Do Klarna Send Letters? What To Expect

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Are you worried about dealing with Klarna letters? You’ve come to the right place. Each month, more than 170,000 people visit our website seeking advice on debt matters.

In this easy-to-understand guide, you’ll learn:

What Klarna is and how it operates
What to do if you receive a letter from Klarna
The effects of missing a Klarna payment
How Klarna may impact your credit score
Ways to manage or write off Klarna debt

In 2022, arrears on household bills increased by 68% from £1,739 to £2,920¹. So it’s common for people to struggle with debt.

If that’s your case, and you’re concerned about a missed payment, don’t worry. We’re here to help you find the answers you need for handling Klarna letters.

Does Klarna Send Letters When I Miss a Payment?

Klarna tries to collect a payment using your registered payment options.

When the payment fails, Klarna tries again 2 days later. If the attempt fails a second time, you’ll receive a statement showing the full amount owed.

You have 15 days to make the payment!

Klarna sends you text messages and emails when you miss a scheduled payment. This is after the first payment reminder email you get 2 days before an instalment is due.

But, if you don’t respond or you fail to settle the amount, Klarna may contact you by letter.

When you fail to respond to a Klarna letter, they may pass your information on to a debt collection agency. It could harm your credit score if they do!

How Long Do I Get to Pay the Klarna Slice It Option?

You get to pay for things between 6 to 36 months depending on the retailer.

The information is clear when you check out using the Klarna Financing option.

What If I Can’t Make Repayments on Time?

When you can’t make a repayment on time, get in touch with the Klarna team.

They have a team of advisers who could provide a solution for you. Never wait until the repayment is past due and don’t ignore any texts, emails or letters from Klarna.

If you don’t communicate with their support team, Klarna could pass the details on to a debt collector. You may incur more costs and fees, not to mention the stress involved.

Remember, when you choose the Slice It Klarna option, you’ve signed a credit agreement.

When you default on the agreement, a credit reference agency will know. The information is available to other creditors which could harm your creditworthiness.

Debt Solutions Comparison

If you’re struggling with debt and missed payments, don’t worry. There are different debt solutions that can help you manage your finances effectively.

These are:

Debt Solution	Description	Formality	Debt Type	Debt Range	Legally Binding	Impact on Credit Score	Asset Risk	Monthly Payment	Duration	Creditor Agreement Required
Debt Management Plan (DMP)	Agreement to pay back non-priority debts in one monthly payment.	Informal	Non-priority debts	Any amount	No	Yes	No	Varies	Varies (until debt is paid)	No (but creditors must be informed)
Individual Voluntary Arrangement (IVA)	Agreement to pay back all or part of your debts over a set period.	Formal	All or part of debts	Usually over £10,000	Yes	Yes	Possible	Fixed	Fixed period, usually 5-6 years	Yes (75% by debt value must agree)
Debt Relief Order (DRO)	Freezes debt for a year and be potentially written off.	Formal	Non-priority debts	<£20,000 debt	Yes	Yes	No	None during freeze	12 months	No (court approval needed)
Bankruptcy	Legal status for those who cannot repay debts, potentially writes off debts.	Formal	Unmanageable debts	Any amount, typically high debt	Yes	Yes	High	None during bankruptcy	Usually 12 months, then discharge	No (court process)
Consolidation Loan	Taking out a new loan to pay off all existing debts.	–	Multiple debts	Based on loan amount	Varies	Yes	Depends on loan type	Fixed	Depends on loan terms	No
Payment Holiday	Temporary relief or reduced payments offered by creditors.	–	short-term financial difficulties	Any	No	Yes	Low	Reduced or paused payments	Break of up to 6 or 12 months, depending on circumstances, payment history, and creditor’s policy.	No
Informal Negotiation	Direct negotiation with creditors for reduced payments or extended terms.	–	All debts	Any	No	Possible	No	Negotiable	Until agreement terms are met	No
Statutory Debt Repayment Plan (SDRP)	Plan to repay debts over a reasonable time, with protections from creditor action.	Formal	All debts	Varies	Yes	Yes	No	Fixed	Varies, based on ability to pay	Yes
Equity Release	Homeowners release equity from their home to pay off debts.	–	Debts of homeowners, typically older individuals aged 55+	Varies and depends on property value	Yes	Yes	Asset (home) is used as collateral	Varies	8-10 weeks timeframe from application to fund disbursement. Lifetime; repaid on house sale/death.	No

How a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:

Situation

Monthly income	£2,504
Monthly expenses	£2,345
Total debt	£32,049

Monthly debt repayments

Before	£587
After	£158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get started

Always Respond to the Letters

Always respond to Klarna letters.

When you’ve fallen behind with Klarna payments and you receive a letter from them, don’t ignore it! The problem will not go away.

In fact, things will only get worse when you fail to communicate with Klarna. Provide their support team with a repayment plan if you can. You may find they have a solution for you.

» TAKE ACTION NOW: Fill out the short debt form

Are there Legal Consequences of Not Responding?

While there are no legal consequences for ignoring Klarna letters, ignoring Klarna debt is going to make your situation worse.

There are legal repercussions for non-payment or missing some BNPL payments.

Your debt may be bought by a debt collection company. If this happens, you can follow my debt collectors guide for some more information.

If you don’t pay the debt collectors, they may end up taking you to court to get a CCJ.

A County Court Judgement (CCJ) is an order from a judge that states you have to pay the debt. This means that the court agrees with your creditor, and you owe the money.

Your judgement will include the following:

How much you owe
How you should pay
Who you should pay
Your deadline to pay.

Unless you pay within one month of the CCJ being issued, it will be recorded in the Register of Judgements, Orders and Fines for 6 years.

If you pay off your debt within these 6 years, you can request that your judgement is marked as ‘satisfied’ on the register.

To do this, write to the court with proof that you have paid off the debt in full.

If you manage to pay within one month of the CCJ being issued, the judgment will not be recorded in the register. You will need to write to the court explaining that you have paid and provide proof.

CCJs are also visible on your credit file for 6 years. This will make it almost impossible for you to get credit during this time.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

Other Payment Options

You can also choose another way to pay for things using Klarna. It’s called the ‘Slice It’ option and is available at certain retailers. It allows you to spread the cost of goods you buy using this payment option.

That said, Klarna carries out a ‘hard’ credit check which differs from their Pay Later option. Also, there is an interest rate which is set at 18.9% APR and you enter into a formal credit agreement.

You select Financing at the checkout when Klarna tells you they are going to carry out a hard credit check on you. They also do an ‘affordability assessment’ among other things.

The hard credit check may affect your credit rating.

When it’s time to pay, Klarna sends you a text or an email, you get to choose. By paying a small monthly repayment, you may incur more interest charges on your Slice It account.

It could make it harder to pay off the amount owed!

Klarna Contact Details

Website:	https://www.klarna.com/uk/
Phone number:	0203 005 0833 (Local rate)
	0808 189 3333 (Freephone)
	0203 005 0834 (COVID 19 related)
Operating hours:	Mon to Sat 9 am – 6 pm Closed on public holidays.