Laybuy Holdings (UK) Limited

Laybuy was a Buy Now Pay Later company that operated in the UK, offering consumers the ability to split purchases into six weekly payments. It was originally a New Zealand business that expanded into the UK and other markets.

Laybuy ceased its UK operations in 2023 following financial difficulties. The business is no longer accepting new transactions in the UK and has wound down its UK operations.

If you previously used Laybuy and have outstanding payments remaining, you should have received communications about what happens to your balance. If you are unsure about your position, check your email for correspondence from Laybuy or the administrator handling the wind-down.

If you believe you are owed a refund from Laybuy for a purchase that was not delivered or was returned, you should contact the retailer directly. In some cases you may be able to pursue a claim through your bank or card provider under chargeback rules.

If Laybuy is still attempting to collect payments from you following its UK closure, seek advice from Citizens Advice on your position. In some cases of company administration or insolvency, the rules around ongoing collection of debts change.

Free debt advice is available from Citizens Advice at citizensadvice.org.uk, StepChange on 0800 138 1111, or National Debtline on 0808 808 4000 if you need guidance on any outstanding Laybuy balance.