I Cannot Afford to Pay My Grattan Catalogue Account Debt?

Many are worrying that”they can’t repay Grattan Catalogue Debt”.

They are wondering what debt solutions are available for catalogue repayments?

Some are struggling to repay Grattan loans as they have been affected by Covid-19.

If you are struggling to make catalogue repayments, then check out our comprehensive article.

Buying from a catalogue on credit is an easy and fast way to purchase clothing and furnishing items, without having to save up the money.

We understand that the majority of people who use credit cards or planned payments do so with the understanding that they uphold the pre-arranged payments and the interest on top of the original price.

However, we understand that financial problems can arise suddenly and cause a lot of stress and worry.

Check What Debt Solutions Are Available

Don’t panic! If this sounds like a similar situation to your own, we’re here to help.

We can offer indispensable information on how to access services that can help you balance your budget for better repayment options.

I Can’t Pay Grattan Debt – What Should I Do?

Take a deep breath – Ok so it’s not ideal, but you are far from the first person to fall into catalogue debt.

It’s all about your actions from here not what got you into it!

If you can’t pay your catalogue debt there is a variety of help out there to suit your needs and find achievable repayments options.

Making a minimum payment each month means you only pay what you can afford. Monthly payments for catalogue debts don’t have to be extortionate.

How do you pay off Grattan catalogue debt

Catalogue repayments can have a high-interest rate and missed payments can negatively impact your credit file.

So, it is best to keep on top of your catalogue debts. Speak with a debt advisor as soon as you are made aware of your catalogue debts.

Taking a debt quiz or seeking financial advice over the phone is a common way to get great personalised advice on debt management.

Do Not Pay Grattan Until You’ve Received Free Debt Advice

Debt solutions can be completely free and are entirely confidential!

Your current financial situation, such as income/outcome amount and the APR of the interest rates, will be taken into account.

By using the information you are given correctly, you might even be able to write off some of your debt.

However, this is not applicable to every case, so it is always best to consult a professional debt advisor to find your best route to becoming financially free.

Speaking to a debt management company may introduce new ways of budgeting.

It can also help with other debts that you may have with credit cards or catalogue companies.

There are charities within the UK who offer advice, that you can contact via the internet or phone, free of charge.

They can check your credit rating and advise you on how to move forward in communicating with the catalogue company.

Who Is Grattan?

Based in Bradford, UK they began in 1915 as a clothing company In 1991, Grattan was bought by the German mail-order company, Otto Versand.

In 2001, Freemans and Grattan merged, to fall under the banner of Freemans Grattan Holdings.

They are authorised and regulated by the Financial Conduct Authority, respective of consumer credit activities.

They currently have 18 stores throughout the United Kingdom and Ireland.

They have released two main clothing catalogues as well as a specialist catalogue.

Grattan also offers a wide range of homeware products and appliances.

One quality of Grattan favoured by customers is their credit account option, which allows customers to pay for products on a weekly or monthly basis.

A buy now pay later credit agreement can seem beneficial, however, it can be risky.

If you can’t afford to pay outstanding debt this can affect your credit terms, so always make sure to pay the minimum amount required.

Catalogue Brands

Grattan PLC is authorised and regulated by the Financial Conduct Authority (No 311340).

Grattan holds an Interim Permission (No 006704) in respect of its consumer credit activities and subscribes to the Financial Ombudsman Service.

They have a number of associated websites providing similar services, so you can use your Grattan account with a number of other companies:

  • Kaleidoscope
  • Lascana
  • Bonprix
  • Aspirations
  • Look Again
  • Witt-international
  • Curvissa
  • Swimwear365
  • Clearance365

Kaleidoscope offers credit up to £1000 to buy goods from its Grattan PLC catalogue website. This credit is offered with an interest rate of 34.94% APR variable.

If you Can’t Pay Kaleidoscope Bills get in touch with a debt advisor before the interest rates make it persistent debts.

How to Stop Catalogue Companies From Calling

Don’t be bullied!

If you feel that a catalogue company is harassing you you have the right to refuse the calls and ask that they communicate via email or stop contacting you altogether.

If the situation has escalated, you can ask a debt solutions company to send a letter to the collection companies on your behalf.

They can also prevent bailiffs from arriving at your property and causing more undue stress, in an already overwhelming circumstance.

Do not give your credit card or debit card details to anyone over the phone.

You can not guarantee that they are genuinely calling on behalf of the catalogue company, they claim to be representing.

The best way to ensure you don’t get calls from debt collectors is to ensure you don’t miss payments.

If personal circumstances mean that this isn’t possible, contact the catalogue company right away, as they may drop interest kicks.

It’s better to be open about your payment based struggles, as catalogue companies may be able to provide debt advice to help.

Complaining About Gratton’s debt collection

Do you feel that you have been unfairly treated in any way?

Has your credit rating been negatively impacted? Or have you fallen into persistent debt despite having complied with payments?

Contact Gratton Directly

First and foremost, you should contact the catalogue company in question, about managing your payments and try to directly resolve the debt issue.

This could be resolved by simply making the minimum required payments on a monthly basis.

You may ask if they will consider wavering interest charges or account charges until your next billing period when you can afford to make the payment.

Our advice is to send a letter, in regards to your complaint, to the following address;

66-70 Vicar Lane,

Little Germany,

Bradford,

BD99 2XG

UK

They are authorised and regulated by the Financial Conduct Authority No: 311340.

Alternatively, you can contact Gratton’s customer service team via phone, email or online enquiry.

You can call them from Monday to Saturday, from 8 AM to 6 PM  on 0333 200 8067.

You can email Grattan using their online template form, which will deliver your concern directly to their customer care team. They aim to respond to enquiries within 2 days.

Grattan also offers a virtual assistant to help with straightforward enquiries, this feature is available 24/7.

Escalate Your Complaint to the FOS

If your complaint is not responded to or is still unresolved after 8 weeks, we strongly advise that you contact the Financial Ombudsman Service.

As long as the complaint to Ombudsman services is sent within 6 months of your final response letter from your creditors, they will open up a case for you.

You can contact the FOS via the following methods:

How Do I Close My Gratton Catalogue Account?

If you wish to close your account you will need to contact them via their Contact Us page.

You will need to provide the following:

  • Full name
  • Account number
  • Date of birth
  • Billing address

So, that they can correctly identify your account.

You will need to have a clear account balance and have no pending payments before you can close it.

If you have pending payments, then you can ask them to put any payments on hold while you go through deliberations.

This will help you to avoid paying more money in penalty fees or interest payments.

Once your balance has been cleared, your account can be closed.

Final Thoughts

Our advice is to attempt to remedy the situation quickly and diplomatically as possible.

If you show the catalogue company that you are trying hard to meet their demands, despite your financial circumstances, they should consider alternative repayment options.

WANT TO GET RID OF GRATTAN CATALOGUE DEBT

They should come to a reasonable payment agreement, such as one-month instalments of a minimum payment.

There is an abundance of help and advice for those who fall into catalogue debts.

Don’t feel like you are alone or that you are the only one who hasn’t been able to pay the full amount of their catalogue companies debt. This isn’t the case.

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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