E-Credit Plus on our cc statement!?!?!

donny909

Well, seems some may know about this and it is a scam of sorts. But the partner had this letter yesterday (never thought to realise untill now) from a firm with a dodgy paper thin bank card like thing it. I took a look at it and said yeah right a scam as they was to charge £4.95 a month just to use it. And she binned it before even thinking to go on there website to register any bank details with them.

Then in the last half hour the credit card statement arrives with a debit of £99.95 taken from her credit card account. She gets right on the phone to report it as fraud and the card has now been stopped. The banks credit card center told the partner on the phone they will be sending out some papers for her to look at sign to return to them. They also told her they are looking into the complaint and they may or may not get back to her over whats happened. thinking back to yesterdays post I notice whilst the letter was binned the envelope was still in the house. Green and white 1 with what seems to be an American address on. "E-Credit Plus, One Millennium Drive, Union Town, PA 15401" with a US postage payed stamp on the right side of the envelope.

May or may not get back to her I ask her?. It's cc fraud they have to get back to her.

I have found out a little about E-Credit Plus what they do and there reputation since the credit card statement arrived.

Now first off the credit card has only EVER been used twice. We have NEVER used it or even gave the number of the card for any purpose what so ever since last july\august.

So does anyone who knows what this scam is able to elaberate as to what has happened and what the hell the 99.95 charge is for?.

TFD_2

Hmmmm

My gut feeling is she signed up for it, and is now playing dumb.

Not looking to start a fight, but that explanation so far doesn't quite ring true.

ElkyElky

They can only charge her card if she has given them her details.

Does she use Facebook at all? It's quite common to stumble across a misleading advertisment for a credit card, she most likely navigated to their site and registered.

donny909

Yes she IS on Facebook but has not used her credit card details for anything as we are trying to clear whats on it and not put more debt onto it. Besides I can find no link to E-Credit Plus on Facebook at all. And why on earth would anyone sign up for anything with credit card details when it far cheaper to use regular debit\bank details?.

If she has not authorised anyone to take any monies out of any account let alone a credit card then thats stealing. If it's claimed by the credit card company or this E-Credit Plus that she signerd up for anything she would love to see the copy of her signing anything or any details of her doing so.

Will the cc company, Mastercard have to refund ALL monies if no proof of her signing for anything relating to this firm comes to light?. Fraud is fraud and we would both never sign for any payment to be taken from a credit card when we have money in the normal account.

Will mastercard ask her for any proof or ask for proof off this firm that she did sign for something?. Is it worth contacting this firm ourselfs to see if they are willing to provide any evidence or details or is it best left for mastercard to deal with it?.

TFD_2

donny909 wrote: »

Yes she IS on Facebook but has not used her credit card details for anything as we are trying to clear whats on it and not put more debt onto it. Besides I can find no link to E-Credit Plus on Facebook at all. And why on earth would anyone sign up for anything with credit card details when it far cheaper to use regular debit\bank details?.

If she has not authorised anyone to take any monies out of any account let alone a credit card then thats stealing. If it's claimed by the credit card company or this E-Credit Plus that she signerd up for anything she would love to see the copy of her signing anything or any details of her doing so.

Will the cc company, Mastercard have to refund ALL monies if no proof of her signing for anything relating to this firm comes to light?. Fraud is fraud and we would both never sign for any payment to be taken from a credit card when we have money in the normal account.

Will mastercard ask her for any proof or ask for proof off this firm that she did sign for something?. Is it worth contacting this firm ourselfs to see if they are willing to provide any evidence or details or is it best left for mastercard to deal with it?.

Look in your browser history, and I will be confident that you will see the E-Credit Plus website. She will have linked to it from Facebook.

This is not fraud. Their website is quite confusing, and she probably wasn't aware that she was going to be billed £100.

She will have signed online. You may get provided with an IP address to show it was your computer, but there will be no physical signature.

Please also be aware tha Mastercard may be the card type, but you will have to liaise with the card issuer, not Mastercard directly.

ElkyElky

donny909 wrote: »

Yes she IS on Facebook but has not used her credit card details for anything as we are trying to clear whats on it and not put more debt onto it. Besides I can find no link to E-Credit Plus on Facebook at all. And why on earth would anyone sign up for anything with credit card details when it far cheaper to use regular debit\bank details?.

If she has not authorised anyone to take any monies out of any account let alone a credit card then thats stealing. If it's claimed by the credit card company or this E-Credit Plus that she signerd up for anything she would love to see the copy of her signing anything or any details of her doing so.

Will the cc company, Mastercard have to refund ALL monies if no proof of her signing for anything relating to this firm comes to light?. Fraud is fraud and we would both never sign for any payment to be taken from a credit card when we have money in the normal account.

Will mastercard ask her for any proof or ask for proof off this firm that she did sign for something?. Is it worth contacting this firm ourselfs to see if they are willing to provide any evidence or details or is it best left for mastercard to deal with it?.

The adverts disappear as quickly as they appear.

If you contact the firm directly, they may be able to give you a refund minus an administration fee.

Perhaps you can show the website to your partner to see if that'll refresh her memory. https://www.e-platinumplus.co.uk/ - If she still has no recollection then you could always go on Jeremy Kyle for a lie detector test?

donny909

Well I can confirm that myself and the gf (and I 100% believe her on this) have never visited the website link posted above.

However, a credit card statement did not arrive here a few months ago. For which we reported it at the time. Also the debit card was cloned and an attempt was made to take money out of our account near 2 weeks ago!. May just be a coincidence I don't know?.

But if and I mean a big IF, the details were obtained by deception then that's still a crime and we surely CANT be liable?. As according to current law obtaining monies by deception in the UK is a crime?.

And YES I have checked the pc browsers history and the above site in any way and form is not in the history. Any other ideas anyone?. As I cant see we are the only ones this has happened to.

TFD_2

donny909 wrote: »

Well I can confirm that myself and the gf (and I 100% believe her on this) have never visited the website link posted above.

However, a credit card statement did not arrive here a few months ago. For which we reported it at the time. Also the debit card was cloned and an attempt was made to take money out of our account near 2 weeks ago!. May just be a coincidence I don't know?.

But if and I mean a big IF, the details were obtained by deception then that's still a crime and we surely CANT be liable?. As according to current law obtaining monies by deception in the UK is a crime?.

And YES I have checked the pc browsers history and the above site in any way and form is not in the history. Any other ideas anyone?. As I cant see we are the only ones this has happened to.

A missing statement doesn't give the expiry date and sec code needed for an online transaction. If the card hasnt' been used for a long while, where would anybody have got these details from?

This company deliberately misleads people into signing up, but not heard of a single case of somebody being fraudulently signed up. The company are con artists due to how they represent their products, but that's a different matter.

donny909

That's what I don't understand how could anyone have got the details?. Just because there is no obvious answer it does'nt mean there are not unknown answers that could have caused this to happen?.

For any of us to have signed up for this it would have ment us both viewing the website in question and giving the security pin number off the back as you do with a debit card right?. As any decisions like this mean we both check it out first as it's shared money and we were both in the house on the day the money was taken out.

Assuming everything, if done via the internet, was signed for via the internet then there has to be an ip address tagged to that signing. What methods would Mastercard or the bank (Lloyds TSB) take to determine the chances of probability of CC fraud to refund the money?. We are both willing to sign any statement to say we never visited the website or even signed for there card and even open our pc's for inspection. Will the cc company pass the blame and stand the charge against us anyways or refund 100% of the monies?. As why should we take a refund minus a charge if we never signed for anything?.

donny909

We have still to hear off the cc company either by letter or phone. The partner really does'nt like dealing with issues like this so I'm going to ask her to phone them and see if they will let me enquire to the cc company on her behalf.

But I've been thinking whilst as suggested the cc pin number off the back must have been used or obtained for standard transactions etc on the net. But is it possable the details could have been given either by post or even possable that some companies can via unknown loopholes process details withou the pin number either over the net or by post?.

We are both still very baffled and wandering if it's worth contacting this E-Credit Plus ourselfs by phone and asking for proof of to have it explained how the details were obtained, ask for a ip logging number (for which they should have for security reasons?) and where the so called application originated from if done over the net.

If they cant or wont provide us with this information can it be assumed as fraud as if the cc ask for this and they dont hand any evidence over other than say we did we did sign up where do we stand on the issue?. Will the cc company believe this company if all they do is say we did sign up or will the cc company have to refund all the money if they refuse to provide them with propper evidence of any signing.

The only thing that could come to mind is that if something was applied for (and I'm NOT saying this is the case at all) and was refused and it was this E-Credit Plus using a fake site giving an impression that it was for something else under a different name. Then that is still fraud is it not?.

lisyloo

Yes Donny, if you both haven't signed up it's fraud.
Details can be lost (laptops on trains), stolen, sold on by people on the inside in India.
Just because there is no obvious explanation doesn't mean you are liable.
They burden of proof is on the card comapny to prove you are negligent, not on you to prove you weren't nefgligent.
Seems to me a lot of people have been rather harsh in assuming she signed up.

If she gievs her permission then they will speak to you.
The will need her permission under the Data Protection Act.
If this is going to be a permanent thing, she should write a letter giving you permission, otherwise she'll need to give her permission on every single phone call.

Of course if they come up with evidence of an agreement from your IP address, then you won't have a leg to stand on, but I don't know why everyone is assuming that's the case, rather than you are a victim of fraud.