H&T Group plc is a non-trading holding company for Harvey & Thompson Limited and H&T Finance Limited. The Company operates in six segments: Pawnbroking, which is engaged in providing secured loans against collateral; Gold Purchasing, which is involved in buying Jewelry directly from customers through its stores; Retail, which is involved in retail sales of gold and jewelry, and the majority of the retail sales is forfeited items from the pawnbroking pledge book or purchased second-hand jewellery; Pawn broking Scrap, which consists of all other proceeds from gold scrap sales other than those reported within Gold purchasing; Cheque cashing includes two products: Third Party Cheque Encashment and Pay Day Advance, and Other financial services consist of KwikLoan product, Prepaid debit card product and the foreign exchange currency (Euro and US Dollar) service.