調印するs Aussie buy now, 支払う／賃金 later 巨大（な） was struggling after its shock 終結 leaves more than 500,000 JB Hi-Fi, The Good Guys, Harvey Norman and Kogan 顧客s in the lurch
- LatitudePay told 顧客s it was shutting 負かす／撃墜する Friday
- Buy now, 支払う／賃金 later service was 利用できる at 5,000 retailers
- 崩壊（する） comes after 使用者s left bad reviews over six months?
Popular buy now, 支払う／賃金 later service LatitudePay was inundated with （民事の）告訴s from angry 顧客s in the weeks before its 崩壊（する）, it has 現れるd.?
In an email to 顧客s on Friday, the 会社／堅い?明らかにする／漏らすd it was shutting up shop from April 11, 衝撃ing more than 500,000 Australians.
LatitudePay was 利用できる at more than 5,000 retailers across Australia, 含むing Kogan, JB Hi-Fi, The Good Guys and Harvey Norman.?
The service 許すd 顧客s to spread the 購入（する） cost of 製品s over 10 週刊誌 利益／興味-解放する／自由な 支払い（額）s.?
Its 崩壊（する） appeared to come out of nowhere, however, it has now been 明らかにする／漏らすd that fed-up 顧客s were 定期的に leaving angry comments and bad reviews for the 会社／堅い in the six months before it の近くにd 負かす／撃墜する.?
Popular buy now, 支払う／賃金 later service LatitudePay has 発表するd it is の近くにing 負かす／撃墜する from April 11, 衝撃ing more than 500,000 顧客s who use it
にもかかわらず 持続するing an 普通の／平均（する） 顧客 率ing of 3.5 星／主役にするs on productreview.com.au, the last 20 or so reviews all gave the company one 星／主役にする.?
顧客s also 地位，任命するd scathing comments 需要・要求するing refunds.?
One review said: '顧客 Service is 無 - if you receive an 自動化するd call they will timeout then 需要・要求する you call them.
'Steer （疑いを）晴らす, there are far far far better providers out there.'
Another said: 'The app is 近づく impossible to use. LatitudePay are taking their time to refund something yet happy for me to get something on there.'
LatitudePay 発表するd it was shutting 負かす／撃墜する in the email sent to 顧客s on Friday.?
'Any balances 借りがあるing will continue to be debited from your debit or credit card as usual until the balance is repaid in 十分な,' the email said.
'Once your total 量 借りがあるing has been paid in 十分な, we will の近くに your account. You don't need to take any 活動／戦闘 to の近くに.'
LatitudePay's owner, Latitude 財政上の Services, said it の近くにd the service after an 広範囲にわたる review.
'Buy now 支払う／賃金 later has 達成するd its 目的（とする） by attracting more than half a million 顧客s to Latitude but is an immaterial part of the 商売／仕事, 代表するing だいたい 0.3 per cent of receivables,' it said.
'Given this, and as a consequence of the 不確定 surrounding the 未来 regulatory 環境, Latitude believes now is the 権利 time to 出口 the 部門.'
The 終結 of LatitudePay comes just a week after a separate buy now, 支払う／賃金 later company went under.
Openpay entered receivership after a 悲惨な three months saw the company lose $18million.
The 脅し of 規則 bursting the buy now, 支払う／賃金 later 泡 remains ever-現在の, as the 政府 looks to stop 消費者s racking up 負債s they can't 支払う／賃金 支援する.
In a submission to a 財務省 review into the 部門, 法人組織の／企業の regulator ASIC last week 支援するd new 支配するs that would 支配する these companies to the same lending 支配するs as banks and credit card providers.
Openpay's 崩壊（する） 影響する／感情d major retailers 含むing Bunnings 倉庫／問屋, online marketplace Kogan.com, Officeworks, スポットライト and 着せる／賦与するing 蓄える／店 Glue.
Australian buy now, 支払う／賃金 later company Openpay has gone under after a 悲惨な three months saw the company lose $18million
Receivers from insolvency 会社／堅い McGrathNicol are yet to 確認する whether these retailers will get their money 支援する, while 顧客s will still have to 支払う／賃金 off their 負債s in instalments.
Openpay's most 最近の 年４回の 報告（する）／憶測 showed it had 苦しむd $18.2million in operating losses, and a $38million loss over the last two ４半期/4分の1s leaving it with just $17million in cash 同等（の）s.
It had also failed to turn a 利益（をあげる） since it was 名簿（に載せる）／表（にあげる）d on the 株式市場 in 2019, and its 拒絶する／低下する saw it pull its 商売／仕事 out of the UK.
Openpay had also tried to sell its US 支店 as it 戦う／戦いd 財政上の woes.
The company had 的d 顧客s making higher-valued 処理／取引s, 含むing for healthcare services with Bupa Dental, one of its retailers.
While running a 類似の service to Af terpay, which is 価値（がある） $14.8billion, Openpay was valued at $45.4million.
Daily Mail Australia has 接触するd LatitudePay for comment.??
CRACKDOWN ON AUSTRALIA'S BOOMING BUY NOW, PAY LATER INDUSTRY IS COMING?
消費者 利益／興味 groups want buy now 支払う／賃金 later providers to be 支配する to the same stringent lending 法律s as 従来の credit providers.
The 政府 is looking to 規制する buy now 支払う／賃金 later (BNPL) 製品s to stop 消費者s racking up 負債s they can't 支払う／賃金 支援する and has 招待するd submissions into three 改革（する） 選択s recommended by 財務省.
消費者 groups have joined 軍隊s to 勧める the 政府 to 可決する・採択する the toughest of the three 選択s, which would see BNPL 製品s 扱う／治療するd the same way as other credit 製品s.
'We're not asking for anything special - just that buy now, 支払う／賃金 later plays by the same 支配するs as everybody else that lends money to 消費者s, 含むing the 義務 to lend 安全に,' CHOICE 長，率いる Alan Kirkland said.
消費者 groups say the other two 選択s - 支えるing the 産業's self regulatory code with credit checks, or 部分的に／不公平に bringing BNPL into the 伝統的な credit 法律s and introducing more modest lending 支配するs - would not be enough to stop the 財政上の 製品s （打撃，刑罰などを）与えるing 害（を与える）.
'BNPL is credit, plain and simple, so it needs to be 規制するd in the same way as other credit 製品s to 供給する people with 適する 保護（する）／緊急輸入制限s,' 財政上の Counselling Australia 長，指導者 (n)役員／(a)執行力のある officer Fiona Guthrie said.
調印 up to a 'buy now, 支払う／賃金 later' account could soon 要求する the same 財政上の checks as getting a credit card?
Ms Guthrie said 財政上の counsellors were 報告（する）／憶測ing a 殺到する in 財政上の 強調する／ストレス 原因（となる）d by the 財政上の 製品s.
'People are having to forgo other 必須の items ーするために 支払う／賃金 their BNPL 負債s,' she said.
A RateCity 調査する 設立する 41 per cent of the BNPL 使用者s had ended up in some 肉親，親類d of 財政上の 苦しめる from using the 壇・綱領・公約, 含むing 18 per cent that had 行方不明になるd mortgage 返済s or other 法案s to 会合，会う their 負債 かかわり合いs.
消費者 活動／戦闘 法律 Centre 長，指導者 (n)役員／(a)執行力のある officer Gerard Brody said one of the 問題／発行するs with BNPL is that direct debits prioritise 返済s over other expenses.
'The practice of providers 否定するing service 接近 to t 靴下／だます that 落ちる into arrears can also have perverse 衝撃s, as people 答える／応じる by prioritising 返済s so they don't get kicked off the app.'
He said these design features were disguising 財政上の 苦しめる as providers could 報告（する）／憶測 low 率s of default.
At the moment, the 産業 is self 規制するd 経由で a voluntary code of practice. Several providers have 調印するd up to the code, but many newer players have not.?
財政上の Services 大臣 Stephen Jones said the 支払い（額） method was operating outside of 'normal' credit 法律s and 上陸 'a lot of people into hot water'.
He said at 最小限, the 政府 was considering putting in place credit checks.?The credit checks 存在 considered for would-be account 支えるもの／所有者s would be 類似の to what is needed to get a credit card where companies 成し遂げる the checks.
'The number that surprised me, there's only seven million buy now, 支払う／賃金 later accounts in Australia ? most of them for people between the ages of 20 and 35. The thing is, though, a lot of people have got not one, not two but three or four accounts,' Mr Jones said.
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