I ordered a Burghley armchair from Lloyd Loom of Spalding, together with a seat pad, paying £420 by bank transfer. The chair was delivered on 4 December, without the cushion. I was told there had been “a slight delay” obtaining the fabric but that it was due in early the following week and I would “definitely” receive it by Christmas. I didn’t.
I’ve now learned that Lloyd Loom has ceased trading at its premises in Spalding and machinery and tools were shipped to Romania before Christmas. The cushion cost £72.50. Not a large amount, certainly not compared with the possible losses of former employees, but can I get my money back? JME, London
Sadly, almost certainly, no. Had you paid by credit card you would have been able to claim from the card provider. As you paid by bank transfer you have no protection. Never pay by bank transfer for goods to be delivered later, for exactly this reason. At least you have the chair.
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