Edwardian 15ct Gold Opal Heart Pendant With Gemstones that Spell Dearest

Applying for finance is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history (no late payments, CCJs, etc) and meet the following minimum criteria:

• Be over 18 years of age
• Be employed for at least 16 hours per week
• Be a permanent UK resident with a 3 year address history
• Have a good credit history with no late payments, debt relief orders or bankruptcy
• Have a UK bank account that accepts direct debits
• Your delivery address must match the one that you put on the finance application, which should match your bank account's billing address

Applying for finance is similar to applying for a new credit card. The details you provide are checked against public registers, such as credit rating agencies. To increase the chances of acceptance, ideally, you will have a good credit history (no late payments, CCJs, etc) and meet the following minimum criteria:

All you need to do is:

• Select the item/s you want, add them to your basket and proceed to checkout
• Choose ‘Pay by Interest Free Credit' at the checkout
• Select the instalment plan that works for you (3,6,9 or 12 months)
• Complete the secure online application and e-sign the form
• Receive an instant decision and complete your purchase

To apply for online finance, you must be over the age of 18, work at least 16 hours a week, or be retired with an income. You must also be a resident of the United Kingdom and have lived in the UK for the last 3 years or more.

Your monthly repayments will begin one month after your purchase has been delivered.

Yes, All repayments will be taken by direct debit from the finance company.

No. There are no arrangement fees or hidden extras.

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms.

Once you have agreed to the terms of the credit agreement The Antique Jewellery Company will be notified and you need do nothing more.

Please note that products will not be allocated to your order until your completed and signed agreement is returned and received by etika Finance UK Ltd. Shipment of your goods will follow soon after your agreement has been returned and received.

In order to safeguard against fraudulent applications, we regret that we're able only to deliver goods to the home address of the applicant.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants.  This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies.  This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly.

The credit scoring process does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

• Your credit score (please note that every finance company will score you differently)
• Adverse credit reference agency information
• You are considered to be overcommitted
• You are aged under 18
• Your existing account performance with other lenders

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we'll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales (07440512) and authorised and regulated by the Financial Conduct Authority (registration number: 697658, company address: WeWork, No.1 Spinningfields, Quay Street, Manchester, M3 3JE).

For more information please visit www.etika.com/uk.

Call us: +44 (0)20 7206 2477
Email us: hello@antiquejewellerycompany.com

Sent by DHL
Arriving at the end of the next working day

Orders up to £250.00
Sent by Royal Mail
- 2 working days to Western Europe *
- 4 working days to Eastern Europe *
- 6 working days to the Rest of the World *

Orders above £250.00
Sent by DHL
Arriving at the end of the next possible working day *

* These are estimates only and can vary slightly

Ring sizing will add a 2-3 days to the delivery estimate

In many countries, import tax/duty does not apply when purchasing antiques aged over 100 years old. We will therefore declare these items as ‘antique’, providing a signed and dated Antique Declaration.

Please be aware that you may be liable to pay local tax/duty or handling fees on imported goods.

Usually your country will have a website or customs office providing you with the relevant rates.

Please let us know if you are contacted by customs requesting supporting documents.

Further partial restrictions on importation of items such as ours exist in specific countries. Please contact us to make sure your country does not fit into this bracket.

We have no authority over a local country's customs department.

FREE

Contact us within 30 days of receipt of the item to let us know of your intention to return the item/s.

Return the item/s to us within the original packaging (including padded envelope). Attach the two DHL return labels provided to the outside of the parcel.

Drop off the parcel at your nearest DHL Service Point.

The buyer pays return postage and any taxes and duties applied.

Contact us within 30 days of receipt of the item to let us know of your intention to return the item/s.

We strongly recommend that you return the item/s via DHL Express International as we are not responsible for items that do not reach us. Import tax/duty may also be applied by UK customs if the item/s are not shipped correctly.

Return the item/s to us within the original packaging (including padded envelope). Attach the DHL return label supplied with your order to the outside of the parcel. If you are only returning part of your order, we will need to send you a new DHL return label.

Drop off the parcel at your nearest DHL Service Point, and hand the shipper the Antique Declaration that was attached to the outside of the original DHL envelope. Please request a copy from us if this has been misplaced.

Please be aware that international customs duties and sales taxes are NOT refunded for shipments outside the UK.

We take great pride in our collection of antique jewellery, one that embodies only the very best from across the ages. Under no circumstances will you find any reproductions and, unless stated clearly, all our items are in good condition and 100% original, free from enhancements.

All our items are one-offs, quite often commissions, meticulously handmade by skilled craftsmen of old. With the steady increase in international, mass-produced jewellery, our antique jewellery has a timeless beauty and charm that simply cannot be replicated.

With over 35 years of experience in the London trade, Olly Gerrish has a reputation as one of London's leading antique jewellery authorities; only the best examples from her stock are selected for the site.

Investing in a piece of antique jewellery can be a daunting process. We value our customers' confidence and peace of mind above all and strive to uphold a culture of trust and decency at all times. Our reputation for providing expert advice and support for our customers should reassure prospective customers. Should a customer for any reason be unhappy with their online purchase we will not hesitate to offer them a 30 day full money back guarantee.

Finding the perfect piece should be a fun and enlightening experience. To help achieve this we are here to lend our customers a helping hand and provide impartial expert advice. Building lasting relationships is far more important to us than a quick sale.

You can find out your ring size now by downloading our nifty Ring Measurer Thingy.

Sometimes it can be tricky finding out her size without being caught. In these circumstances we recommend saving your free sizing until after you've proposed or the recipient has received their ring. Just send your ring back to us via secure post or visit us at our London showroom and we will measure your partner's finger and take it to get sized.

We accept the following forms of payment:

We offer our customers in the UK the chance to spread the cost of their purchase with up to 12 months Interest Free Finance.

Check your eligibility for Finance

We accept instalments on a case by case basis:

• Weekly, fortnightly or monthly
• Maximum timeframe 3 months

A 20% non-refundable deposit will be needed to initiate the instalment plan

To discuss what works for you please contact us.

We can hold items for up to 72 hours. Please contact us to let us know if you wish to put an item on hold.

Alternatively, items may be reserved for up to 3 months, with a 20% non-refundable deposit.

Please note that this is offered on a case-by-case basis depending on the item in question.

All transactions are processed by Stripe, our third-party payment partner.

Stripe is highly secure, using industry-leading technology to keep your information safe. Visit the Stripe website for more information.

The Antique Jewellery Company does not store any financial information.