One of the important changes in the last decade is the rise in the consumption of products and services on Buy Now Pay Later, as many low-income households are using these products to buy household items. In this month’s Debt Talk podcast, Ripon Ray discusses ‘Indebted with Buy Now Pay products’. To address this pressing subject, Sean Breen from the  Consumer Council for Northern Ireland and Gulsah T from Bromley Citizens Advice Bureaux Limited highlight some of the issues faced by communities struggling with buy-now-pay-later products and services. Sean Breen , Director of Financial and Postal Service from the Consumer Council for Northern Ireland , explains that, based on their research, most consumers are from low-income households. They are already struggling with their finances and must be made aware of the consequences of non-payment, such as not being covered by the Financial Ombudsman Service Compensation Scheme. Many of them are also prone to being attracted to...