Interest added during payment holiday

dmbalf

Right, final update, just had a phone call with aqua, and I've managed to get them to half the interest charge, so £240 instead of £480, which is much better. Had I waited those three extra days it would have been zero. I will be shredding the card at my first opportunity. 

penners324

I'd still push for all the interest to be waived.

dmbalf

There's no harm in trying again penners324, I'll give it a go, see if I can push a bit more. 

happy_hazelnuts

I agree with penners - the letter that you published here definitely says there would be no interest charges and they honour that - I think you should push for it all to be waived

dmbalf

Ok, I've raised a complaint with them, giving them the details of all letters asking for all interest to be tescos. Only downside is, it can take up to 8 weeks to resolve, and I'll go down as a missed payment in the meantime. 

dmbalf

Tescos should say removed. 

cymruchris

dmbalf said:

Ok, I've raised a complaint with them, giving them the details of all letters asking for all interest to be tescos. Only downside is, it can take up to 8 weeks to resolve, and I'll go down as a missed payment in the meantime. 

Do you mean you'll get a missed payment by not settling the £240? If so - would it be worth paying the £240 - and continuing with the complaint - with the aim to get it refunded later? So as to avoid the missed payment marker? You could send a letter with payment by cheque (if you still have a chequebook) stating that you are making payment under protest whilst your complaint is being investigated in order to avoid a missed payment marker on your credit file, but that you expect them to uphold your complaint upon investigation, and refund the payment accordingly? Just a thought. 

dmbalf

I'll do the £240 yes , and see what happens. 

dmbalf

cymruchris said:

dmbalf said:

Ok, I've raised a complaint with them, giving them the details of all letters asking for all interest to be tescos. Only downside is, it can take up to 8 weeks to resolve, and I'll go down as a missed payment in the meantime. 

Do you mean you'll get a missed payment by not settling the £240? If so - would it be worth paying the £240 - and continuing with the complaint - with the aim to get it refunded later? So as to avoid the missed payment marker? You could send a letter with payment by cheque (if you still have a chequebook) stating that you are making payment under protest whilst your complaint is being investigated in order to avoid a missed payment marker on your credit file, but that you expect them to uphold your complaint upon investigation, and refund the payment accordingly? Just a thought. 

Just had the final £240 refunded,
Thanks for your advice/diolch yn fawr. 

cymruchris

dmbalf said:

cymruchris said:

dmbalf said:

Ok, I've raised a complaint with them, giving them the details of all letters asking for all interest to be tescos. Only downside is, it can take up to 8 weeks to resolve, and I'll go down as a missed payment in the meantime. 

Do you mean you'll get a missed payment by not settling the £240? If so - would it be worth paying the £240 - and continuing with the complaint - with the aim to get it refunded later? So as to avoid the missed payment marker? You could send a letter with payment by cheque (if you still have a chequebook) stating that you are making payment under protest whilst your complaint is being investigated in order to avoid a missed payment marker on your credit file, but that you expect them to uphold your complaint upon investigation, and refund the payment accordingly? Just a thought. 

Just had the final £240 refunded,
Thanks for your advice/diolch yn fawr. 

That’s great to hear - and you’ve avoided a missed payment marker as well. That’s a great result. Thanks for coming back and giving an update.