Terms & Conditions

The Loan

We lend fixed sums of money on a secured basis at a fixed interest rate over a fixed period of time.  Loans are subject to us approving your application (to include confirming your identity under anti money laundering legislation) and you signing a formal credit agreement via the web site.  The credit agreement contains information that we must supply to you, including the duration of the loan, the applicable %APR, how to cancel the loan, how to repay the loan early, the total amount you have to repay, and any charges that may be payable under the credit agreement if you do not abide by its terms.

We may, on occasion, act as a credit broker and introduce you to other lenders.  This will be made clear to you at the time and we will provide the full contact details of the relevant other lender.  Whilst we make every effort to ensure that a loan offer will be made to you before effecting an introduction, in these circumstances, the final authority to make a loan offer to you rests with the other lender.  You agree that we are not responsible for the decision of another lender to whom we have introduced you.  You agree that in accepting a loan from another lender you are bound by their terms and conditions, interest charges and procedures and our terms do not apply.

We do verify your identity using the information you provide in your application but this is not a credit check and does not appear to other lenders as a credit check in any database.  Our identity check is made as a legal requirement under Anti Money Laundering legislation. We operate under Consumer Credit Licence number 327551 issued by the Office of Fair Trading.

Sale of Gold or Platinum

We buy Gold and Platinum in any condition.

We will purchase Gold with a minimum weight of 15 grams per package or Platinum with a minimum weight of 10 grams per package.  In the event that we receive a package below this weight threshold, we reserve the right to reduce the offer price.  You do not need to accept this offer but it is reduced to take into consideration the costs of receiving items below the specified weights.

We will pay you for the metal content only of your goods.  Please remove any stones prior to sending your gold or platinum for sale.  We will not be held responsible for loss or damaged gem stones contained in jewellery that is sent to us for sale.

The sale prices we quote to you are binding provided you accept our offered price within 2 days of its receipt.  Otherwise we will re-quote based on market price movements.

Courier Insurance

We have arranged insurance to cover your goods in transit via Royal Mail Special Delivery of up to £30,000 per package.  If you send goods of a higher replacement value it is your sole responsibility to arrange insurance for anything in excess of £30,000.  (For items of this value we would normally arrange to meet you at our valuation offices in London, Birmingham or Edinburgh)

In order to make an insurance claim for goods in transit to us, you must ensure that you can produce photographs of your property, as well as at least one document per item which will prove ownership and the current replacement value of the item.  It is your responsibility to keep safe all documentation relating to your property that would be useful in support of an insurance claim, including any receipts, certificates, valuations, insurance documents or photos.

You agree that we are not liable in any way if the insurance underwriters refuse any insurance claims in relation to Your Property.

Should any insurance claim arise out of any loss or damage suffered in shipping Your Property back to you, the replacement value claimed will be according to our valuation of Your Property whether or not you accept any loan offer or sale price quoted. 

Complaints Procedure

If you would like to make a complaint, please email us at online@harveythompson.co.uk in the first instance.  We will acknowledge your complaint within 1 business day.  Within 5 business days we will respond fully to your complaint having had access to an officer with the authority to settle the complaint (including, where appropriate, an offer of redress).  (If the complaint is not resolved by close of business on the business day after the complaint is received, we will send you a copy of this complaint handling procedure).   If you are not satisfied with our first response then you can write directly to the Chief Executive who will review your case and respond within 5 business days.  Complaints about the lending process or loans that we cannot settle within 8 weeks after the first complaint can be referred to the Financial Ombudsman Service.  We will provide details when you are entitled to such a referral or on request. 

Governing Law

Any relevant terms and conditions, policies and notices shall be governed by and construed in accordance with the laws of England without giving effect to any principles of conflict of law.  You hereby consent to the exclusive jurisdiction of the English courts in respect of any disputes arising in connection with the web site, or any relevant terms and conditions, policies and notices or any matter relating to or in connection therewith.

If any part of these terms and conditions is found to be illegal or unenforceable, such finding will not affect the validity or enforceability of the remainder of the terms and conditions.

You agree that all documents that we are entitled to send you electronically may be delivered to you at the latest email address you gave us.