To maintain women Rolexes pawnbroker and Chanel handbags their lives of the middle class

With two young children ,Hermes Birkin Bag, a nice house in the countryside in Surrey and a thriving business , Jane seemed Wall - Budden to have everything . Like many of his contemporaries , however, the 30 -year-old also had a cash flow problem. With his company , designer baby abuse, faster , they needed money to keep going and at the same time comfortable family life . For most people this would mean to the bank manager, cap in hand , to beg for a loan . Jane , however, opted for a different approach. Nestled in his home Byfleet had two watches , Cartier and Rolex, they quickly went to the local pawn shops and a loan of £ 3,000 . "I needed an injection of money to invest in a new product, I felt commercialize ," she said. "He has a good offer , but the bank when I saw a small craft and was not interested. " Frankly, the pledge of these watch - I just keep it in a bed drawer - . Had it was the only way I could get my hands on a lump sum I would say to anyone who was in the same position and lie about something was not of great personal value to do the same. " This is a striking example of the traditional image of the peasants customer change : poor strugglers Hocking family silver for money to buy shoes for children. At the present time , they are more likely to have difficulty in paying the costs of private schools. For Jane is not alone by far. The middle-class families than ever before are turning to pawnbrokers . Why ? Well, David Braithwaite from Citrus Financial Management, says there are several advantages that . Using a pawnbroker "It's probably cheaper than something like a payday loan, he said. But the big advantage of a pawnbroker is that you do not have to spend the normal credit check , as you would if you were for a bank loan or credit card apply . "That's as may be a simple , no questions asked way to get money. And you get to very quickly . " A pawnbroker generally lends up to 50 percent of the value of an item for six months. The customer repays the loan , plus interest at the 2-7 percent ( compared with an average of 19.5 percent to 17.3 percent on a bank overdraft and a credit card tend to be ) . Hermes Birkin Bags There is of course a catch. If the customer is unable to repay the pawnbroker within the stipulated in the contract, the pawnbroker takes possession and sells its products to the value of the loan and interest recovered. For the types of businesses in all, but it's worth taking a risk . In 1971, the famous fashion designer Diane von Furstenberg raised the money to start his business by pledging their infant wrap dress diamond ring. The dress became her signature and today his company is a multi - million dollar companies. And today , very few banks offer collateral loan business loans traditionally Deluxe is a growth industry. Take James Constantinou , 45, runs the Prestige Pawnbrokers in Weybridge , Surrey. Originally a real estate developer , he found himself living in an upscale neighborhood , surrounded by successful entrepreneurs and professional footballers houses million pounds. But while most people are rich in wealth in the middle class , they are often cash poor . Ideal clients to a pawnbroker , then , and his lucrative business was born. The office of Mr Constantinou are discrete and clear, with a counter and sofas make it look different professionally as a bank than anything . Units safely locked behind the scenes , but packed with expensive jewelry , designer handbags and dresses. Moreover, in the subterranean vaults , it is to save rare books and paintings , while secured in a series of transactions of different location rows of luxury cars, which were by their owners for cash pledged garages . Mr. Constantinou , who sells the property interests of its business development in 2009 , during the early months of the recession , said: " I ​​knew that people who live in houses with Ferrari million pounds on the drive that were short of funds - people who wealth built into cars and beautiful pictures, but it might not be as collateral to the bank. " They come here , and within ten minutes she can get away with a large sum of money or a bank draft . It's not just business people and high turnover Hocking Picasso Lamborghini, however . In recent years, women have become as much a cornerstone of their business as a pawnbroker . Lorraine Giacomelli , 41, of Richmond in southwest London , turned to a pawnbroker , as they had to struggle to pay for the upkeep of his house last year. " Money was tight because I divorced, says Lorraine , mother of two children , " when my bathroom flooded and I have not the means to fix it. I was not covered by my insurance , and while I could get a loan or use a credit card , I'm not in debt - and that's why I have not asked my ex-husband either . But he was very generous when we were married and a friend pointed out that I probably had thousands of pounds - worth of property nestles I could builder.buy Hermes Belt So I rooted in my closet and I found a pair of Christian Louboutin £ 1000 £ 2000 a Chanel handbag and a Hermes bag , which originally cost £ 17,000 .