Avoid Avoid Avoid!!! I had a disappointing experience with NEXT, particularly with their "Pay in 3" option. It seems that the company preys on the fact that you can't set up a direct debit upon application, which leads to missed payments and subsequently being pushed into a higher interest rate. It's frustrating that they have the capability to communicate via text or email about missed payments but choose not to show any understanding or compassion in their approach. The customer service staff I encountered sounded robotic and unhelpful. There was no record of our conversations, which made it difficult to address my concerns. Their tone was patronising and arrogant, making the whole experience even more frustrating. Additionally, I found their furniture to be overpriced and of poor quality—more like cardboard than anything durable. I would strongly advise others to steer clear of NEXT. There are much better options out there that value their customers. Total scammers and completely incompetence!