Octopus Energy

Get an Exclusive NordVPN deal here https://nordvpn.com/DanielShenSmith It’s risk-free with Nord’s 30-day money-back guarantee! I got sued video: https://youtu.be/zWueA8na5Qo Explaining the real risks of pay in 3 and other staged payment / Buy Now Pay Later schemes in the UK. Many of these plans remove Section 75 protection from your credit card – even if you pay part of the purchase with it – because low credit limits force large upfront payments. Covers how the payments actually work (manual unless you set up Direct Debit), why missing a full instalment can lock you into high interest (e.g. 29.9% APR) permanently, and what changes when new BNPL rules bring Section 75 joint liability and affordability checks to third-party providers from July 2026 under the Consumer Credit Act. Practical advice on protecting purchases over £100 and whether paying directly by credit card gives better coverage. For shoppers in England and Wales. #PayIn3 #Section75 #BuyNowPayLater #BNPL #ConsumerCreditAct #StagedPayments Free £50 when you switch energy suppliers: https://share.octopus.energy/happy-human-326 Description may contain affiliate links; I will occasionally earn commissions from qualifying purchases or leads generated. IMPORTANT DISCLAIMER: I'm a Barrister of England and Wales and qualified mortgage adviser. Videos for educational guidance only, Always seek advice before taking action. Videos on my channel are not legal or financial advice and should not be taken as such. I accept no liability for any reliance placed upon the content of these videos or references, therein.