Aquacreditcard 

Direct debit not adjusted on AQUA side as confirmed by Aqua and my bank - not lifted three times ! charged late payment fee interest gone over limit due to this spent 12 hours trying to speak with you finally 18.10.22 spoke to a manager who said dd was corrected but they couldn't correct charges it would be done by complaints- over five days and I have had no response acknowledging my complaint - the manger was wrong and hadn't checked anything - the dd was not lifted. I had to call again 26.10.22 and wait a long time to speak with someone who again promised - again it would be resolved - and that a manager would call within 24 hours - Noone called and this is still ongoing affecting MY CREDIT SCORE AND INTEREST ACCURED ON CHARGED FOR LATE PAYMENT OVER LIMIT CAUSED BY AQUA MISTAKES

I contacted this company with a complaint about their service. After receiveing two letters (what organisation sends letters these days?) telling me they were investigating my complaint, I received another letter from them, dated October 1st (but received on October 15th) stating that they had upheld my complaint and this asked me to contact them to give them details of my bank account so that they could credit me.

I called the number on the letter on October 19th, spending 35 minutes listening to horrible music interrupted with a message saying "all of our associates are busy at the moment, please hold on the line and your call will be dealt with as soon as possible". I hung up, having had no response.

I called the same number this morning, again being greeted with the same music and message. I hung on for another 19 minutes before terminating this call. Total 54 minutes.

I then called another number I have for the company, speaking to somebody by the nme of Alom. He couldn't help me but said that he would transfer me to the people who could. The call was transferred to...the horrible music and message again. Another 18 minutes before giving up. Total now 72 minutes.

I rang this number again, and the person I spoke to said that she couldn't help and that they didn't have the ability to contact the department I needed. I asked what she suggests I do and was told that I should call the number on the letter. I asked to speak to a manager and was eventually transferred to a Team Leader. Having explained the circumstances he said that he could send an email to the relevant department asking them to contact me. Time on this call 29 minutes. Total time 101 minutes.

Over an hour and a half, getting nowhere. This is ridiculous. I'm going to end up raising another complaint about the response to a complaint!

This is the third time I have wrote about these Charlatans.Customer Service is non existent.People don't use these lot they are a Joke.I will be writing to the Ombudsman about this shower of sh..e..I've just closed my account and cut up my Card.Absolute joke of an outfit.

Anyone thinking about getting a credit card from this company please think hard before you do please try another credit card company Aqua will Rob you blind with interest rates. Please don't use them you will regret it within time. They are more like a loan shark.
Bad company to get credit from.

I have been with this mob for over 5 years and not once have they reduced my interset rate. They say this is a credit builder card although I have paid the same shocking amount of interest for years.
Hourican, sheriff, sanjay, etc are bunch of common day criminals sitting in the huge mansions, flashy cars, more money than sense off the back of ripping off customers like me.
With all thats going on just now with the cost of living, etc these disgusting people should hold theyre heads in shame.

Horrendous. Been calling for 3 weeks now every morning and night , on hold for over an hour each time. We paid the balance off in full three weeks ago and it still hasn’t credited. We finally got hold of someone last week and complained. They apologised and promised to call back within two days. A week later nothing! No acknowledgment of the complaint. They have our money yet are not applying it to the account or returning it! We’re still paying interest and having to pay minimum payments. We can’t afford to pay it twice. Not sure what else we can do but raise it with the financial ombudsman.

Total scam business.. 100% scam..not contactable at all. Tried 10+ times, each over an hour on hold then cut off.

LITERALLY THE WORST EXPERIENCE OF MY LIFE.

All i wanted to do is to activate my new card they have an incorrect email address so i can’t - phoned multiple times to be on hold for over and hour and then cut off.

Texted an agent only for him to reply saying wrong department and to call the horrendous customer service line cut the card up and went elsewhere massive headache would advise to go somewhere else!

i have a aqua credit card and i locked myself out of my online account as i forgot my details which then blocked me from using my aqua app.
I've been trying to call customer service since last Wednesday and they put me on hold for over a hour each time and then the phone cuts off. i think the customer service is absolutely terrible and i still can't get onto my app or online account. I've been reduced to writing a letter to aqua so they can contact me so i can use my account. i wish i never got my aqua credit card.

customer service are down right moronic. They dont follow simple english, help,, or at least care.

Bad company for borrowing money. They blocked my account for a day late, they phoned me while I was working and I could not answer them, paid the debt, they no longer activated my card and I continue to have problems to pay off my debt as payments are made only through the app, and how do i do if it is blocked? the customer service is answered only by people who do not know how to answer questions.
Stay away from him if you can

Another company charging eye watering rates of interest.
You specifically target the credit challenged to maximise profit from the vulnerable.

Had the rug pulled from under me. Credit limit reduced by60% with no notice or consultation. I had plans to make a big purchase, so I would have been embarrassed if my card no longer had the agreed credit limit. Does their t&cs allow for this action?

I have only had thew account a couple of months but am fed up with them already! They keep on blocking my accounts with New Day (Fluid as well!) and I have tried ringing them but got nowhere as my dob couldn't be deciphered by the madwoman who is a bot! I aimed to complain but on reaching the number Aqua had given was told that they had sold my Loan (news to me that I had one) and I should recognise that I was to deal with '7 Likely Loans'!!!

What a Farce this company is!! I doubt whether I shall use them anymore as I am fed up of being blocked and hanging on the phone (which costs me money) whilst they play the 'good guy' and unblock my accounts!! What a farce this is I requested Aqua use my minimum repayment on the Direct Debit and was assured that this would be the case in future! Well, I received a dubious letter about my dire/ct debit - telling me that they were taking some £125 out of my account! Hardly my minimum payment is it??? And guess what - I have to phone them to sort it out!!!
New Day - hardly a Bright new day is it??

Avoid this Mickey Mouse outfit
I've had this card for quite some time had a credit limit of approximately £8000 started using the card again and within two months of using the card again get a text telling me that they've reduced my credit limit by 80%, when you phone their organisation you get the usual administrators who won't identify themselves, clearly because then they can be held to account for what they are doing. When you do get through to somebody they start guessing as to why your credit limits being declined or reduced nobody give you a reason apparently they've got this self intelligent computer system that makes things up for itself so you have to ask yourself whether this organisation is in control of what they're doing

Absolutely lousy service avoid this lot at all costs

Closed my Aqua account in June after sheer incompetence of customer service team after I had lost my card I requested a new card which never arrived.
I must of further requested this another 5 times, card never arrived and each time I called I was told it had been sent out.

When I called in June there was a credit balance on the account and I asked that this was refunded and the account was closed.

Fast forward to August text received from Aqua collections team asking me to contact them.
Apparently I now owe them money- urrm how does that happen after you have closed an account??
Spoke to lady in collections team who was looking into this, got cut off at the point she went to log a complaint
Then called back and spoke to another guy who told me I would need to speak to the complaints team and passed me through to a line that said the office was now closed.
Now speaking to another lady who is really helpful and trying to get this resolved but even she is struggling to work this out.

In my experience I have never received such poor service from another bank: credit card company and would advise others to steer clear

If I could I would give 0 stars, the customer service is NOT SUPPORTIVE AT ALL!
I called on behalf of my mom and tried to help her throughout the whole call, they ended up reporting our call to CIFAS.
Untrained staff! I hope they see my review and start taking action

I joind aqwa 7.months ago
Thaye tolde me my interest rate was.37% then thaye increased it to 51% I phoned them to ask why this was increased all thaye could saye is. Because that's the way it is. But. Thank god there caching up with all the ripoff company's now. Avoyed Aqwa like the plague.The authority.s have Cort up with the likes of Morse's club and provident. Thaye will soon cach up with Aqwa card.

Aqua helped me to build my credit score. I started with £450 and after 6 months my credit limit is £2200 now.
The app is very easy to work with, the only issue that I have with the app is I can not save my debit cards for payment and every time I have to put all information for payments.

Aqua are awful. Stay away from aqua! Terrible company, terrible staff!