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Aqua Denies Deal
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CharlesWright
Posts: 3 Newbie

I recently applied for an aqua credit card featured on your weekly e mail. It specifically stated that I was pre approved and the deal was 6 months interest free and a 3% fee.
I clicked the link and applied, when I got the card I actioned a balance transfer on line and waited.
My statement arrived today with an interest charge on it, I phoned them obviously to enquire and they are refusing to honour the interest free period stating that there was no such offer.
My credit agreement states 6 months interest free when advised unfortunately in none of their e mails to me during the application process does it mention a promotional fee.
Do I have any re course or do I just put down to experience and try to raise the cash to pay it off.
Or do I have a case with the FCA although I no longer have the weekly e mail from Martin to prove what I saw.
I clicked the link and applied, when I got the card I actioned a balance transfer on line and waited.
My statement arrived today with an interest charge on it, I phoned them obviously to enquire and they are refusing to honour the interest free period stating that there was no such offer.
My credit agreement states 6 months interest free when advised unfortunately in none of their e mails to me during the application process does it mention a promotional fee.
Do I have any re course or do I just put down to experience and try to raise the cash to pay it off.
Or do I have a case with the FCA although I no longer have the weekly e mail from Martin to prove what I saw.
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Comments
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I've gone back to the beginning of August and there is no mention of Aqua in any of those emails.
There IS an Aqua 0% offer, it's still open in fact, so I don't see how they can deny that there is a 0% offer, although perhaps they are not denying that but are denying there was one that was preapproved (and I suspect they're right.)
Are you sure it's a credit agreement that says this? I find it hard to believe Aqua would deny it when you have a copy of a credit agreement explicitly stating it?0 -
I maybe was not clear. I went on the tool to check eligibility and it was once I had entered my details it stated I was pre approved for 2 different cards, one with 5 months interest free and the aqua with 6 months but a slightly larger fee.
The credit agreement wording is 30.35% or 34.95% promotional rate 0% or as we let you know at the time which is gibearish to me. All I know is the MSE email when I applied stated 6 months 0%, it's the only reason I applied for the card my own banks credit card that I trasfered it from is only 10.9%
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CharlesWright said:I maybe was not clear. I went on the tool to check eligibility and it was once I had entered my details it stated I was pre approved for 2 different cards, one with 5 months interest free and the aqua with 6 months but a slightly larger fee.
The credit agreement wording is 30.35% or 34.95% promotional rate 0% or as we let you know at the time which is gibearish to me. All I know is the MSE email when I applied stated 6 months 0%, it's the only reason I applied for the card my own banks credit card that I trasfered it from is only 10.9%0 -
It is a warning for anyone else not to ta,e what Martin sends through every week at face value without first checking the details first.
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CharlesWright said:It is a warning for anyone else not to ta,e what Martin sends through every week at face value without first checking the details first.
Edit: I have every weekly email going back to 2009. The last time Aqua was mentioned was 24/09/19, and it wasn't a 0% deal, it was the Aqua Reward card.0 -
Pre approval based on a made up number. When you applied you wont have got the offer and you clearly thought you did.0
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bradders1983 said:Pre approval based on a made up number. When you applied you wont have got the offer and you clearly thought you did.
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aqua card with 6 month deal no good for stoozing.0
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