Breathing Space for Catalogue Debt: How the Scheme Works
The Debt Respite Scheme gives 60 days' protection from creditor action — here is who qualifies, what is covered, and how to apply through a debt adviser.
How the rules on catalogue credit are changing, and what they mean for you
This page tracks changes to consumer credit law, data protection rules and debt relief schemes that affect people with catalogue accounts, and explains each one in plain terms as it happens. It is general information, not financial advice; for a decision about your own account, see MoneyHelper at moneyhelper.org.uk or check the FCA register at register.fca.org.uk.
Regulatory updates
What changes in the law and guidance around catalogue credit, marketing and debt actually mean, explained as they happen.
Buy Now Pay Later vs Catalogue Credit: What Is the Difference?
BNPL and catalogue credit both let you spread the cost — but they are regulated differently and behave differently on your credit file. Here is how.
How to Register With the Mailing Preference Service
Step-by-step: register with MPS at mpsonline.org.uk, what it covers, how long it takes to work, and what to do about mail that keeps arriving.
The Minimum Payment Trap on Catalogue Accounts
Why paying the minimum on a catalogue account costs far more than you expect — a worked example showing total interest, total paid and months to clear.