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Regulatory Information

V12 Retail Finance

Ian Blowers Jewellers Ltd, 43 Savile Street, Hull, HU1 3EA loan agreements are only available to UK residents over 18, subject to status, terms and conditions apply.

We may pay brokers some consideration if they introduce business to us.

Ian Blowers Jewellers Limited

We work exclusively with V12 Retail Finance as a lender.

What is V12 Finance?

Blowers Jewellers are happy to announce we are now working side by side with one of the UK’s leading finance providers, V12 Retail Finance.

The V12 Finance scheme enables you to pay in instalments over a certain amount of time, all in the comfort of your own home. V12 Finance have an easy way to spread the cost with their ‘instant decision’ technology, which enables you to apply for finance online instantly through any applicable product.

How does V12 Finance work?

V12 Finance is available for purchases up to £15,000, excluding accessories. A range of finance options are available depending on the product.

How much does using V12 Finance cost?

V12 Finance offer an interest free loan over 6 months or alternatively you can choose to extend your repayment period in return for a small interest charge. The interest rate will vary due to the length of the loan you wish to take out.What if I’m not eligible for V12 Finance?If you don’t see the finance button on item you are interested in please contact us as we can sometimes arrange a bespoke finance package for you.

How much can I borrow?

You can borrow up to a maximum of  £15,000.

How long does it take to apply online?

Our online application form typically takes only a few minutes to complete. You will receive a decision online at the end of your application. If your application is successful, your order will be processed.

What are the requirements for finance?

 You are a permanent UK resident and able to supply 3 years address history

 You are in employment or retired and receive a gross annual income of at least £10,000

 You have a good credit history

 You have a debit or credit card

 You must have a UK bank account capable of accepting Direct Debits.

 The goods must be delivered to your home address.

 The deposit must be paid using a credit or debit card.

Can I cancel my credit agreement if I change my mind?

You have the right under section 66A of the Consumer Credit Act 1974 to withdraw from the agreement without giving any reason before the end of 14 days (beginning with the day after the day on which the agreement is made or, if later, the date on which we will tell you that we have signed the agreement). If you wish to withdraw you must give the finance company notice in writing or by telephone or email. The name of your finance company will be clearly shown on your credit agreement (see contact details below). Please note that if you do give notice of withdrawal, you must repay the full amount of the credit without delay and in any event by no later than 30 days after giving notice of withdrawal. If you want to settle the loan after the 14 day cooling off period, you may do so but you will also have to pay interest accrued from the date the agreement was made until the date you repay it. If you wish to pay by debit card please telephone the finance company. If you wish to pay by cheque please send it by first class post to the finance company. Please allow 10 working days from the day you post the cheque to allow time to process the payment.

20, Neptune Court, Vanguard Way, Cardiff CF24 5PJ

Will the finance company perform a credit check?

Yes. A credit check forms part of the automated decision making process and is part of a responsible lending policy.

Do I need a bank account?

Yes. You must have a UK bank account capable of accepting Direct Debits.

Do I need to pay a deposit?

Yes. If your credit application is accepted, you will be required to pay a deposit online, using a credit or debit card. The amount of the deposit is shown in the credit summary (displayed on the top left hand side of the screen throughout the credit application form) and on the credit agreement itself.

How do I repay the loan?

Your monthly repayments are collected by Direct Debit.

Can I pay my agreement off early?

You have the right to repay all or part of the credit early at any time – you should contact V12 Retail Finance for details by phone, e-mail or letter at the following;

20, Neptune Court, Vanguard Way, Cardiff CF24 5PJ

How much does the loan cost?

The total cost of the loan is shown clearly on the finance agreement.

Are there any other charges?

If you fail to pay any amount you owe under the Credit Agreement by the date it is due, the finance company may charge you interest on that amount, they may also levy additional fees – details of these can be found in your copy of the credit agreement which is available to you as part of the application process and also supplied to you as part of the welcome pack you will receive following acceptance of finance.

How long before I have to start to repay the loan?

The finance company will write to you to confirm the date that your repayments will commence. The first payment is typically due 30 days following the date of delivery of your order.

What APR will I be charged?

The APR is shown clearly on the credit summary (in the top right hand corner of the screen) throughout the credit application process. It is also shown clearly on the credit agreement itself. The APR for Interest free credit is 0%.