Loads of people stating you need a bad credit rating to be given credit. This is actually absurd and a fairly petty way of reviewing a company. I have borrowed from V12 about 5 times now and never had any issues. 3 musical instruments and 2 bikes. I have a high credit rating as per credit wise.
Just wanted to share my thoughts, got accepted instantly for 12 months interest free on a rather expensive gift for my fiancee, made 4 months worth of payments and on the 5th month paid off in full via their online portal, no problems at all and no fees! Happy Experience, thank you for all your help!
I made an application.(still waiting to for a decision). Terrible service, They aim to waste as much time as possible (instead of making a approval or disapproval). The prolonged process to approve such small financial reviews is unheard More
Reminder for me. Not to bother with this company. Called them. Didn't get anywhere on why they would decline... depressing. I have a Good credit
I do not fully understand the bad reviews. Perhaps people do not read the finance agreement properly . I have purchased many things though V12 on BINPL ( Buy now pay later ) , their staff have allways been helpful . I will knock off a star due to the online portal does not mention or detail the interest free period . Though staff will happily explain it when called .
Applied for finance through Beaverbrooks for a watch, approved with no trouble, credit score was already great, self service portal is nice and easy to use. Will happily use again
First class service, quick finance, 2 changes of payment dates to account for a week when i were a bit short. No problem whatsoever. Most efficient and friendly finance company ive ever used, recommended
Bought a bike from Halfords using V12 - no problems at all. 0% interest over 12 months made it way more affordable than a credit card! At the beginning of the finance period, I had to call to change my monthly repayment date - was done quickly and easily.
Absolutely terrible have a perfectly good credit score never had finance apart from a credit card that's always been paid on time or early and still get declined for credit absolute joke of a company
As with quiet a few people, my husband and I have tried to get interest free credit with this company (excellent credit references 992 & 999 out of 999) and get turned down lol - had we not really like the sofa set we would have walked out of the shop but have now bought the furniture with cash - as a lot have stated it seems that if you have good credit rating they don't want you - just praying on the ones that can't afford it!!!!!
Good so far and I've used them before with no issues at all and was pleased with the service not sure about or why they have so many negative reviews as I've found them decent firm to deal with. Thanks
Dale in Customer Service. Arrogant and rude individual. Very blunt and no customer service skills whatsoever. Avoid at all costs.
Overall pretty good experience. Friendly customer service. However, sometimes it can take a while to get through.
Today I tried to pay an installment over the phone but the computer system crashed, an occurrence far too regular to be professional al in my view.
Very poor customer service, would recommend to avoid this company. Stated I was of work for a few weeks due to surgery they wanted to put me straight to debt recovery even though I had the means to pay and was looking at the most efficient way to do so. Paid the bill and never use these lowlifes again
Spoke to an extremely rude member of staff, couldn't have sounded more disinterested and condescending.
V12 ..well done with supporting the customer during and issue!
Extremely appreciated ..exemplary and fair .
Hassle free applied for finance after been declined by creation got referred asked me for statement and passport to prove identity which i promptly sent with less than 24 hours got accepted and my new tv on the way what can i say top stuff merry Xmas v12 finance and interest rate 19% compared 29% everywhere else
As far as possible from this company. from a 24-month loan, without interest, I suddenly got 36 months, because they charged me about 30% interest.
Terrible company they don t reply to emails and
have a very bad attitude to there past customers .Dont bother with them.
absolute disgrace keep away ! i have been trying to resolve a payment issue since Dec 2108 with no success, this company refuses to discuss any payment issues even after 12 emails and over 20 phone calls they are rude and arrogant with no access to a manager to complain stay away !
My credit rating is fair and I ve never struggled to get accepted with this company. I ve got just got a bike out on finance with them on top of something else and I got accepted straight away, and they re always helpful when you ring them.
My experience of V12 with three agreements is excellent they are most reasonable and flexible and appear to operate on an ethical basis. The staff are courteous and polite and I would have no hesitation in using them again.
Never had a problem with v12 - customer service has always been top notch.
My older parents wanted to buy some furniture. They ve never had loans etc so the finance agreement was deferred and they provided the relevant ID. 2 days of hearing nothing, my mother rang the company only to be told that she is not allowed to use my dads email address. (She doesn t have a email address herself) and that basically, if she hadn t Of just rang up to enquire about the finance progressing, well, she wouldn t have known what was going off. They had her mobile number so could have notified her via phone of their finance decision. She was then told on the phone that she d have to do it all again online. No thanks. They ll take their custom elsewhere. I don t see why a email address should matter. Not all over 60 s have the internet and email access you know. Pretty poor service really all over a email address...
Took credit out to pay for something. Then tried to pay the debt off with a credit card before the repayment started. Was told i wasn't allowed to pay a 19.9% debt off with a credit card. Says nothing in the credit agreement. SHARKS!!
Tried to get finance for a purchase, was asked to send a bank statement as proof of income, I sent the statement but they wouldn't accept it as it's a joint account and my wife's name was the main name on the account even though my name was clearly displayed in the corner of the statement along with account number etc. They obviously didn't want my custom.
Terrible Company. Paid Thousands to integrate their system onto our website to offer finance on our products for them to turn round and terminate our account because they no longer deal with Motor Trade. Didn't mind taking our money though!!! AVOID
I have borrowed money from V12. Some at 0% others at high rates. No issues whatsoever. The online system works well and it's easy to make overpayments.
Brilliant place & good price car's! Definitely recommend them. Both myself & the wife have had a car from V12
Absolutely shocking service. Don't make things very clear. Charge nearly twice the amount the item is worth. Hide things in terms and conditions. How a big company {AO} can use a shocking service like V12. I don't know. Catch you out and then trap you down. Be careful if you have to use this company.
If I had one question to ask this company it would be...who exactly is your target customer base.
So I'm struggling to work out who this company's target customer base is and bearing in mind how ridiculously stringent they are, how they actually have any customers to be able to trade as a business.
Anyway, to highlight this company's utter foolishness, I set up a loan on a good rate with no trouble whatsoever the following day, despite the decline the day before.
Utter joke of a company and I'd love to know the finance application pass rates because I bet it's less than 10% based on the consensus online!
Declined my application as soon as I submitted it when I rang they asked my name and postal code and said no, no credit check was done just a straight no
Do not use! They make it nearly impossible for you to pay off interest free loan early because they try tip you over the policy end date so you re tied into monthly payment. Shameful!!
Used this company through scan to buy a laptop and they have been pretty silent benefactors except when I needed to change my address for billing purposes (least I thought I had to) but the man was very helpful and said nope it's all tied to your bank.
Never had any problems financially so I guess I'm one of the lucky ones so I can't comment on their service that much but based off of my experience with them if you are financially sound and honest about how much you can repay at the start everything works fine.
Absolutely Terrible Company. Have Ignored me repeatedly!! Their email address is not Functional and they do not Help the Customer at all, Clearly on the Retailer Side. Should not Be Allowed. Shockingly Bad Service - Avoid them at all Costs!!!
Very nice lady called Sam called me to make sure everything was OK and to check my details were correct. Had a problem with an item I bought from a retailer and Sam from V12 was helpful and is on the case with the retailer. Sam is very keen on resolving the issue and getting the best outcome.
Thank you sam
King regards
CARL ARMSTRONG
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
Excellent CUstomer Service , very serious Company !!!I defenitly raccomend it
They are one of the BEST, if not the best. They are very helpful, understanding, professional and down to Earth. I recommend V12 for your car dealings concerning Finance, purchasing ect. They are so Good. ONE TOUCH.
These are a joke, during this hard time I arranged a payment date with them and a payment holiday. I get harassed on a daily basis emails and txts saying pay your missed payment. I spoke to them, they said sorry but still keep gettting harassed. Like times are not hard enough. Worst company ive delt with.
Don't know why there are so many negative reviews. I have used V12 twice now in the past and they have been very good. If you have finance, you need to pay it off! Pay it off & everyone is happy.
Terrible, Hideous company with below ZERO customer skills or care. You will NEVER get an email reply and they will ask you to call and wait over an HOUR for no-one to pick up the phone. And when you email them to call you, they never will.
And on the webpage it says "up to 20 minutes".
I have dealt with company many times before and repaid early. But after making a application with them a few days ago I was told where to go.
They turn anyone down with history or not and with perfect history
They must be short of money to lend so please read all the one stare reviews, before making a application and marking your credit file. As there is a good chance you will be refused. You have been warned..
I always find V12 finance a reasonable company to deal with. I've had many finance plans with them via various retailers and genuinely find it hassle free. When I make an application for a larger ticket item in store who confirm they use V12 finance I would always choose this option. Perfect for me and my needs
Great company and customer service. Easy way to delay repayments which came hopeful at times, also easy to settle account early
Poor customer service, plus it takes forever to get things done. Never knew it was so complicated getting credit for someone with an outstandingly perfect credit score.
Just finished my 2 year finance deal with v12,without any trouble at all...
Thanks v12 for helping me...
Till next time
Very rude customer service, the customer service staff was not emphatic and not helpful. I was only asking for information (after passing the security) about the agreement and she told me to go back to my vendor! A question could be answered by a yes or no and yet she just kept on talking. I was asking about the phone number of their company and said it should be on my screeen, I would not ask in the first place. What she doesn't know was my blood pressure was already going high and yet she still kept not recognising that she needs to slow down and only answer questions and be helpful. Extremely rude!
After reading some reviews I was sceptical about taking out some finance with these guys but from my personal experience I have had no problems whatsoever and btw I have an excellent credit score, so for the people that have said they only accept people with bad credit hoping that they will get into financial difficulty this has not been the case for me. Thank you V12: )
Utterly useless. Incompetence personified. Don't receive emails. Don't call back. Don't show any customer care.
Used V12 twice. Never any issues and staff are always polite. What more do you need?
I was charged even though you knew my policy was cancelled 42 days prior. Laptops direct were withholding the money. You were fully awear of this along with the fact laptops direct were ignoring your response for the refund. Why I should be the one to occur the costs because of this is beyond me. Initially told I would have to wait upwards to 50+ days to get this sorted, while also being told I might get charged again in meantime. When I wanted to put a formal complaint in I was told I might have to wait 3-5 working days to even do this.
What I will say though after that call you did indeed sort it out that same day. So I appreciate that and the help your employees gave. I am Still waiting on refund though which might be another week. Overall I was a bit shocked at how it was initially handled. I blame laptops direct more than yourselfs for making your company look "sketchy"
A very negative customer experience and one I thought worth writing about. I tried to order a bike through a third party site using V12 Retail Finance's 6 month 0% interest scheme. I had thought that I would have been able to get this bike delivered to a specified address, particular since we are all in lockdown and in the midst of a global crisis, however V12 were unable to process this and stated the bike HAD to be delivered to the billing address provided to them. Given we're just trying our best here - I had hoped V12 might comply too but they were unable to, stating "there was nothing they could do about it" which is also utter rubbish.
They failed to come back to my messages and left me frustrated, disheartened and fairly upset all things considering. A very negative customer experience and one I thought worth sharing with the world. V12, you need to look at this as I'm sure I'm not the only customer left with a sour taste in my mouth...
Really happy with them I have 3 finance with them and no problems whatsoever :)
dishonest company. I just filed a formal complaint with them and am ready to go to Financial Ombudsman Service if required.
Fantastic Company Easy to deal with and great Rates Thanks
worst place to get finance ever. don't do it, charge you nearly double of the original price and some.
When I was applying my info, their system failed to accept my email. The funny thing is, when I had tried to enter my mobile number it didn't accept it, while it accepted any other random number.
Refused despite excellent score, income, savings and spotless record. Won't share the information, leading me to believe that they will only accept applicants who may not easily afford repayments (and perhaps therefore recoup further fees and penalties similarly to payday loan providers). My FA has suggested I report V12 to The Ombudsman for concerns surrounding their practices, which I will now do.
I took out a finance agreement with this company around 2 years ago. The agreement was for 4 years.
However, recently I decided to try and pay this off.
I planned to ring up the next month and pay this off.
I rang the next month expecting to clear the balance to be told that the outstanding amount was actually over double what I was advised previously - Rather disappointing.
I made a payment towards this anyway, and again advised I would ring the next month to pay the remaining balance that was left.
I rang the next month to pay this, the customer advisor I spoke to said it was all clear and my account would be closed and a letter posted out to me to say I had paid it all. I was very happy as I d worked very hard to pay this off sooner. The same day I checked my online account only to see that it said I still had a remaining balance so I called back straight away and asked them if they were sure I had paid the full balance, they confirmed I had paid it all.
Declined credit for what reason exactly?!
Seems they don't want my money as they know I will pay it back.
Only want customers that have a high chance of not paying so they can charge exorbitant interest and extra charges.
Avoid these lot and just get the money from elsewhere, as they will ruin your credit history
Automated system doesn't work and the registration process online either. Most unprofessional finance company I have ever encountered. NEVER AGAIN!
Great service. Very easy to set up. Changed my payment date without issue. Interest free for me. Whats not to like. Awesome and very happy. Thank you.
Perfect credit score. Messed around and then declined credit. Only want customers that have a high chance of not paying so they can charge exorbitant interest and extra charges.
This is beyond a shadow of a doubt the WORST company I have ever had the misfortune of dealing with. They have ignored complaints, pressured me in to paying more than I can afford, told me that they have listened to complaints calls a month before they were made, refused perfectly good payment offers (threatening credit markers and debt collection agencies if I don't pay more). Their customer services is ABYSMAL, it's a case of "Be a good consumer and pay us more, then go away!" Totally unacceptable. They call you up to 5 times a day, even if they speak to you on the phone, not even 24 hours after a payment fails... to tell you they are collecting it 14 days later, but you have to pay it then and there! And God help you if you complain, you are given guilt trips and told it is basically your fault. If you do a SAR request, you are quizzed as to why you want it and barriers are put up in your way to stop you from accessing it. My heartfelt advice is STEER WELL CLEAR!!! If I could rate in minus figures I would. IF YOU MUST DEAL WITH THIS COMPANY, PRINT OUT THE DEBT COLLECTIONS GUIDELINES FROM THE OFT AND KNOW YOUR RIGHT, DO NOT GIVE THESE PEOPLE A TELEPHONE NUMBER EITHER!!
I've been using V12 for 3 years, never had any issues.
I have a average credit score and had no trouble to get accepted for a loan. I then decided not to go ahead with it within the 14 day cooling off period and I phoned customer service and it was easy to cancel and delt with ease.
Stay away from this finance V12 group!!!! Horrible experience with V12!!!!
The best finance company I've dealt with, excellent service and great support from customer service, can't fault them.
Always come out tops for me great company to deal with 5 star rating.
Declined finance even though I have an excellent score with all 3 credit agencies, wouldn't take finance out if I didn't, avoid like the plague will take my business elsewhere
Still waiting for the reply to my emails, couldn't get to talk with them at the phone EVEN to cancel the service... don't get tangled with these guys
Expected my shiny new guitar to arrive on Tuesday but unfortunately V12 have yet to transfer the funds to the third party meaning I have no guitar for my gig Friday. Cheers V12 have a great weekend.
Used V12Finance multiple times over the last couple years and I'm yet to have a negative experience with them. Flawless service and brilliant customer support. Would recommend to anybody.
If you have a good credit avoid them. they ll mess it up! For some reason they only take people with bad credit.
DANGER,Unbelievable, droped my credit score,hard search on credit score,and declined, all for 300 pounds,avoid this company, Pay by card,this i gonna do,
Very poor customer service officer and not much better so called customer service manager . So officious & jobs worth s .. totally not trained in actually helping customers with problems! Would like to cancel but I guess we re stuck with them for 3 years ... god help us!!!
No problems at all with service. Most negative reviews seem to be people bitter that they got declined.
Wasted my whole morning being passed from department to another, despite providing all necessary information and passing credit checks.
V12 Retail Finance Limited is a leading provider of retail finance solutions in the UK. The company's cutting-edge technology-led approach helps retailers give customers the freedom to purchase how, when and where they want. With over 20 years of experience in the industry, V12 Retail Finance has established itself as a trusted partner for retailers looking to offer flexible payment options to their customers.
One of the key strengths of V12 Retail Finance is its ability to provide tailored finance solutions that meet the specific needs of each retailer. Whether it's offering interest-free credit or longer repayment terms, V12 Retail Finance works closely with its partners to develop bespoke finance packages that help drive sales and increase customer loyalty.
The company's innovative technology platform makes it easy for retailers to integrate finance options into their checkout process, providing a seamless experience for customers. This means that shoppers can apply for credit quickly and easily without having to leave the retailer's website.
In addition to its core retail finance offering, V12 Retail Finance also provides a range of other services designed to help retailers grow their business. These include marketing support, training and development programmes, and access to valuable customer insights.
V12 Retail Finance has built a reputation for excellence in customer service thanks to its team of experienced professionals who are dedicated to delivering outstanding support at every stage of the customer journey. From initial enquiries through to post-purchase support, V12 Retail Finance is committed to providing an exceptional level of service that sets it apart from other providers in the market.
Overall, if you're looking for a reliable partner that can help you offer flexible payment options and grow your business through innovative financing solutions then look no further than V12 Retail Finance Limited. With its cutting-edge technology platform, tailored finance packages and commitment to outstanding customer service, this company is well positioned as one of the leading providers in this space.
v12retailfinance.com
