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Reclaim from company in liquidation
Mrs_martin
Posts: 8 Forumite
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!
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!
0
Comments
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If they're in administration it's very unlikely you'll get anything back.0
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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.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
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.0
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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.0 -
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?0 -
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.0 -
Even though they just offered the finance?0
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Mrs_martin wrote: »Even though they just offered the finance?
That's all that credit cards do.
The clinic offered you the finance?0 -
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 affordableSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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So I stand a good chance if I contact the finance company?0
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