Closing Aqua Credit Card - Cash back question, please.

ffacoffipawb

lisyloo wrote: »

hmm..........do you have a link to any legal rulings or ombudsman rulings?
or is that just an opinion?

My opinion is that you wouldn't get back fees if you didn't wait for a cheque to clear, but I'm admitting that's just my opinion.

I'm not defending Aquashambles, oh no, just not sure on the legal position.

I read it that the cheque was dodgy with a wrong number, not a question of waiting for clearance.

baribil wrote: »

Up to now I had no trouble with AQUA who credited me £100 last summer and nearly £100 on planned closure by them of the account on 22 January 2014. I did not take up the renewal offer. I received my cheque (HSBC cheque) yesterday BUT it was rejected by my bank this morning on the ground that the cheque number is invalid! My bank said they had more instances of this problem with AQUA cheques this week. I have used their secure message system to complain - watch this space.

Why should the person paying the cheque into their own account be out of pocket due to Aqua's incompetence.

If that happens to me, they owe me the cashback plus any charges incurred as a result of their aquashambles.

And if they didn't pay I would go to the ombudsman.

All ifs of course, hopefully my cheque will be OK, but at the moment my hopes aren't high.

masonic

ffacoffipawb wrote: »

I read it that the cheque was dodgy with a wrong number, not a question of waiting for clearance.

If it never cleared, then the money was never there to spend.

ffacoffipawb

masonic wrote: »

If it never cleared, then the money was never there to spend.

The bank may charge the depositor for the dodgy cheque. Aqua are on the hook for such charges as it is their incompetence that caused it.

masonic

ffacoffipawb wrote: »

The bank may charge the depositor for the dodgy cheque. Aqua are on the hook for such charges as it is their incompetence that caused it.

Wow, in that case the charges should be recoverable. I've never heard of such an unfair charge being imposed by a bank. I've deposited one or two rubber cheques over the years and I'd be fuming if a bank charged me for someone else's bad behaviour when I had no way of knowing.

ffacoffipawb

masonic wrote: »

Wow, in that case the charges should be recoverable. I've never heard of such an unfair charge being imposed by a bank. I've deposited one or two rubber cheques over the years and I'd be fuming if a bank charged me for someone else's bad behaviour when I had no way of knowing.

Well the charges should be covered by aquashambles should any be made.


Banks used to charge for such items, don't know if that is still the case.

mrmajika

masonic wrote: »

I've never heard of such an unfair charge being imposed by a bank.

Nor have I. I suspect that this is unfounded conjecture.

masonic

ffacoffipawb wrote: »

Well the charges should be covered by aquashambles should any be made.


Banks used to charge for such items, don't know if that is still the case.

Well last time I paid in a cheque that bounced was about 15 years ago and I wasn't charged anything then. Normally it's the cheque writer, not the cheque recipient that gets charged.

ffacoffipawb

masonic wrote: »

Well last time I paid in a cheque that bounced was about 15 years ago and I wasn't charged anything then. Normally it's the cheque writer, not the cheque recipient that gets charged.

Last time it happened to me was 30 years ago, and I was charged. About £20 I think. I got it back off the company that wrote the dodgy cheque. I can't remember who it was now though. The bank was Nat West, who I left a few years later as they were rubbish anyway. Been with firstdirect for 24 years now.

lisyloo

The bank may charge the depositor for the dodgy cheque. Aqua are on the hook for such charges as it is their incompetence that caused it.

Ah I see.
I would agree if there are direct costs then that should be reclaimable.

Aquamania

Well it seems that me not getting any cheque so far was a blessing in disguise :cool: