Creditor, lender or debt-collection entity

Klarna

Independent information about Klarna UK missed payments, financial-difficulty support, regulated BNPL credit and complaints.

Klarna provides Pay in 3, Pay in 30 and other payment products in the UK. From 15 July 2026, deferred payment credit such as Pay in 3 and Pay in 30 became FCA-regulated. If you cannot pay on time, use Klarna’s financial-difficulty support rather than ignoring the payment, because continued non-payment can lead to collection activity and affect access to future credit.

What role does Klarna have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Klarna Financial Services UK Limited is registered in England and Wales under company number 14290857. Klarna identifies it as FCA-authorised and regulated for consumer credit under reference 987889 and for e-money services under reference 1021834.

Klarna Financial Services UK Limited is FCA-authorised and regulated for consumer credit under reference 987889. UK deferred payment credit regulation took effect on 15 July 2026.

Contacting Klarna

Use the Klarna app or official customer-service channels to manage payments, request support or discuss financial difficulty.

If you want to complain

Klarna publishes a formal complaints process. Referral rights depend on the product involved, and its final response explains the applicable route, including Financial Ombudsman Service rights for products within that jurisdiction.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Klarna. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.