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Advice regarding Aqua Card


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Hi,

 

I am helping out my OH sort out her finances.

 

She has a Aqua card, never missed a payment, we recently asked for a DSAR and got it through today.

Inside was a copy of the CCA that the OH had signed,

 

For nearly 30 months she has been in persistent debt with the card of only making the minimum payments and cannot pay anymore to clear the balance.

 

When the card was first taken out the OH had quite a good paying job and could afford the payments, around 5 years ago we moved house and the only jobs that were available were lower paid jobs.

 

The card started out with a £750 limit and gradually increased to £4500 today, looking through no checks were done when these increases were applied, in total there have been 12 over limit fees added to the account and sometimes the credit limits were increased the month later.

 

What we are looking for is advice on how to manage this account, and would a claim for irresponsible lending be worth a shot.

 

Thanks in adance

 

JJ

 

 

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No i dont think so

 

Send them our pro rata letter see if they'll freeze int and charges.

 

 

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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good idea

if they wont help, which they should and there are the obvious guidelines from the FCA etc etc and re covid etc 

then send the 2nd letter and drop them to £1PCM...

 

 

  • Thanks 1

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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