The Yes Card is a catalogue card for use on theyescatalogue.co.uk. The Yes Card may even help towards building your credit. With a fast secure application, get your Yes Card today!
£2,500 Credit Line
Don't let a poor credit history stop
The Yes Card is a catalogue card for use on theyescatalogue.co.uk and prides its self on the fact that you will not be judged purely on your past credit history. The Yes Card may even help towards building your credit.
£2,500 Credit Line
All credit types welcome
The Yes Card is a catalogue card available for people to apply with all types of credit history. The Yes Card may even help towards building your credit. With a fast secure application, get your Yes Card today!
We understand that life does not always turn out as planned, so the Yes Card offers a second chance!
The Yes Card gives you the chance to build a good credit rating. The monthly repayment data is fed to Credit Reference Agencies, so a good payment record may improve a credit score.
Under section 66A of the Act, you have the right to withdraw from this Agreement within fourteen (14) days without giving any reason. The right to withdraw will cancel this Agreement. It ends on the expiry of fourteen (14) calendar days beginning with the day after the Agreement is concluded which is the day on which you open a Charge Account. You can cancel by email to firstname.lastname@example.org or telephone to 0808-234-2355. If you intend to cancel, you should not use any products you have received under the Agreement and you should keep them safe and in good condition (legal action may be taken against you if you do not take proper care of them). You must repay to the Company any amount outstanding on your Charge Account that relates to goods purchased but not yet paid for by you. Payment of any such amount must be paid without undue delay and no later than the end of the period of thirty (30) days beginning with the day on which your notice to withdraw was given. If you have not paid the amount outstanding by the end of that period the Company may take legal action to seek to recover it as a debt.
If you cancel your Charge Account within fourteen (14) days, you will receive a refund of the Application Fee. There will be no refund in the event that there are unpaid balances posted to your Account or if there is pending merchandise orders. You must allow at least seven (7) business days from the Company's receipt of your membership materials for your refund to be processed.
If you withdraw from this Agreement after fourteen (14) days, the Company is not obliged to return your Application Fee.
1.1. In these Terms and Conditions, the words "you'" and "your" refer to the Debtor who has entered into this Agreement.
1.2. The words "we", "us" and "our" refer to the Creditor, E-credit Plus Limited t/a Yes Card of 2 Minton Place, Victoria Road, Bicester, Oxfordshire OX26 6QB
2.1. We will provide the credit under this Agreement which can be accessed by way of our Yes Card to purchase goods exclusively at our store, www.theyescatalogue.co.uk once this Agreement has been executed.
2.2. Before signing the Agreement you confirm that:
2.2.1. Prior to signing this Agreement, you have received the Adequate Explanations Sheet and the SECCI;
2.2.2. You received your salary payment on your last payday;
2.2.3. Your last payday occurred within the period beginning 30 days before the date of your loan application (the "Loan Application");
2.2.4. You have no reason to believe that your future salary payments will not be paid to you on or before the Scheduled Repayment Date, into the bank account ("the Account") specified by you in the Credit Application;
2.2.5. If the Account from which the Credit is to be repaid is a joint bank account, you have individual, full and unrestricted authority to nominate such Account, to write a cheque or to nominate the debit card (the "Debit Card") for the repayment of the loan in accordance with these Terms and Conditions;
2.2.6. You have been in full employment for at least 30 consecutive days prior to entering into this Agreement and receiving a regular pay or salary amount;
2.2.7. You authorise us to debit the Monthly Repayments due to us on the Scheduled Repayment Date and in accordance with the Continuous Payment Authority (CPA) schedule below at clauses 4.3-4.5 and give us continuos authoirty to do so.
2.2.8. You are not a debtor under any proceedings in bankruptcy and have no intention to file a petition for relief under the Insolvency Act 1986;
2.2.9. You are not contemplating or entering into a Debt Relief Order, Debt Management Plan or an IVA; and
2.2.10. You are UK resident and over 18 years of age.
2.3. You grant us permission to contact your employer (as specified by you in the Loan Application under the section entitled "Employment Information") at any time as may be reasonably required by us to confirm the fact of your employment only.
2.4. You must inform us immediately of any changes to your bank details or employment details, or of any other changes in circumstances which may affect your ability to make payment under this Agreement.
3. Repayments and Continuous Payment Authority.
3.1. When you initially apply for the credit line, and when you order merchandise from our store, you agree to provide your debit card details sufficient for us to continue to collect your repayment, you give us continuous authority to do so by way of Continuous Payment Authority (CPA). You further agree to provide alternative method of payment should the original source of payment be cancelled, lapse or otherwise be unavailable.
3.2. If you experience any repayment difficulties, we urge you to contact us as soon as possible to avoid incurring unnecessary default charges. If you are experiencing financial hardship we will show forbearance and work with you to agree an alternative resolution.
3.3. We may make our first attempt on the Scheduled Repayment Date(s). If our first attempt to collect repayment via CPA fails we may make further attempts to collect the total of any outstanding balance by close of business the following day. If we are unable to collect repayment, we will make immediate attempts on the Scheduled Repayment Date(s) to contact you by phone, email and/or text message and find out why you have been unable to meet your repayment obligations. Again, we urge you to contact us as soon as possible to avoid incurring unnecessary default charges. We will show forbearance and work with you to agree an alternative resolution.
3.4. You may cancel the CPA that you have provided us with at any time before the Scheduled Repayment Date(s) by contacting your bank directly, or by contacting us (using the contact details provided below). If you do cancel, you will still owe any outstanding debt and will need to provide us with an alternative method of repayment on the Scheduled Repayment Date(s) to avoid going into default.
3.5. Should this be unsuccessful we may pass your account to a debt collection agency or legal proceedings may be contemplated.
3.6. We may report any non-payment to credit reference agencies. This may impair your credit rating and make it harder to obtain credit from lenders in the future. Lenders normally consider your credit rating when making and assessing a loan application.
3.7. Please ensure that you can make the Monthly Repayments on the Scheduled Repayment Dates; do not obtain credit if you feel you will be unable to repay it. If your circumstances change and you cannot meet the Monthly Repayments in full on the Scheduled Repayment Dates, or you are experiencing financial difficulties, please get in touch with us as soon as possible so we can discuss the options available to you. We encourage you to communicate with us if you are experiencing financial hardship we will show forbearance and work with you to agree an alternative resolution.
4. Data Protection
4.1. The information we collect from you is used by us to assess your creditworthiness, to manage your account and to make collections; it is also used to contact you for marketing purposes; it is disclosed by us when legally required to do so at the request of government authorities conducting an investigation.
4.2. In considering whether to enter into this Agreement, we may search your record within our own records, and with credit reference agencies (CRAs). CRAs will add details of our search and your application to their records about you. This will be seen by other organisations that make searches. Our search of records at credit reference agencies may be linked to your spouse/partner, or other persons with whom you are linked financially. For the purposes of any application or this Agreement you may be treated as financially linked and you will be assessed with reference to "associated records".
4.3. We may also add to your records with the credit reference agencies details of your agreement(s) with us, the payments you make under it and any default or failure to keep to its terms. If you borrow and do not repay in full and on time, CRAs will record the outstanding debt. These records will be shared with other organisations and may be used and periodically searched by us and them in order to:
4.3.1. Consider applications for credit and credit related services such as insurance for you and any associated person;
4.3.2. Prevent or detect money laundering and fraud;
4.3.3. Trace debtors or recover debts;
4.3.4. To manage your accounts
4.3.5. It is important that you provide us with accurate information. We may check your details with fraud prevention agencies and if you provide false or inaccurate information or we suspect fraud, this information may be recorded. Fraud prevention agency records will be shared with other organisations to help make decisions on credit; on motor, household, life and other insurance proposals or claims for you and members of your household
4.3.6. If you have borrowed from us and do not make payments that you owe us, we will trace your whereabouts and recover debts.
4.3.7. We and other organisations may access and use the information recorded by fraud prevention agencies.
4.3.8. Your data may also be used for other purposes for which you give your specific permission or, in very limited circumstances, when required by law or where permitted under the terms of the Data Protection Act 1998.
4.3.9. Please write to us at our address stated above, or telephone us on 0808 2342355 if you require details of the credit reference agencies or any other agencies from whom we obtain, and whom we pass, information about you. You have a legal right to these details. You have the right to receive a copy of the information we hold about you if you apply to us in writing. A small statutory fee will be payable.
4.4. If you opt-out of our use of your data for marketing purposes, we will honour such choice once we have had a reasonable opportunity to process your request. We reserve the right to take reasonable steps to authenticate your identity with respect to any such request or other enquiry.
4.5. Your data remains on file for at least 6 years after our files with your information are closed, whether settled by you or in default.
5.1. If you would like to make a complaint, please email email@example.com, with brief details of your complaint and your agreement or account number. Our Customer Service staff will acknowledge your complaint by email within 5 working days.
5.2. We will in all cases send you a letter by the end of eight weeks after we received your complaint. This will either give our final view on the issues raised in your complaint, and say whether we:
- Accept the complaint and where appropriate are offering redress; or
- Are offering redress without accepting the complaint; or
- Reject the complaint (giving reasons why we are doing this).
5.3. In the event we are not able to provide you with a final response within that eight week period, we will give the reason for the delay and tell you when we expect to give you a final response.
5.4. In each case, we will tell you that if you are still not satisfied with our response or the delay, you may refer the complaint to the Financial Ombudsman Service. We will give you their details, and a copy of their explanatory leaflet, in the final response letter.
6.1. This Agreement is personal to you and you may not pass the benefit of it to a third party. We may however assign all or any of our rights or obligations under this Agreement to another person or company.
6.2. The law of England and Wales governs this Agreement and any aspect of our relationship with you and any disputes or claims under this Agreement will dealt with only by the courts of England and Wales. Unless you and we otherwise agree, you and we shall communicate with each other in English at all times in connection with this Agreement.
6.3. If any part of these Terms and Conditions that is not fundamental is found to be illegal or unenforceable, such finding will not affect the validity or enforceability of the remainder of the Terms and Conditions or the Agreement, as the case may be.
6.4. Any waiver by either party of a breach of any provision of these Term and Conditions Conditions and/or the Agreement shall not be considered to be a waiver of any subsequent breach of the same, or any other, provision.