I have used Klarna for years, for when buying from companies I don’t know. I have paid my accounts promptly and never had an issue I ordered a bag from overseas, stating that I needed it for a certain date three weeks ahead. The retailer confirmed it would be delivered before I left the country I clearly told the retailer if they couldn’t deliver in three weeks to cancel the order as the house would be empty They allegedly delivered it whilst I was away and upon getting home, no product. I contacted Klarna who said they have proof of delivery, but will not send it. They have taken one payment, but refunded the other two as a ‘goodwill gesture’ I HAVE NOT RECEIVED THE ITEM AND I WANT MY MONEY BACK They keep saying contact the retailer - no response from the retailer. I have ended up paying for an item I haven’t received and no proof of delivery from Klarna I have contacted the financial ombudsman as this is now theft and fraud I would stay away from Klarna, there’s a reason this ‘company’ is running at a £99 million loss.