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NO HIDDEN COSTS

ONLY PAY FOR TIME CASH IS BORROWED

NO EARLY REDEMPTION CHARGES

7 MONTH RENEWABLE CONTRACT


YOU COULD BORROW £200 FOR ONLY 32p PER DAY*

 

EXAMPLE:

BORROW £200

COLLECT YOUR PAWN AT ANY POINT DURING THE TERM OF THE AGREEMENT

AND YOU ONLY PAY INTEREST UNTIL THE DAY YOU COLLECT.  

2 months you pay back £219.48 (Total Charge For Credit £19.48)

3 months you pay back £229.22 (Total Charge For Credit £29.22)

7 months you pay back £268.16 (Total Charge For Credit £68.16)

Repayment term is 7 months 

Interest Rate 4.87%  APR 65.7% maximum

No loans offered are under 60 days and all loans have a maximum APR of 65.7%. Early prepayment options that are available are not associated with any fees or cost. 

 

You May Collect Your Loan At Any Time By Paying The Loan Amount Plus Any Interest Accrued Until That Day. If At the End Of Your Contract You Are Unable To Pay Your Loan And Interest, You Can Pay The Interest Only And Renew Your Contract For A Further Seven Months. We Will Send You A Reminder At The End Of Your Contract. If You Are Unable To Repay Or Renew Your Loan Your Goods Will Be Sold

 

OUR RATES EXPLAINED:

 

AMOUNT BORROWED INTEREST OVER FULL 7 MONTHS TOTAL REPAYABLE APR (Annual Percentage Rate) MONTHLY INTEREST RATE
£200 £68.16 £268.16

 65.7%

4.87%
     

maximum

 

 We want to help our customers. If you have any worries about redeeming your jewellery then call for our advice on 0191 2328604

Newcastle Jewellery Company's average loan is £200 with a loan period of 7 months. The average loan incurs a monthly charge of £9.74 based on our monthly rate of only 4.87%. The representative daily interest for this loan is 32p per day and is charged on a daily basis until the end of the 7 month term when the loan would be repayable in a single payment of £268.16. The representative APR for this loan is only 65.7% maximum


WE VOTED OURSELVES THE BEST VALUE PAWNBROKER IN NEWCASTLE. COME AND SEE WHY.

WE ARE MEMBERS OF THE NATIONAL PAWNBROKERS ASSOCIATION AND REGULATED BY THE FINANCIAL CONDUCT AUTHORITY


THE FINANCIAL OMBUDSMAN SERVICE IS AVAILABLE TO CONTACT AT:

THE FINANCIAL OMBUDSMAN SERVICE, EXCHANGE TOWER, LONDON, E14 9SR OR WWW.FIANANCIAL-OMBUDSMAN.ORG.UK

 

*£1 minimum interest

Annual Percentage Rate 65.7%

Complaints Procedure

We accept complaints, in person, by post or by telephone

We will try to resolve your complaint by the end of the third business day after the day we receive it. We will look into the cause of your complaint and we will discuss how we propose to resolve this with you. Where you agree, we will mark your complaint as closed. If we cannot resolve your complaint by the end of the third business day after the day we receive it, we will send you an acknowledgement. Our acknowledgement will include a reference number to be used if you need to contact us about your complaint. We aim to resolve all complaints within eight weeks. During this period, we may contact you about your complaint and invite you to provide more information. When we have completed our investigation, we will then send you a final response which sets out how we have investigated your complaint and our conclusion. In this letter, we will tell you if we have upheld your complaint or not. If we cannot resolve your complaint within eight weeks, we will write to you to tell you when we expect to be able to do this. If your complaint is subject to Financial Ombudsman Service (FOS) jurisdiction, we will tell you and give you a leaflet that contains FOS details so you can contact them if you are unhappy with the way we have investigated your complaint and you wish to take this further. If you agree with our conclusion, we will mark your complaint as closed, if subsiquently you decide you are dissatisfied with the resolution of the complaint you may be able to refer the complaint to the Financial Ombudsman Service. If you are unhappy with our decision and wish to take it further, you may ask the FOS to review your complaint. This is a free, independent service for resolving disputes. to put things right but you must do this within 6 months of our final responce letter• 

 If you have a complaint relating to pawnbroking  (but not to any other of our services), you may refer your complaint to the FOS at any time, but they will need our agreement to investigate if:

 

 We haven’t had the opportunity to put things right.

 

We have not exceeded the 56-day timescale and have not yet issued our Final Response letter.

 

If you decide to refer your complaint to the FOS after we have issued our Final Response, then you should do this within six months of the date of the Final Response. If you wish to contact the Financial Ombudsman Service at any time, you can do this at Exchange Tower, London, E14 9SR. Tel 0800 023 4567.* Email:  This e-mail address is being protected from spambots. You need JavaScript enabled to view it . Website: www.financial-ombudsman.org.uk for further information