Shoppers' catalogue of trouble; Cash point.
NATIONAL Debtline received record numbers of phone calls from people struggling with debts to catalogue companies last year.
Debt charity the Money Advice Trust, which runs the helpline, revealed it took more then 25,000 calls in 2011, and 7,000 in the last four months.
Catalogue debt is the fifth most common problem dealt with by National Debtline, ahead of mortgages, rent and payday loans.
Joanna Elson, Money Advice Trust's chief executive, said: "Catalogue debts go largely unmentioned in public these days, but advisers at National Debtline hear from nearly 100 people every day. We get more calls on catalogue debts than on things like payday loans.
"When buying from a catalogue, people don't realise they are signing a consumer credit agreement.
"This means the debt is enforceable in the courts. Additionally, many people don't realise that missing a payment on a catalogue debt will usually invalidate any special low or 0% interest deal."
If you're struggling with repayments on catalogue or other debts, don't ignore the problem.
The sooner you get help the easier it will be to deal with.
Get free advice from the National Debtline on 0808 808 4000. Alternatively, contact your local Citizens Advice Bureau or call The Consumer Credit Counselling Service on 0800 138 1111.