'It was either BNPL or 餓死する': 国民s' Advice 警告するs of Buy Now, 支払う／賃金 Later 負債 罠（にかける） as one in twelve now use short-称する，呼ぶ／期間／用語 credit to cover groceries

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Buy now, 支払う／賃金 later is often advertised as a way of 延期するing 支払い（額）s on 着せる／賦与するs or gadgets, but a 主要な UK charity has 報告（する）／憶測d a 関心ing rise in people using the short-称する，呼ぶ／期間／用語 credit for food shopping.

One in twelve Britons are now using BNPL to cover everyday 必須のs, によれば 国民s' Advice, with 攻撃を受けやすい adults relying on the service most.?

It also 設立する that young adults, those in 負債 and those on 全世界の／万国共通の Credit were twice as likely to use BNPL for 必須のs than the general public.?

BNPL 計画／陰謀s are now 申し込む／申し出ing higher credit 限界s without credit checks - leaving the financially 攻撃を受けやすい at 危険 of 落ちるing into 重要な 負債, says 国民s Advice

The charity said its frontline 助言者s had 報告（する）／憶測d 増加するd use of BNPL services, which 含む Klarna, Clearpay and Laybuy.

It said there were examples where p arents had used the 延期するd 支払い（額） 計画／陰謀s to buy baby 着せる／賦与するs while waiting for a 利益 支払い（額）, for example, and that those in 負債 were using BNPL to do food shops.

Some 会社／堅いs 申し込む／申し出ing the BNPL 支払い（額）s are also 接触するing 顧客s, some of whom are 攻撃を受けやすい, to tell them they can 増加する their credit 限界s by hundreds or even thousands of 続けざまに猛撃するs.

国民s' Advice gave the example of a pensioner, Audrey, who used BNPL for her £40 food shop when she was running low on 基金s.?

にもかかわらず struggling to 返す her 負債, it said the provider had since 砲撃するd her with 申し込む／申し出s to borrow hundreds of 続けざまに猛撃するs more.

The pensioner said: 'It was either use BNPL or 餓死する, so I used it.?

'I sort of knew I would struggle to ma ke the 返済s but I did not have any other way of getting food. I bought canned food as they are 非，不，無-perishable and would last me longer.

'I have been struggling to 返す the money. They 絶えず 悩ます me, calling me for 支払い（額）s. It's really stressful as if I could afford to 支払う／賃金 it 支援する straight away, I would.

'This company also sends me texts and emails 申し込む／申し出ing £100 credit and even £500. It makes no sense as I can't even manage to 返す £40, how would I 返す £100 or even £500?'

'I've been 群れているd with 申し込む／申し出s of higher credit 限界s'?

Younger 顧客s are also 存在 申し込む／申し出d the higher credit 限界s.

吊りくさび, 28, who 作品 at a 合法的な start-up in London said he had been 申し込む／申し出d a credit 限界 of up to £2,000 through one BNPL provider.

He said: 'I used a buy now, 支払う／賃金 later service to help buy some furniture when I moved house last year. It's an expensive 過程, and I just 手配中の，お尋ね者 to 分裂（する） the cost of a couple of items over a three-month period.

Credit cards have the advantage of section 75 購入（する） 保護, 同様に as having the 可能性のある to 改善する a person's credit 得点する／非難する／２０ if used responsibly

'Since then, I have been 群れているd with 申し込む／申し出s and notices of 増加するd credit 限界s as the providers are trying to get me to use their services again.?

'I worked with StepChange a few years ago to help （疑いを）晴らす my 賭事ing 負債s, so I'm very 用心深い of how I spend and where I lend from in the 未来. This whole thing seems very predatory for those who may be struggling with their 財政／金融s.

'If I'd still been in thousands of 続けざまに猛撃するs in 負債 when these services were popular, I 疑問 I'd have ever （疑いを）晴らすd it.?

'These companies don't know my history so I don't think its 権利 that they should be 申し込む／申し出ing such high credit 限界s when they don't know if the person borrowing is able to 返す them comfortably.?

A pensioner has 報告（する）／憶測d 存在 砲撃するd with 申し込む／申し出s of higher credit 限界s by a buy now, 支払う／賃金 later provider - にもかかわらず struggling to 返す her 初期の 負債 (image 提起する／ポーズをとるd by model)

国民s Advice has been calling for 緊急の 規則 of the 部門, 含むing for 一貫した, market-wide affordability checks and for BNPL 会社／堅いs to make the consequences?if things go wrong clearer for 消費者s.?

Dame Clare Moriarty, 長，指導者 (n)役員／(a)執行力のある of 国民s Advice, said: 'The fact that people are turning to buy now 支払う／賃金 later for their groceries really 大打撃を与えるs home the 緊急の need for 産業 規則.

'As living costs spiral, we 恐れる more people in desperate 状況／情勢s will see this unregulated form of credit as the answer.

'The 政府 must keep pace with these 会社／堅いs and 確実にする 消費者s are 保護するd.'

一方／合間, Gillian Percival, a 利益s caseworker at 国民s Advice Copeland, 追加するd: 'Buy Now 支払う／賃金 Later is a 二塁打-辛勝する／優位d sword.?

'It can be useful if you understand what you're getting into, but if you're using it out of desperation you probably have no way to 返す.

'We try to help people with food bank and 燃料 保証人／証拠物件s, but some people are embarrassed to ask for help if they're struggling. If they use buy now 支払う／賃金 Later they're invisible.?

'They don't need to speak to anybody, with a few clicks they can borrow instead. They can 解決する their problems すぐに without having to worry about the consequences.'??

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