H&H

PAWNBROKERS

HOME BUYBACK OPTION JEWELLERY CONTACT PAWNBROKING

1) How old do I have to be?

2) What ID do I need?

3) What if I have a bad credit rating or a CCJ?

4) How much can I borrow?

5) What happens to my stuff?

6) How long is the loan for?

7) What happen to my item(s) if I don't come back?

8) If I use the pawnbroking service do I have to come in every month to      pay the interest?

9) Can I use a credit/debit card to collect my item(s)?

10) What if I run out of time to get my item(s) back?

11) Why do Buybacks and Pawnbroking?

12) Are my item(s) covered by your insurance?

13) Can my friend or family member pick up my item(s)?

14) What if I lose my contract/forms?

15) Can I make monthly payments towards my loan?

16) Can I just borrow some cash?

17) If for any reason I’m not happy how do I complain?


4) How much can I borrow?


There is no upper limit to the amount we can loan you, but the amount offered will be dependant on the value of the item(s) you bring in to use as security. The amount offered will be similar to our normal buying price for such item(s). For larger amounts multiple items can be used either on one contract or multiple contracts, this can helpful when redeeming your items Top



5) What happens to my stuff?


The item(s) you use as security will remain with us, either in our safes or secure stock rooms until you redeem them or the contract on them expires. After that the item(s) will be put up for sale or go to auction. Top



6) How long is the loan for?


Our Buyback option is up to 28 days, our Pawnbroking contacts are up to 7 months and are regulated by the Consumer Credit act 1974. Top


7) What happen to my item(s) if I don't come back?


If you use our Buyback option after the 28 day period has expired the item(s) are placed for sale to recover the amount you borrowed. If you use our pawnbroking service and the contract is not redeemed we will dispose of your item(s) on your behalf for a fair market price to recover the amount you borrowed. If the amount realised from such sales (after deducting sale costs) is more than the amount you owe at the date of the sale, we will notify you of any surplus. If the item(s) sale does not realise enough to clear the balance outstanding we will not ask you for the difference, it will be written off and you are free to use our services again.  Top


1) How old do I have to be?


To use any of our services you must be 18 and over.


2) What ID, if any do I need?


You will need some form of ID, photo ID may be required for some services. Top


3) What if I have a bad credit rating or a CCJ?


We do not need to perform any personal income or credit checks and using any of our services will not affect your credit rating. Top


15) Can I make monthly payments towards my loan?


Yes, there is an option to make part payments, but only on the pawnbroking service. Top

14) What if I lose my contract/forms?


If you loose your Buyback form then come in with two forms of ID. If you loose your Pawnbroking contract and the amount you borrowed is over £75, then come into store. We will issue you an affidavit which you will need to get signed and stamped by a solicitor. They may make a charge for this service. Once you have a signed and stamped affidavit return to store and we will use this as your contract. This must all happen on the same day. Top

13) Can my friend or family member pick up my item(s)?


No, you must collect your item(s) in person Top.


8) If I use the pawnbroking service do I have to come in every month to pay the interest?


No, you pay the amount borrowed plus the interest to date when you come to collect your item(s). Top

9) Can I use a credit/debit card to collect my item(s)?


No, unfortunately we can only accept cash, however a credit/debit card can be used to purchase any item in our store. Top

10) What if I run out of time to get my item(s) back?


If you are getting close to the end of the contract date and are worried you are going to loose your item(s) then please phone or come in and discuss any further options that may be available to you. Top

11) Why do Buybacks and Pawnbroking?


Pawnbroking is used for item(s) that will hold their value over the course of the loan like gold jewellery and watches, Buybacks are used for item(s) that tend to depreciate much quicker, like mobiles, game consoles, televisions. Top

12) Are my item(s) covered by your insurance?


No, you have to make your own arrangements for insurance or check with your own contents insurers to see if your own policy will cover them. Top

16) Can I just borrow some cash?


No, we would always require some kind of security against the loan. Top

H&H

PAWNBROKERS

HOME BUYBACK OPTION JEWELLERY CONTACT PAWNBROKING

17) Complaints procedure for clients of H&H Pawnbrokers


Your right to complain.

We aim to offer a consistently high level of service. Unfortunately, occasionally there may be situations where you feel we have fallen short of the high standards we set ourselves. As such we would like to hear about what we did that left you unhappy.


What you can do.

In the first instance let us know. Do not be afraid to ask to speak to the manager, we would hope that they could bring a speedy resolution to your problem. If this does not happen then you can make a more formal complaint.


Making a formal complaint

In the first instance you can put your complaint in writing and then either send it in addressed to H&H, 33 Mayflower Street,Plymouth, or Email to johnwants@btconnect.com.

We will aim to resolve your complaint as quickly as possible but at the latest within eight weeks of receipt of your complaint. If we are unable to do this then we explain why.


The next step

If you are unhappy with the outcome of your complaint then you can refer it to The Financial ombudsman service free of charge, but you must do this within 6 months of our final decision. If you do not refer your complaint in time, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. For example, if the Ombudsman believes that the delay was as a result of exceptional circumstances.



The Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London E14 9SR

Telephone: 0845 080 1800
Email:
complaint.info@financial-ombudsman.org.uk

Web  www.financial-ombudsman.org.uk


Authorised and regulated by the Financial Conduct Authority

This authorisation and regulation is limted to the the provision on pawnbroking and excludes all other services offered by ourselves.