1. RETAIL FINANCE OPTIONS
   Retail Finance gives you the flexibility to buy what you really want, by spreading the cost of your purchase over a repayment period that suits your budget.
   So that’s why we work with V12 Retail Finance to offer a range of simple and straightforward finance options: to help you buy the things that matter to you at the time that you want them.
   
   
2. ELIGIBILITY CRITERIA
   To be eligible to apply for finance you must:
   • Be at least 18 years of age
   • Have been a UK resident for at least 3 years
   • Have a debit or credit card in your name, registered to your address in order to cover deposit (if applicable)
   • Have a Bank or Building Society current account available (you’ll need this in order to complete direct debit instruction)
   • Be in regular employment* including self-employment, or in a permanent residence with your spouse/partner who is in regular employment, or be receiving a pension or a disability benefit
   
   *V12 Retail Finance may ask for proof of sufficient income. Finance is not available for unemployed individuals.
   
   During the application process, you will be asked for your personal information such as name, 3-
   year address history, date of birth, email address, telephone contact details and
   employment/income information.
   
3. APPLYING FOR FINANCE

V12 Retail Finance offer our customers the ability to apply for finance to fund purchases from Desser & Co using V12’s simple application process. Just select the products you wish to purchase and select the option to pay by finance complete your application for a quick decision.

Once accepted by V12*, you will be asked to use V12 eSign facility to sign the credit agreement and Desser & Co will be notified to dispatch your products.

V12 will make your agreement live and your monthly repayments will commence as detailed in your agreement.

*Subject to age & status. T&C’s and minimum spend apply. You must agree to the lender’s Terms and Conditions and electronically sign the Credit Agreement before we can dispatch the goods to you.

4. FINANCE OPTIONS AVAILABLE
   
   Interest-Free Finance
   The interest-free finance option allows you to split your payments over 6, 10 or 12 months with no arrangement or early settlement fees. This option is available for orders over £300.

5. PROCESSING TIME
   
   With most applications, we expect that you will be given an acceptance or decline decision within 10-20 seconds. In some cases, V12 may return the decision as ‘referred’. You will then be contacted for further information. Once the underwriters have made a decision you will receive an email confirming their decision. For in-store applications, you can usually wait in the shop whilst the underwriters review your application. Underwriting hours are 8 am to 8 pm, Monday to Friday, 9 am to 6 pm on Saturday and 10 am to 5 pm on Sunday & Bank Holidays. If your application is referred outside of these hours then you may have to wait until the next working day for the decision.
   
6. DECLINED CREDIT APPLICATIONS
   
   Should V12 decline your application they are unable to share the reason for the decline with you or us. 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 wish to discuss the matter further. Please note that V12 is unable to discuss this over the telephone. You should also note that 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.

7. DELIVERY
   
   For orders made online using finance Desser & Co are only able to deliver the goods to the address on your credit agreement or an address approved by V12. The collection of goods from the store or delivery of goods to addresses not approved by V12 is not permitted.

8. RETURNS & CANCELLATION PROCEDURE
   
   If you wish to return some or all of your goods please refer to our returns policy. If your return meets our returns policy, we will contact V12 to update or cancel the credit agreement.

9. THE LENDER
   Desser & Co 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.