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Aqua Card and Experian Payment

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Many many moons ago I used to have a Credit Expert account with experian but it was cancelled long ago.   


Last week i discovered that there was a payment of £14.99 going out of my Aqua Credit Card for Experian Credit Expert.   


Now i know I should have known this was going out but, hands up, I got lazy and hadn't been keeping a close enough eye on it.   


I contacted Experian and they couldnt find an account and therefore couldnt cancel it.   

They told me to go to Aqua and cancel it which i did.   


However I would like to try and recover some of the money that had gone out of my account,


i wrote to experian and they confirmed that first of all there was no account in my name and that i should contact Aqua to claim the money back.   


When I contacted Aqua they said that I should contact Experian to claim the money back as they had obviously taken it.  


So after i give myself a good hiding for being so stupid, who should I be chasing?


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Hi and Welcome to CAG


The payments have left your credit card and paid to Credit Expert so you go after Credit Expert....how many payments in total  ?







We could do with some help from you.



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Thanks Andy.   


I am currently trying to get information from Aqua/NewDay as to how many went out as my statements only go back 6 months but I think it may have been longer than that. 


 Im also trying to find out what information I need to get from Aqua to allow Experian to trace the payments going in, as I mentioned, they have no record of my name, my last 2 addresses or any of my 5 email addresses that I use.




I forgot to add I have done a search of all my emails and there is nothing from Experian showing in them.   I would suspect over the case of a year that they would have sent something if they had me on their system.

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If you have an online webmail portal check the spam and junk email folders there esp if you use imap and not pop.


As for the payments. If experian say you dont exist, then there should be no payment authority to them with aqua so why have aqua been blindly paying them??


pers i'd be demanding aqua produce a copy of the authority they are using to make these payments and when they can't..demand every payment back from them



please don't hit Quote...just type we know what we said earlier..


if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s would collapse overnight.



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