Pawnbroking

Borrow £10 To £20,000 In Store Today

Against Your Gold Jewellery, Diamonds Or Prestige Watches Including Rolex, Cartier And Breitling

✅ Confidential Service  ✅ No Obligation Quotes    ✅ Minimal Payperwork   ✅ No Appointment Needed

What is a Pawnbroking Loan?

A Pawnbroking Loan is a short-term loan (7 month contract) secured against items of gold, silver, diamond jewellery, quality watches.

The amount of the loan is dependent on the item(s) provided as security.

Simply bring an item of value into our retail shop, our trained staff will value your item and together we will agree a loan amount with you that you feel comfortable about repaying.

We will give you a credit agreement, which is also your pledge receipt. This clearly outlines the amount you have borrowed and what the repayments are. You will be asked to sign this.

We give you the cash and keep your items safe and secure until you come back to repay your loan.

You can get your valuables back at any time by returning your pledge receipt and paying what you owe under the agreement. You have up to seven months to redeem your loan.

What happens if the loan is not repaid?

We follow the guidelines laid down by The Consumer Credit Act:

  • We will write to you informing you that your contract has expired.
  • We give you time to come in and redeem your items.
  • We want to help you wherever we can. If you cannot redeem the full amount owed by the end of seven months, you can repay the interest only, and we will renew the loan for you. You will get a new contract and an additional seven months to pay us back.
  • If you do not wish to redeem your items then we will sell your pledge so that we can recover the debt.
  • After we have recovered the loan amount and interest accrued, any additional funds will be yours.

I.D. Required
You Need To be Over 18

You, Will, Require Two Forms Of Identification To Prove Who You Are And Where You Live. These Can Be A Driving Licence Or Passport And A Bank Letter Or Council Tax Bill.

Please Contact Us For Full Details.

We Are Members Of The National Pawnbrokers Association

  • Firm Name: Southend Discount Gold Ltd
  • FCA Number: 713562

We are authorised and regulated by the Financial Conduct Authority for consumer credit activities.


Handling Procedure – Dispute Resolution

For Pawnbroking only

We consider a complaint to be..

Any oral or written expression of dissatisfaction, whether justified or not, from, or on behalf of, a person about the provision of, or failure to provide, a financial service, which alleges that the complainant has suffered (or may suffer) financial loss, material distress or material inconvenience; and relates to an activity of our firm which is subject to the jurisdiction of the FOS.

We will provide a copy of this documented process on request and when acknowledging a complaint.  There will be no charge for this.

A complaint can be made and received via any reasonable means, including letter, telephone (at standard rates), email, or in person.

Making A Complaint

We do not make a charge for handling a complaint.

If you wish to make a complaint, please contact the Manager, Southend Discount Gold Ltd, 111 High Street, Southend on Sea. SS1 1LQ or by telephone 01702 332 482.

Acknowledging Your Complaint

If your complaint cannot be resolved within 72 hours following its receipt, we will promptly send you a written acknowledgement of your complaint.

If you make an oral complaint, our written acknowledgement will set out our understanding of your complaint.  

Reviewing Your Complaint

Your complaint will be investigated diligently and will be assessed fairly, consistently and promptly.

We may ask you to submit copies of documentation and may request further information from you to assist us with our investigation.

We will take into account any documents and/or information you may provide in relation to your complaint.

Keeping You Informed

If your complaint cannot be resolved within 72 hours following its receipt, we will ensure that you are regularly kept informed of our progress with regards to the investigation into your complaint.

We will undertake a thorough and timely investigation of your complaint. However, in the event that we are unable to conclude our enquiries within 56 days, we will write to you and let you know when we expect to be in a position to issue our Final Response letter.

We will also provide you with details of your right to refer the matter to the Financial Ombudsman Service (FOS).  The FOS can be contacted as follows:

Financial Ombudsman Service,

Exchange Tower,

London,

E14 9SR

Telephone: 0845 080 1800                  

E-mail: enquiries@financial-ombudsman.org.uk

Resolving Your Complaint

When we have finalised our investigation into your complaint, we will issue our Final Response letter. 

Our Final Response letter will:

  • Be fair, clear and not misleading;
  • Confirm details of our investigation and decision; and
  • If relevant, include any offer of remedial action or the appropriate level of redress (or both).
  • Include any next steps

If you’re unhappy with our decision and wish to take it further, you can ask the Financial Ombudsman Service (FOS) to look at your complaint. This is a free, independent service for resolving disputes. If you decide to refer your complaint after we’ve issued our Final Response, you should do so within 6 months of the date on our Final Response letter.

Although you can refer your complaint to the FOS at any time, they will require our consent to investigate complaints where…

  • we haven’t had the chance to put things right
  • we haven’t exceeded the 56-day timescale and haven’t yet issued our Final Response letter

If your complaint can be resolved within 72 hours, 3 working days, we will send you a Summary Resolution Communication Letter to advise you how we have resolved the complaint, any further actions we are to take or the appropriate level of redress (or both), and again we will refer you to the Financial Ombudsman Service if you are not satisfied with our handling of the complaint. An explanatory FOS leaflet will be provided.