Sk:n – what happened?
Sk:n, one of the UK’s largest plastic surgery providers, ceased trading on 17 July 2024. The Group, which has more than 70 branches, includes Harley Medical Group, Skinbrands, The Skin Experts and ABC Medical.
It provided a range of services, including tattoo and wart removal, acne, rosacea, lip fillers and facelifts. The firm employed more than 45 consultants, doctors, nurses and medical practitioners.
On 17 July 2024 customers received the news that their appointments had been cancelled.
A sign on the Birmingham clinic stated that customers could find further details at www.sknclinics.co.uk This site now has a notice that the company has “ceased trading” and social media accounts have been closed down.
The notice also stated that the company will contact all clients still awaiting test results.
In an Instagram post Sk:n’s public relations agency, Kendrick PR, said that it had no information and stated “We are unfortunately in the same position as many staff and patients, and are sorry to have no news to share – this situation has blindsided us all.”
View this post on Instagram
What are your rights regarding Sk:n?
If you have paid by Credit Card, you will be covered by Section 75 of the Consumer Credit Act. The Credit Card company is jointly liable and should provide you with a refund if you are out of pocket. Any purchase over £100 and less than £30,000 is covered.
Gary was booked in for laser hair removal. He had 2 out of 10 sessions, for which he had to pay up front. He is currently out of pocket by about £2,000. Having not paid on credit card he says that, ironically, he chose Sk:n over a ‘one lady band’ because he felt his payment was secure with a national chain.
Purchases made on debit cards and below £100 are not covered by Section 75. Chargeback, although not part of any act of law, is a voluntary scheme based on scheme rules set by card issuers, such as Mastercard and Visa. Because it isn’t set in law, you should use the Consumer Credit Act, where possible, otherwise try using Chargeback.
You will need to make the request within 120 days of the transaction date. Bear in mind that this scheme is much less well known than Section 75 rule and so many bank staff might not be aware of it if you call or visit in person. My advice, therefore, would be always to write a letter or email.
Do not cancel any Direct Debits, as this could affect your credit score. Unfortunately you will still have to carry on paying, but do contact your bank to explain the situation and ask what they advise for your individual situation.
Administrators have now been appointed. They will provide details of your options. You can put in a claim for a refund, but you will be at the bottom of the list of creditors, may have to wait years and probably only get pennies on the pound.
If you do not get a refund from you bank using Chargeback or a Section 75, you can take the matter to the Financial Ombudsman Service, who will investigate and may award in your favour.
Further help with complaining for consumers
How to complain about financial institutions various posts to help with a number of financial problems.
Top 20 Tips How to complain effectively.
If you need more help, information and tips with how to quote Acts, template letters and advice on how to complain effectively don’t forget the GET THE BOOK! How To Complain: The ESSENTIAL Consumer Guide to Getting REFUNDS, Redress and RESULTS!
101 Habits of an Effective Complainer provides you with more tips.
Purchase and download Templates for complaining to financial institutions.
Purchase and download templates to gain redress swiftly.
