I cannot afford to pay my Fashion World Catalogue Debt?

If you are struggling with Fashion World Catalogue Debts we explain all the debt solutions you have.

In our Fashion World Catalogue Debt guide, we will explain whether catalogue debts can be written off.

We will explore catalogue debt help solutions and explain if you can get a CCJ for catalogue debt.

Keep reading to learn all there is to know about how to pay catalogue debts.

Who Are Fashion World Catalogue?

Fashion World Catalogue are a Store Card / Catalogue Company in the UK.

Fashion World is a trading style of J D Williams & Company Limited, the UK’s leading direct home shopping company, operating over 20 successful catalogue brands.

Fashion World Catalogues are another means of purchasing goods on your credit account/credit file.

Buy Now Pay Later Store Cards

Many major retailers offer a form of credit card called a store card, which you can only use within that particular shop or retail group.

Store cards on a buy now pay later can be a useful means of buying from a particular shop as they often come with special introductory offers giving you discounts on your first purchases or store card points per purchase which can be redeemed against purchases to provide future discounts.

However, store cards can work out to be expensive if you do not pay the outstanding balance in full, they come with interest rates that are usually higher than a credit card.

They offer a mail order service that offers promotional/introductory discounts for your first order.

Catalogue or Mail Order companies usually offer a buy now pay later scheme that allows you to repay your order in full within a specified amount of time interest-free.

This interest-free period is usually no more than 28 days.

You can then usually spread the cost over 12 months.

Catalogues can have high-interest rates with some companies charging in excess of 39.9% APR.

Fashion World Catalogue Payment Plan Problems

Should you fall into arrears with Fashion World Catalogue, miss a payment or exceed your credit limit you will usually be charged and if these charges are not cleared on your next statement extra interest will accrue which will make it more difficult to pay off the debt.

If you have a store card or catalogue and are struggling with the minimum payments click here to contact us or submit your details in the contact form to the right of your screen for instant debt advice.

Contact our Debt Specialist team today for confidential advice. We may be able to help you by arranging a reduced repayment plan with Fashion World Catalogue on your behalf and help to deal with your catalogue repayments for you.

The Financial Conduct Authority lays out rules and guidelines on how companies can operate in the consumer credit industry and to prevent unfair practices.

The FCAs debt collection rules and guidance sets out minimum standards that all authorised companies involved in debt recovery and the debt collection agency must adhere to in order to be considered fit to operate as a debt collector.

Examples of unfair practices include claiming unfair or excessive collection charges, harassment, misrepresenting enforcement powers (threatening to seize property when lawfully they cannot), bypassing an appointed representative and contacting you directly, threatening legal action when it is unlikely to take place.

As part of our Debt Directory, we have listed most of the store card or catalogue companies that operate within the UK, providing you with up to date information on each company. Click on the following link to find the Store Card and Catalogue Debt Directory.

If you are experiencing problems with store card or catalogue debt click here to contact us.

Can I Write Off Fashion World Catalogue Debts

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Complaining About Fashion World Catalogue Debt Collection

We have listed contact details and company information for Fashion World Catalogue below.

Company Name

Fashion World Catalogue

Correspondence Address

Griffin House
40 Lever Street
Manchester
M60 6ES

Registered Address

Griffin House
40 Lever Street
Manchester
M60 6ES

Reg Company Number

01814697

Parent Company

J D Williams & Company Limited

Consumer Credit Licence

0300567

Website

www.fashionworld.co.uk

Company Director

John Hinchcliffe

Direct Postal Address

Pitcher Clough Farm
Oldfield Lane
Oldfield
Leighley
West Yorkshire
BD22 OHT

Director

Christine Dorothy Mulcahy

Direct Postal Address

15 Sands Avenue
Chadderton
Oldham
Lancashire
OL9 0NU

I Can’t Pay Fashion World Catalogue Debt – What Should I Do?

Do not ignore debts from Fashion World Catalogue because the debt will never go away until you set up a repayment plan or speak to a professional debt advisor.

When speaking to a specialist debt consultant he can run a disposable income check on your current financial situation and give you all debt solutions available in April 2024.

Some search “how to get rid of Fashion World Catalogue debt without paying” and depending on your financial history there could be ways to legally write off catalogue debts.

With just a few easy online questions you can see all options available from you here:

Can I Write Off Fashion World Catalogue Debts

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Do Not Pay Fashion World Catalogue Until You’ve Received Free Debt Advice

Catalogues are unsecured debts and it is always advised to speak to a debt advisor for free advice before making any payments.

Do not make any payments until you have received professional advice to understand all the debt solutions available to you.

Here are all the solutions for debt available to you depending on where you are based in the United Kingdom:

Popular Questions

Can you get a CCJ for Fashion World Catalogue debt?

Fashion World Catalogue can apply for a County Court Judgement (CCJ) to be brought against you to retrieve their money owed.

Only the court can implement the CCJ for your catalogue of unsecured debts owed.

If you do not keep up with payments to your CCJ then and only then will the court, not the catalogue, have the authority to send in bailiffs.

To avoid a CCJ, make sure to keep up with any minimum catalogue repayments to avoid a bad credit score on your credit report and the threat of legal action.

Can Fashion World Catalogue send bailiffs?

Fashion World Catalogue company do not have the authority to send bailiffs to your home.

Catalogue companies are also not allowed to take any of your personal possessions in order to pay for your unsecured debt.

Only the court, not the catalogue, have the authority to send in bailiffs if you fall behind on payments to your CCJ.

What happens if i don't pay Fashion World Catalogue?

Fashion World Catalogue company reserve the right to impose a charge to cost the cover of missed or insufficient payments and are entitled to debit your account with any costs incurred by them.

Catalogue companies will ask you to catch up with the debt arrears and if you can’t pay the creditor the account will default and further action could be taken against you.

You are signing a consumer credit agreement when you have a catalogue account, which means the debt is enforceable in the courts.

Your credit history will be impacted and bad credit history is not something you want.

For debt advice, get in touch today.

Final Thoughts

If you’re having trouble maintaining your payments or feel that a change in circumstances may affect your credit rating or ability to pay in the future you need to get professional debt advice.

The Financial Conduct Authority (FCA) has introduced new rules with the aim of helping customers avoid long-term debt. If you’ve been making the minimum payment or low payments over the past 18 months, you may have paid more in interest, fees and charges than the basic cost of your purchases.

Under new rules, this means your account is in ‘Persistent Debt’.

It’s important that you continue to make at least the minimum payment due on your statement, so your account stays up to date.

If you are getting into a state of persistent debt there are many ways to seek advice. Debtors can search in Google for:

  • how to pay off catalogue debt
  • catalogue debt advice
  • catalogue debt help
  • catalogue debts written off

Struggling With Other Debts

Here are some other debt guides if you are struggling with different types of debts:

Debt Help

Speak to the debt advisor to check what debt solutions you have to help you consolidate debts into a single affordable monthly repayment.

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