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?