Fresh Start Debt Support
If you’re struggling with catalogue debt, you’re not alone. Many people in the UK fall behind on payments to companies like Very, Littlewoods, JD Williams, and Studio. These debts can grow quickly due to interest and fees, making them feel impossible to clear.
At Fresh Start Debt Support, we help you stop catalogue debt collectors, freeze interest, and reduce your monthly payments through proven debt solutions like a Debt Management Plan (DMP), IVA, or Debt Relief Order (DRO).
Start My Free Debt CheckCatalogue debt occurs when you purchase items from catalogue companies and fall behind on the repayments. These companies often offer credit accounts, but if you're unable to keep up, the interest can build rapidly — turning small balances into overwhelming debts.
Common catalogue firms include:
Catalogue arrears can affect your credit score and may eventually be passed to debt collection agencies or bailiffs if left unpaid.
If you're receiving constant calls, letters, or doorstep visits from catalogue debt collectors or enforcement agents, it's time to take control. You have legal protections and options to stop this contact.
We help you use the Breathing Space Scheme to legally pause enforcement action and give you time to set up an affordable plan. This can stop:
Our team can quickly assess your situation and advise if you're eligible for Breathing Space or a longer-term plan like a DMP, IVA, or DRO.
Stop the Collectors NowThere are several proven ways to deal with catalogue arrears depending on your income, total debt, and personal circumstances:
Ideal if you have multiple debts but can make small monthly payments. We negotiate with creditors to reduce interest and combine debts into one manageable plan.
If you owe over £6,000 and can afford £80/month or more, an IVA can write off unaffordable debt after 5 years and stop all legal action and interest.
For people on low income or benefits with less than £30,000 of debt. Catalogue debt may be included in a DRO, which can clear all debt after 12 months.
Grants up to 60 days of protection from collectors while you get support — no fees, no harassment, and no interest added during the period.
Compare All SolutionsWe support clients struggling with catalogue debts from all major UK providers. Whether you're dealing with missed payments, CCJs, or threats of legal action, we can help.
These include:
We’ve helped people with £300 in debt and others with over £10,000 in catalogue balances. The key is acting early to protect yourself and your finances.
Check If I Qualify for Catalogue Debt HelpYes — in many cases, catalogue debts can be partially or fully written off through solutions like:
Every case is different. That’s why we assess your situation and give tailored options with no obligation.
See If I Can Write Off Catalogue DebtNo — catalogue debt is civil, not criminal. You can’t be sent to prison for owing money to catalogues.
Yes. Many people on Universal Credit or similar receive help through a DRO or DMP.
Ignoring the debt can lead to defaults, CCJs, bailiff action, or even deductions from wages. But help is available before it gets that far.
If you’re already missing payments, your credit file may already be impacted. Setting up a solution can prevent further damage and help rebuild in time.
Click below to start your free online check. There’s no pressure, no fees, and full confidentiality.
Get My Free Catalogue Debt CheckWhether you're dealing with a few missed payments or are overwhelmed by thousands of pounds in catalogue debt, there’s a solution. With the right support, you can stop interest, protect your home, and reduce your stress immediately.
We help people every day with:
You don’t need to face this alone. Our team is fast, friendly, and confidential. Most people qualify for at least one option — all it takes is a free check.
See If I Qualify