he was still able to sign up with two other companies, clearpay and laybuy. klarna, so, yeah, i moved on straight away. he fell behind again and says laybuy charged him late payment fees before threatening to refer him to a debt collection agency. i am still struggling to keep up with repayments. i'm trying to figure out a way to keep up with them. i got a message from them saying they're going to, like, pass it on over to debt collectors. so i've got to pay that off when i get paid. for most people buy now, pay later can be a convenient way to spread the cost of their shopping. but for those who struggle to keep up with the repayments, the consequences can be serious. if you pay back what you owe on time, then you shouldn't have any problems with buy now, pay later. the problem is that lots of younger people end up not being able to pay back what they owe on time, and with some lenders, they will charge late fees. and these can stack up. and then as time goes on, you will be referred on to a debt collection agency, and they can use any means necessary, reall