Buy no, pay later schemes like Klarna and Clearpay have surged in recent years, with people in the UK spending £5.6bn in the first six months of 2022 alone.

A YouGov poll commissioned by anti-debt charity StepChange in 2021 found that 49% of people of those with a BNPL loan find it difficult to keep up with household bills and credit repayments.

We want to hear from you. Have you used a buy now, pay later scheme? What things do you use them for? Do you have trouble repaying amid the cost of living crisis? Have you been hit with high borrowing costs if you fail to make a payment?