H&T Group Plc engages in the business of pawn broking, gold purchasing, retail of jewellery, cheque cashing, unsecured lending and other related services. It operates through the following segments: Pawnbroking, Gold Purchasing, Retail, Pawnbroking Scrap, Personal Loan, and Other Services. The Pawnbroking segment provides loan secured against a collateral products, which comprises precious metals, predominantly gold, diamonds and watches. The Gold Purchasing segment purchases the goods for cash on the spot. The Retail segment offers small amount for new or second hand jewelry purchased from third parties by the Group. The Pawnbroking Scrap segment comprises all other proceeds from gold scrap sales other than those reported within Gold Purchasing. The Personal Loans segment comprises of unsecured lending activities. The Other Services segment comprises Third Party Cheque Encashment, Buyback, Foreign Exchange currency service, Western Union commission and Prepaid debit card product. The company was founded by Charles James Thompson and Walter Harvey on July 1, 1897 and is headquartered in Sutton, the United Kingdom.