V12 Retail Finance Limited: Ombudsman complaint record
35 published Financial Ombudsman decisions. 27% of them went the complainant's way.
At a glance
| Decisions published | 35 |
|---|---|
| Upheld | 7 |
| Partially upheld | 5 |
| Not upheld | 23 |
| Uphold rate | 27% |
| Last 30 days | 0 |
| Last 12 months | 6 |
| First decision | 2015-07-29T00:00:00+00:00 |
| Most recent | 2026-04-20T00:00:00+00:00 |
Most common claim types
| # | Name | Complaints | Upheld | Partially upheld | Not upheld | Uphold rate |
|---|---|---|---|---|---|---|
| 1 | Goods and services under S75 | 25 | 7 | 4 | 14 | 36% |
| 2 | PCP / HP mis-selling | 2 | 0 | 0 | 2 | 0% |
| 3 | Account administration errors | 2 | 0 | 0 | 2 | 0% |
| 4 | Irresponsible lending | 1 | 0 | 0 | 1 | 0% |
| 5 | Unknown / needs review | 1 | 0 | 0 | 1 | 0% |
| 6 | Travel / life insurance claim disputes | 1 | 0 | 0 | 1 | 0% |
| 7 | Card / payment disputes | 1 | 0 | 1 | 0 | 50% |
| 8 | Credit file / adverse marker disputes | 1 | 0 | 0 | 1 | 0% |
Products complained about
| # | Name | Complaints | Upheld | Partially upheld | Not upheld | Uphold rate |
|---|---|---|---|---|---|---|
| 1 | Personal loan | 26 | 5 | 4 | 17 | 27% |
| 2 | Buy-now-pay-later | 4 | 0 | 0 | 4 | 0% |
| 3 | Motor finance (PCP / HP) | 2 | 1 | 1 | 0 | 75% |
| 4 | Other regulated product | 2 | 1 | 0 | 1 | 50% |
Recent decisions
| Reference | Date | Firm | Product | Outcome |
|---|---|---|---|---|
| DRN-6292951 | 2026-04-20T00:00:00+00:00 | V12 Retail Finance Limited | loan | Not upheld |
| DRN-6116101 | 2026-02-12T00:00:00+00:00 | V12 Retail Finance Limited | retail finance loan | Not upheld |
| DRN-6040429 | 2025-12-31T00:00:00+00:00 | V12 Retail Finance Limited | fixed sum loan | Not upheld |
| DRN-5861538 | 2025-11-28T00:00:00+00:00 | V12 Retail Finance Limited | fixed sum loan (consumer credit agreement) | Upheld |
| DRN-5864252 | 2025-11-10T00:00:00+00:00 | V12 Retail Finance Limited | hire purchase agreement | Partially upheld |
| DRN-5732279 | 2025-09-24T00:00:00+00:00 | V12 Retail Finance Limited | fixed-sum loan | Not upheld |
| DRN-5498004 | 2025-04-29T00:00:00+00:00 | V12 Retail Finance Limited | fixed sum loan | Upheld |
| DRN-4949009 | 2024-08-08T00:00:00+00:00 | V12 Retail Finance Limited | retail finance | Not upheld |