Consumer Affairs and Fair Trading Act 1990
306Civil consequences of breach of breach of section 247
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306 Civil consequences of breach of breach of section 247 If a pawnbroker's licence or a pawnbroker/second-hand dealer's licence is not held by a person who acts as a pawnbroker, the other party to a contract with that person: (a) is not liable to repay the money lent to him or her or to pay any interest or any charge in connection with the contract; and (b) is entitled to recover the goods the subject of the contract; and (c) if he or she has paid or repaid any amount referred to in paragraph (a), may recover the amount in a court of competent jurisdiction as a debt due to him or her by the person acting as a pawnbroker.