Aqua Denies Deal

CharlesWright · 28 October 2020 at 5:12PM

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.

Yahoo_Mail · 28 October 2020 at 5:24PM

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?

CharlesWright · 28 October 2020 at 5:33PM

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%

Yahoo_Mail · 28 October 2020 at 5:35PM

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%

What MSE said is immaterial, it's what's in your credit agreement that matters.

CharlesWright · 28 October 2020 at 5:40PM

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.

Yahoo_Mail · 28 October 2020 at 5:43PM

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.

When did he say it? I can't find any mention of it going back to the beginning of July.

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.