Catalogue Debt Help & Advice
Get support with catalogue debt. We’ll talk you through your options like our IVA, debt management and relief plans.
- Write off 75%* of unaffordable debt
- One lower monthly payment
- Stop creditor hassle and bailiffs
- Access mental well-being services
Your credit rating may be affected if you opt for a debt solution.
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100% FREE ADVICE
Get information today on your available options
Catalogue Debt Making Life Unmanageable?
Catalogue accounts can feel convenient at first. But when interest builds, minimum payments barely make a dent and missing just one can lead to fees, calls from debt collectors, or even defaults.
If your catalogue debt is starting to affect your day-to-day life, you’re not alone. We’ll help you understand your options, deal with what you owe, and take practical steps toward a more manageable future. Our advice is free, confidential, and based on what’s right for you.
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Common Catalogue Debts We Can Help You With
Catalogue debt can build up quietly, a few orders here, a minimum payment there. But when the balance won’t go down and the interest keeps climbing, it can quickly become unmanageable.
Whether you’ve missed a few payments or are already hearing from collectors, we can help. Our team speaks to people every day facing the same pressure. We’ll guide you through your options and support you every step of the way.
Littlewoods credit can feel flexible at first, but interest rates are high and balances can grow fast. If your repayments are becoming a burden, we’ll help you take control before the situation gets worse.
Very accounts can be tempting with buy-now-pay-later offers, but once payments are missed, fees and pressure from creditors often follow. We’ll help you understand your options and find a practical way forward.
Freeman’s catalogue debt can escalate if you’re only making minimum payments. If you’re behind or feeling stuck, we’ll guide you through solutions that fit your financial situation — without judgement.
Next Directory (Next Pay) gives flexible credit, but late payments can lead to charges and limited account access. If you’re feeling under pressure, we’ll talk through your options and help you move towards a more manageable plan.
We Help With Most Debts - Not Just Catalogues!
*Mortgage debt can be included if you no longer own the property in question.
- Credit Cards
- Loans
- Overdrafts
- Store Cards
- Mortgages*
- Catalogues
- Council Tax
- Benefit Debts
- Utility Bills
- Payday Loans
Example Of An IVA
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Your Monthly Repayments:
Find out for FREE what debt help is available to you
Subject to creditor acceptance. Payment subject to individual circumstances.
Credit Rating may be affected. Fees apply, subject to individuals circumstances.
Reasons To Choose PennyPlan
- Stop all interest & charges
- Write off debt
- Access well-being services
- Reduce monthly payments
How To Deal With Catalogue Debt
Falling behind on catalogue debt can feel overwhelming, especially when interest keeps adding up and you’re being chased for payments you can’t afford.
You might be offered a repayment plan, but if you’re dealing with multiple debts or things are already stretched, that may not go far enough. That’s where a formal debt solution could help. From Debt Management Plans to IVAs and DROs, there are regulated options designed to reduce pressure, stop contact from creditors, and help you get back on track.
At PennyPlan, we’ll talk you through what’s available, how each solution works, and whether you qualify.
Catalogue Debt Repayment Plan Options
Understanding the options available to deal with catalogue debt is the first step towards taking back control. Our goal is to help you find a manageable way to reduce the pressure and move forward with confidence.
What works best will depend on your circumstances, which is why one of our specialist advisers will take the time to talk it through with you and explain the routes available.
IVA
Individual Voluntary Arrangement
An IVA consolidates debts into one affordable plan, with some catalogue debt potentially written off.
DMP
Debt Management Plan
A repayment plan that combines debts into one monthly payment. Interest can be reduced or frozen, helping ease financial pressure.
DRO
Debt Relief Order
A debt reduction programme for those on low income. Certain debts can be cleared, with no ongoing payments required during the DRO.
Find Out For FREE What Debt Help Is Available To You
Get Help With Catalogue Debt Today
We’ve helped people across the UK take control of their debts and get their lives back on track. Our trained advisers will assess your individual situation and guide you towards the best way to manage and resolve your finances.
Do I Qualify
For an IVA?
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Get information today on your available options
Take The Pressure Off Catalogue Debt
When catalogue payments start to feel overwhelming or take over your headspace, it’s a sign that things are becoming unmanageable. But you don’t have to face it alone.
At PennyPlan, we look at the full picture; from what you owe to what you can realistically afford, and give you clear, expert guidance on the options available.
It’s about finding a way forward that puts you back in control. And we’re here to help you do just that.
Start moving forward with confidence and talk to us today.
- One lower monthly payment
- Write off 75%* of unaffordable debt
- Freeze interest & charges
- Stop legal action including bailiffs
- Receive FREE well-being sessions
What happens if you don’t pay catalogue debt?
Missing catalogue payments can lead to late fees, extra interest, and a negative impact on your credit file. If the debt builds up, the account may be suspended or passed to a collection agency.
You could start receiving letters, calls, or notices warning of legal action, including the risk of a County Court Judgment (CCJ). The earlier you get advice, the more options you’ll have to deal with the debt and prevent things from escalating.
Tackle Your Debt And Your Mental Health In One Place
Our team are committed to getting your finances and well-being back in top condition
Apply for our eligibility check
Find out if you match the minimum criteria we require to enter you into one of our IVA plans
Speak to our debt specialists
Speak to our friendly debt specialists, who will explain all the options available to you.
Choose your debt solution
Now you have all the options available, you can make an informed decision that is right for you and your family.
Do I Qualify
For an IVA?
What Our Customers Say About Us
Maria
3 days ago
PennyPlan were extremely professional and genuinely caring, I am very happy that I made the call and now have a plan in place and peace of mind. From the first contact to the signing of the agreement it was straight forward and simple plus the staff really are exceptional in the way they listen and understand’ I couldn’t have asked for a better company.
Emily
4 days ago
For over a decade I have kept my money worries to my self away from friends and family one phone call with Leah and I had laid it all bare without a second thought nothing shocked her and nothing wasn’t sortable I’m forever grateful I stumbled across this company and no longer have to worry about money on my own. Highly recommend!!
Daniel
4 days ago
PennyPlan offered insightful, professional and empathetic support throughout my insolvency. Declan in particular was friendly, personable and knowledgeable, and a massive help throughout the process. They offer a no pressure service and allow you to make the best decision for yourself. I highly recommend these guys for anyone struggling with debt.
Mark
1 week ago
I was hesitant in applying for an IVA, But my mind was put at ease on the first call. The whole process was explained to me with complete care and understanding and I didn’t feel judged at all. Since being accepted for the IVA my mental health has improved so much and I now don’t worry about how I am going to put food on the table each week.
Catalogue Debt FAQ’s
Catalogue debt happens when you buy items on credit from a mail-order or online catalogue, then struggle to keep up with the repayments. Interest and fees can build up quickly, especially if you only pay the minimum each month.
Yes. If you miss multiple payments and don’t respond to reminders, the company may pass your account to a debt collection agency. You’ll usually get warning letters first, but it’s best to seek help early to avoid this.
It can. Late or missed payments are reported to credit reference agencies and may lower your score. This could make it harder to get credit in the future. Formal debt solutions may also have an impact, but they can prevent further damage if the debt is becoming unmanageable.
In some cases, yes. If you’re eligible for a solution like an Individual Voluntary Arrangement (IVA) or a Debt Relief Order (DRO), part or all of your catalogue debt could be written off after a set period. We can help you explore whether this is the right path for you.
If you’re only just starting to fall behind, it may be worth contacting them to ask about payment plans or temporary support. But if you’re juggling multiple debts or facing wider financial difficulties, speaking to a debt advisor can help you take a more complete approach.
