Michael Beck

Review of V12 Retail Finance Limited

If you can avoid using this company do so. I Appli...

If you can avoid using this company do so. I Applied for credit and was accepted in aug 2020 after purchasing a 3+2 from a well known sofa company. Delivery date October. Due to changed circumstances I wanted my delivery to change to a different address big mistake your not aloud to move and although the sofa company was happy to accept the change of address and book delivery once the finance company got wind of this I was called and grilled like a criminal who was about to defraud them. I spoke to a rude young man and then asked to speak to a manager I explained I gifted my sofa to a local charity and now I m being refused 5 days before delivery I can prove my identity etc but he was having none of it and the credit was cancelled and the delivery will be cancelled so thanks for that being honest had the opposite affect and made me look suspicious and that I was about to defraud them. Surely they would want to know we re the goods would be delivered although if I d have not called to explain a change of address delivery would have been made I could have been there to sign for it with an awaiting hire van and scarpered now that would have been dishonest and fraud and that would have been fine. So being honest got my credit stopped I ve not got any other huge unpaid debts and have a credit card with a large credit limit and this company griddled me like the police spoke down to me and accused me of being suspicious and a fraud risk I ve never been as insulted in my life. At 0 Apr they seem to want bad payers so that they can benefit from default charges etc and if not they just drop you at last minute and make accusations all because I wanted my sofa delivered 5 miles away from the address when I made my application In August. So please don t think that if you get accepted your goods will come I d waited 9wk - 10 wk for a delivery and dropped at last minute so we re spending Christmas on the floor but the good news from the finance manager is I can make a new application online with my new address and re-apply according to them and wait another 9-10 wk with the sofa company and make a completely different order with the sofa company as the previous order as been cancelled NO THNKS stuff it Were the sun don t shine. Please for your own mental health don t bother look elsewhere calling Cardiff to this company and Covid cut backs then being let down days before delivery just before Christmas all because of trying to do the honest thing as not just left us on the floor but my brain is fried and as stated earlier treated & spoken to like a criminal.They do not care when it s a 0apr