you have to have "collsion detection" turned on for the model of V3. Even if you tell the cloth sim to have the cloth detect collision against V3, if collision is turned off on V3 the dress will just fall right thru her, as it appears to be doing in those screen captures.

When you find collision detection for V3 and turn it on, the dress will not fall thru the shoulders. However, you will have a new problem: In the first frame the dress is intersecting V3. When collision is on, that intersection will go haywire.

Here is your bottom line, and others have mentioned it above. You MUST start V3 in a zero pose in frame 1. Put her in the sitting pose in frame 30. Then, in go back to frame 1 and move the dress until it SURROUNDS V3, but does NOT touch her ANYWHERE.

Then, when you run the simulation, the dress will descend to the shoulders and begin to drape. In the meantime, V3 will sit down, frame by frame, and if you are lucky you'll get good looking results at frame 30.

As others have said...you are starting at a fairly high level of amibition with not much experience. Fortunately, many are being helpful here, so far.

However, frankly, your post above more or less tells us that you did not look at the tutorials at Phil's site as suggested. Is that right?

::::: Opera :::::