Catalogue accounts are regulated consumer credit agreements. Missing payments is treated the same way as missing a credit card payment: arrears letters, defaults and, eventually, debt collection.
Where they differ is in how quickly the balance grows. Interest is often 39.9% APR or more, and buy-now-pay-later purchases that aren't cleared on time can add backdated interest across an entire promotional period.
If you're falling behind, request an income and expenditure review from the provider and ask for interest to be frozen. Catalogue debt is unsecured and can be included in a Debt Management Plan, IVA or DRO on the usual terms.
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