Search Results

A message from our MD:
Powered by Secure Trust Bank, V12 Vehicle Finance is a comprehensive, used vehicle proposition that’s unique to the industry. With a powerful hub of products and technology-led partners, we make it easy for you to source, buy, sell and finance used vehicles. Our web-based technologies enable you to dramatically improve how you run your business!

Because we’re part of the Secure Trust Bank family, we have the financial backing and stability to make our pricing, products and services work for you. Our ‘customer-first’ culture means we understand what makes your business succeed, helping ensure your customers’ needs are fully satisfied with our wide range of products. Our highly experienced and friendly team, with a rich background from many areas of the used vehicle industry, is committed to helping independent and franchised dealers just like you to sell more used vehicles, more often.

We look forward to meeting you very soon.

Yours sincerely

David Mercer
Managing Director
V12 Vehicle Finance

David Mercer

Our values

We have a strong set of values that we live every day. Along with our Grow, Sustain and Love strategy, these continue to help us build a great business for our customers, colleagues and shareholders. We’re passionate about being fair, friendly, polite and helpful in every interaction we make.

Find out more about our values and why they mean you get an amazing service.

Read More About Our Values

Secure Trust Bank
Moneyway Logo
V12 Retail

Meet the team

David Mercer

David Mercer

Managing Director

David joined Secure Trust Bank as managing director of its motor finance division in January 2018.

Tim Maffey

Tim Maffey

Finance Director

Tim has 20 years’ experience in the finance and risk sectors, having spent over 18 years...

Howard Paley

Howard Paley

Product Director

Howard joined Secure Trust Bank in June 2018 in the newly created role of product director...

Nikki Tyler

Nikki Tyler

Operations and Service Solutions Director

Nikki has responsibility for the operational efficiency of the vehicle finance business...

Craig Mooney

Craig Mooney

Dealer Stocking Operations & Oversight Manager

Craig joined Secure Trust Bank in January 2019 in the newly created role of Operations Manager for V12 Vehicle Finance .......

Ciara Raison

Ciara Raison

Sales & Marketing Director

Ciara joined Secure Trust Bank’s vehicle finance division in January 2018 with responsibility for growing market share...

Andrew Dale

Andrew Dale

Head of Credit Risk

Andrew has 19 years’ experience in credit risk managing inhouse risk teams...

Donna Moore

Donna Moore

Senior Compliance Manager

Donna is a compliance specialist with over 10 years’ compliance experience...

  • David Mercer
  • Tim Maffey
  • Howard Paley
  • Nikki Tyler
  • Craig Mooney
  • Ciara Raison
  • Andrew Dale
  • Donna Moore
  • David Mercer

    David Mercer

    Managing Director

    David joined Secure Trust Bank as managing director of its motor finance division in January 2018. He has over 35 years’ experience in the motor industry having started his career at Arthur Andersen, prior to joining Ford Credit. David held senior positions at Manheim Europe before setting up NextGear Capital in the UK.

  • Tim Maffey

    Tim Maffey

    Finance Director

    Tim has 20 years’ experience in the finance and risk sectors, having spent over 18 years with GE Capital, during which time he held a variety of roles culminating in the position of risk operations leader. Tim joined Secure Trust Bank in January 2018.

  • Howard Paley

    Howard Paley

    Product Director

    Howard joined Secure Trust Bank in June 2018 in the newly created role of product director. Howard is responsible for driving the creation of new vehicle finance products and managing delivery and lifecycle. Howard joined from Ricoh Capital, prior to which he worked for Ford Credit for over 20 years.

  • Nikki Tyler

    Nikki Tyler

    Operations and Service Solutions Director

    Nikki has responsibility for the operational efficiency of the vehicle finance business, including all current and future IT development. Nikki has been with Secure Trust Bank for over a decade, the last six years of which she has spent as its head of change.

  • Craig Mooney

    Craig Mooney

    Operations Manager

    Craig joined Secure Trust Bank in January 2019 in the newly created role of Operations Manager for V12 Vehicle Finance - Wholesale stock lending division. Craig is responsible for our dealer risk and services teams. Craig joined from NextGear Capital where he spent 4 years in their operations teams, later moving into a risk analytics role. Before NextGear Capital, Craig worked in the near prime space for Specialist Motor Finance with roles in both collections and specialist recoveries.

  • Ciara Raison

    Ciara Raison

    Sales Director

    Ciara joined Secure Trust Bank’s vehicle finance division in January 2018 with responsibility for growing marketshare within the franchised and independent dealer sector and leading the sales and insight team. Ciara was previously head of sales for Close Brothers Motor Finance and has also worked for Royal Bank of Scotland, NatWest and Aviva.

  • Andrew Dale

    Andrew Dale

    Head of Credit Risk

    Andrew has 19 years’ experience in credit risk managing inhouse risk teams for a number of UK Banks. He has also spent time as a consultant for Equifax working for a number of their European customers. Andrew joined Secure Trust bank in July 2015 as head of credit risk for motor and retail.

  • Donna Moore

    Donna Moore

    Senior Compliance Manager

    Donna is a compliance specialist with over 10 years’ compliance experience and joined Secure Trust Bank in 2015. She is responsible for establishing, implementing and maintaining a regulatory framework to ensure the consumer credit business complies with regulatory requirements. Donna is a member of The London Institute of Banking & Finance and the International Compliance Association. Prior to joining Secure Trust Bank, Donna worked as a compliance advisor at Deutsche Bank.

  • David Mercer
  • Tim Maffey
  • Howard Paley
  • Nikki Tyler
  • Craig Mooney
  • Ciara Raison
  • Andrew Dale
  • Donna Moore