First Millennium Credit Card

kat79

Saw an ad on Facebook for this company that boasts no credit checks and guaranteed approval. Anyone heard of this company? My googles so far have not been successful.

gingernights

I'v never heard of them do they have a website? i cant find anything on google?

stephane_2

kat79 wrote: »

Saw an ad on Facebook for this company that boasts no credit checks and guaranteed approval. Anyone heard of this company? My googles so far have not been successful.

When it's too good to be true...then it is!!!
I think it is only available in the US and not the UK but not certain

js78

can someone pm me the link i saw it myself, but lost the link.

i wanna read the t & c and maybe give them a ring as if it does report to the credit reference in the uk for £80 could be good value for 12 green 0's, seen as Cashplus costs £59.95 plus start up for £15

never-in-doubt

It is that e-platinum plus con - avoid like the plague!

Search this forum for info on the con men! Link from FB is now removed; as here: http://www.facebook.com/ads/adboard/

mrTaz

card cost 100 quid to register 5 quid a month to run and an extra 10 quid a month each month it is not used but this is only disclosed after all your bank and personal details are submitted

TLC_Queen

Just to let you all know this has not been removed from facebook as I have just seen the ad for it!!
I am going to let them know asap.

krissmiller

i received an email from them - is it a scam or what - they want £99,95 up front and say its a guaranteed limit of £5000 - is it maybe a deposit card where i have to deposit the limit then use it ????? am very confused and dont want to part with best aprt of £100 to loose it - any advice anyone

krissmiller

so is this a credit card or a deposit card ?

daisymartin

What type of card is this? is it a credit or deposit card?

YeoldeScribe

Hope this helps? It won't help your credit rating, read it, it's quite interesting in what it won't do. Have had to shorten somewhat.


E-CREDIT PLUS™ SHOPPING CARDS are issued with:
NO Credit Check - NO Interest Charges


This Agreement contains the Terms and Conditions of becoming an E-Credit Plus™ Shopping Cardholder


NOTICE TO CARD MEMBER: (A) DO NOT USE THIS CHARGE ACCOUNT BEFORE YOU READ THIS AGREEMENT CAREFULLY. (B) E-CREDIT PLUS™ SHOPPING CARDS ARE NOT A VISA® OR A MASTERCARD®. (C) THE COST OF MEMBERSHIP IN THE E-CREDIT PLUS™ SHOPPING CLUB PROGRAM IS £99.95. THE MONTHLY MAINTENANCE FEE IS £4.95 PER MONTH. (D) YOU MAY AT ANY TIME PAY OFF THE FULL UNPAID BALANCE UNDER THIS AGREEMENT WITHOUT PENALTY OR ADDITIONAL COSTS. (E) CASH ADVANCES. IF APPLICABLE, ACCOUNT HOLDERS MAY REQUEST A CASH ADVANCE AFTER ON-TIME REPAYMENT OF MERCHANDISE PURCHASES, IN THE TOTAL AMOUNT OF FIFTY PERCENT OF TOTAL MERCHANDISE REPAYMENTS SINCE INCEPTION OF MEMBERSHIP, CAPPED AT £500.00. (F) GUARANTEED QUALIFICATIONS: YOU MUST BE 18 YEARS OF AGE.


This Agreement describes the Terms and Conditions under which My E-Credit Plus™ Shopping Card Account is issued. I certify that I am at least 18 years of age and the information I provided to E-Credit Plus™ in order to obtain this Charge Account is true and accurate. I understand that My use of the Charge Account constitutes My acceptance and agreement to comply with and be bound by the Terms and Conditions of this Agreement. I understand that My card is being issued with no credit check or investigation. The Minimum Monthly Payment required on My outstanding balance is £12.50 or 15% of the outstanding balance, whichever is greater. (See "11. Minimum Monthly Payment" for complete explanation.)

ELECTRONIC SIGNATURE – Electronic Communications Act of 2000
provides that electronic signatures on documents hold equivalent legal status as traditional handwritten signatures. By completing the online application for the E-Platinum Plus Shopping Card, I certify that My digital signature is the equivalent of My handwritten signature. Also, I declare that I have read and understand all of the Terms and Conditions of this Agreement and I agree to and do sign each section of these Terms and Conditions of this Agreement with My digital signature.



3. RETURNED PAYMENTS:
In the event that My membership fee is returned, I understand and agree that E-Credit Plus™ may issue My E-Platinum Plus Shopping Card with a credit line of £1,250 for a one-time enrollment fee of £39.95, which will be debited from My bank account. E-Credit Plus™ may immediately attempt to collect that amount by presenting My debit authorisation to My original banking institution. I am authorising the debiting of My bank account; therefore, E-Credit Plus™ is not responsible for any overdraft fees charged by My bank or incurred by Me due to debit attempt(s).

4. CHARGE CARD - CREDIT LIMIT:
My E-Credit Plus™ Account has been issued with a starting credit limit, which is indicated on the Account Information Form.

5. CREDIT LIMIT INCREASE:
As long as My Account is maintained in good standing and after six (6) consecutive on-time payments made to E-Credit Plus™, I may receive a £1,250 credit line increase. There is no additional charge for this increase.

6. RESPONSIBILITY AND LIABILITY:
The Company shall have no liability with regard to any services provided by any vendor/benefit provider. I agree that any claim with regard to any services shall be made against the vendor of such services and not the Company. The Company's sole obligation hereunder shall be to allow access to the vendor/benefit provider. All benefit providers are independent companies and are not agents of the Company. All benefits are subject to the terms and conditions specified by the suppliers. The Company does not have the authority to alter those terms. The Company is not responsible for personal injuries, loss or damage of property, inconvenience or expense resulting from matters beyond its control, government actions, strikes, theft, and changes in benefit offering, or acts of God. The Company may, in its sole judgment, make any changes and cancellations to any benefits that it believes necessary.

7. CREDIT BUREAU REPORTING:
I understand that the Company is a subscriber to a Credit Bureau and that My new account as well as My monthly account payment history (but not my monthly membership fee payments) will be reported to a credit bureau. I realise that it may take up to ninety (90) days from My enrollment for My new account to be reported.

8. CREDIT BUREAU ACCESS:
The Company will not access My personal credit report as part of the activation process in establishing My initial credit Account. However, the Company reserves the right to access My personal credit report.

9. MONTHLY BILLING FOR UNPAID AMOUNTS:
I will be billed electronically each month for the balance of charges made to My Account. My Account must be maintained on a current basis to make additional credit purchases and to receive additional Card Member benefits. I agree to contact E-Credit Plus™ in the event that I wish to receive paper billing as an alternative to electronic billing.

10. APPLICATION OF PAYMENTS RECEIVED:
Payments received are always applied first to any unpaid fee(s) that may be owed. The remaining portion of the payment is applied to any unpaid Balance. Purchases are reflected in the Principal Balance in the same order they were made, oldest first. Payments are applied to the Principal Balance, not purchases.

11. MINIMUM MONTHLY PAYMENT/AUTOMATIC PAYMENT PLAN PAYMENT AMOUNT:
I agree to pay at least the minimum payment amount shown on each billing statement. All payments must be received on or before the due date indicated on the billing statement or a late fee may be assessed. The Minimum Monthly Payment which must be paid every month (as long as My Account shows an outstanding balance) is calculated by finding the greater of (a) or (b): a) 15% of the Account balance owed on My Account, or b), £12.50. This figure is the Minimum Monthly Payment ("Minimum Monthly Payment"). The Minimum Monthly Payment does not automatically decrease as My Account balance decreases. Should My new balance be less than £12.50, the payment due will be the amount of the new Principal Balance. By applying for the E-Platinum Plus Shopping Card, I request and authorise the Company to automatically deduct from My bank account the minimum payment due each statement or billing cycle. When I receive My E-Platinum Plus Shopping Card, I may call E-Credit Plus™ Member Services to modify the amount that I wish to pay through this automatic payment plan by selecting either (a) the full balance due; or (b) a fixed amount each month. Note: If I select a fixed payment amount, the Company may still deduct from My bank account the minimum payment due if that amount due is greater than the amount I selected for My fixed payment. At the time merchandise orders are placed by Me, all applicable sales and use taxes, shipping and processing shall be due and payable with the order.

12. DELINQUENT ACCOUNT:
My Account is considered delinquent if the Company does not receive the Minimum Monthly Payment by the due date. If this occurs, a £5.00 late fee may be charged.

13. DEFAULT ON ACCOUNT:
I will be in default if: a) I fail to pay the Minimum Monthly Payment when due; or b) I breach any of the Terms and Conditions of this Agreement. If I am in default, the Company has the right to: a) demand Me to pay the entire unpaid balance on the Account immediately; b) suspend purchases until the default is cured; c) apply monies received on subsequent allowed purchases to any delinquent Account balance owed including late fees, if applicable; and/or proceed with legal action.

14. MEMBERSHIP, APPLICATION AND ENROLLMENT FEES:
The initial cost of My membership includes an application and enrollment fee. The total initial membership fee is £79.95. This charge breaks down as follows: £65.95 enrollment fee and a £14.00 application fee. The application fee is nonrefundable, unless I cancel My membership pursuant to Section 15. B. Otherwise, if I cancel pursuant to Section 15. A., the Company will refund My enrollment fee only. Should My enrollment fee be reduced to £39.95 in the event of My membership fee being returned for insufficient funds, and a credit line of £1,250 will be issued, pursuant to Section 3 of these Terms and Conditions, the nonrefundable part of that enrollment fee will be £7.00.

15. REFUND OF CARD MEMBERSHIP:
A. If I cancel My enrollment into the E-Credit Plus™ Shopping Club Program after fourteen (14) days from this Agreement, but within thirty (30) days from receipt of the Welcome Kit and E-Platinum Plus Shopping Card, I will receive a refund of My enrollment fee, but I must first contact the Company to obtain a Return Authorisation number. Upon receiving My return authorisation number, I will be required to return all membership documents as well as My E-Platinum Plus Shopping Card to: E-Credit Plus™, 2 Minton Place, Victoria Road, Bicester, Oxfordshire OX26 6QB United Kingdom. REFUND GUIDELINES MUST BE CAREFULLY FOLLOWED TO ASSURE A PROMPT REFUND OF MONIES. There will be a fee of £15.00 deducted in the event that any debit previously authorised by Me has been returned unpaid by My bank for any reason. There will be no refund in the event that there are Unpaid Balances posted to My Account or if there are pending merchandise orders. I must allow at least seven (7) business days from the Company's receipt of My membership materials for My refund to be processed. Included in My membership fee is a non-refundable application fee. If the refund of card membership procedure is met, the Company will refund My enrollment fee only. IMPORTANT: Merchandise return policy and instructions are explained on the product order forms and/or on the shopping Web Site.



16. MONTHLY MAINTENANCE FEE:
My account has a monthly maintenance fee of £4.95, which I agree will be debited from my bank account every month. I acknowledge and agree that, in the event that the monthly maintenance fee is unpaid, My membership privileges, including access to the E-Credit Plus™ Shopping Card Account privileges, shall be terminated. My privileges will be reinstated at such time as all delinquent monthly maintenance fee charges are brought current. I further understand that my membership will not be reinstated once I am three (3) months or more delinquent.

17. INACTIVITY FEE:
The Company may impose an inactivity fee of £9.95, at the end of any twelve-month period in which there has been no activity on My Account during such period. The first twelve (12) month period shall end on the first anniversary date of My membership in E-Credit Plus™. Subsequent successive twelve (12) month periods will end on the thirteenth (13) month of the anniversary date of My Membership and every month thereafter. The inactivity fee will be waived by the Company in the event that I have, during the relevant preceding twelve (12) month period timely made all payments due by Me to the Company, including but not limited to any monthly fee payments, and any Minimum Monthly Payments.

18. CASH ADVANCES:
If applicable, after completion of repayment in full of merchandise purchases, I shall be eligible to request a cash advance in the amount not to exceed fifty percent (50%) of the total amounts paid since My Account was established, but not to exceed £500.00. Cash advances will bear 0% interest, shall be applied to My E-Credit Plus™ Account balance and repaid by Me like any other account balance for purchases, pursuant to Section 11. No more than one cash advance may be outstanding and un-repaid in full at any one time.

19. CANCELLATION OF ACCOUNT:
My E-Credit Plus™ Shopping Card Account will be active for twelve (12) months from the date of issue. The Company, at its sole discretion, may cancel this Agreement and may demand payment in full of the entire balance due, if I default on this contract. In the event the Company cancels My Account, I will continue to be responsible to make full payment of any remaining E-Credit Plus™ Shopping Card Account balance.

20. DOWNPAYMENT ON PRODUCT PURCHASES:
E-Credit Plus™ may chose not to accept or process orders from customers who are delinquent in any payment obligation to E-Credit Plus™, including but not limited to membership fee, NSF fees, late fees, or in the payment of their account balances. E-Credit Plus™ customers with no prior account payment history (never ordered merchandise), or have made or attempted to make a payment (including, but not limited to payments for merchandise or payments for services, such as recurring monthly fees) that have been declined by E-Credit Plus™, or who have been delinquent on any payment (for merchandise or services) at any time during the preceding twelve (12) months, will be required at the time of placing an order for merchandise to pay 25% of the merchandise portion of the order, plus shipping and processing fees and any applicable sales tax. All prices shown on our web site are exclusive of VAT. VAT will be added to the prices at the check out page.


22. FRAUD RESOLUTION:
As a matter of policy, the Company fully cooperates with all law enforcement agencies in the pursuit of fraud, with regard to the unauthorised use of information in applying for this membership. If I believe My bank account was fraudulently charged for the membership fee, the Company will make every effort to aid in a resolution. Before the Company can take any action, please fax or mail a copy of the official report filed with Your local Police or law enforcement agency detailing the suspected fraudulent act and also a copy of the portion of Your Account statement showing the date and amount of the withdrawal. Please allow us two (2) weeks for resolution after We receive the report and statement.


25. PROPRIETARY RIGHTS:
The content, organisation, graphics, design, compilation, magnetic translation, digital conversion, software and other matters related to the Web Site, the Service and/or My Account are protected under applicable copyrights, trademarks and other proprietary (including, without limitation, intellectual property) rights. The copying, redistribution and/or publication by the Cardholder of any part of the Web Site, the Service and/or My Account are strictly prohibited. I do not acquire ownership rights to any content, document, software, service or other materials viewed at or through the Web site, the Service and/or Your Account. The posting of information or material at the Web site and Service by the Company does not constitute a waiver of any right in such information and/or materials.



27. INDEMNIFICATION:
I agree to indemnify, defend and hold the Company, its owners, and each of its respective officers, partners, members, employees, agents and attorneys, and affiliates (each a "Covered Party"), harmless against any and all liabilities, claims, actions, suits, proceedings, judgments, fines, damages, costs, losses and expenses (including reasonable attorneys' fees, administrative costs and/or settlement costs) arising from My breach of this Agreement and/or My use of the Web Site, the Service and/or My Account, in any manner whatsoever.

28. AUTHORISATION TO OBTAIN & DISCLOSE INFORMATION:
By becoming a member of the E-Credit Plus™ Shopping Club Program and obtaining the E-Platinum Plus Shopping Card, I authorise the Company to obtain a Credit Report that is based on the information that I provide to the Company as well as exchange information about how I handle My Account with lawful recipients and with the Credit Bureau. The Company may require Me to provide updated and/or additional information during the term of My card membership in order for Me to receive additional benefits.

29. SHARING INFORMATION WITH THIRD PARTIES:
The Company may disclose to its affiliate companies any and all of the information that the Company collects in the application process and that the Company may have gathered in consideration of My application. The Company does not share information with any non-affiliated third parties except in select circumstances when a business partner refers the Cardholder to the Company and the Cardholder gives the Company permission to share information with that business partner. When identifying methods of improving the Company's products and services or if the Company thinks a product may be of interest to Me, the Company may arrange to extend offers of goods or services to Me either directly or through the Company's affiliates. In addition, the Company may disclose all of the information it collects, as described above, to companies that perform services on the Company's behalf such as the credit reporting agencies from which the Company obtains My credit report(s), credit card processors, email communications management firms or call center providers. The Company may also disclose nonpublic personal information about me to nonaffiliated third parties as permitted by law.

30. MEMBERSHIP IN GOOD STANDING REQUIREMENT:
I understand that My charge privileges, current charge limit, current down payment/no down payment requirement, credit bureau reporting, or other card member benefits and/or special promotions/programs are subject to My maintaining My Account in good standing by making My Minimum Monthly Payments on time. Should I become delinquent on My Account, or in default, I understand that my privileges and benefits may be changed and/or suspended until I have re-established a consistent pattern of on-time Minimum Monthly Payments. I certify that I have read, understand and agree to all the Terms and Conditions and Disclosures written in this Agreement. I certify that all the information I provided to the Company is true, accurate and verifiable. The information about the costs of the card described in this application/solicitation is accurate as of April 2009. The information may be changed after that date. To find out what may have changed, write to the Company at E-Credit Plus™, 2 Minton Place, Victoria Road, Bicester, Oxfordshire OX26 6QB United Kingdom. If the Cardholder does not agree with any changes in the terms and conditions of the card Account, the Cardholder may close their Account without incurring any penalty. Please note that the Cardholder will be responsible for paying all outstanding balances in the event they close their Account.

Terms and Conditions of this Program may be modified and Services and Benefits may be added or deleted at any time.



32. BILLING RIGHTS
This notice contains important information about My rights and the Company's responsibilities under the Fair Credit Billing Act.
Notify the Company in Case of Errors or Questions about the Cardholder's Statement of Account.
If a Cardholder thinks a bill is wrong, or if a Cardholder needs more information about a transaction on a bill, the Cardholder will write the Company, on a separate sheet of paper, at the address listed on the Cardholder's bill. The Cardholder must write to the Company as soon as possible. The Company must hear from the Cardholder no later than 60 days after the Company sent the Cardholder's first bill on which the error or problem appeared. The Cardholder may telephone the Company, but doing so will not preserve the Cardholder's rights. In the letter, the Cardholder should provide the following information: 1) The Cardholder's name and Account number. 2) The amount of the suspected error. 3) A Description of the error and explanation of why the Cardholder believes there is an error. If the Cardholder needs more information, the Cardholder should describe the item the Cardholder is not sure about.
The Cardholder's Rights and The Company's Responsibilities After The Company Receives The Cardholder's Written Notice.
The Company must acknowledge the Cardholder's letter within 30 days unless the Company has corrected the error by then. Within 90 days the Company must either correct the error or explain why the Company believes the unpaid bill was correct. After the Company receives the Cardholder's letter, the Company cannot attempt to collect any amount the Cardholder questioned or report the Cardholder as delinquent. The Company may continue to bill the Cardholder for the amount the Cardholder questioned, and the Company may apply any amount the Company questions against the Cardholder's credit limit. The Cardholder does not have to pay any questioned amount while the Company is investigating, but the Cardholder is still obligated to pay any charges related to any questioned amount. If the Company did not make a mistake, the Company will have to make up any missed payments on the questioned amount. In either case, the Company will send out a statement of the amount the Cardholder owes and the date that it is due. If the Cardholder fails to pay the amount that the Company thinks the Cardholder owes, the Company may report the Cardholder as delinquent. However, if the Company's explanation does not satisfy the Cardholder, and the Cardholder writes the Company within 10 days telling the Company that the Cardholder still refuses to pay, the Company must tell anyone the Company reports the Cardholder to that the Cardholder has a question about a bill. In addition, the Company must tell the Cardholder the name of anyone to whom the Company reported this information. The Company must tell anyone to whom the Company reported on the matter in question when it is finally settled. If the Company doesn't follow these rules, the Company cannot collect the first £25.00 of the questioned amount, even if the Cardholder's bill was correct.
E-Credit Plus™ is a United Kingdom limited company in the business of providing a Home Shopping Charge/Purchasing Program through its E-Platinum Plus Division and E-Platinum Plus is a service mark of E-Credit Plus™ and E-Credit Plus™ is not a credit services organisation. The Company, or its division, does not provide, for a fee, any advice or assistance in helping individuals obtain other forms of credit or improve their credit rating. Information in this document should not be construed as legal advice. If I have any legal questions concerning My rights or My credit, I should contact an attorney.
Important - Read This Carefully to Find Out About Your Rights
The Consumer Credit Act 1974 lays down certain requirements for your protection which should have been complied with when this agreement was made. If they were not, we cannot enforce this agreement without getting a court order.

The Act also gives you a number of rights:

1) You can settle this agreement at any time by giving notice in writing and paying off the amount you owe under the agreement.
2) If you received unsatisfactory goods or services paid for under this agreement you may have a right to sue the supplier, us or both.
3) If the contract is not fulfilled, perhaps because the supplier has gone out of business, you may still be able to sue us. If you would like to know more about your rights under the Act, contact either your local Trading Standards Department or your nearest Citizens' Advice Bureau.

33. This agreement is governed by the laws of England and Wales, which we also take as applying prior to the making of this agreement.

34. All communications in relation to this agreement will be in English.

Copyright E-Credit Plus™
All Rights Reserved©
12.09
E-Credit Plus™
2 Minton Place, Victoria Road, Bicester,
Oxfordshire OX26 6QB United Kingdom
E-Credit Plus, Limited is registered in England and Wales.
The Company's registration number is 6383647.