emergencyBreaking NewsKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisisKim Tucker Tremblay’s Boston Marathon Run Targets $9,000 for Hopkinton Emergency FundMortgage Rates Dip as Global Tensions Ease, but 'Lock-In' Effect Inhibits RefinancingA three-month extension on margin rule compliance could prevent forced sell-offs in Bangladesh’s distressed marketFundstrat Predicts S&P 500 Target of 7,300 as Sector Repricing Limits Pullback DepthStrong corporate earnings and investor skepticism keep markets from collapsing during Middle East crisis

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Home/Briefs/consumer credit

BriefApril 9, 2026 · 02:09 PM

Buy Now Pay Later services can lead to debt collectors

Missing payments on Buy Now Pay Later services can result in a referral to debt collectors and a damaged credit score. Citizens Advice identifies these services as credit products. The Financial Conduct Authority (FCA) does not regulate all such services, specifically those known as Deferred Payment Credit (DPC). DPC is an interest-free form of credit repayable in 12 or fewer instalments over 12 months or less. DPC agreements are currently unregulated, meaning lenders do not need to be authorised by the FCA or follow its rules. New protections will not apply to DPC agreements taken out before July 15, 2026.

Charlie Cromwell

Consumer CreditCredit ScoringDebt Management

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