Credit Guide

Following your one months free insurance, premiums will be collected monthly by Direct Debit at .99 per month including any IPT and will continue by periods of one month (up to a maximum period of cover of 5 years) upon receipt of your monthly premiums. You can cancel your Direct Debit at any time. card consolidation credit debt

You have a right to cancel the insurance by giving written notice of cancellation within 14 days of the receipt of confirmation of insurance cover to the Citymain Administrators Limited ( the Administrator at P O Box 116 Ryde PO33 2WX quoting your mobile phone number. If you do not exercise this right to cancel then your rights and those of the insurer to cancel this insurance cover thereafter are that you may cancel this insurance at any time by giving notice of cancellation, in writing or by telephone, to the Administrator. Cover will terminate immediately on receipt of your cancellation. credit union

If you need to make a claim under the insurance contact the Administrator at the above address or on 0870 444 1660. Sign Up for Our Email Connector Customer Service Service FAQs Mobile Phone Insurance Track My Order Delivery Information About Us Contact Us Customer Promise merchant credit guide co

BT Mobile Contract Mobile Phone Terms Conditions 1. The service we provide

1.1 The service we agree to give you includes: the ability to make or receive voice calls; the ability to send or receive information (including messaging services such as SMS or MMMS or email or accessing information from the internet); and any other facilities that we agree to provide under the agreement including content. You need a mobile phone to receive the service. apply online for credit card

1.2 The service is not for business use 1.3 You may choose up to five secondary account holders (other users) to receive the service but you will be responsible for all obligations under this agreement. We may refuse to provide the service to other users depending on your credit rating and history of paying bills on time. 2. When does the service start 2.1 If you buy the service directly from us, it begins on the day that we send the SIM cards or mobile phones to you or any other users (the service start date). by card credit debt debt guide

2.2 If you do not buy the service directly from us, the service start date will be the day we accept your order or the orders for any other users. 3. Paying for the service 3.1 You agree to pay the charges for the service as soon as we ask you to or as soon as you receive your bill. 3.2 You agree to pay the first charges by debit card or credit card and to pay them as soon as we accept your application. These first charges include charges for the SIM cards, mobile phones and any accessories you order from us. credit repair

3.3 You agree to pay all other charges after the event (in arrears) and by direct debit or in any other way we agree. If possible the charges for using the service will appear on your next bill but sometimes there may be a delay. active credit credit guide

3.4 We will send bills regularly, normally every month, to your home address. If you ask us to, we will send you an email letting you know when you can see your bill on the website. 4. Ending the agreement 4.1 This agreement and service to other users is intended to last for at least 12 months from the relevant service start date (minimum period). If you upgrade your mobile phone, a new minimum period will begin from the date of that order. credit score

4.2 If either the agreement or service to any other user ends during the relevant minimum period, you will have to pay a charge for ending it early unless paragraphs 4.3, 4.5, or 7.4 apply. 4.3 You may cancel the agreement or service to any other users up to 14 days after the relevant service start date without having to pay a charge for ending it early. However, you will have to pay for any usage charges. You must also return any mobile phones, SIM cards and any other accessories we have provided. You may not cancel the agreement or service if you upgrade your mobile phone. bad car credit guide loan

4.4 After the 14-day period we refer to in paragraph 4.3 above, you may end the agreement or service to any other users at any time by giving us seven days notice. If you end the agreement, we will automatically end any service to any other users. However, if you only end the service to another user, the agreement will stay in place. bad credit loan

4.5 We can end the agreement by giving you one month s notice in writing. 5. Using the service 5.1 We will give you one or more mobile phone numbers so you and any other user can use the service. You must accept that you do not own the phone numbers and that this agreement applies only to you. You agree not to transfer either the phone numbers or the agreement to anyone else or to try to do so. credit definition derivative

5.2 We will give you a usage limit. If you would like to know what it is, please call our customer services on 0800 0322111. If you go over this limit, we may restrict the service we provide. 5.3 If you tell us you want to make calls to or from abroad, we may ask you to show that you have a satisfactory credit rating or history of paying bills on time. If you, or any other user, use the service abroad, we will charge for any calls you or they receive as well as those you or they make. bad credit mortgage

5.4 You must not use the service: fraudulently or in connection with a criminal offence; or to make calls or send, receive, download, use or reuse any material which is offensive, indecent, menacing, a nuisance or a hoax. You agree to take all reasonable steps to make sure this does not happen. We take this kind of misuse very seriously. If we reasonably believe it has happened, we may take immediate action to suspend the service or end the agreement. We will do this without telling you first, even if you were not aware of the misuse. the insider guide to credit

5.5 You accept that you cannot advertise your phone numbers in or on a BT phone box. If this happens, we may suspend the service or end the agreement. However, we will write to you before we do this. 5.6 You agree to use the service as described in the agreement and in any instructions we give you. You also agree that all factual information you provide to us is correct. 5.7 If your mobile phone or SIM card is stolen or lost, you must pay for any replacement. We do not include insurance for the loss or theft of mobile phones in our charges. We would advise you to take out insurance. If you lose any mobile phone or SIM card or it is stolen, damaged or destroyed or is likely to be used in an unauthorised way, you or any other user must phone us immediately. The number is 0800 0322111 (available 24 hours a day). You will be responsible for any charges you have to pay until you have told us about the loss. If you or any other user loses or has their SIM card or mobile phone stolen, we will disconnect the SIM card and make sure the mobile phone cannot be used. If you then decide to end the agreement, you must pay the charges shown at www.bt.com/btmobile/ up to the end of the minimum period. business credit card

6. Using the internet

6.1 You can access the internet using the service. This will be at your own risk. We have no responsibility for anything you receive when using the internet (including email). You are responsible for making sure your mobile phone is protected against viruses. 6.2 As part of the service, we may provide you with content from our internet websites. This includes, for example, information, video, graphics, sound, music, photographs, software or any other material. You may notice that the content changes as we continue to try to provide the best possible service. banker complete credit guide

6.3 You can only use the content we provide for your own purposes. This is protected by copyright, trademark and other intellectual property rights. You are not allowed to copy, store, adapt, send, show in public or publish any part of the content. credit card application

6.4 We cannot guarantee the accuracy of the content. 6.5 Some of the content we provide comes from other organisations who have their own conditions. You must keep to their conditions for using that content. 7. Changing this agreement 7.1 Sometimes we will need to change our charges and the conditions of the agreement. We will publish details of any changes on www.bt.com/btmobile/ before they happen. credit guide managing

7.2 We will also let you know about these changes at least one month before they happen. 7.3 For changes we need to make to meet legal and regulatory requirements, we may be unable to meet these timescales. We will let you know about these changes as soon as we can. 7.4 If we have made a change which puts you at a significant disadvantage and you decide to end the agreement early, you will not have to pay the charges for the rest of the minimum period as shown on www.bt.com/btmobile/. credit card offer

8. Other things we might need to do

8.1 Occasionally, for operational reasons, we may have to change a phone number, or any other name, code or number associated with the service. Or, we may need to interrupt the service. If this happens we will restore the service as quickly as we can. 8.2 We monitor and record calls relating to customer services and telemarketing. We do this for training purposes and to improve the quality of our customer services. We also record all calls to the 999 or 112 service. merchant credit guide company

8.3 We will use the information we have about you and how you use the service for marketing purposes. We need your permission to do this and will assume we have it unless you tell us otherwise by writing to: bad credit

The BT Customer Correspondence Centre TVTE Gateshead NE11 OZZ Please include your BT mobile account number and phone number in any correspondence. 9. Our responsibility to you 9.1 We accept responsibility if you are injured or die as a result of our negligence. We will not limit this responsibility. 9.2 We also accept responsibility for loss or damage to your physical property arising from our negligence. We will pay up to million in any 12-month period for this loss or damage. collection collection complete

9.3 Unfortunately, we cannot guarantee that the service will never be faulty. We have no obligation to compensate you for financial loss, for data being lost or corrupted, or for any loss that could not have been reasonably foreseen (expected) in light of paragraph 9.2. credit counseling

9.4 Except as described in paragraphs 9.1 and 9.2, we will not pay you more than 000 in compensation (even if we have been negligent) in any 12-month period. 10. Matters beyond our reasonable control 10.1 Sometimes we may be unable to do what we have agreed because of something beyond our reasonable control. For example, this could include very severe weather. In these cases, we do not accept responsibility for what has happened. complete credit guide higher

11. If you break this agreement 11.1 Other than for serious misuse described in paragraphs 5.4 and 5.5, if you break the agreement, we will normally give you an opportunity to put matters right within a reasonable time. 11.2 However, if you do not do so, we may suspend the service or end the agreement. We may also suspend the service or end the agreement if you break any other agreement you have with us and do not put matters right within a reasonable time. If we suspend the service, we will tell you what needs to be done before we reinstate it. chase credit card

11.3 If you have not paid us within 14 days from the date on your bill or from the time we ask you to, we may suspend the service. If you have still not paid us within a further 14 days (28 days in total), we may end the agreement. complete credit guide hedging

12. Resolving disputes

12.1 We will try to work through any disputes that you may have with us. However, if we cannot do this, you can refer the matter to any relevant dispute resolution service. You will find details of these, and of how to refer a dispute, set out in our code of practice for consumers and small businesses. 13. Other things we need to tell you 13.1 We may take instructions from a person who we think, with good reason, is acting with your permission. bad credit home loan

13.2 If this agreement ends, we will pay back to you any money we owe you. We will first take off any money you owe us under either this agreement or any other agreement between us. 13.3 When we need to contact you, we will use either your billing address or your email address. If you need to contact us, please call us on the number shown on your last bill. Recommend a Friend to Mobileshop.com bad credit personal loan

Platinum Mobile Insurance Information (Contract) Standard Mobile Phone Insurance Information (Pay as You Go) Platinum Mobile Insurance Information (Pay as You Go) Clearance Stock - Terms and Conditions

As a valued customer we want you to be happy and satisfied every time you shop with us. We know that occasionally you may wish to return an item, therefore please find below details of our Returns Policy for Clearance Mobile Phones. credit score guide

The below Returns Policy forms part of our Terms and Conditions of business and applies to all orders placed with us or with brands associated with MobileShop.com Ltd where we process and handle the order:- online credit report

All goods have been individually inspected, any damage/imperfections have been listed in the descriptions before sale. 1. You may cancel your order within 7 days of receiving the goods. 1.1 You must contact Customer Services and acquire a Returns Authorisation number before returning any item, without this your return may be delayed or even refused. The RA number must be stated clearly on the outside of the parcel or associated paperwork credit guide

1.2 All goods including all packaging must be returned to us in an unused and re-saleable condition. 1.3 You must take reasonable care of all goods whilst in your possession. Goods received back in an unsuitable condition will unfortunately not qualify for a full refund. 1.4 We are unable to offer any kind of replacement with any product. A full refund will be given upon inspection of the goods. Any goods found to be customer damaged will not qualify for a full refund. bad credit debt consolidation

1.5 Return carriage costs are your responsibility. If goods are found to be genuinely faulty we will reimburse your return postal charges, up to a maximum of .00 (see refunds section below). 1.6 We are unable to process any refunds until the goods have been received and checked at our office. If the goods fail to reach us, you will still be responsible for the cost of the lost/ stolen item and no refund will be given. credit guide process

1.7 Royal Mail Recorded Delivery should be used only for returning accessories and goods below the value of 0.00 as compensation to the value of only 7.00 can be claimed from Royal Mail if items are posted using the Recorded Delivery method. Special Delivery should be used for all items worth over 0. online credit card application

1.8 All goods should be packaged in a secure parcel to avoid damage in transit ensuring the contents are not on display. 2. Goods should be in their original condition, complete with all original items as below (as applicable):- - Handset in original undamaged box (including box inners) - Mobile phone manual and literature - Mains charger, battery and manufacturers hands free kit - CD-ROM software and data cable boston credit first guide

- Any case, personal hands free kit in-car charger - Any free gifts, incentives or vouchers included with the offer 2.1 A charge will be made for any goods that are returned back in an un-saleable or incomplete condition as follows (as applicable):- - Damaged handsets - 30% of handset cost - Damaged/missing handset box (such as ripped, squashed, written on or indented, sticky taped or liquid damaged boxes)- 0.00 credit card debt

- Handset Manual - 5.00 - Battery, mains charger or manufacturers hands free kit - 0.00 each - CD-ROM software or data cable - 0.00 each - Leather case, personal hands free kit or in-car charger - .00 each - Free gifts or incentives - charged at the cost price + VAT - Any other missing or damaged items will be charged at the cost price + VAT 3. Refunds 3.1 Refunds will be processed within 7 days (normally within 2 working days) of us receiving the returned goods. Refunds will normally be credited to the payment card details provided at the time of ordering the goods from us - e.g. refunded to your credit or debit card. back credit foreclosure

3.2 A charge (as above) will be made for any goods that are returned back in an un-saleable or incomplete condition. This will be deducted from your refund if applicable or charged against your debit or credit card details as provided at the time of ordering. credit card processing

4. Unfortunately we can not guarantee a full 12 months manufactures warrantee on handsets purchased through our clearance stock section. Where applicable it will be stated if a full or partial warrantee is available. beat bureau consumer credit

If you require any further advice or are wanting to return your product please e-mail customer.service@mobileshop.co.uk Sign Up for Our Email Connector Customer Service Service FAQs Mobile Phone Insurance Track My Order Delivery Information About Us Contact Us credit check

IMPORTANT - YOUR RIGHT TO CHANGE YOUR MIND You may cancel this Agreement up to 14 days after receiving the Service as long as you return your Mobile Phone undamaged, with proof of purchase, in the original packaging and to the place you bought it from. You will be refunded the price of your Mobile Phone and all Charges other than for the calls you have made. You must pay for all call charges including any international call charges which may take longer to be billed. credit guide idiot pocket

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1. Explanation of Certain Words 1.1 In this Agreement: We and us means Telecom Securicor Cellular Radio Limited of 260 Bath Road, Slough SL1 4DX; Mobile Phone means a cellular telephone together with its original battery and mains charger (and a SIM Card when referring to GSM service); Service means airtime service enabling you to make or receive calls by means of the Network and any additional services we agree to provide to you; credit card consolidation

Charges means all the Charges associated with the Service described in the Price List or, where relevant, as agreed by you to be payable under the Supplemental Agreement; Agreement means your application form when accepted, these terms and conditions and our current Price List and any Supplemental Agreement; You means the customer we make this Agreement with and it includes a person who we believe is acting with your authority; credit scoring guide

GSM is the digital cellular system known as Global System for Mobile Communications; Minimum Period means: (a) if you are or become registered for BTCellnet s First Programme, the Minimum Period selected by you as part of that programme, if any, (or any other period agreed in writing) calculated from the day on which the Minimum Period under the BT Cellnet First Programme you have selected begins; apr credit card

(b) if you are not registered for BTCellnet s First Programme, a period of 12 months (or any other period agreed in writing) from the day on which Service is first provided; Network means the cellular telecommunication system run by Telecom SecuricorCellular Radio Limited, the Network Operator ; Supplemental Agreement means your completed registration form or your request to register for BT Cellnet s First Programme, when accepted, and the terms and conditions relating to those elements you choose to take; the complete guide to credit

SIM Card means the card which you need to use the GSM Service. 1.2 The Price List contains explanations, definitions, notes and conditions which form part of this Agreement. You should receive a copy of the Price List shortly after starting Service. Copies can be obtained by calling BTCellnet on 0345 860860. 1.3 You agree that we may search the files of a credit reference agency which will keep a record of that search. Details of how you conduct your account may also be disclosed to that agency. The information may be used by other parties in assessing applications from you and members of your household and for occasional debt tracing and fraud prevention. navy federal credit union

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2. Provision of Service 2.1 The Service is not available in all parts of the United Kingdom nor in all other countries and may be restricted to certain areas within those countries where access to the Service is possible. 2.2 If you wish to make international calls we may ask you to pay a deposit. 2.3 We may use our discretion to refuse to provide any part of the Service to you (other than the making or receiving of calls). Service is described in our Price List. Service is not fault free and it may be impaired by geographic, atmospheric or other conditions or circumstances beyond our control and you will be entitled to the quality of Service generally provided by us for our customers. guerrilla guide credit repair

2.4 We will do our best to provide Service to you by any date we have agreed with you but we do not guarantee to do so. 2.5 We or our agents may occasionally record or monitor some of our telephone calls for training and quality control. We will not make the recordings available to anybody else and the recordings will not be used for any other purpose. 3. Length of Agreement 3.1 At the end of any Minimum Period, this Agreement will continue until you cancel it in the way described in paragraph 7.5. free credit score

3.2 If you have registered for BTCellnet s First Programme but have not selected a Minimum Period, you can end this Agreement at any time by giving us at least 30 days written notice as described in paragraph 7.5, provided you comply with the important conditions explained in paragraph 7.7. Please read paragraph 7.7 carefully. complete guide to credit and

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4. Things we may have to do 4.1 Occasionally we may have to: (a) alter the number of your Mobile Phone, or any other name, code or number associated with the Service; (b) temporarily suspend Service for operational reasons or in an emergency or for your security. 5. Charges for Service 5.1 Charges for using the Service will be calculated using the details we have recorded. As soon as the Network responds call charges will start. bad credit credit card

5.2 Unless you have itemised billing the total amount for all Charges will be included as a single item on your bill. 5.3 You must pay your monthly bill by the date stated on the bill. 5.4 For overdue payments we may charge interest at 2% above the base lending rate of Barclays Bank. 5.5 We may apply a usage limit to your account (which we may alter by advising you) and suspend your Service if this limit is exceeded. free credit repair guide

5.6 You must pay the Charges to BTCellnet, PO Box HK860, Arlington Business Centre, Millshaw Park Lane, Leeds LS11 0ND. 5.7 If you are paying by payment card you authorise the payment card company to disclose to us and, under strict obligations of confidentiality, to our sub-contractors and agents, details about your payment card account in so far as is necessary in connection with your agreement with us and to inform us if your payment account is terminated or suspended at any time. low apr credit card

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6. Your Responsibilities 6.1 You must use your Mobile Phone, SIM Card and Services in the way described in the user guides or other instructions issued by us.6.2 You agree: (a) to take adequate precautions to prevent damage to or unauthorised use or theft of the SIM Card and your Mobile Phone; (b) that the SIM Card shall at all times remain the property of the Network Operator; (c) t o inform our Cust omer Services Depart ment immediately by telephone if the SIM Card or your Mobile Phone is lost, stolen, damaged or destroyed or likely to be used in an unauthorised manner. 6.3 If the SIM card or your Mobile Phone is lost, stolen, damaged or destroyed you will be responsible for any Charges incurred until you have informed us. 6.4 You must not use or permit any other person to use the Service to make offensive, indecent, obscene, menacing, nuisance or hoax calls. developer guide to the low

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7. Ending the Agreement 7 . 1 In addition to anything else we can do, we can end the Agreement at any time if: (a) you fail to pay Charges when they are due, including any deposit we have asked for, or break this Agreement in any other way; or (b) we believe that Service is being used in a way forbidden by paragraph 6, even if you do not know that the Service is being used in such a way; and you do not correct the situation within 7 days of our request, or if earned income credit

(c) you are the subject of a bankruptcy order, or become insolvent, or make any arrangement with or for the benefit of creditors or if being a company you go into either voluntary or compulsory liquidation or a receiver is appointed over your assets; or card credit debt guide reduce

(d) you fail to confirm any telephone order in writing on our st andard application form(s) within 14 days of your telephone order including where relevant t he Supplemental Agreement. 7.2 We can at our discretion bar your Mobile Phone from making calls (other than to the emergency services) if: (a) any of the circumstances in paragraph 7.1 apply to you; or (b) in the event of loss or theft or suspected fraudulent use of your SIM Card or Mobile Phone. no credit check loan

7.3 You must pay a re- connection charge i f the Service is temporarily barred for the reasons stated in paragraph 7.1. 7.4 If we bar your Service because you break this Agreement, the Agreement will still continue. You must pay all Charges until the Agreement is ended by notice under paragraph 7.5. 7.5 This Agreement may be ended either by you or us giving at least 30 days written notice. You must pay all Charges incurred during the Agreement. earned income credit guide

7.6 If this Agreement is ended during the Minimum Period, and you are not registered for BT Cellnet s First Programme, you must also pay the monthly subscription charges up to the end of the Minimum Period. This does not apply if you end the Agreement for the reasons in paragraph 7.7. If the First Programme applies to you PLEASE READ PARAGRAPH 7.7 WHERE DIFFERENT OBLIGATIONS ARISE ON TERMINATION OF THIS AGREEMENT. free credit report online

7.7 This paragraph appli es to you i f you are or become registered for BT Cellnet s First Programme. It is part of the programme that if you end this Agreement by giving notice under paragraph 7.5 above, at any time during your first eleven months as one of our customers, you must give your Mobile Phone to us. The Mobile Phone must belong to you and be in good working order and must be the one specified overleaf, or any replacement or upgrade thereof supplied by us. Once you have given it to us, it will belong to us. If you are unable to give us your Mobile Phone in this way, or you prefer to keep your Mobile Phone, you must instead make payment to us of an amount not exceeding 00. The precise amount of the payment depends upon when you terminate this Agreement, but will reduce the longer you remain a BT Cellnet customer. This paragraph 7.7 applies whether or not you have selected a Minimum Period as part of the BT Cellnet First Programme. annual credit report

7.8 You may end this Agreement at any time by giving us written notice if: (a) any of the things listed in paragraph 7.1(a)-(c) apply to us and we do not correct the situation within 7 days of your request; (b) we increase any of the Charges for Services you are using or change this Agreement to your disadvantage. In this situation paragraphs 7.6 and 7.7 will not apply. 8. Limitation of Liability credit check collection agency

8 . 1 We have no liability ot her than the duty to exercise the reasonabl e skill and care of a competent mobile telecommunications service provider. We do not accept liability for indirect loss, such as loss of profits, business, or any other form of economic loss. 8.2 We accept liability for death or personal injury resulting from our own negligence. 8.3 If we are found liable to you our liability will not exceed, 000 except under paragraph 8.2. 8.4 Each provision of this paragraph 8 operates separately. If any part is found by a Court to be unreasonable or inapplicable the other parts will continue to apply. the best credit card

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