{"id":535439,"date":"2024-06-26T17:30:08","date_gmt":"2024-06-26T16:30:08","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=535439"},"modified":"2024-11-21T15:49:55","modified_gmt":"2024-11-21T15:49:55","slug":"laybuy-goes-into-administration-what-does-it-mean-for-customers","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/news\/laybuy-goes-into-administration-what-does-it-mean-for-customers","title":{"rendered":"Laybuy goes into administration: What does it mean for customers?"},"content":{"rendered":"

The buy now, pay later (BNPL) service has collapsed and customers can no longer pay for items using Laybuy.<\/h2>

BNPL provider Laybuy has gone into administration, affecting its 300,000 UK customers.<\/p>

Laybuy’s customers had previously used the service to buy goods at stores and then pay for their order over 6 weekly instalments, without paying interest.<\/p>

But New-Zealand based Laybuy has confirmed that while any customer orders already in the system will be processed, it has suspended new transactions for all its users globally.<\/p>

What does Laybuy’s administration mean for UK customers?<\/strong><\/p>

No new customers can sign up to Laybuy and existing Laybuy customers can no longer use it to buy anything.<\/p>

However, if you’re a Laybuy account holder, it’s absolutely crucial that you continue to make any repayments that you owe.<\/p>

That’s because missing a payment could mean you’re charged a late fee and you could also damage your chances of getting credit with other lenders.<\/p>

Laybuy’s late payment fee is \u00a36 after a day and a further \u00a36 every 7 days the payment is still missed, up to a cap of \u00a324.<\/p>

If your payment is more than 42 days late then Laybuy has said it may refer your case to a debt collection agency.<\/p>

Your missed payment is also likely to be reported to Experian, which is a credit reference agency (CRA). Finder last year researched BNPL services and which CRAs they report to<\/a>, along with the data they report – such as missed payments.<\/p>

Experian – one of the UK’s 3 main CRAs – told Finder today that this late payment information would then be visible on your credit report to other lenders, although it won’t affect your credit score.<\/p>

If you don’t have a great credit history, it’s worth considering whether a credit-building credit card<\/a> could help.<\/p>

About the author<\/h3>

Michelle Stevens<\/a> is a deputy editor at Finder, specialising in banking, finance, credit and mortgages. She has a journalism degree from the University of Sheffield and has been a journalist for 15 years, writing on topics including fintech, payment systems and retail. Michelle was the editor of business publications FStech and Retail Systems, and prior to that was a senior writer at People Management magazine. She is often quoted in national media.<\/i><\/p>

This article originally appeared on finder.com\/uk<\/a> and was syndicated by MediaFeed.org<\/a>. <\/i><\/p>","protected":false},"excerpt":{"rendered":"

Customers of the buy now, pay later (BNPL) service can no longer use it to buy items. 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