Pawn broker got rid of my jewellery without giving me written notice

Cant_believe_this

I need some advice. Used a reputable firm Cash & Cheque Express who i have used before with no problems. Was going through a tight patch few months ago so pawned my jewellery knowing i was due some money so could get back out.

Went yesterday with money to collect to be told my jewellery is not there but they did not send me the 14 day letter in writing they ard required by law to do (amount was over £100)

What are my rights and what can i do? I'm distraught, its not the value these were my wedding rings etc & priceless sentimental things that were to be handed down to my children and can never be replaced

shaun_from_Africa

Did they admit not sending the letter?

keyser666

Do they have to send a letter 14 days before by law? Thought this would be covered by the slip they must have gave you on receipt of the goods

Pollycat

@ OP:
Did the pawn broker say where your jewellery was?
Have they sold it?
Do they know who to?

What else did they say in the conversation with you?

hollydays

See this link from money advice
https://www.moneyadviceservice.org.uk/en/articles/pawnbrokers-how-they-work

This is the national pawnbrokers association
Check if they are a member as they have voluntary a code of conduct too with sanctions
http://www.thenpa.com

Code
http://www.thenpa.com/the-gold-standard/Gold%20Standard%20Implementation%20Guidance.pdf

bod1467

The bottom line is ... unless they are able to get them back from whomsoever they were sold to (which may be a long shot) then they're gone and there's nothing much can be done about it.

Perhaps you could get some compensation from them if they've breached any rules or regulations, but that still won't get the "sentimental value" goods back.

Whilst I don't agree with the tone of daytona's post, if something is important to you then don't pawn it.

Pollycat

bod1467 wrote: »

Whilst I don't agree with the tone of daytona's post, if something is important to you then don't pawn it.

Maybe it was the difference between eating and pawning something that would bring a bit of money in to put food on the table.

We don't know why the OP pawned her jewellery and shouldn't really judge her because she did.

I'm sure she's kicking herself right now and doesn't need anyone else kicking her on a public forum.

bod1467

Pollycat wrote: »

Maybe it was the difference between eating and pawning something that would bring a bit of money in to put food on the table.

Perhaps so. But people can sometimes have a warped sense of priorities ... pawn the jewellery but hold on to the TV and games console, for example.

keyser666

Pollycat wrote: »

Maybe it was the difference between eating and pawning something that would bring a bit of money in to put food on the table.

We don't know why the OP pawned her jewellery and shouldn't really judge her because she did.

I'm sure she's kicking herself right now and doesn't need anyone else kicking her on a public forum.

Foodbanks?

Pollycat

bod1467 wrote: »

Perhaps so. But people can sometimes have a warped sense of priorities ... pawn the jewellery but hold on to the TV and games console, for example.

But we don't know the OP's circumstances, do we? We don't know if she is one of those people who have a warped sense of priorities.

We don't know why she pawned her jewellery, just that she did.

No point in saying she shouldn't have done it or should have pawned something with less sentimental value.
She did what she did.

keyser666 wrote: »

Foodbanks?

As my reply to bod1467 above, we don't know why she pawned her jewellery.
It may not have been to buy food, that was just an example I used.
It may have been to pay a bill.
It may have been to buy cigarettes.
Who knows?

We don't.

All we know is that she did pawn jewellery that was important to her (and I really can't imagine her doing that if she had a house full of electronic stuff) and somehow, the pawnbroker no longer had it when she went to redeem her pawned items and she's asking on here for advice.

Poppie68

Pawn brokers tend to melt gold and silver if they are not a good quality metal so chances will be very slim to get them back.
If they have sold the items on and made a profit you are entitled to any monies above and beyond the amount you owe you are entitled to that money so make sure you ask.
In regards to notice required, they by law only have to inform you that they are going to be selling it on if you were loaned over £100...so you may not have any recourse of complaint.



Edit..... just seen the amount was over £100.