"I heart someone said ' in the 1921' is 'ninteen hundred and twelve'. But I always said 'nineteen twelve'.
Answer: I think you mean that you heard someone say '"in the year 1912," and that you always say "nineteen twelve" (and not "nineteen hundred and twenty-one").
Well, either one is correct when you say "in the year" before the four numerals. "In the year 1912" is a historical notation; it is more formal, thus longer. It is in the form of reporting a date for historical purposes.
I've heard the British say "and" more often than I have heard Americans do it. It is more formal and more proper historically to say the longer, more complete version - "nineteen hundred and twelve." But American native speakers are famous for shortening phrases, and that includes the reporting of years and dates. Many Americans don't know this, having learned only one national variety of English.
You start recounting the years from the beginning of a century, saying (in your example) "nineteen hundred." Then you should ad the British I.D. identifier "oh" (and not the counting "zero") instead of "hundred" and drop the "and" for the next nine years prefixed by the integer zero. That is, say "nineteen oh one" for 1901 through "nineteen oh nine" for 1909, and not "nineteen zero one" (for 1901), etc. Both British and Americans say "oh." We don't say "zero" or the integers 1-9 alone in nominal numbers, i.e., numbers of identification.
For identifying the years 1910 through 1999, you split the date into pairs or couplets (as if it's 19/10), saying "nineteen (hundred) and ten," or "nineteen ten." We continue this practice through the year "nineteen (hundred) and ninety-nine"/"nineteen ninety-nine" (1999). In these double-digit ending dates (1910-1999), "and" is perfectly fine to say between the two pairs; especially when you formalize it by adding "the year" before it - like Michael said here.