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If you have a question, need more information or if there is something you don`t understand about the credit contract, call V12 Finance on 029 2046 8900 or ask for free advice, regardless of organizations such as citizens` advice or money counselling centre. If you would like to return the article, please read our return conditions. If we accept your return, we will contact the lender to terminate the credit contract. We may not be able to cancel funding if the return is out of our return time. Phillip Stoner is pleased to offer our customers the opportunity to apply for a simple financing contract to finance a purchase from us. Once you have been accepted by V12 Retail Finance, you will be asked to sign the credit agreement and once you have received your purchase, V12 will make your contract live and start your monthly repayments for the agreed duration. To order with finance, simply add your selected products from this site to your shopping cart and cash register in the usual way (subject to the minimum value of the order), then select the financial payment option to apply for financing online, and then you will be redirected to the V12 Retail Finance Limited site to launch your financial application. Funding is subject to status. From time to time, we may change the terms of our financing offer at our discretion. To apply for funding, you must be 18 years of age or older, have a regular job and have been living in the UK for more than 3 years. Other conditions may apply and we cannot guarantee that your application will be accepted.

We reserve the right to remove certain products from the financial situation at any time. Financing as a payment method is provided by our external partner V12 Retail Finance. If you are successful, you enter into a credit agreement with V12 Retail Finance. The minimum value of the order to apply for funding on this site is $500. Finance Provided by V12 Retail Finance John Packer Ltd. is registered in England and Wales No. 2964334 in St. Ann Street, Salisbury, Wiltshire, SP1 2DR. John Packer Ltd.

acts as a credit broker and not as a lender and offers credit products from Secure Trust Bank PLC, which are traded as V12 Retail Finance. John Packer Ltd. is licensed and regulated by the Financial Conduct Authority. Registration number: 726537. Credit is subject to age and status. Yes, if accepted, a down payment of at least 10% must be paid, the maximum down payment for each order is 50%. How are my monthly payments made? All monthly payments are paid by debit to your personal bank account. As a general rule, the first payment is due one month after the date of the delivery financing, the subsequent monthly payments are due each month for the duration of your period to that date of the month. Kross UK has partnered with V12 Retail Finance Limited («V12») to offer our customers an affordable and flexible way to pay on financing. V12 is a specialized provider of Retail Point of Sale Credit and has been offering financing options for more than 20 years through its leading online paperless processing system. In short, retail financing gives you the flexibility to buy what you really want now, not just what you can afford today by paying the cost of your purchase over a repayment period that matches your budget. Our online application form is a quick and simple process.

Once your application is completed, it is sent immediately to the financial company and you will receive a response as soon as possible. It may take longer to process some applications. If, for some reason, we cannot give you an immediate decision, you will be notified by email as soon as a decision is confirmed as part of the application process and by email. Secure Trust Bank PLC. Recorded in England and Wales 541132. Approved by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Headquarters: One Arleston Way, Solihull, B90 4LH. V12 Retail Finance is a business name of Secure Trust Bank PLC.

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