I cannot afford to pay my Simply Be Debt?

Many are worrying “they can’t repay Catalogue Debt” and what solutions there are?

Check out the guide on everything you need to know about UK Catalogue Debts in May 2022.

Simply Be can provide you with a stylish new wardrobe. Their quality is undeniable but what about their credit accounts?

What happens when you find yourself struggling to make their payments and it’s affecting your credit score?

Below, we’ll be looking at the solutions available to you and help you clear that credit balance.

You may want to start by taking our debt quiz.

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Can’t Pay Simply Be Account Debt

New clothes give you a great feeling, right?

Sadly when the time comes to pay Simply Be for them, it isn’t such a great feeling.

There are a growing number of people who are coming to us looking for help with their Simply Be payments. This is particularly the case when Simply Be begin to apply pressure for these catalogue debts – which can be very stressful!

It doesn’t have to be as stressful as it is. If you currently owe an amount to Simply Be and are having difficulties making the minimum payment, firstly you should know that you are not alone. Many people are faced with this challenge.

The other thing you should know is that there is a way out and with our help, we can get you there.

I Can’t Pay My Simply Be Debt – What Should I Do

Your first reaction may be to panic and if that’s the case – try not to! We can help you get a handle on your Simply Be catalogue debt.

The best thing to do is to take action when you realise that you won’t be able to make the catalogue repayments. Take the first step by taking the debt quiz.

Can I Write Off Unaffordable Debts

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Debt solutions aren’t a one size fits all, however, there are plenty of options to assist you in clearing your Simply Be account.

Starting with the debt quiz, it will look at your current situations. Using this information, it can then provide you with the best debt advice so you are able to manage your debts in an affordable payment plan.

Whether a debt advice service tells you to take out a debt consolidation loan, pay back your credit card in full, or monthly payments- it is important to listen.

Do Not Pay Simply Be Until You’ve Received Free Debt Advice

By taking the debt quiz you will gain access to professional free debt advice. You are under no obligation and won’t cost anything so you have nothing to lose by completing the quiz.

The debt quiz will help us to gain an understanding of your current circumstances and there are the possibilities of writing off 90% of your Simply Be debt.

If you are finding it difficult to make payments on debts other than catalogue debt, such as credit card or loans then you should consider speaking IVA companies, or a debt charity.

Whatever your debt, we recommend that you seek debt advice before you pay the creditors.

Who Is Simply Be?

Simply Be are a retail company, who describe themselves are “plus-size specialists”. You can order from a catalogue, online or even in their retail stores.

They are part of the N Brown Group. Simply Be focus on fashion for ladies size 12 to 32.

Simply Be offer a credit account, you must live in the UK and be ages 18 or over. The interest rate on this account is usually 24.9%. Any direct debits set up on the credit report file will be taken every 28 days.

J D Williams & Company Limited are part of the N Brown Group.

They are known as the UK’s most popular home shopping catalogues. As well as Simply Be, they have over 20 catalogues brands.

As a result of this, they provide a huge choice of products, including clothing.

J D Williams and Company aim to provide great value and superb fitting clothes.

In terms of innovation, James David Williams was the first to use the parcel service as a way to deliver products customers.

These services proved to be incredibly popular with customers. Being able to get high-quality fashion delivered to your door was a winning formula.

This meant that the company saw huge growth and this has continued to be the case, with over 6 million customers shopping with a catalogue from J D Williams.

How to Stop Simply Be Debt Collectors From Calling

One thing that people may not understand is that you do not need to communicate with the debt collector.

There is nothing wrong in you asking them to stop communicating with you, in fact, it’s within your right.

We understand that asking catalogue companies to stop communicating with you may seem stressful and this is where debt consultants come in.

They are there to take that job away from you. A debt consultant will not only provide you with debt advice and help you to deal with your payments, they will also communicate with the catalogue company so that you don’t have to.

Debts can easily spiral out of control, and if your debt is now with a bailiff, you can find that they try to apply a lot of pressure – which you don’t need!

The role of a debt advisor is to stop a catalogue company from applying pressure to you. This means that you can focus on reducing your balance and potentially increasing your minimum payments.

Catalogue debts can get on top of people quite quickly and it happens to many people. This can make those money worries tricky to deal with on your own.

Luckily, you don’t need to. Help is always available and it’s never too late to take debt advice.

Make the first step towards a debt-free life by taking our free debt advice quiz today.

Can I Write Off Simply Be Catalogue Debts

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Complaining About Simply Be

If you would like to raise a complaint about the way Simply Be has treated you, then you can and should do so.

Sometimes companies will still treat you unfairly, even if you’re doing everything to pay off your balance.

As Simply Be are regulated by the Financial Conduct Authority, they will have a formal complaints procedure in place.

Taking the right steps can lead to a successful complaint and the best place to start with Simply Be, is to do so by writing to them directly.

This gives Simply Be an opportunity to investigate your complaint. You should keep a copy of what you send to them so you have a record.

The address to send it to is below:

Customer Complaints Manager

Complaints and Customer Relations Department

Griffin House

40 Lever Street

Manchester

M60 6ES

If you want to contact them by phone, then you can do so by calling their complaints number: 0345 026 3899.

Or if you prefer email then below is the email to send your complaint to:

[email protected]

Hopefully, Simply Be will address your complaint in an appropriate manner. If you aren’t satisfied with their response after 8 weeks then you can take your complaint to the Financial Ombudsman Service.

You can contact The Financial Ombudsman Service here:

Financial Ombudsman Service

Exchange Tower

London E14 9SR

Telephone: 0800 023 4567 or 0300 123 9123

Website: www.financial-ombudsman.org.uk

Close My Simply Be Account

Helpfully, Simply Be don’t make it difficult to close your account – providing your balance amount is clear and you don’t have any outstanding payments due.

All you have to do is contact them through their website and request that your account is closed and they take care of the rest of it.

Final Thoughts

We have looked at how Simply Be work and their payment structure, at 24.9% APR, the interest rate can soon stack up so be sure of your budget. It’s important to have a budget and stick to it!

Simply Be has lots of pay later payment plans that can seem tempting when you’re after a new outfit but when you take into account the interest, you will be paying a lot more than the cash price. Be absolutely sure this is what you want to do.

Having said all of that, Catalogue debt happens to a lot of people and seeking advice is one of the best steps you can take to get rid of your negative balance.

Are you ready to take the first step?

Can I Write Off Simply Be Catalogue Debts

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FAQ's

I may not be able to pay my debts. Can I pay a minimum payment?

If you have an account with Simply Be or even a credit card, there will be a minimum payment that you are required to make each month. You will find this to be the same for any catalogue company.

The minimum payment required each month is calculated based on the amount on the statement. Depending on the creditors, the minimum payments are usually around 1% – 3%. There is a minimum repayment amount of £5.

You may find yourself in what is known as ‘persistent debt’. This is when your minimum payments are only covering the cost of the interest rate and the charges. Your credit account balance isn’t going down.

It becomes persistent debt when this has been the case with the account for 18 months.

Should you find yourself in this position then the catalogue creditors may contact you, in the hope that you will increase your minimum repayments. These services are there to help you get out of persistent debt.

You can learn even more about persistent debt here!

The services that are offered by catalogue companies for a customer is changing. The minimum payment required on an account is increasing as standard.

This is in another bid to help prevent a customer from falling into persistent debt with their credit card as has become the debt trends.

One of the best things you can start with is to get a full understanding of your budget and stick with the monthly payment scheme.

Armed with this information, you can determine how much you can afford what kind of payment plan you can put together. This can be incredibly useful and a way to make sure you become debt-free more quickly than you first thought.

What happens if you don't pay?

A Simply Be credit account tends to have an interest rate of 24.9% APR, although this is subject to change.

Should this actually change, then they do inform you of this by giving you 21 days written notice.

Your minimum payment will be either 1/12 of your statement balance or £5, whichever is greater.

When you fail to make these catalogue repayments, this is when things start getting costly.

If you need to be reminded to make the payment or don’t make it, Simply Be charge you a £12 administrative fee.

If Simply Be needs to take further action for these payments, then the cost of this will also be added onto the credit file for the customer.

Many people state that Simply Be can be persistent when it comes to chasing repayments.

With several people saying that Simply Be’s debt company will contact you by phone very frequently. If you still don’t make any payments, then Simply Be are known to sell your debt to other companies. These will persist in chasing you for any repayments.

One of the worst things that could happen is that Simply Be could apply for a County Court Judgement (CCJ) to be registered against you.

Failing to make the minimum payment will result in Simply Be adding £12 onto every missed payment. It doesn’t stop there, they will most likely add extra charges and recovery costs.

The result of all of this is that your debt balance will increase, as will your interest charges so you will be in a much worse place.

To prevent all fo this from happening, you should seek help from industry experts, they will be able to answer debt question you may have and make sure you get out of money trouble.

Can't afford to pay debt collectors?

You may find yourself in a position like many others, who can’t afford to pay their debt. Don’t panic, there are steps you can take.

One thing you may find is that your credit card or account will get suspended if the persistent debt has gone on for over 36 months.

This isn’t always a bad thing as it will prevent you from spending more and therefore increasing the amount owed.

In some cases, bailiffs may start coming to your property. One piece of advice – don’t let them into your house.

A bailiff is not allowed to force entry into a property and only allowed to call between 6 am and 9 am.

One thing a bailiff can do is come through an unlocked door so be sure to always make sure your doors are locked.

If you do find that a bailiff is at your door, don’t let them in and don’t be bullied by them.

You can talk to them through the door or over the phone. The main thing is to keep them outside.

One method to tackle the amount owed is to seek advice, be that by taking our debt quiz or talking to a debt charity such as UK Stepchange, they are solutions.

Who is the Financial Conduct Authority?

The Financial Conduct Authority came about in 2012 by the Financial Services Act.

The aim of the FCA is to protect customers, increase competition and ensure integrity remains within the market.

FCA focuses heavily on the retail and wholesale industry. They will monitor and investigate any misconduct and look to improve standards across the board.

One thing the FCA can do is ban practices or products that aren’t suitable.

Struggling With Other Debts

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