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Post and Pawn is New Bond Street Pawnbrokers online service trading members of the National Pawnbrokers Association UK. Trading as James Page Financial Services Ltd.
We are licensed pawnbrokers and the National Pawnbrokers Association regulates all our terms and conditions.
The provisional online offer and loan approval is based on information provided by a potential client and Post and Pawn will not be contractually binded to the original offer.
Each client must have full marketable title (free of encumbrances of any kind) to each item they wish to loan against.
All clients must be over 18 years of age.
Each loan approval will be assessed by resident valuers at New Bond Street Pawnbrokers who reserve the right to refuse items, if they have been falsely described in the client’s description.
As the agreement is entered into without face to face contact between the customer and the pawnbroker the provisions of the Financial Services (Distance Marketing) Regulations 2004 (“the FSDM Regulations”) will apply to the agreement. The FSDM Regulations allow the debtor to cancel the agreement within the 14-day period staring with the day after the contract is concluded. For example if an agreement is concluded on the 1st of a month, the debtor has until the 15th to cancel.
Post and Pawn will supply a postage pack with tamper proof special delivery Royal Mail pack to return to our address this will include some protective packaging for our clients use. Please note it is essentially each client’s own responsibility to ensure all items are correctly packaged when returning the pack to Post and Pawn. As Post and Pawn cannot be held responsible for damaged items.
Please retain photographs or any insurance valuations you have for the item(s) you do post to Post and Pawn as in the unlikely event that your pack does get lost or stolen with the Royal Mail Special Delivery Service, this could support your claim.
It is the client’s responsibility to retain their receipt as proof of purchase when posting their goods to Post and Pawn. The receipt will provide the client with a unique tracking number to insure our client's can track the pack arrives at our office.
Royal Mail requirments Claim should also include any available supporting information / evidence relevant to the claim. Evidence of posting with Royal Mail. Evidence of the item’s value (for loss, part loss & damage claims only). Royal Mail needs to ensure that unwarranted claims are not made and as such it retains the right to request further information from the claimant and to refuse claims that it suspects are unwarranted. The signed and dated completed claim form along with the supporting evidence should be sent to: Freepost Royal Mail®, Customer Services, Plymouth PL9 7YB (no postage required) or handed in at any Post Office® branch. Royal Mail will provide the customer with a unique reference number for their claim. Royal Mail will carry out checks and enquiries to establish 1) that the item was posted with Royal Mail and 2) the cause of the loss, part loss, damage or delay. This may involve requesting additional documentation / information from either the sender or recipient of the item or inspecting the packaging and item in question. Royal Mail will take in to account any findings and the compensation policy for the product used to determine how much, if any payment is due.
If both the sender and recipient of the item make a claim for compensation then the right to claim shall lie with the sender unless compensation has already been paid to the recipient.
Post and Pawn cannot be held liable in any way if Royal Mail refuses any insurance claims in relation to a clients property, this is only if the client does not comply within all the requirements of Royal Mails policies.
Post and Pawn will assist our clients with relevant information that we have to help you in any dispute or claim that you may have with your claim made against Royal Mail, but again we cannot be held liable for any failure in the shipping agents performance or of its obligations to you. Under the Data Protection act we will not have access to your claim against the shipping agent and we cannot act on your behalf in any part of the claim or dispute with the shipping agent.
20. Whilst in our care your items are insured under the following policy:
20.1 In the event of loss or damage to the property whilst situate in or at the Pawnbrokers address as on the credit agreement and/or third party premises and/or auction rooms and transit to such auction rooms (For the purpose of sale) and such time as the property is redeemed or Sold the Pawnbroker shall release the Borrower from his/her or its obligation to repay the loan and in addition pay to the Borrower subject to the conditions below the sum specified in condition 20.2 below.
20.2 The sum referred to in condition 20.1 above shall be a sum not exceeding the amount of the loan but (without the interest accrued thereon) (“the sum”) and shall be payable by the Pawnbroker as soon as practicable after receipt by the Pawnbroker of a written notice from the Borrower in accordance with Condition 20.4.
20.3 As soon as practicable after the loss or damage referred to in condition 20.1 has occurred, the pawnbroker shall post written advice of such loss or damage to the affected customer at the address shown on the credit agreement.
20.4 Within fourteen days after the loss or damage referred to in condition 20.1 has occurred or the borrower becomes aware or ought to have become aware of the loss or damage the borrower shall Give to the Pawnbroker notice in writing claiming the sum and specifying the item or items lost or damaged together with the pawn receipt and details thereof and any such other information and evidence thereafter as the pawnbroker may reasonably require.
20.5 The Pawnbroker will as soon as reasonably practicable after receipt of the notice mentioned in condition 20.4 pay to the Borrower the sum provided the loss or damage to the property occurs while The property is or was in one (or more) of the places mentioned in condition 20.1 and the Sum shall be accepted by the Borrower in full and final settlement and satisfaction of all and any claims, damages, costs and demands as the Borrower may have in law against the Pawnbroker, in or arising out of the loss of or damage to the property.
20.6 The sum shall not be payable in respect of loss or damage to the property:
a) Caused by wear, tear, moth, vermin, gradual deterioration and breakage of glass, over-winding, Denting or internal damage of watches or clocks.
b) In respect of deterioration of any article directly caused by the act or process of dyeing, cleaning, repair or renovation.
c) Directly or indirectly caused by or contributed to, by or arising from
( i ) Ionising radiations, or contamination by radioactivity from any nuclear fuel or from any nuclear waste from any combustion of nuclear fuel; or
( ii ) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
d) directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority.
e) Occasioned by or happening through or in consequence directly or indirectly of terrorism.
f) Comprising motor vehicles of any description, aircraft or marine craft of any description.
g) Sustained following involvement of fraudulent actions by any Borrower or Borrowers or directly
Or indirectly caused or contributed to by any dishonest, fraudulent or criminal act of any employee or agent of the Pawnbroker.
21. If any part of these Terms and Conditions that are not fundamental are found to be illegal or unenforceable, such finding will not affect the validity or enforceability of the remainder of these Terms and Conditions.
22. On shipping your items back to you should any insurance claim arise because of any loss or damage suffered in the shipping of items to you, the replacement values claimed will be according to our valuation of the item(s) as described in clause 20, whether we withdraw a loan offer after receipt and inspection of your item(s) or not, and whether you accept any loan or not.
23. Should there be any variance between the replacement value of the item(s) as judged by you prior to shipment to us, and our assessment of the replacement value of the item(s) after inspection by us on receipt, you will be informed of our valuation as soon as is reasonably possible after receipt.
24. To redeem a pledge, you are obliged to pay off all outstanding amounts, including the loan and all the interest charges due up to the date of redemption.
25. Before the maximum loan period has expired, you may request a renewal of your agreement, you will need to pay up any interest that is outstanding and only then will we issue you with a new renewal agreement which will need to be electronically signed. The new renewal agreement will then start for 7 months from the new renewal agreement date.
26. Should you not redeem your pledge within the 7 month loan period, you will be informed in writing of our intention to sell the item(s) in order to recover any losses relating to the loan agreement.
27. On selling the goods, we will deduct the cost of the outstanding loan, interest, and any other sales expenses arising from the proceeds of the sale. Any surplus amount will be returned to you.
28. The online service is operated within the standard office hours which are stated on the website.
29. If you want to make a complaint about any aspect of the service provided to You, Please email us with your account number and complaint. Our Customer Care Team will respond to your email within 1 working day. Any disputes we are unable to settle within 8 weeks may be referred to the Financial Services Ombudsman. We will give details of that service if and when you are entitled to any such referral or otherwise at your request.