How to Reactivate Your Frozen Clearpay Account

Whether you like the idea of Buy Now Pay Later (BNPL) credit or not, there are many people who rely on it to spread the cost of larger purchases. Personally, I think that BNPL credit is dangerous. It is directly marketed to the people who are often least well equipped to manage their debt. It’s all fine using a company like Clearpay, but what happens if you miss payments, or something else causes your account to be frozen? You will have lost access to a credit tool that you have likely incorporated into your spending patterns. In this post, I am going to look at what Clearpay is, and what you can do if your account gets locked.

Who Is ClearPay?

Customers can buy now and pay later with Clearpay, a UK-based payment service provider. Launched in 2019, the company has gained popularity among retailers and consumers alike. As part of the global payments company Afterpay, Clearpay operates in Australia, New Zealand, the US, and Canada as well.

Do you have to pay?

There are ways to have debt written off in the UK.

If you genuinely can’t afford your debt repayments then looking into whether you could have your payments lowered or written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

What Services Does ClearPay Offer?

Using Clearpay, shoppers can pay back their purchases in four interest-free instalments over six weeks. For people who want to spread out their purchasing costs or are on a budget, this is a popular option because it allows them to make purchases without having to pay the full amount upfront.

Retailers such as fashion, beauty, and home goods brands work with Clearpay. A customer can use Clearpay by selecting the Clearpay option at the checkout and entering their payment and billing information. The retailer is paid upfront by Clearpay, and the customer repays Clearpay in instalments.

What Is Buy Now Pay Later Credit?

Customers can make a purchase using Buy Now Pay Later (BNPL) credit and delay the payment until a later date. As an alternative to paying for products and services in full up front, BNPL credit allows customers to pay for them over time in instalments.

A third-party provider, such as Klarna, Clearpay, or PayPal Credit, offers BNPL credit at checkout to customers through retailers. The credit can usually be repaid in several instalments, or the whole amount can be paid back sooner if the customer wishes.

BNPL credit generally offers interest-free periods or low-interest rates, making it an attractive option for those who are looking to spread their purchase costs without paying high fees or interest. But be careful using BNPL providers such as Clearpay. They can and will start debt collection proceedings if you don’t keep up with repayments.

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

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Be Careful with BNPL

BNPL credit comes with some risks, however. Customers who fail to make their repayments on time may be charged late fees, additional interest charges, or have their credit score damaged. Before signing up for any type of credit, you should understand the terms and conditions and ensure that you can afford the repayments.

Considering that BNPL credit is often aimed at young people, or people on a low income, it can be very hard to get out of debt if you overspend using Clearpay. What might seem like easy to make repayments now, could become a problem if your BNPL balance spirals out of control. At this stage, you could be facing having to deal with debt collection agencies.

How To Tell if Your ClearPay Account Is Frozen

A frozen Clearpay account will prevent you from making purchases or payments. You can check whether your Clearpay account is frozen by following the steps I have explained, below.

• Log into your Clearpay account and check your recent activity. Any error messages or notices stating that your account is frozen or on hold could indicate that your account has been locked.
• You may receive emails or notifications if your account has been frozen by Clearpay. You should check your email inbox to see if you have received any messages from Clearpay.
• You can contact Clearpay customer service directly if you are still unsure whether your Clearpay account has been frozen. In addition to confirming whether your account is frozen, they should be able to provide you with more information about the reason for the freeze.

Why Does Your ClearPay Account Get Frozen?

There are several reasons why your Clearpay account might be frozen or put on hold. I have listed some of these reasons, below.

• Your account may be frozen if you miss a payment or are late with a payment.
• Clearpay may place a hold on your account if they determine that a transaction is a high risk, such as an unusually large purchase or a purchase from an unfamiliar retailer.
• Clearpay may freeze your account if they detect suspicious activity on your account, such as an unusual login location or multiple attempts to log in.
• An account may be frozen or permanently closed if you violate Clearpay’s terms and conditions, such as making a fraudulent purchase or misusing the service.
• If Clearpay cannot verify your identity, they may freeze your account until you provide additional documentation.

How To Get Your ClearPay Account Unfrozen

If your Clearpay account has been frozen, here are some steps you can take to try and unfreeze it. Most of these steps are common sense, but I have listed them below for you.

• The first step is to contact Clearpay customer service. You can ask them why your account was frozen and what needs to be done to resolve it.
• Making payments on your outstanding balance will restore your account to its original status if you were frozen due to missed or late payments. When you have made the payment, you can contact Clearpay to request unfreezing of your account.
• It may be necessary for you to submit additional documentation to prove your identity if Clearpay has been unable to verify your identity. Check with Clearpay customer service to learn what documentation is required if you are in doubt.
• In the case of a high-risk transaction, Clearpay may put a hold on your account. If this happens, you may need to verify the transaction with the retailer. Find out how to verify the transaction by contacting Clearpay customer service, if it is not clear.
• In the event that your account was frozen due to a violation of Clearpay’s terms and conditions, you will need to review those terms and conditions and resolve the issue. You can find out what steps you need to take to resolve the issue by contacting Clearpay customer service if you don’t understand what you need to do.

Getting Help With Your Debts

If you default on your Clearpay payments, you may be hounded by debt collection agencies such as Lowell Portfolio, PRA Group, or Global Debt Recovery. For some help with getting a collection agency to stop contacting you constantly, pop along to your local Citizens Advice Bureau (CAB). The staff have plenty of experience in helping people deal with debt. 

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

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