Stacked BNPL Debt and the 2.8 Accounts Problem
A customer can look able to pay on paper while several small Buy Now, Pay Later instalments drain their bank balance each week. That gap matters when an invoice goes unpaid, because stacked BNPL debt can hide payment pressure that a basic affordability review misses. For your business, the point is not to diagnose a […]
Service charge arrears: your complete England & Wales guide
Struggling with service charge arrears in England & Wales? Discover how to address missed payments effectively and avoid legal issues.
Bailiff Regulation: How Creditors Should Prepare Now
A successful enforcement action can still create risk for your business if the process is poorly managed. Bailiff regulation is moving towards stronger independent oversight in England and Wales, so creditors need clear records, careful supplier choices, and control over every escalation decision. For businesses chasing unpaid invoices, this is not a reason to delay […]
Debt Discoverability Reform: Recovering Older Debts
A debt written off in your accounts may still be a live commercial claim. The 2025 debt discoverability reform has made that distinction more important for businesses pursuing older Scottish debts. If an invoice disappeared into an old ledger because the loss, responsible party, or supporting records were unclear, the limitation clock may not have […]
Commercial payments bill UK: Everything you need to know
If you run a small business in the UK and you are tired of chasing invoices that should have been paid weeks ago, the Commercial Payments Bill is worth your attention. In short, it introduces a legal cap of 60 days on payment terms in most business-to-business contracts, makes statutory interest of 8% above the […]
BNPL Debt Recovery: Staff for January’s Surge
January payments from buy now pay later purchases can turn a quiet account into an urgent support request within days. Your January recovery plan must account for that shift before Christmas promotions and delivery cut-offs create the next wave of instalments. If you lead a creditor team, a servicing partner, or a debt recovery agency, […]
BNPL Late Fees and the £39m Question for Debt Collectors
Late payments have become a revenue line in parts of the buy now, pay later market. FCA research estimated that consumers paid about £39 million in BNPL late fees over a year, a figure that puts real weight behind a charge many shoppers may see as minor. If you run a business with overdue invoices, […]
BNPL Ombudsman Complaints: A Collector’s Escalation Map
A BNPL balance can move into a formal complaint long after the first missed instalment. If your collection process treats it as a routine arrears case, you may miss the evidence, timing, and customer-care issues that shape the outcome. BNPL ombudsman complaints are now a live operational concern for firms handling eligible UK deferred payment […]