Laybuy works with third parties when payments become severely overdue. We take this step as a last resort and only after repeated requests for payment have not led to a resolution.

In New Zealand, Laybuy works with three companies: DebtManagers, InDebted, and Receivables Management Limited (RML), and debt from different orders may be with more than one of these companies. You will have received communication from both Laybuy and the third party when the debt was transferred. Contact information for all three companies is below.

Balances with DebtManagers have been sold, and Laybuy is no longer the legal owner. Balances with InDebted or RML are still legally owned by Laybuy but all collection activity is now with the third party. In all cases, Laybuy will no longer accept payment, and you should work with the third party to settle your debt.

If you dispute the debt, you will need to raise this with the third party, and they will work with us as necessary to resolve the situation.

When a Laybuy account is passed to a third party, it is also automatically deactivated. As a result, you will no longer be able to make purchases with Laybuy, even when the outstanding debt is settled.

This process only affects customers who are using Laybuy in New Zealand.