Anne-Marie Q.

I have paid over $4000 in instalments. I asked for a balance and was told I only had half that amount.

I spoke to a worker who then looked into it and then said I was right I had over $4000 in credit. She left the company and when I went to use my credit, (3 years ago!) again was told I only had half that amount in credit.

For the past 3 years I've been back and forth. Screen shotted all my instalments. Again they finally admitted what the previous worker confirmed, that I had over $4000 in credit.

I no longer trusted that they had an accurate record of my payments and said I wanted to cancel my orders and obtain a refund because of their mistakes.

They wanted to charge me almost half that amount in cancellation fees. I went to a complaints system and in their words "as a gesture of good will they were prepared to charge me only just over $1000 in fees.

I am a single Mum to 3 kids, one with health issues. Needless to say there were many times over the years I could have used that money on essentials.

I forwarded the email from the complaints system and said I would take them up on their offer and after multiple emails and getting in touch again with the complaints system Laybyland will not respond to me.

Do not use this company. Their customer service is unprofessional, rude and happy to take your money but unwilling to help their customers.

I paid $4200 for absolutely nothing. I would have been better off keeping it in the bank. These companies prey on pensioners as sometimes this is the only way for us to purchase big ticket items.