Re: Would you buy jewellery from H Samuels?
I'd be very, very cautious buying certain types of jewellery online. You're probably safe with basic gold. After that it becomes a crapshoot.
If you're buying silver, you really should see it in person, and you should check for a hallmark. Precious and semi-precious stones definitely need to be thoroughly eye-balled because that's the only way you can check for flaws, feathers, zoning, windows, and poor cutting. Never buy pearls online (unless say you're buying direct from Mikimoto and the pearls come with a guaranteed grading -- such as AAA+).
When buying something with a stone, you really have to do your homework. Lots of stones are sold as something they aren't. You'll find lots of citrines marketted as "xxx topaz" -- smoky topaz, cognac topaz, golden topaz, etc. I think a lot of blue topaz out in the market is actually tourmaline (or some other stone I'm forgetting the name of at this moment.)
I'm a bit out of my element with rubies, but you have to watch where they originate. Some aren't actually "rubies." Others are lesser quality stones that have had their colour enhanced through radiation treatments. (That's always a telling question to ask a jeweller. Some will deny any stone is ever irradiated, some will say it is industry standard practice, others will say it is done selectively. Honestly, I don't know exactly how common it is. I think falls somewhere between the second and third statement.) [Edit: I just realized I misread what you wrote. I thought you said, "ruby" not "rub over" -- I have no idea what "rub over" is. Are you talking flush mounted or something else?]
Looking at the bracelets, I'd be suspicious about what they actually are. I really don't think you're getting nine carats worth of stones. If I had to guess, I would have said less than half that carat weight. I used to have a pretty good eye for this sort of thing, although I'm out of practice these days (and it's tougher to get a sense just looking at pictures on the Internet).
All that said, if all you want is something pretty that doesn't break the bank, you're probably fine to pick up the odd piece or two from someplace like this online retailer, but if you're really after a special piece find a decent jeweller and trust your eyes and your gut.