Aquacard offer: who is right?

BoGoF

The bit that says "if you use your aqua card, your monthly payment is received on time and you do not go over your credit limit in each of your first two statement months" means you have to do all 3 things (use the card/pay on time/not go over limit) in the first 2 statement periods. From your original post it looks like you only uses the card once in total and made one payment.

bluepanda

BoGoF wrote: »

If the offer is the same as the current one

http://welcometo.aquacard.co.uk/v0/voucher/amazon/advance/?9115693AA002DAG01000

then my reading of the t and c's is that you needed to use the card in each of the first 2 months to qualify

I see now we are referring to the same terms, particularly,'You will be eligible for the Amazon Gift Certificate if you use your aqua card, your monthly payment is received on time and you do not go over your credit limit in each of your first two statement months.'

At best this is badly written and ambiguous, but I would strongly argue, as obv whoever writes MSE ad for the Aquacard Advance that these terms mean make one transaction AND then make sure you do not go over your credit limit in next two months AND you pay off your balance each month.

BoGoF

Ambiguous to you maybe

BoGoF

And I still dont agree with your interpretation

bluepanda

BoGoF wrote: »

Ambiguous to you maybe

Lol, a few posters here are obv veteran forumites. Can some of you ask other well-respected posters who have a good command of English grammar to give theiur interpretation of these terms. I honestly can't believe no one else agrees with me(except MSE) Please check the Aquacard Advance need to knows in this MSE link https://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards

BoGoF

Yeah the MSE one implies something different, I'll give you that. But the key is to check the lenders full t & c

bluepanda

eskbanker wrote: »

What MSE says (or said) is ultimately irrelevant, as the terms that matter are those between you and Aqua - MSE's role is simply directing traffic to Aqua and in emails/articles/blogs will always have to summarise key terms, which clearly won't be the definitive ones.

So if you have a copy of what you signed up to with Aqua themselves (rather than an MSE summary of that) then it should be straightforward to establish what the rules of the game were when you signed up....

I signed up via the link poster BoGoF gives in this thread. The terms are listed in the above handful of posts. What is your interpretation of them, may I ask?

Thanks

bluepanda

BoGoF wrote: »

Yeah the MSE one implies something different, I'll give you that. But the key is to check the lenders full t & c

We have been discussing the lender's full t and c's for the last few posts. MSE and I believe one thing and you and a few more posters another. It is not my fault the terms are both too short and ambiguous at best. Though they are actually not ambiguous, the author, if they intended to mean a transaction must be made in each of the first two months, does not understand the use of the comma.

[Deleted User]

From what I can see here, OP hasn't followed the T's and C's set out to qualify for the voucher I.e. Using the card for two months, paying after each statement date etc.

This is a no go for Aqua for sure - they are not at fault here

eskbanker

bluepanda wrote: »

eskbanker wrote: »

What MSE says (or said) is ultimately irrelevant, as the terms that matter are those between you and Aqua - MSE's role is simply directing traffic to Aqua and in emails/articles/blogs will always have to summarise key terms, which clearly won't be the definitive ones.

So if you have a copy of what you signed up to with Aqua themselves (rather than an MSE summary of that) then it should be straightforward to establish what the rules of the game were when you signed up....

I signed up via the link poster BoGoF gives in this thread. The terms are listed in the above handful of posts. What is your interpretation of them, may I ask?

Thanks

To summarise, the key sentence is "You will be eligible for the Amazon Gift Certificate if you use your aqua card, your monthly payment is received on time and you do not go over your credit limit in each of your first two statement months" and your interpretation is that the reference to two months only applies to the credit limit rather than the use or the payment.

While I agree that there is some potential for ambiguity, they clearly wouldn't see paying on time as only being relevant once, rather than in both months, so I have to agree with other posters that logically all three clauses should apply to both months.

Also, your reading that "these terms mean make one transaction AND then make sure you do not go over your credit limit in next two months AND you pay off your balance each month" doesn't stack up because if you make just the one transaction in the first month and pay it off in full in month one too, then you couldn't possibly exceed your credit limit in month two or pay off the balance in month two because there wouldn't be one.

For what it's worth I agree that MSE's summary of the offer is poorly worded, but as above that's not really the issue here.

It's maybe too late now but if you write to Aqua explaining politely that their wording is open to misinterpretation, they might offer you the voucher as a goodwill gesture, but if they don't then I'd just let it drop....