UK Buy Now Pay Later Explained: Klarna, Clearpay
UK Buy Now Pay Later (BNPL) services like Klarna, Clearpay, Laybuy split a purchase into instalments. Currently unregulated for most short-term variants but coming under FCA regulation from 2026. This guide covers the products, the rules, and the credit-file impact.
UK Breathing Space Debt Relief Scheme Explained
The UK Breathing Space scheme gives 60 days legal protection from creditor enforcement, with interest and fees paused. Accessed through a debt adviser or mental health professional. This guide covers eligibility, the process, and how to use the 60 days productively.