The ring was £550 and I paid approx £300 so far. It's not a lot of money, but we are in dire financial straits and I really need the refund. Thank you for your advice, I will write as you have suggested and see what sort of reply I get. Can I quote the sale of goods act or anything like that? I guess not since they have't actually sold it to me yet. I realise I was in the wrong by not paying quickly but there was no agreed timescale, just a little card with the amounts I had paid written on it and deducted form the total each time. Last time I went in it was still there but they are now saying it has sold this year. It was 2nd hand / antique so it's possible it even went up in value [?]. Thank you for your advice sorry, actual amount paid by me was £380 so far. Just in case that makes any difference

ok, I'll give it a go! thank you

Not an agreement as such. There was a little repayments card which I have, It says "All goods remain the property of xxx Jewellers until payment is made in full". But there is no specified timescale in which to pay. I realise I should have made the payments sooner, I have emailed a few times, but it's only now that they have responded. I just wondered what my rights might be, and hoped someone on here may know!

I reserved a ring in a jewellers shop and paid a deposit. I was paying some instalments but then became poorly and am now not in a financial position to finish paying. A couple of years has passed by. I contacted the retailer [small, local shop] who said they have sold the ring and I can't have my money back. They'll deduct 20% from what I have paid so far and let me choose something from the shop. Where do I stand?