The following Credit Policy is written and adopted to meet Federal and State Credit Laws.
No Frills will not discriminate in granting credit on the bases of race, color, religion, national origin, sex, marital status, age; because all or part of the applicants income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
Change of Terms.
No Frills Inc. has the right to change terms of this agreement at any time by giving notice as required by law. New terms may apply to balances outstanding at the time the new terms take effect, subject to state law.
All bills are due upon presentation.
All account balances, which are unpaid after fourteen (14) days after billing date, are overdue. Terms are net 14, unless requested differently. All prices are based on payments made by cash/check or EFT. Payments made by credit/debit card will increase the price to retail which will add .10 (ten cents) per gallon.
Late Fee/Finance Charge Terms.
All accounts are subject to late charges. A late fee will be added, computed at a periodic rate of 1.5%, which is an annual rate of 18%, calculated for the date of purchases on amounts unpaid for 30 days or more. For propane, after the net 14 days have passed, a finance charge of $0.10 per gallon will be added to customer’s account. For #2 heating oil/kerosene, after the net 14 days have passed, your delivery will be updated to the retail price of the day, on the day of delivery. All statement accounts will be billed on the 1st day of the month and are due by the 14th of each month or the same fees apply as listed above.
Statement Accounts.
Payments are due 14 days from statement date, If amount remains unpaid after that date, the deliveries from the previous month will be rebilled at the retail price the day of delivery.
Obtaining and Furnishing Credit renewal, or extension of credit.
No Frills may obtain a credit report on applicants for credit or in connection with an update, renewal, or extension of credit.
Collection Costs.
Collection costs will be added to all accounts referred to Maine District Court. Cost may include, but not limited to, fees paid to the court, law enforcement agencies, and attorney fees. Copies of all collection costs shall be provided at the customer’s request.
Termination of Account.
No Frills retains the right to cancel or limit use of your account.
Automatic Delivery.
Automatic delivery is determined by No Frills based on credit approval and/or credit history. Consumer must maintain access to property and communicate changes in consumption. Please contact the office should you add, remove, or stop using a second source of heat (wood/pellets, propane, heat pumps, etc.). Consumer will be at risk of running out of oil/propane if the office is not notified in a timely manner of this change. If the account is a rental, we must be notified when the tenant leaves or a new tenant moves in as the usage will change between tenants. If consumer goes on vacation, consumer must notify the office when leaving and arriving back home so we can adjust deliveries. Consumer must notify the office if this is a seasonal home. If consumer runs out of product because consumer fails to notify the office of any changes, the consumer will be responsible for any and all damages. If consumer fails to properly communicate with the office about any changes and if consumer requires an emergency delivery or a delivery on an off day, a service fee will be assessed. No Frills will not be held responsible if any mechanical issues cause customer to run out of product (i.e. furnace issues, open windows, open doors, etc.).
Will Call Delivery.
A customer may call when he/she wishes product to be delivered. No Frills shall delivery to Will Call accounts on the next scheduled delivery day without a delivery charge. Propane accounts on Will Call that have completely runout will need to have a pressure test completed, which is mandated by the State of Maine. There will be a $55 charge for this test and will be due upon receipt if the account is COD.
Pre-Arranged Deliveries.
If a customer makes arrangements for a delivery, and subsequently does not take that delivery, a service fee will be assessed.
Delivery Charges/Service Fees.
A delivery/service fee may be applied for an established customer for any delivery requested other than the regular delivery schedule.
Service/Parts Billing.
Customers are responsible for labor and parts costs for any tank placed on their property.
C.O.D Accounts.
C.O.D accounts require payment before or at the time of delivery. A customer requesting C.O.D. must still submit a new account/credit application to open an account. All prices are based on payments made by cash/check or EFT.
Budget Accounts.
A customer with a zero balance, approved credit, and a full tank(s) may request a budget account. 11 monthly payments are based on 12 months usage. Accounts failing to remit two (2) consecutive payments will be removed from the budget plan, returned to standard pricing, and placed on previous credit status.
Check/Electronic Check Re-Presentment Policy.
Should your check be returned for insufficient funds, your account will be debited for the checks face amount plus a returned check fee of $40.00.
Propane Accounts.
Customer is responsible for the tank(s) and fixtures while tank(s) remains on property. Customer is also responsible should theft or fire damage occur to tank(s) or any damage caused by abnormal wear and tear. There will be a charge for tank(s) removal if tank(s) need to be picked up within one year of usage due to non-payment, lack of use, or customer request. Unused gallons will be credited to your account at the price they were billed at. If account has not been held with No Frills for at least one (1) year, there will be a $120 labor fee charged for picking up the tank(s). No Frills reserves the right to charge a pick up fee in certain circumstances, even if the account has been held for over one (1) year.