Freeze Catalogue Interest, Stop Pressure & Make One Affordable Payment

Catalogue and BNPL debts (e.g., Klarna, Very, Littlewoods) build quickly when promos end and fees stack up. We start with Breathing Space to pause interest, charges and most enforcement while we set up the right plan for you — DMP, IVA or DRO. Everything is explained in plain English, with zero judgment.

Quick Access

What Counts as Catalogue & BNPL Debt (and Why It Rises Fast)

Common accounts we see

Very, Littlewoods, JD Williams, Studio, Freemans, Isme, Klarna, Clearpay, PayPal Pay-in-3/4 and similar accounts are all routinely included in affordable plans.

Why balances jump

• Intro offers end → interest & fees kick in
• Multiple small orders hide the real monthly cost
• Missed instalments add late fees and can trigger collections

Good news: you can pause pressure and bring everything into one manageable monthly payment.

Stop Catalogue Debt Collectors — Calm the Contact Quickly

If you’re hearing from Lowell, Capquest, Wescot, Moorcroft, PRA Group or law firms

That’s stressful — but you have options. Once protections apply (Breathing Space or a formal plan), most new enforcement is paused and contact reduces. We’ll handle creditor letters in writing so there’s no confusion.

Need background? Read Stop Debt Collectors and What is debt collection?

Catalogue & BNPL Affordability Tool — Find a Safe, Defendable Payment

Enter honest figures to see what’s safely affordable for unsecured debts. We’ll then verify your budget against bank statements and set up the right route — with Breathing Space first where suitable.

Tip: If essentials already exceed income, we’ll prioritise stabilising your budget and discuss DRO or short-term token payments while protections apply.

Breathing Space — Pause Interest, Charges & Most Enforcement

Why we start here

• Reduces immediate pressure so you can protect priority bills first
• Gives time to build a defendable budget creditors accept
• Creates a calm path into DMP, IVA or DRO

Scotland has different options (e.g., temporary moratorium, Trust Deeds, DAS). Tell us your postcode and we’ll signpost correctly.

Include Catalogue/BNPL in One Plan — IVA, DMP or DRO

IVA — Individual Voluntary Arrangement

For steady income with higher total debts (often £6,000+). One affordable payment for 5–6 years; once approved, most enforcement and interest are typically frozen. On successful completion, remaining eligible unsecured debt may be written off.

DMP — Debt Management Plan

Informal and flexible. One reduced payment based on what you can afford; many creditors freeze or reduce interest/charges when your budget is defendable.

DRO — Debt Relief Order

For low income/low assets within set limits. Debts included are frozen for 12 months and may be written off if circumstances don’t improve.

Catalogue Debt — FAQs

Can catalogue debt be written off?

Possibly — typically via an IVA after successful completion, or a DRO if you meet strict criteria.

Will a plan stop interest and charges?

In a DMP, many creditors freeze or reduce interest; in an IVA, interest is generally frozen once approved.

Can I include Klarna/BNPL alongside cards and overdrafts?

Yes — we commonly combine catalogue/BNPL with credit cards, overdrafts and loans into one affordable monthly payment.

Will this affect my credit file?

Breathing Space itself isn’t an insolvency entry, but payment history still matters. Formal solutions affect credit during the term; they stop things worsening and create an end-point.

What if I already have a CCJ?

You still have options. Protections usually apply to new enforcement steps; we’ll review your position and respond to creditors in writing.

Start Your Fresh Start Today

Get protected with Breathing Space and move into a plan that fits your life. We keep priority bills safe, speak to creditors in writing, and guide you to the route with the best outcome.