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Buy Now Pay Later Refund Not Reflected in My Instalments

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Write a message to a pay-later provider because a refunded purchase still shows instalments due, showing the refund confirmation.

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Write a message to a pay-later provider because a refunded purchase still shows instalments due. Inputs I will provide: provider [PAY_LATER_PROVIDER], merchant [MERCHANT_NAME], order and plan numbers [ORDER_AND_PLAN], amount and instalments [AMOUNT_AND_INSTALMENTS], date the merchant confirmed the refund [REFUND_DATE], payments I have made [PAYMENTS_MADE], what the provider replied [PROVIDER_REPLY].

The letter should show the refund confirmation, list the payments made, and ask the provider to confirm the plan is cancelled, to refund payments, and to remove late fees and any credit reporting.

Documents that usually matter: The merchant's refund confirmation, order record, instalment schedule, bank statements, and chat history with both parties. Reasonable asks: Cancellation of remaining instalments, a refund of any amount paid beyond the net price, removal of late fees, and written confirmation. The usual pushback: Providers may say the merchant must send the refund first; reply by sending the merchant's confirmation and asking for the date the funds were received.

Begin with a timeline table for the buy now pay later refund not reflected in my instalments (date, event, source document), flag the gaps, and then keep every date in the letter consistent with it. Provide the letter itself plus a 50-word cover note, then the steps to take for silence or refusal (ask the provider, then the merchant to confirm, then the financial complaint route), and a list of exhibits (refund confirmation, instalment schedule, statements, chat). Submit it online first, since many organizations log portal filings, and save the confirmation number and a dated screenshot and note their stated response time.

Invent no statute or deadline; use [JURISDICTION] and [RELEVANT_LAW_OR_POLICY_IF_KNOWN] only as I give them, and add a line telling me to confirm the rules with a professional or consumer agency. Write this in my own voice as a private individual, without posing as counsel. Make it steady, civil and clear, threatening nothing beyond lawful steps, put the date from [DEADLINE] on any request, and say where an outcome is uncertain. This is drafting help, not legal advice.

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Hello,
Plan 88120 covers a 240 jacket bought from StyleBox in four instalments of 60. I returned the jacket and StyleBox confirmed a refund on 2 March (screenshot attached). I had already paid two instalments, 120 in total, but the app still shows two due and a 5 late fee.
Please cancel the remaining instalments, refund the 120 I paid once StyleBox's refund reaches you, remove the late fee and confirm that nothing will be reported as late. I would like a written reply by 20 March.

• bnpl