Buy Now Pay Later - Aggressive collection practices
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Many catalogue brands, online shops and some high street shops offer buy now, pay later credit. You get finance on an individual purchase and pay it off over time. A particular type of this, often offered by catalogue brands, is a ‘shopping account’. This is a bit like a credit card, but without the card - you’re given a credit limit, and you can keep spending up to this maximum amount, provided that you make at least the minimum repayment each month. In other cases, you might be offered what is called ‘instalment credit’. This is basically a loan to finance the purchase - you own the goods from the start, but you pay for them in fixed instalments, either monthly or weekly, over a fixed period.
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