Jewelry deteriorates over time - it breaks, is dismantled, loses its original appearance, and goes out of fashion. If the damage can be fixed, then it is unlikely that you will be able to use one earring. Therefore, many people are interested in whether it is possible to take 1 earring to a pawnshop.
Jewelry pawn shops accept jewelry and scrap precious metals. Jewelry is subject to further sale at no additional cost to the establishment. Scrap includes gold that is difficult to sell as a product - broken or deformed jewelry, dental crowns, coins.
When asked whether it is possible to take one earring to a pawnshop, there is only one answer - yes. Pawnshops accept incomplete, broken, and deformed items made of precious metals for purchase. The condition of the jewelry does not matter. Only the weight and fineness of the metal are taken into account.
Regulatory regulation of trade in precious metals
The regulatory framework for the handling of precious metals and stones is constantly changing, updated, and supplemented. The main document that defines the basis for regulating relations that arise when performing all kinds of operations with valuable materials and products (geological study of deposits, mining, production, use and civil circulation, including) is Federal Law No. 41 “On Precious Metals and Precious Stones” "
The actions of manufacturers and sellers are regulated by Russian government regulations:
- №684;
- №2463.
You can always refer to the Federal Law “On Protection of Consumer Rights”. It defines the rules for the sale, delivery, and return of purchased items, including jewelry.
Advantages of going to a pawnshop
By selling gold as scrap, it is unlikely that you will be able to recover at least half of the money you once spent on purchasing a new product. However, buying gold has a number of advantages, due to which the number of clients and interest in the service is constantly increasing:
- minimum documents - to conclude a transaction, only the owner’s civil passport or a document replacing it is required
- efficiency - the decision is made immediately after assessing the scrap metal and takes no more than half an hour
- confidentiality
- loyal attitude towards regular customers - the longer the relationship, the more favorable the conditions
- honesty and transparency of transactions
One earring or one item from a disassembled set is unlikely to bring more money than if taken to a pawnshop. But in case of an emergency need for money, you can quickly and without unnecessary bureaucratic procedures improve your financial situation. This will require a minimum of documents and even less time. Even one earring can be useful if you use it correctly.
Requirements for jewelry products for sale
To determine the order of formation of relations between the seller and the consumer, the concepts must be clarified. Then it is easier to navigate the jewelry trade. Precious metals include:
- gold;
- silver;
- palladium group metals: rhodium, iridium, palladium, platinum, ruthenium, osmium.
The concept of precious stones is also given, since they are often inlaid with gold jewelry. This product group includes:
- diamond (diamond);
- pearl;
- ruby;
- alexandrite;
- emerald.
Synthetic inserts are not considered precious, even if they have properties similar to natural formations (organic, mineral). But jewelry can also be set with semi-precious stones. There is no prohibition on the use of non-precious (synthetic) inserts, but in appearance they are inferior to the characteristics of the precious metal, and therefore are extremely rare, usually on products made from a low-grade alloy. More often, semi-precious and precious stones can be seen on products made from high-grade alloy.
Jewelry with precious stones
Requirements for jewelry:
- the presence of an assay is mandatory: several centuries ago, identification marks may have been absent, since there were no strict requirements for control over the movement of precious metals and jewelry, today all items made of precious metals pass through the Federal Assay Office;
- stamping of the name plate is carried out (one of the main rules for jewelry produced in Russia);
- It is mandatory to present certificates for stone inserts at the consumer’s request;
- display samples undergo additional testing; they should be free of defects, damage, and signs of wear;
- the consumer may ask for control weighing to be carried out in his presence, this requirement should be acceded to, since it is completely legal;
- Additional packaging is required for items made of precious metals if they are of high value.
Note: Silver jewelry is allowed for sale without hallmark, but provided that the weight of 1 item does not exceed 3 g.
Product information on the label
The consumer must receive all necessary information about the jewelry before and after paying for it. It is provided in different ways: on the label and on the receipt. The store undertakes to provide complete information about all decoration parameters:
- Name;
- type of base material and surface layer (if any);
- vendor code;
- manufacturer, brand;
- product weight (grams).
Who can donate jewelry?
Only adult citizens can pawn valuables at a pawnshop. There are no other fundamental restrictions, except for the list of accepted items. In accordance with the rules, pawn shops do not accept the following items :
- Silver and gold leaf.
- Semi-finished products and raw materials from diamonds.
- Rough gemstones.
- Semi-finished products for the dental and jewelry industries.
- Raw materials, alloys and other industrial products from precious metals.
- State awards, medals and orders.
What does the term “gold leaf” mean?
These are the thinnest sheets of precious metal that are used as decorative elements or in production. And technical gold, in accordance with the rules of pawnshops, is not accepted as collateral . The question remains, how to distinguish it?
It's actually quite simple. Gold leaf is produced in the form of thin sheets, only 100 nanometers thick. Such products are used to decorate various surfaces: from book bindings to church domes.
Standard jewelry is made of gold and has nothing in common with tinsel .
Is it possible to return jewelry according to the Law?
It is believed that 2 categories of goods (jewelry and medical) are not eligible for return. And this is true for the most part, but with some exceptions. The law defines a limited list of cases when the seller is recommended to consider issuing a return on sold jewelry.
In order not to waste your time trying to return an item to a jewelry store, you need to make sure that the current situation is also included in the list of exceptions to the law. This is discussed in more detail in the Federal Law “On the Protection of Consumer Rights” (Article 18).
How else can you use an unpaired earring?
There are several good ways to give a lost pair of earrings a new life. For example, you can take a piece of jewelry to a jewelry workshop and have it remade into a pendant. You purchase a suitable chain - voila, your new beautiful jewelry is ready!
You can also give the earring for melting down and make a ring, hairpin or tie pin out of it. If the earring contained precious stones, they will become an additional decoration on the new product.
Gold earrings with diamonds (go to the SUNLIGHT catalogue)
If the earring is too expensive for you, you can spend money on making a new pair. Usually private craftsmen do this - they carefully take measurements of the jewelry, find out the sample of the product, and within a few days create a pair for a “single” person.
Reasons for returning/exchanging jewelry
Often the seller will state that the jewelry cannot be returned in any case. The calculation is made that the consumer does not have sufficient knowledge on this issue, then he would agree that the item cannot be returned or exchanged. However, you need to prepare for a conversation with consultants or jewelry store managers by studying the main reasons why they should accept the purchase back:
- discrepancy in the type of sample or its absence on goods that are not original;
- the breakdown is not the fault of the buyer: stones may fall out, the special fastening of the insert may break, etc.;
- presence of loose elements;
- breakdown of moving elements: chain links, fastening parts;
- stopping the movement of a precious metal watch purchased in a jewelry store.
Silver jewelry
When it is impossible to return an item
It happens that even on legal grounds it is not possible to make a return. This often happens in small stores, small departments of shopping centers - where control by the authorities regulating such issues is minimal or completely absent. There are more chances to make a return if the purchase was made in a large store.
It is possible to return an item purchased at a jewelry store only if its original appearance is preserved. In addition, there must be a tag with which the jewelry was purchased. If these conditions are not met (the product is no longer in proper shape, it has scratches, stains, signs of wear, the label is lost or thrown away), the store has the right not to pick up the product, even if there was initially a hidden defect.
When, when exchanging jewelry, the consumer gives other reasons for refusing to purchase, such an item cannot be accepted. The absence of defects, full compliance with the requirements for jewelry, serviceability of fasteners and moving parts - all these factors are the basis for a store to refuse to replace or return a jewelry item.
Which pawnshop should I take one earring to?
Taking a “lonely” piece of jewelry to a pawn shop is one of the easiest ways to get rid of an item. After all, you will have to spend quite a lot of money to make a pair, convert an earring into a pendant, or melt it down. And if you take one earring to a pawnshop, you can get a nice bonus to your budget.
The highest prices and the most honest service can only be obtained in large chain pawnshops - for example, the Sunlight pawnshop. Only qualified craftsmen work here, who will competently evaluate your jewelry and name its fair price. To register a deposit, you only need a passport. The Sunlight pawnshop chain is one of the largest Russian networks, where loyal customers and people with a wide range of incomes regularly turn, because here there is a solution for everyone.
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Requirements for the seller
The seller (store) undertakes to control all areas of activity:
- accurate accounting of products and safety are ensured;
- conditions are created for inspecting jewelry before purchasing;
- products are grouped according to main parameters on the shelves;
- information about assaying and the value of precious stones is provided;
- The cost of the item is explained, it is important to help the buyer understand how valuable the jewelry is.
Other requirements that the consumer has the right to present to the seller with a request to return jewelry;
- replace a piece of jewelry that has become a non-liquid item due to an oversight or the intent of store employees, and in exchange is offered a similar or different product, but in the same price category; it is also possible to recalculate the cost if the consumer has chosen a more expensive piece of jewelry;
- reduce the cost of jewelry due to the presence of defects: taking into account such features, the price should be lower, since the product goes to discounted (if it is not possible to eliminate the defect);
- return funds;
- ask for work to be carried out to eliminate damage to the gold, or pay the costs of repairing the product yourself.
Jewelry seller
Procedure for returning jewelry goods
You need to prepare: take the purchased jewelry, documents about the purchase, etc. You may need additional data, for example, a specialist’s opinion on the causes of the breakdown. You can find out what documents need to be attached to the application directly in the store, since each seller has his own instructions in this regard.
If the receipt was lost, you need to prove that the item was purchased in this store and not in a neighboring retail chain. To do this, you must restore the payment document. This can be done if the store keeps detailed records. Alternative options are: eyewitness accounts or data from CCTV cameras (if the incident occurred recently, the information is still stored).
Contacting the seller with a receipt, tag, passport and jewelry
To return a piece of jewelry, you need to take it to the seller. Must provide:
- the label with which the item was purchased;
- check;
- buyer's identity document.
When one of the documents is missing, it is much more difficult to exchange and return jewelry. This will be a reason for refusing to satisfy the buyer’s request, and on legal grounds.
Gold ring with tag
Making a claim requesting an exchange or refund
Most often, the seller is looking for reasons to avoid returning. If all the conditions of the procedure were met by the consumer, the store has no reason to ignore the request. A statement of claim is drawn up to the seller with a description of the essence; it must contain an explanation of the reason why the consumer decided to refuse to purchase the jewelry. It must be written on the spot, and in two copies, one should be kept with you. Appeals are endorsed by the seller, thereby confirming the fact of familiarization with the claim.
It is allowed to send an application by mail, but the absence of a signature on receipt may prevent you from winning the court in the future, so it is recommended to send a written application by registered mail with notification.
Waiting for a response to the complaint
The store has the right to give one of 2 response options: reject or satisfy the request/demand stated in the application. The law allows up to 30 days to study the issue in detail and make a decision.
What documents does a pawnshop prepare?
When applying for a loan secured by chains, like other jewelry, a pledge ticket is issued. It, in turn, is an agreement and the beginning of the relationship between you, as a client, and the pawnshop. The security ticket is given to you upon a successful transaction and contains:
- Pawnshop name and address;
- Client's full name;
- Subject of collateral;
- Amount and term of the loan, interest rate;
- Terms of cooperation with the pawnshop.
With the same document, you will then partially or fully repay the debt in order to redeem the chain from the pawnshop.
When they refuse to return
It is possible to get money back or new jewelry if the old bracelet/pendant was returned to the store in limited cases, since quite often the consumer is refused to fulfill the conditions of the requirement. Legal grounds for the seller not to pay funds:
- the buyer applied much later: the warranty period provided upon purchase had expired;
- Violation of deadlines for handling these issues: only the first 14 days after the transaction (if the defects are obvious) or six months (if the damages are not obvious) are given to consider the purchase;
- a ring, bracelet, chain or other jewelry will not be accepted back if signs of wear are visible (metal darkening, scratches, abrasions, lack of shine).
Decision through court
The consumer can go to court provided that 1 year has not passed since the purchase of the jewelry (this is the statute of limitations on this issue). First you need to make a complaint to the seller - write a statement. If there is no response, this document must be attached to the claim when going to court.
What chains does the pawnshop accept?
The vast majority of pawnshops in Moscow, as well as in other cities of Russia, accept gold and silver chains in almost any form. Of course, if you still have documents for the product, you should definitely take them with you. This fact can significantly affect the transaction amount.
Naturally, the chain must be clean and unbroken. If your chain has damage, they will most likely also accept it, but perhaps the price for it will be less.
Question-answer section:
Can I change my gold ring if it doesn't fit?
Expert opinion
Pribrezhny Gennady Valentinovich
Jeweler 6th category
An item purchased in an offline store can be replaced if a defect or other defects are detected. An unsuitable color or size is not a sufficient reason to contact a jewelry store and request a replacement piece of jewelry. Moreover, it does not matter how long has passed from the moment of purchase: less than 1 hour or 1 month. The ban on accepting a whole and undamaged ring/bracelet applies regardless of the deadline. All that remains is to contact the jeweler to change the size of the ring.
In what time frame can I return the marriage?
Expert opinion
Grishanov Mikhail Petrovich
Jeweler, director of the Grishanov and Co. workshop
If external damage is visible, you should request a replacement or refund no later than 14 days from the date of purchase. Invisible defects may not be detected immediately. A period of 6 months is given, after which you no longer have to return the jewelry.
Can I return jewelry purchased online?
Expert opinion
Zilbertrud Dmitry
Lawyer, legal bureau "Verdict", Voronezh
Remote purchases (online via the Internet) can be returned regardless of the conditions listed above. This feature is explained by the fact that the buyer does not have the opportunity to inspect the product for defects. In this case, the seller must invite clients to read the public offer agreement, agree to its terms by checking the box (a pop-up window appears on the website).
Jewelry purchased online
Is it possible to return gold to the store if it was purchased a year ago?
Expert opinion
Grishanov Mikhail Petrovich
Jeweler, director of the Grishanov and Co. workshop
Jewelry can be returned no later than 6 months from the date of purchase. The period of 1 year is the limit when considering the issue in court, after which the statute of limitations expires.
Is it possible to return gold jewelry to the store if the receipt is lost?
Expert opinion
Zilbertrud Dmitry
Lawyer, legal bureau "Verdict", Voronezh
Making a return without accompanying documents (label or receipt) is extremely difficult. You must try to prove that the purchase was made here. Various methods can be used: viewing a surveillance camera for the day when the jewelry was sold, providing testimony from witnesses to the transaction, which is also difficult to implement.
Can silver jewelry be returned?
Expert opinion
Grishanov Mikhail Petrovich
Jeweler, director of the Grishanov and Co. workshop
Gold and silver are precious metals. This means that both varieties can be returned under the same conditions - if there is an obvious or hidden defect. Whole products that have not lost their original characteristics cannot be accepted back by the store.
Can gold be exchanged for platinum?
Expert opinion
Pribrezhny Gennady Valentinovich
Jeweler 6th category
When a previously purchased piece of jewelry is replaced, there are options to choose from: with or without surcharge. In the first case, they consider the possibility of purchasing another piece of jewelry, but at a higher price with different characteristics.
Platinum and white gold: what do the two noble metals have in common?
Why are jewelry not subject to exchange or return, and in what cases?
Expert opinion
Zilbertrud Dmitry
Lawyer, legal bureau "Verdict", Voronezh
The seller, by law, has the right to refuse a consumer who has requested a refund if the size or color of the jewelry does not fit. Losing the tag and receipt also creates an obstacle to returns.
Is it possible to return jewelry to a store within 14 days in Russia according to law?
Expert opinion
Zilbertrud Dmitry
Lawyer, legal bureau "Verdict", Voronezh
There is such a possibility. But for this, the condition must be met - a defect (explicit and implicit) has been detected. Other cases (dissatisfaction with the color, size, shape, design of the product) are not a reason to refuse a purchase/sale transaction in a store. Even consulting a lawyer will not allow you to resolve the issue differently.
Pawnshop rules
RULES FOR USE OF PAWNSHOP SERVICES
1. A pawnshop, being a credit organization outside the banking system, carries out
— providing short-term loans to citizens secured by products made of precious metals and precious stones;
— sale of property accepted from citizens as collateral and not redeemed;
— issuing short-term loans to the population;
— lending to citizens for the purpose of purchasing goods (services);
— purchase of jewelry and their scrap;
— accepts investments from citizens and legal entities in the form of interest-bearing loans.
2. When issuing a loan secured by property, a short-term loan agreement secured by property is concluded between the Lender Pawnshop (pledgee) and the individual borrowers (mortgagors) with the issuance of a pledge ticket in the established form. The Agreement specifies the description and full amount of the property valuation, the amount of the loan issued by the Pawnshop, the date of sale of unclaimed property, the responsibility of the parties and other terms of the Agreement. The mortgagor’s signature on the Agreement means agreement with the terms of the Agreement, the assessment amount, the date of sale of unclaimed property and other conditions.
3. Pawnshop services are provided to citizens at least 18 years of age upon presentation of a passport or other document replacing it, according to the law.
4. Description of the condition of products accepted as collateral:
Scrap - products with defects that do not allow them to be given a marketable appearance, namely: broken chains, stretched chains, bent products that cannot be restored, missing locks or they do not work, one half pair of earrings, missing inserts, etc. ;
Bad - products that will require a long time and expensive repairs to make them marketable, namely: bent products, defective inserts that can be eliminated without replacing them, multiple deep scratches and chips, etc., non-functional watch mechanism;
Satisfactory - Satisfactory - products belonging to groups 4 and 5, but which do not have a hallmark and/or a nameplate;
Good - products that have a marketable appearance, all samples and stamps are applied to them, all locks are in working order, but they show signs of long-term wear and scratches, abrasions and chips that can be polished;
Excellent - Excellent - products that have a marketable appearance, all samples and marks are applied to them, all locks are in working order, there are no visible scratches or abrasions, and the product does not have obvious signs of long-term use.
5. The amount of a loan secured by jewelry made of precious metals is determined by the calculation method based on the weight of the product, fineness and other characteristics of a particular product in accordance with the price list (see price list). The loan amount is 100 percent of the appraised value of the property.
6. Rules for processing a loan: interest on the loan begins to accrue on the day the collateral transaction is carried out and the collateral agreement is concluded; when extending the pledge for a new period and paying interest for the past period, the Pawnshop writes off interest for the day on which the re-pledge and extension operation was carried out in double amount.
7. Loan schemes:
Collateral - a loan secured by jewelry for a period of up to 30 calendar days (loan rate 0.39%, overdue 1% of the loan amount for each day the loan is used), preferential storage period for unclaimed collateral is 1 calendar month;
Purchase - a loan secured by jewelry for a period of up to 2 calendar days (loan rate 0.39%, overdue 0.8% of the loan amount for each day the loan is used), there is no grace period for storing unclaimed collateral;
Gold exchange is a promotion for pawnshop clients, when handing over jewelry to a pawnshop, instead of loan funds, the client is given a certificate for the purchase of new jewelry in any Rosyuvelirtorg salon, while the valuation of jewelry and their scrap is more expensive, but redeeming the products prohibited. For details, contact the cashier operators and sales consultants of the Rosyuvelirtorg jewelry stores.
The number of re-pledges (extensions of the loan term) is unlimited; when re-pledged, interest is paid for using the loan.
The day the loan is issued is considered the first day of using the loan and is counted towards the total loan term.
When repaying the loan ahead of schedule, the Pawnshop recalculates the interest for specific days of using the loan.
8. If the loan is not repaid on time, the pledged property is stored in the Pawnshop in accordance with the chosen lending scheme, see clause 7 of these rules. During the grace period of storage, overdue payments are accrued in accordance with clause 7 of these rules.
9. If the deadline for repayment of the loan and payment of interest coincides with holidays on which the Pawnshop is not open, the settlement transaction is carried out on the previous or next business day.
10. In case of loss or damage to the pledge ticket, as a result of which it is impossible to establish the data specified in the pledge ticket, the Pledgor is given a second copy of the pledge ticket free of charge.
11. If, when conducting an assessment and determining the amount of a loan or purchase, the pledgor refuses to enter into a pledge (loan) agreement, the pawnshop does not charge a fee for determining the sample, weight and amount of the products, this operation is free.
12. The pawnshop bears full financial responsibility for the pledged property within the limits of the assessment amount established in the agreement. Insurance of the pledged property is carried out at the expense of the Pawnshop.
13. When pledging a product, the Pawnshop determines the degree of wear and the presence of defects in the product on a 5-point scale according to the price list (see price list), upon concluding the agreement and signing it, the pledgor confirms his agreement with the assessment of the products and further claims from the pledgors about non-compliance with the description of the products and their characteristics are not accepted.
14. The final settlement on the loan-collateral transaction is made upon repayment of the loan and payment of interest for using the loan, while the Pawnshop returns the pledged property to the borrower-mortgagor, thereby terminating the Agreement.
15. The pawnshop, carrying out credit and collateral transactions with citizens, proceeds from the conscientious and proper fulfillment by the parties of loan obligations in accordance with the terms of the Agreement. In case of non-repayment of the loan and failure to pay interest for using the loan on time, the Pawnshop sells the borrower’s property in accordance with the special terms of the Agreement, to compensate for loan obligations and compensation for losses (% of the delay in fulfilling the Agreement, maintenance costs and expenses for the sale of the pledged property). In this case, the Borrower’s obligations under the loan-collateral transaction are terminated.
16. The pawnshop reserves the right to refuse to issue a loan to a client, enter into a loan or purchase agreement without giving reasons.
17. The pawnshop reserves the right, in the event that the borrower/mortgagor faithfully fulfills all obligations under this agreement, to reduce the interest for using the loan in the following order:
Collateral - up to the loan rate of 0.15%, overdue 0.3% of the loan amount for each day the loan is used;
Purchase - up to the loan rate of 0.12%, overdue 0.24% of the loan amount for each day of use of the loan;
ITEM CONDITION:
1. Scrap - products with defects that do not allow them to be given a marketable appearance, namely: broken chains, stretched chains, bent products that cannot be restored, locks are missing or they do not work, one half pair of earrings, inserts are missing, etc. d.;
2. Bad - products that will require a long time and expensive repairs to make them marketable, namely: bent products, defective inserts that can be eliminated without replacing them, multiple deep scratches and chips, etc., non-working watch mechanism ;
3. Satisfactory - products belonging to groups 4 and 5, but which do not have a hallmark and/or a nameplate;
4. Good - products that have a marketable appearance, all samples and stamps are applied to them, all locks are in working order, but they show signs of long-term wear and scratches, abrasions and chips that can be polished;
5. Excellent - products that have a marketable appearance, all samples and stamps are applied to them, all locks are in working order, there are no visible scratches or abrasions, and the product does not have obvious signs of long-term use.
LOAN SCHEMES: COLLATERAL - a loan secured by jewelry for a period of up to 30 (thirty) calendar days (loan rate 0.15 - 0.39%, overdue 0.3 - 1.0% of the loan amount for each day the loan is used) , preferential storage period for unclaimed collateral is 1 calendar month;
* PURCHASE - a loan secured by jewelry for a period of 1 calendar day (loan rate 0.12 - 0.39%, overdue 0.24 - 0.8% of the loan amount for each day of use of the loan), preferential storage period for unclaimed collateral 1 calendar day is missing;
* GOLD EXCHANGE - a promotion for pawnshop clients, when handing over jewelry to a pawnshop, instead of loan funds, the client is given a certificate for the purchase of new jewelry in any Rosyuvelirtorg salon, while the valuation of jewelry and their scrap is more expensive.
THE PAWNSHOP RESERVES THE RIGHT TO REFUSE ISSUING A LOAN WITHOUT EXPLANATION OF REASONS!!!
