A colleague at work sells gold in installments. I choose the gold, and she buys it with her money, then sells it to me with a one-third increase. Is this considered usury, or is it just a sale of goods like any other installment sale? If I buy it due to the long distance between us, using my own money, and when I meet her, she gives me the money back and adds her profit margin, telling me to pay a certain amount each month, and she says she only did this after going to the Fatwa House and they gave her their opinion, saying it is not forbidden. I also want a definitive answer from you because I have actually purchased it. What should I do if it is forbidden after I have bought it?