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The way we shop is changing, and buying now and paying later has never been easier. Purchases made through companies like Klarna and Clearpay have tripled to an estimated £2.7bn. The companies say they are revolutionising credit by helping customers spread purchases over a number of months, but debt charities are becoming increasingly concerned . Reporter Ellie Flynn investigates the Buy Now Pay Later market’s close relationship with retailers and asks is enough being done to protect customers from ending up with big bills they can’t afford.