V12 Retail Finance Limited
Reference number: 679653
Instant download
Authorised by the FCA
This firm is on the FCA register and authorised to carry out regulated activities.
Website, phone number and address
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.
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Phone number
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Address
25-26, Neptune Court, Vanguard Way, Cardiff, CF24 5PJ, United Kingdom
In the full report: 3 background checks
- When v12retailfinance.com first appeared online, and whether it can receive email
- What kind of line 029 2046 8900 is
- Who else gives the postcode CF24 5PJ
Other names (3)
If you were contacted under any of these names, it is this firm.
- AppToPay Trading name: A name it trades under now.
- V12 Finance Trading name: A name it trades under now.
- V12 Personal Finance Trading name: A name it trades under now.
FCA permissions and consumer protection
- Lend or arrange credit No FSCS coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
- Credit Broking
- Debt Administration
- Debt-collecting
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
Concerns on the company record
- Accounts are overdue at Companies House.
- Company number
- 04585692 (opens Companies House in a new tab)
- 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
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Rachel Michelle Lawrence | Director | Mar 1970 | 6 Dec 2022 | 14 other companies |
| Andrew Charles Phillips | Director | Jan 1976 | 1 Apr 2024 | 3 other companies |
| Ian Corfield | Director | Nov 1971 | 15 Aug 2025 | 10 other companies |
| Lisa Jane Daniels | Secretary | Not published | 2 Apr 2024 | – |
Other companies run by these 3 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 18
- closed down
- 4
- are FCA-registered
- 2
In the full report: all 18 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 2 on the FCA register
- The 7 companies these 3 directors run together
- All 16 people who have ever been directors, with their dates
Key dates in its history
V12 Retail Finance’s history from the FCA register and Companies House, newest first.
2016
6 April 2016
- V12 Finance Group Limited took control (75–100% of shares)
Companies House
2015
5 October 2015
- Regulated by the FCA from this date
- Became authorised by the FCA
FCA register
2002
8 November 2002
- Incorporated at Companies House
Companies House
In the full report: all 37 events
- All 37 events in its history (4 shown here)
- Every director appointment and resignation: 27
Firms connected to V12 Retail Finance
Other FCA-listed firms that share a director, phone number or address with V12 Retail Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- past link
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1)
- Who links it to this firm: the named directors, with dates
- 1 past link through former directors
Firms like V12 Retail Finance
Other firms of the same type (debt collector), nearest first.
In Cardiff
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on V12 Retail Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 18 other companies its directors have run, named
- 3 background checks on its contact details
- All 37 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
Is V12 Retail Finance Limited FCA authorised?
What is V12 Retail Finance’s phone number and website?
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Who owns V12 Retail Finance?
Who runs V12 Retail Finance?
How long has V12 Retail Finance been in business?
Does V12 Retail Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk