Funds Raised


Final AER


Loan term


Auction Closed


Recovery News
This loan may be behind with its repayment schedule and so microloan trading has been suspended while we work to help the business recover its repayment form. Please see the Loan Updates tab for recent updates.

About the Business

Company Name: LUXURY LADY LIMITED Company Number: 09721896
Business Type: Other Years Trading: 2-3 years
Business Location: Birmingham

About the Risk

Risk rating


Default rate


Bad debt rate


About the Security

Security Offered:

Personal Guarantee - PG from Mr Huss-Smickler

Est. Equity: 0.00

Risk Indicators Identified:

Below Average Business Credit Rating
A 3rd party credit rating agency has indicated that this business is above average risk.
High Debt-to-Equity Ratio
This company has a higher than average level of company debt in relation to its equity

Important Files

Who are we?

Luxury Lady Ltd t/a ChinUp Mask (LL) is the revolutionary new at-home beauty treatment that can improve the appearance of a double chin by over 2cm+ in only one 30 minute treatment. Simple, affordable and safe, the ChinUp Mask lifts and firms around the face area to give a more contoured looking jawline. Loved by celebrities, the media and most importantly the customer, ChinUp Mask aims to give people the confidence and happiness that they often seek with cosmetic surgery but without the pain, risk or cost.

For years, the director read statistics and studied reports that always came to the same conclusion - women, and men, worry about the excess fat under their chin a lot and there wasn’t a product available that could combat one of the hardest places to achieve success, without resorting to expensive, painful surgery.

With the results of one 30 minute treatment lasting on average 2-3 days (and in some recorded cases up to 5 days) the company is developing a customer base of loyal, repeat customers.

LL Now distribute the product all over the world and have many celebrity endorsements on their website.

Read more

Loan Offers

What is the loan for?

The business has a need to purchase stock for some of the more recent contracts that are detailed below. The funds from ReBS will be used towards (a) stock purchase & (b) the ongoing cost of the online marketing needed to obtain “traction” within the US market specifically. This market is very attractive to LL due to the demographic and size of the market compared to the UK & Europe.

Why consider investing?

Below are some of the most recent contract we have managed to obtain:

1. Alpha DRTV – Master Distributor & Direct response TV company –purchasing stock to run international direct response TV adverts and subsequent retail roll out in Holland, Belgium, France, Spain, Australia, Mexico, South America, US, Canada, East Europe, Africa & Asia.

2. IdealWorld TV Home Shopping

3. SKINN Cosmetics – US based TV Shopping focused cosmetics brand

4. HSE24 Television Shopping in Germany/Italy/Russia/Austria

5. Wahran Trading –Kuwait Distributor

6. Soft Surroundings – Retailer in the USA

7. Trade Secrets – Canada retailer + online distribution

8. Nails Inc – UK Based salon with locations in Selfridges, Harvey Nichols, Debenhams, House of Fraser, Browns

9. 9. Vitenza - European Distribution

Additional Information:

• The product has been a finalist in 4 prestigious beauty awards (Cosmetic Innovator of the Year, The Beauty Awards, The Beauty Awards with Debenhams and OK!, #Beauty20 Best Beauty Start-Up)

• We have recently returned from the Cosmoprof Beauty Trade Show in Bologna, (the largest beauty trade show in the world). Interest in the product was especially high, and we are currently in the process of negotiating exclusive distribution deals for many global territories including (China, India, HK/Maccou, Europe, Australia &NZ, The Gulf countries).

• ChinUp Mask be featured on ITV’s Spa Wars in July 2017, where the product was highly rated and especially well received. This national TV exposure to our core target demographic will have a significantly positive impact on brand awareness and sales.

• We were selected to partner with the Official Grooming Room of London Fashion Week, where models, influencers, and press stopped between shows for a treatment.

• Recently secured certification for the product in the ASEAN territories (Brunei, Cambodia, Indonesia, Lao, Malaysia, Philippines, Singapore, Thailand, Vietnam) and working with a local partner to develop the market in these territories.

• We are working with one of the best digital marketing agencies in the world – (who have team have been ranked in the top 5 in the world by Facebook and top 2 in the world for Twitter for marketing).

• Working with top sales agents in the US who currently have both the number 1 and 2 products in Sephora.

• The product is regularly featured in the mainstream press, (most recently on Sunday in the Sunday Express). OK! Magazine called us a wonder product and put us in their “5 of the best at home spa musts”.

• We will shortly be launching our brand ambassador programme, whereby high profile celebrities/influencers/bloggers/brands promote the product. Although only recently introduced, we have already secured several ambassadors including a couple of high profile personalities in the UK and USA.

• For the Cosmoprof Beauty Trade Show in Vegas in July we have been chosen as a unique and distinguished company hand selected to participate in a specially curated area exclusively reserved for the next big thing in beauty.


• Turnover for 8 Months to April 17 has increased to £862,855 (Year End August 16, T/O was at £126K)

• Profit before tax for 8 months has increased to £118k (Year End August 16, PBT was at £28K)

• Net Assets at April 17 has increased to £140k(Year End August 16, Net Assets was at £22K)

ReBS Disclosure

The Management Accounts to April 2017 have been supplied by the uploaded to the listing. Please note that these accounts have not been reviewed by our underwriting team and we make no judgement on the accuracy of the figures contained within.


This loan is to be secured by way of a Personal Guarantee provided by the director and shareholder, Ron Huss-Smickler.

Mr Huss-Smickler has an estimated net worth of £104,000.00. This is derived primarily from his ownership of his domestic residence, a property with an estimated value of £325,000 and £124,000 estimated equity. These estimates were taken from online information on the day of the listing.

28/08/2017£1,971.87£1,116.12£855.75 (7 days late)
28/01/2018£1,971.87£1,210.67£761.20 (9 days late)
28/02/2018£1,971.87£1,230.52£741.35 (34 days late)
28/03/2018£1,971.87£1,250.69£721.18 (20 days late)
28/04/2018£700.67£0.00£700.67Interest only
28/05/2018£700.67£0.00£700.67Interest only
28/06/2018£700.67£0.00£700.67Interest only
28/07/2018£16,701.00£16,701.00£0.00 (381 days late)
28/08/2018£36,539.49£26,042.38£10,497.11356 days overdue
28/09/2018£0.00£0.00£0.00 (319 days late)
28/10/2018£0.00£0.00£0.00 (289 days late)
28/11/2018£0.00£0.00£0.00 (258 days late)
28/12/2018£0.00£0.00£0.00 (228 days late)
28/01/2019£0.00£0.00£0.00 (197 days late)
28/02/2019£0.00£0.00£0.00 (166 days late)
28/03/2019£0.00£0.00£0.00 (138 days late)
28/04/2019£0.00£0.00£0.00 (107 days late)
28/05/2019£0.00£0.00£0.00 (77 days late)
28/06/2019£0.00£0.00£0.00 (46 days late)
28/07/2019£0.00£0.00£0.00 (16 days late)