To qualify for finance, you must:
• Be at least 18 years of age
• Have been a UK resident for 3 years or more
• Be able to make repayments by direct debit
• Be in regular employment* (minimum of 16 hours per week) including self-employment, or in permanent residence with your spouse/partner who is in regular employment

*If you are retired and receive a pension or registered disabled and unable to work, V12 Retail Finance may ask for proof of sufficient income.

We’ll need to ask you for some information during the loan application process, such as name, 3 year address history, date of birth, email and telephone contact details and employment/income information. If you are accepted you will also need a credit or debit card registered to you at your address on the credit application so that V12 can carry out an electronic identity check.

We expect that you will be given an acceptance or decline decision very quickly - sometimes within 10-20 seconds. In some cases, V12 may return the decision as ‘referred’. You will then receive an email with further instructions once their underwriters have made a decision. We’ll call you back as soon as we hear any news regarding the decision, which hopefully won’t take too long. Underwriting hours are between 8am and 8pm Monday to Friday (excluding bank holidays), 9am and 6pm on Saturday, and 10am and 5pm on Sunday. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.

For finance orders, we are only able to deliver the goods to the address on your credit agreement (your home address). You will not be able to have the goods shipped to another address or collect the goods from us in person.

If you wish to return your order then please refer to our returns policy here. If we accept your return we will contact V12 to cancel the credit agreement. We will not able to cancel the finance if the return falls outside of our returns period.

You will be informed of the decision if V12 declines your application - they are unable to share the reason for decline with us. Applications are usually declined for reasons such as:

• You do not meet the eligibility criteria (see above)
• Adverse credit reference agency information
• Your credit score
• You are considered to be overcommitted
• Your existing account performance with other lenders

V12 will give you the contact details for the credit reference agency used. They will also give you information on how to appeal the decision if you want to discuss the matter. Please note that they are unable to discuss this over the telephone due to Data Protection rules. Also, each lender applies its own credit score to applicants so if you have recently been accepted for credit elsewhere this does not necessarily mean that appealing the decision on this basis alone will result in a change of decision.

Richer Sounds acts as a credit broker and only offers credit products from Secure Trust Bank PLC trading as V12 Retail Finance.

Secure Trust Bank is registered in England and Wales 541132. Registered office: One Arleston Way, Solihull, B90 4LH. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550.

Richer Sounds is registered in England and Wales 12345678. Registered office: Richer Sounds PLC, Richer House, Gallery Court, Hankey Place, London SE1 4BB. Richer Sounds is authorised and regulated by the Financial Conduct Authority. Our registration number is 1402643.