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  • FIRST POST
    • isayhello
    • By isayhello 3rd Dec 17, 2:55 PM
    • 135Posts
    • 6Thanks
    isayhello
    Is it possible to claim Aqua card cashback once account is closed?
    • #1
    • 3rd Dec 17, 2:55 PM
    Is it possible to claim Aqua card cashback once account is closed? 3rd Dec 17 at 2:55 PM
    Hi,

    I found some old paperwork this weekend which showed I had an aqua reward card a few years ago, around 2014, I remember getting about £50 cashback on this over 12 months and was sent a cheque. I know I didn't ever get round to cashing the cheque, I think it expired.

    I'd closed my account by the time I realised this and called up Aqua but they said I'd have to open a new account in order for them to discuss the issue with me.

    I gave up at the time, a couple of years ago but just remembererd it again, do I have any rights or ways to claim that cashback money again, or do I have to open another account to discuss it with them or have I lost it for good?

    Any help would be great thanks.
Page 1
    • john1002
    • By john1002 3rd Dec 17, 3:34 PM
    • 865 Posts
    • 365 Thanks
    john1002
    • #2
    • 3rd Dec 17, 3:34 PM
    • #2
    • 3rd Dec 17, 3:34 PM
    Due to the timescales I would say you’ve lost it, try and find your old terms and conditions as any chance will lie in there, the onus was on you to cash the cheque as they have fulfilled there obligations.

    Write to them and see how it goes.

    John
    • isayhello
    • By isayhello 4th Dec 17, 1:56 AM
    • 135 Posts
    • 6 Thanks
    isayhello
    • #3
    • 4th Dec 17, 1:56 AM
    • #3
    • 4th Dec 17, 1:56 AM
    Thanks, I'll have a look for my old terms but wondered if there are any rules around expired cheques that someone might know of.

    I might well be outside the time frame to ask for a replacement cheque but I will think about writing to them, unfortunately I can't find an email to contact them on so it might have to be snail mail.
    • Heng Leng
    • By Heng Leng 4th Dec 17, 3:44 PM
    • 4,279 Posts
    • 1,319 Thanks
    Heng Leng
    • #4
    • 4th Dec 17, 3:44 PM
    • #4
    • 4th Dec 17, 3:44 PM
    Due to the timescales I would say you’ve lost it, try and find your old terms and conditions as any chance will lie in there, the onus was on you to cash the cheque as they have fulfilled there obligations.

    Write to them and see how it goes.

    John
    Originally posted by john1002
    This is incorrect information - it's within the last 5/6 years.

    Simply put they owe you the money, they can add admin costs for the stopping & re-issuing the cheque though.

    I'd suggest you put in the request in writing and give as much info as you can e.g. old card number.
    • isayhello
    • By isayhello 5th Dec 17, 10:59 PM
    • 135 Posts
    • 6 Thanks
    isayhello
    • #5
    • 5th Dec 17, 10:59 PM
    • #5
    • 5th Dec 17, 10:59 PM
    This is incorrect information - it's within the last 5/6 years.

    Simply put they owe you the money, they can add admin costs for the stopping & re-issuing the cheque though.

    I'd suggest you put in the request in writing and give as much info as you can e.g. old card number.
    Thanks @Heng if they owe me around £50-60 is it still worth it then considering they may add charges for admin and perhaps even ignore the letter?
    • Heng Leng
    • By Heng Leng 6th Dec 17, 1:36 AM
    • 4,279 Posts
    • 1,319 Thanks
    Heng Leng
    • #6
    • 6th Dec 17, 1:36 AM
    • #6
    • 6th Dec 17, 1:36 AM
    Thanks @Heng if they owe me around £50-60 is it still worth it then considering they may add charges for admin and perhaps even ignore the letter?
    Originally posted by isayhello
    Simply ask for the cheque to be re-issued & see what they say - they may not charge you.
    • chattychappy
    • By chattychappy 6th Dec 17, 7:58 AM
    • 6,440 Posts
    • 3,395 Thanks
    chattychappy
    • #7
    • 6th Dec 17, 7:58 AM
    • #7
    • 6th Dec 17, 7:58 AM
    This is incorrect information - it's within the last 5/6 years.
    Originally posted by Heng Leng
    It's true that normal contractual limitation is 6 years. But it is possible that there was something in the T+Cs that prevents such a claim as this.
    • Heng Leng
    • By Heng Leng 6th Dec 17, 12:22 PM
    • 4,279 Posts
    • 1,319 Thanks
    Heng Leng
    • #8
    • 6th Dec 17, 12:22 PM
    • #8
    • 6th Dec 17, 12:22 PM
    It's true that normal contractual limitation is 6 years. But it is possible that there was something in the T+Cs that prevents such a claim as this.
    Originally posted by chattychappy
    Possibly, but I doubt such a limitation would be 'fair', if it even exists.
    Their position is also obviously weaker with money than points.
    • chattychappy
    • By chattychappy 7th Dec 17, 11:06 AM
    • 6,440 Posts
    • 3,395 Thanks
    chattychappy
    • #9
    • 7th Dec 17, 11:06 AM
    • #9
    • 7th Dec 17, 11:06 AM
    Possibly, but I doubt such a limitation would be 'fair', if it even exists.
    Their position is also obviously weaker with money than points.
    Originally posted by Heng Leng
    Personally I think it would be fair depending how it was drawn up. The OP chose to close the account and we are two years down the line. It's not uncommon to lose airmiles/points etc., when closing an account or alternatively being given a very short time to spend them. Cashback is of a similar ilk IMHO. True a cheque was issued and then unpresented, so slightly different here.

    Anyway all conjecture - we don't know what the T+Cs were. And who's to say that a judge might not agree with you rather than me.
    • isayhello
    • By isayhello 8th Dec 17, 1:28 AM
    • 135 Posts
    • 6 Thanks
    isayhello
    Thanks, good to hear different opinions, I guess I will send them a letter and see what they say, the cynical part of me thinks they'll just ignore it completely though.
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