Catalogue Debt FAQs

Failing to pay your debts can affect your credit rating in the same way as missing a loan repayment or credit card payment.

If you fall behind on your catalogue repayments, or if you fail to make your minimum repayments, then your catalogue company may ask you to catch up. If you are unable to do this or if you fail to reply, then they have a few options that they could take.

If you have catalogue debt and you have not been able to pay, then Bailiffs could come and collect the debt. However you will have plenty of warning before things get to this stage.

With offers of ‘buy now pay later’ and being able to pay for purchases over instalments, catalogues are an extremely convenient way for many people to shop. But, it can be incredibly tempting and easy to spend money you don’t have and create a debt burden that is tricky to pay off, especially around Christmas or birthdays.