Key points
- Catalogue debt is non-priority and unsecured
- Missed payments lead to charges, defaults and eventually debt collectors
- You can ask for reduced payments
- It can be included in a DMP, IVA or DRO
- Stop using the account while you sort things out
What happens if you miss payments?
You'll usually get late fees and letters, then a default notice. The account may then be passed to a debt collector, and the company could take court action for a CCJ.
What you can do
- Contact the company early and explain your situation.
- Offer what you can afford after your priority bills.
- Stop using the account to avoid the balance growing.
- If you have several debts, look at a DMP, IVA or DRO.
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Start free checkFrequently asked questions
Can catalogue debt go to court?
Yes. If it remains unpaid, the creditor can apply for a County Court Judgment.
Can catalogue debt be written off?
It can be included in formal solutions like an IVA or DRO, where remaining qualifying debt may be written off.
Will I be blacklisted?
There's no blacklist, but missed payments and defaults show on your credit file for six years.
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Sources and further reading
This guide is general information, not advice, and was correct when last updated. Rules and limits can change. Speak to a regulated adviser about your own situation.