Reclaim from company in liquidation

Mrs_martin

Help

I paid for some laser hair removal using Omni capital. I paid in full and on time and incurred no extra fees etc.

I was ready to make an appointment and then found that the company based in leeds is in administration and a company has taken it over. They are saying on their website that it may be possible to try to claim but can’t guarantee a refund. I have tried to contact them in the small chances I het whilst I am at work but messages aren’t responded to and they are closed on weekends and when I finish work.

As I didn’t pay by credit card but I did pay in full and they haven’t been able to offer me the service I have paid for how likely am I to gain a refund?
I have all my paper work and details that I have paid in full.

Please help!

[Deleted User]

If they're in administration it's very unlikely you'll get anything back.

dunstonh

how likely am I to gain a refund?

If its gone into administration then that usually means not enough money to pay the liabilities. You become a liability. However, HMRC take priority over you. So, as you are asking about odds, you need to be prepared for somewhere between nothing and pennies.

Mrs_martin

The company atill has other bramches open and is saying that you can transfer your treatments to one of those. These are too far away. I was hoping this would improve my chances of a refund.

antrobus

Mrs_martin wrote: »

Help

I paid for some laser hair removal using Omni capital. I paid in full and on time and incurred no extra fees etc.

....

Omni Capital Retail Finance appear to be a lender.
http://www.omnicapitalretailfinance.co.uk/

Are you saying that you paid for your laser treatment with company x by signing up or finance with Omni?

If so, and company x has gone into administration, section 75 is your friend.

Mrs_martin

Are you saying that you paid for your laser treatment with company x by signing up or finance with Omni?

If so, and company x has gone into administration, section 75 is your friend.

yes that’s exavtly ir. i gotfinance to payfof it through them! What’s section 75?

antrobus

Mrs_martin wrote: »

Are you saying that you paid for your laser treatment with company x by signing up or finance with Omni?

If so, and company x has gone into administration, section 75 is your friend.

yes that’s exavtly ir. i gotfinance to payfof it through them! What’s section 75?

Section 75 Consumer Credit Act 1974

Explained here
https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases/

Pay for something costing between £100 and £30,000 on credit and the provider's equally liable if something goes wrong.

I'd say there was a distinct possibility that Omni Capital Retail Finance are liable.

Mrs_martin

Even though they just offered the finance?

antrobus

Mrs_martin wrote: »

Even though they just offered the finance?

That's all that credit cards do.

The clinic offered you the finance?

Nasqueron

antrobus wrote: »

That's all that credit cards do.

The clinic offered you the finance?

It's quite common with stuff like that and laser eye surgery at least with the bigger firms to offer treatment on finance to make it seem more affordable

Mrs_martin

So I stand a good chance if I contact the finance company?