Can i use klarna or clearpay?

Get expert opinion. This is the place for new questions to be posted.
4 posts Page 1 of 1

richard845

User avatar
Posts: 1
Joined: Sun Aug 23, 2020 8:54 am

Post by richard845 » Sun Aug 23, 2020 8:54 am
can i use klarna or clearpay

kallis3

User avatar
Forum Expert
Posts: 75936
Joined: Mon Mar 17, 2008 4:02 pm
Location: United Kingdom

Post by kallis3 » Sun Aug 23, 2020 9:13 am
Personally I wouldn't use it - if you can't pay on time you will be in trouble if you have an IVA as it can be seen as credit. Think about using Paypal or just your normal debit card.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley.
http://kallis3.blogs.iva.co.uk

Foggy

User avatar
Forum Expert
Posts: 31243
Joined: Fri Dec 17, 2010 11:14 am
Location: United Kingdom

Post by Foggy » Sun Aug 23, 2020 10:00 am
If whatever you are purchasing is over £500 that is a no-no. These short term loan firms also tend to be more aggressive if things do go wrong. If they credit check they might well refuse you anyway.

The generally included clause that you cannot take out credit more than £500 without the IPs permission could also be taken to cover things like monthly pay insurance (often a loan) and utilities on credit meters --- it is easy to exceed that £500 without adding things like short term credit purchases.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
http://foggy.blogs.iva.co.uk

Mrs_Brown

User avatar
Posts: 176
Joined: Wed Jan 03, 2018 5:06 am

Post by Mrs_Brown » Sun Aug 23, 2020 1:53 pm
I went through a checkout where it put Klarna as default, so I thought let's try it, a £100 monitor in two £50 payments. Instantly declined. Got a second hand one from ebay instead in the end.
4 posts Page 1 of 1
Return to “Ask IVA Forum and Industry experts”