V12 Retail Finance Limited

Reference number: 679653

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Also trades as
  • AppToPay
  • V12 Finance
  • V12 Personal Finance

Company details

From the company's Companies House record.

Company number
04585692
Company status
Active
Company type
Private limited company
Incorporated
8 November 2002 (23 years old)
Registered office
Yorke House, Arleston Way, Solihull, B90 4LH, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Rachel Michelle Lawrence Director Mar 1970 6 Dec 2022
Andrew Charles Phillips Director Jan 1976 1 Apr 2024
Ian Corfield Director Nov 1971 15 Aug 2025
Lisa Jane Daniels Secretary Not published 2 Apr 2024

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Administration
  • Debt-collecting

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is V12 Retail Finance Limited FCA authorised?
Yes, V12 Retail Finance Limited (FRN 679653) is authorised by the FCA to carry out regulated activities.
Is my money safe with V12 Retail Finance?
Protection depends on which product you hold and how V12 Retail Finance handles your money, so check the specific product before you commit. You can also refer complaints about V12 Retail Finance to the Financial Ombudsman Service, free of charge.
Is V12 Retail Finance a scam or clone?
V12 Retail Finance is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is V12 Retail Finance's Firm Reference Number (FRN)?
V12 Retail Finance's FRN is 679653. You can verify it on the FCA register.