Question I’ve bought something with clear pay I pay £50 a month for 4 months out of curiosity if I miss a month ( I won’t) and then pay the amount I owe like 4 weeks later what would happen?

The clearpay website says "Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to a debt collection agency"