No payout for bride left without dress

Southend Standard: No payout for bride left without dress No payout for bride left without dress

A BRIDE-TO-BE who bought her dream dress from a shop which then suddenly closed has been hit with a second blow after her wedding insurer refused to pay out.

Lucy Wilcox, 26, lost £1,300 and the promise of four dresses when Fabulous Brides by Layla, in Hamlet Court Road, Westcliff, ceased trading earlier this month.

Miss Wilcox, who has a son Kai, seven, had paid on a debit card for two bridesmaid dresses, a dress for herself for her registry office ceremony and a bespoke tafata gown for a Pagan handfasting ceremony.

But when the shop closed, her dream wedding in Brentwood on October 29 was left in tatters.

Her fiance, Jonathan Valentine, 23, said: “We are livid.

“She went to the shop and it was empty then we were told about the story in the Echo.

“My fiancee is under enough stress organising a wedding, working full time and she has ME. This affected her badly and left her with no energy and for two days she could barely function.

“Then, when we tried to claim through our wedding insurance, we were told unless we could prove the firm had gone out of business and was insolvent rather than just not trading our claim would not be covered.

“Their search found the shop is still registered as active with Companies House.

“It’s just devastating. We want to warn other couples to make sure their wedding insurance policy covers for all possibilities not just insolvency of suppliers.”

The couple are furious the policy wording was not clearer.

They have since discovered their insurer had not searched the individual insolvency register, only Companies House.

Layla Ringwood, who set up the shop in September last year, is listed on the website as bankrupt and her case was listed at Southend County Court on October 8.

Miss Wilcox and Mr Valentine are now waiting to hear back from their insurer.

The Echo reported earlier this month how Melissa Drake, 33, paid £950 for her gown from Fabulous Brides by Layla, but the shop was shut when she went for her first fitting.

An answerphone message at the shop states it has had to cease trading: “Due to unforeseen circumstances and health reasons.”

However Mr Valentine, of West Street, Southend, questioned this.

He said: “About two months before she had a cancer scare, but then said everything was fine and back to normal.

“Thanks to the wonderful people at Chantilly Lace they have saved our wedding with a new dress, but the original dress was a gift from family and the money has been lost.”

Comments (16)

Please log in to enable comment sorting

7:54am Tue 15 Oct 13

Thames Gateway says...

If you love each other, put it behind you and get married anyway. You don't need fancy clothes to do that.
If you love each other, put it behind you and get married anyway. You don't need fancy clothes to do that. Thames Gateway
  • Score: 14

9:18am Tue 15 Oct 13

Barry Bas says...

There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.
There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from. Barry Bas
  • Score: 11

11:15am Tue 15 Oct 13

rayleigh123 says...

Barry Bas wrote:
There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.
I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased,



.
[quote][p][bold]Barry Bas[/bold] wrote: There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.[/p][/quote]I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased, . rayleigh123
  • Score: 8

12:15pm Tue 15 Oct 13

Britanniaman says...

Things happen for a reason maybe its god saying to you both don't get married:)
Things happen for a reason maybe its god saying to you both don't get married:) Britanniaman
  • Score: -19

12:29pm Tue 15 Oct 13

maddriver says...

Britanniaman wrote:
Things happen for a reason maybe its god saying to you both don't get married:)
Stupid comment!
[quote][p][bold]Britanniaman[/bold] wrote: Things happen for a reason maybe its god saying to you both don't get married:)[/p][/quote]Stupid comment! maddriver
  • Score: 20

1:21pm Tue 15 Oct 13

DogsMessInLeigh says...

rayleigh123 wrote:
Barry Bas wrote:
There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.
I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased,



.
She used a debit card....its differant.

and why do people always find a better shop after they have been ripped off.
[quote][p][bold]rayleigh123[/bold] wrote: [quote][p][bold]Barry Bas[/bold] wrote: There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.[/p][/quote]I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased, .[/p][/quote]She used a debit card....its differant. and why do people always find a better shop after they have been ripped off. DogsMessInLeigh
  • Score: 4

2:11pm Tue 15 Oct 13

exBillericayDicky says...

Annoying and sad news for the couple.

Buying something like this on a Debit Card is an error. Always use a Credit Card, you can claim back from it a whole lot easier than a Debit.
Also, if it is bankrupcy the couple need to ensure they are on the list of creditors, they may not get all their money back but hopefully some
Annoying and sad news for the couple. Buying something like this on a Debit Card is an error. Always use a Credit Card, you can claim back from it a whole lot easier than a Debit. Also, if it is bankrupcy the couple need to ensure they are on the list of creditors, they may not get all their money back but hopefully some exBillericayDicky
  • Score: 4

2:35pm Tue 15 Oct 13

emcee says...

Quote: “Then, when we tried to claim through our wedding insurance, we were told unless we could prove the firm had gone out of business and was insolvent rather than just not trading our claim would not be covered."
-
It seems this could be classified to be an "unfair" clause in the policy (or small print). I would appeal the decision and then, if I got no joy, make a formal complaint to the insurance company. If all else fails there is always the Financial Ombudsman Service. This insurance company, like most other insurance companies, will say or do anything to try not to payout and this excuse reeks of the insurance company manipulating a clause to suit.
Quote: “Then, when we tried to claim through our wedding insurance, we were told unless we could prove the firm had gone out of business and was insolvent rather than just not trading our claim would not be covered." - It seems this could be classified to be an "unfair" clause in the policy (or small print). I would appeal the decision and then, if I got no joy, make a formal complaint to the insurance company. If all else fails there is always the Financial Ombudsman Service. This insurance company, like most other insurance companies, will say or do anything to try not to payout and this excuse reeks of the insurance company manipulating a clause to suit. emcee
  • Score: 9

3:49pm Tue 15 Oct 13

rayleigh123 says...

DogsMessInLeigh wrote:
rayleigh123 wrote:
Barry Bas wrote: There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.
I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased, .
She used a debit card....its differant. and why do people always find a better shop after they have been ripped off.
Debit cards use chargwback

Credit cards use section 49 refunds



.
[quote][p][bold]DogsMessInLeigh[/bold] wrote: [quote][p][bold]rayleigh123[/bold] wrote: [quote][p][bold]Barry Bas[/bold] wrote: There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.[/p][/quote]I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased, .[/p][/quote]She used a debit card....its differant. and why do people always find a better shop after they have been ripped off.[/p][/quote]Debit cards use chargwback Credit cards use section 49 refunds . rayleigh123
  • Score: 4

4:57pm Tue 15 Oct 13

Rouge9 says...

emcee wrote:
Quote: “Then, when we tried to claim through our wedding insurance, we were told unless we could prove the firm had gone out of business and was insolvent rather than just not trading our claim would not be covered." - It seems this could be classified to be anNo, it's called reading the policy document. If it is a fair claim, then the Insurance company should pay up, but if the claim goes against the policy wordingthen they have a right to refuse it.
If the company just closed down, then you make a claim against the owners Business liabilities policy, or, the owner themselves. It is all down to the wording.
[quote][p][bold]emcee[/bold] wrote: Quote: “Then, when we tried to claim through our wedding insurance, we were told unless we could prove the firm had gone out of business and was insolvent rather than just not trading our claim would not be covered." - It seems this could be classified to be anNo, it's called reading the policy document. If it is a fair claim, then the Insurance company should pay up, but if the claim goes against the policy wordingthen they have a right to refuse it. If the company just closed down, then you make a claim against the owners Business liabilities policy, or, the owner themselves. It is all down to the wording. Rouge9
  • Score: 2

5:37pm Tue 15 Oct 13

Baker-Boy says...

Put a statutory demand for you money at the register office of the money. If no joy and you got a spare few hundred pounds petition for the winding up of the company then the company will be insolvent or u would have been paid
Put a statutory demand for you money at the register office of the money. If no joy and you got a spare few hundred pounds petition for the winding up of the company then the company will be insolvent or u would have been paid Baker-Boy
  • Score: 0

5:38pm Tue 15 Oct 13

Baker-Boy says...

Could have saved 20pounds by not buying those magazines on your lap
Could have saved 20pounds by not buying those magazines on your lap Baker-Boy
  • Score: 4

11:26am Wed 16 Oct 13

DogsMessInLeigh says...

rayleigh123 wrote:
DogsMessInLeigh wrote:
rayleigh123 wrote:
Barry Bas wrote: There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.
I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased, .
She used a debit card....its differant. and why do people always find a better shop after they have been ripped off.
Debit cards use chargwback

Credit cards use section 49 refunds



.
But you said charge back on a Barclaycard which is a credit card.
[quote][p][bold]rayleigh123[/bold] wrote: [quote][p][bold]DogsMessInLeigh[/bold] wrote: [quote][p][bold]rayleigh123[/bold] wrote: [quote][p][bold]Barry Bas[/bold] wrote: There is a scheme called Chargeback where you can claim through your bank for situations like this. It is a bit like the deal with credit cards but unlike credit cards it is not a legal requirement. If I was them I would take a look at the Money Saving Expert website for more details, that is where I got the above info from.[/p][/quote]I had a similiar problem and i claimed Chargeback on my Barclaycard - filled a simple form in and got all of money back in 35 days - really pleased, .[/p][/quote]She used a debit card....its differant. and why do people always find a better shop after they have been ripped off.[/p][/quote]Debit cards use chargwback Credit cards use section 49 refunds .[/p][/quote]But you said charge back on a Barclaycard which is a credit card. DogsMessInLeigh
  • Score: 0

11:49am Wed 16 Oct 13

BlondieG says...

Hi just to say debit cards now have chargeback rights too just contact your bank you should be covered - good luck to you both
Hi just to say debit cards now have chargeback rights too just contact your bank you should be covered - good luck to you both BlondieG
  • Score: 1

9:33pm Wed 16 Oct 13

DogsMessInLeigh says...

Its been bugging me where i seen the groom before.....its just come to me


Look into my eyes, look into my eyes, the eyes, the eyes, not around the eyes, don't look around my eyes, look into my eyes, you're under.
Its been bugging me where i seen the groom before.....its just come to me Look into my eyes, look into my eyes, the eyes, the eyes, not around the eyes, don't look around my eyes, look into my eyes, you're under. DogsMessInLeigh
  • Score: 2

9:14am Thu 17 Oct 13

Britanniaman says...

maddriver wrote:
Britanniaman wrote:
Things happen for a reason maybe its god saying to you both don't get married:)
Stupid comment!
yes i admit was a stupid comment but was fed up reading about stupid people giving over this sort of money with out receiving there items on Hamlet court road you could easy rent a shop for 1 month very cheap put load
wedding dresses take a load cash in full as it seems then close up.
[quote][p][bold]maddriver[/bold] wrote: [quote][p][bold]Britanniaman[/bold] wrote: Things happen for a reason maybe its god saying to you both don't get married:)[/p][/quote]Stupid comment![/p][/quote]yes i admit was a stupid comment but was fed up reading about stupid people giving over this sort of money with out receiving there items on Hamlet court road you could easy rent a shop for 1 month very cheap put load wedding dresses take a load cash in full as it seems then close up. Britanniaman
  • Score: 0

Comments are closed on this article.

click2find

About cookies

We want you to enjoy your visit to our website. That's why we use cookies to enhance your experience. By staying on our website you agree to our use of cookies. Find out more about the cookies we use.

I agree