
UNSECURED DEBTS
Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
Managing Next Store Card Debt
If you’re behind on your Next card payments, the first step could be speaking to Next directly. They may agree to a more manageable payment plan or pause interest to help stop the balance from growing further.
But if the debt’s already mounting, or you’ve got other payments weighing you down, a bigger-picture solution could be a better fit. That might mean a Debt Management Plan (DMP) to group everything into one monthly payment, or an IVA or DRO if you need deeper financial relief.
Whatever your situation, we’ll help you understand the pros and cons and guide you through the next steps with support that’s honest, calm and clear.
How Could A Next Card Debt Repayment Plan Work
Understanding the options available to deal with your Next store card debt is the first step toward taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates your debts into one affordable plan, with some Next store card debts potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Next Card Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
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Get Help With Next Store Card Debt Today
Worried about falling behind on your Next card? You don’t have to figure it out alone. Whether it’s a growing balance or contact from collectors, we’re here to help you take control and move things in the right direction.
We’ll talk you through your options, explain anything that’s unclear, and support you in finding a realistic, manageable way forward. It’s your pace, your plan, with no pressure and no judgment.
Take that first step toward feeling more in control and get in touch today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
Can Next Card Debt Be Included In An IVA Or DMP?
Because Next store card debt is unsecured, it’s usually eligible to be included in a Debt Management Plan (DMP) or Individual Voluntary Arrangement (IVA).
These solutions can help you take back control by rolling multiple debts into one monthly payment that feels more manageable. We’ll help you figure out what fits your situation and walk you through the next steps if it’s right for you.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Next Card Debt FAQs
In some cases, Next store card debt can be written off through a formal debt solution like a Debt Relief Order (DRO) or an IVA, depending on your financial situation. We can help you understand what applies to you.
Court action isn’t usually the first step, but if the debt is left unpaid long term, it could escalate. Acting early can help you avoid this and find a way to manage things before it gets that far.
Yes. If you’re struggling, you can contact Next directly to ask about a repayment plan. They may offer reduced payments or a short-term freeze while you get back on track.
Yes. Missed or late payments on your Next store card can be reported to credit reference agencies and may lower your credit score over time.
You can. Next card debt is unsecured, so it can usually be included in both Debt Management Plans and IVAs alongside other eligible debts.
Stay calm and don’t ignore it. We can help you understand your rights, deal with the collector properly, and explore your options to get the debt sorted.
