Interest Free Finance can be selected at checkout or when purchasing in our showrooms, let our Client Advisors know.

• Is 18 or older.
• Is in permanent paid employment, self-employed, homemaker, retired and receiving a pension, working student in part-time work or in receipt of a disability benefit.
• Has been a resident in the UK for at least 3 years.
• Has a debit or credit card in their name, which is registered to their address, to pay the deposit where applicable.
• Has a Bank or Building Society current account available – this is required to complete the direct debit instruction.
• Has an email address to receive the important information throughout the application process, including their signed credit agreement.

Your monthly repayments will begin one month after your purchase has been delivered.

No. There are no arrangement fees or hidden extras.

When you buy online from David M Robinson you have the choice of applying for Interest Free Finance by adding your purchase to the shopping basket, selecting the option to ‘Apply for 0% APR Finance with V12’, and completing a finance application with V12.

Within minutes of your application being approved, you will be presented with the option to sign your credit agreement. If you are offered the ability to e-sign your credit agreement and choose to do so, a PDF of your credit agreement will be displayed on screen. You should read the credit agreement carefully before clicking all the relevant sections agreeing to its terms. Once you have agreed to the terms of the credit agreement David M Robinson will be notified and you need do nothing more.

Note that products will not be allocated to your order until your completed and signed agreement is returned and received by V12 Finance. Shipment of your goods will follow soon after your agreement has been returned to our finance company.

Credit scoring is the process used by financial services companies to evaluate the credit risk of new applicants. This technique will be applied to your application for online finance. Credit scoring works by awarding points for each answer given on the application form such as age, income and occupation, together with information obtained from credit reference agencies. This information allows us to produce consistent decisions, ensuring all our applicants are treated fairly. Credit scoring does not discriminate on the grounds of sex, race, religion or disability.

In addition to credit scoring, we also take into account confirmation of your identity, validation of certain application details, existing commitments and information held at the credit reference agencies. Though we are unable to provide you with a main reason for decline of your application, it is usually based on one, or a combination of the following:

• Your credit score (note that every finance company will score you differently).
• Adverse credit reference agency information.
• You are considered to be over committed.
• You are aged under 18.
• Your existing account performance with other lenders.

Some of the information is public information, for example electoral roll, County Court Judgements and bankruptcies. Other lenders may also file information about accounts you hold with them for instance this could include your payment history and outstanding balance on these accounts. Any requests for credit, where a credit reference search has been undertaken, will also be filed, although the result of the request is not recorded.

You should send a cheque for £2.00 made payable to the relevant credit reference agency, together with details of all addresses at which you have lived over the last 6 years:

• Experian Limited, Customer Support Centre, PO Box 9000, Nottingham, NG80 7WF
• Equifax Ltd., Customer Service Centre, PO Box 10036, Leicester, LE3 4FS
• TransUnion International UK Limited, Consumer Services, PO Box 491, Leeds, LS3 1WZ

The above listed agencies will provide details of information relating to these addresses. If you believe that the information is incorrect, you can ask the agency to correct it.

Yes. We acknowledge that your circumstances change and just because we have refused a previous application, it does not mean that we’ll automatically turn down a further request. We do suggest however, that you leave at least 6 months between applications.

In order to safeguard against fraudulent applications, we regret that we’re able only to deliver goods to the home address of the applicant.

No. Our Interest Free Finance programmes are not currently available on the purchase of Rolex timepieces. We do, however, offer Interest Bearing Credit on such purchases.

Should you have a complaint that you would like to raise, you can do so by contacting the DMR Concierge - dmrconcierge@davidmrobinson.co.uk. We endeavour to respond within 5 working days. If you are not satisfied with the outcome please email the Client Services Manager, Victoria Green – victoria.green@davidmrobinson.co.uk. You will receive a response within 48 hours. Should you wish to escalate the complaint further please contact Citizens Advice.

In the unlikely event, you are still dissatisfied and your agreement is regulated by the FCA, you are entitled to refer your complaint to the Financial Ombudsman Service free of charge. This should be done straight away, but must be within six months from the date of our final response. Further information regarding the Financial Ombudsman Service can be found on their website at www.financial-ombudsman.org.uk