Finance Information

Ramsdens Financial Limited (Ramsdens) is authorised and regulated by the Financial Conduct Authority for consumer credit activities. Our firm reference number is 703463 and we can be found on the Financial Services Register. This authorisation and regulation is limited to the provision of Pawnbroking and credit brokerage and excludes all other services offered by Ramsdens. This website, www.ramsdensjewellery.co.uk, offers introductions to third party funders, enabling jewellery to be purchased on finance terms. Ramsdens do not provide the finance terms, nor does it provide any advice in making these finance products available to consumers. We do not charge any fees for providing this service. In this role, Ramsdens considers itself to be a distributor of financial products where it has no material influence over the financial products offered.

Should any customer not receive good service from a third party funder offering finance on our website we would request that they contact Ramsdens at customerfeedback@ramsdensfinancial.co.uk. Your feedback will allow us to review the performance of the third party funders and the support that they give our customers.

The third party funders that we currently offer on our website are;

• Novuna (0% interest free and interest bearing options available)
• Klarna
• Payl8r (0% interest free and interest bearing options available)
• PayPal (If you choose to pay by PayPal, PayPal may offer you their credit facilities)

Ramsdens offer a layby service which is not finance as the goods are not sold to you until you have paid for the goods following agreement on affordable weekly or monthly terms. The goods are reserved for you. Further details are available here.