Aquacreditcard 

Applied for 0% balance transfer. Paid a fee and got the card. They’ve charged me two lots of interest and said because of my credit rating it’s not 0%. I wouldn’t have taken out the card if told that at the start. It’s a con. Don’t apply for this card.

Well I was Starting to get frustrated, now I’ve had enough of this organisation

Affordability complaint is dragging on as your company just seems to miss deadlines and are masters of stalling.

Then one of your executive complaints team, has to be one of the most unhelpful, arrogant and condescending people I have ever had the misfortune to have to have dealt with .

Unable to accept that even if you have sold off a loan , the fact that the complaint is about the selling off , means that it is the responsibility of your company and not that of the purchasing company.

Speaks wonders about the general intelligence and competence of your staff, when they cannot grasp this simple concept. Or in general is it just your company’s policy to be awkward and rude. This in addition to the fact that you feel you can just ignore the standards of lending practise.

Avoid New Day like the plague, and as they flagged the first review I have reposted it. I wasn’t aware that we lived in Soviet Russia where freedom of speech isn’t allowed.

Advice for other complaints
As someone who has had numerous issues with Aqua, marbles and Newday , both before complaining to the financial ombudsman and afterwards. Putting up with weeks of stalling , ignoring the lending rules and refusal to investigate a complaint. I would like to encourage anyone who has issues with these companies to complain to the FCA in addition to the ombudsman.

Although the FCA will not investigate individual complaints , every one is logged in a register against the relevant company and obviously the more log entries the more likely FCA will be to take appropriate action at Newday’s Behaviour

Update since last negative reviews - they have sent a response to a marbles account which is closed online so no way to access the response and the response itself was just another example of incompetence in action

Got an aqua card to help me improve my credit score for a mortgage. They have been horrendous, you never know how much is on the card because they give you false info . Swerve them at all costs. Will take me months to recover

I have been shocked to realise that Aqua reduced my credit limit with about £1300 without prior warning and l have not missed a payment recently. I had actually budgeted that money towards moving house. Now these people want to leave me homeless. Avoid this company like a plaque they will leave you in real crisis. I am also shocked to see that they have such terrible reviews on here. I thought they were a good company.

I received card I’ve never order I don’t know company. I’m angry because someone use my details like address and who know what else. Company have a bad practice. Do not trust them. Tomorrow I will contact with my bank if they will see something suspicious.

I have been with Aqua since 2014, 6 months afer i joined Vanquis. It's now the 14th of March, 2022. They increased my limit to £1,950 & in all these years, I can count on one hand the amount of times I've gone over my limit, or missed a payment. Then around 2019, after making a payment on my account of over £1,200 & without contacting me, they reduced my credit limit to £550 for absolutely no reason, I hadn't gone over my credit limit, or missed any payments in years. Then last month because the interest took me over my credit limit by £35, they have now reduced my credit limit to £250. I have had nothing but problems with Aqua. About 7 years ago they even blocked my account and said that I was this Mr big fraud person and I wasn't who I said I was. They soon felt pretty stupid when my bank confirmed my id. They can carry on reducing my limit down to 0 I really don't care, I'm not going to phone them, as I have nothing to say to them, I have 5 other credit cards I can use & I'm just waiting till my credit score improves & I'll take great pleasure in telling NewDay/Aqua to 0121 DO ONE lol, unlike Vanquis who have been fantastic & have helped me a lot over the years & will have a customer for life.

At first i thought Aqua were Just another bad Credit Card Company. But i have to be honest. I went through a mental health Crisis . After finally speaking to the Correct people at AQUA they were very supportive. They Gave me a payment holiday and froze interest. This was when my card was maxed out to £7500. They still did it. They also seem to of put me on a payment plan to reduce my debt to them without me getting stung on high interest :) :) This will help me pay them back much quicker . Thanks Aqua for supporting people with mental health disabilities fairly under the equality act :) :)

Avoid, not only are their interest rates appalling, when something goes wrong with a purchase, contrary to their promise that they will sort it, they will wash their hands of all obligations, very poor service

I have personally found the call handlers very rude and misleading.

Aqua credit card is a scam. Theyre advisors give you false information. They have stupid interest rates. Rude customer service advisors. And all around they’re scammers. Stay away from this company!

Thief's. Better you don’t need them. I used them for a long period of time until i checked my annual statement 👀👀👀. I have finally break free.
I will never use this business again

Even though i paid £5700 off a £6500 statment balance.
Aqua (NEwday) charged me £330 interest on this £1000. My APR is 40% approx this is around 3.8% per month. so the interest should of been £33 ish.
They have charged me around 1000% more interest than the contract states .Their staff gave me 3 different lies to justify this . All can be proved wrong based on my payments and statements. Clearly there is a system fault. This should be reported by them to the FCA , something they will not do !!!
I am currently taking them to court for breech of contract and mis selling of a loan to someone with mental health disabilities and Mental health Discrimination "Failing to make reasonable Adjustments As per equality act 2010

If you with Aqau Card Check you statement for January 2022 have they over charged you interest as well ??

Excellent Company as long as you used it carefully , if you stuck paying interest then it would costly to you so my advice use it wisely and try to paying full each month then would find very useful credit card with very good credit limit . Very Happy so far..

LookI went shopping this morning, went to the ATM to unblock my card, well after many tries I them decided that I would phone customer service, to explain my problems, I then I went into Tesco but no luck, the chip must be damaged, so whilst it worked for online shopping, it doesn't recognise the pin number so I think that for the month I have had trouble constant trouble.
So I think aqua please reorder a new one for me please, and a pin reminder also.why is so hard to get a response back from them when texting, I am at the end of my tether, my patience wearing very thin, please aqua I just need to get my card sorted out now.
order a new one for me.
Please.i am a nervous wreck.waiting for a text back

I am writing this from another phone, as I have waited for over 3 hours to get through to the person to help me with my pin number, but can I get past the waiting time ,5 times I gave waited over 1 hour for a person to get back to me, they finish at 4pm why cantbi get through the waiting time, are they on a sit in not answering calls oh yes I did get through but mybphone battery gave up. This is an important call for me I am in that vinerable group, how on earth can I get past tge infuriating voice , talk about automation. Give me a switchboard anyway.
Please aqua I can't put up with anymore.
This is another nail in my coffin ⚰ for my card not working I can't drive to a atm 15 miles away
Well I got to speak to someone at 14.09, over 3 hours many phone charges later just fir a 5 minute call, still my pin unlocked now I have to do my bit at the atm.
But I should not have to complain
There should be a special number for those vunetable like me to.use.

Applied for this aqua card everything went ppthrough ok but after activating could not log in to look at account. So thought if this is the service before spending any money l hate to think what it be like if you owe money and can't log in they be charging loads and saying you not paid .bunch of cowboys and a 6 Yr could run it better

Aqua has the most awful interest rate and when you are paying off your card, the interest is added on and you are back to where you was before! They literally like to take your money and don’t give a damn if you are struggling with money. I’ve tried to let them know my circumstances and I always get no where!

I’ve needed to apply for a 0% balance transfer with a different company so I can pay it off every month with no problems. I am £1,291 in debt. I can’t believe this company has got away with so much.

Terrible Credit Card company.
To complain use a free complaint platform recommended by Martin Lewis Money Saving Expert.
resolver.co.uk
You will get nowhere if go via Aqua own complaints procedure.

I ve been paying my card regularly and they would send letters saying you owe another 90 etc so I would pay it and it got so high each month. I paid at least minimum then extra. I stopped gettit statements about February and I don't have a clue, the ap never worked can't sort it as I changed my phone number and they've now sold my debt into an agency so..yeah..I gave them a lot of money each month. I think they did this so that could sell it on cheap. I actually paid this off before and they reduced my limit to 350! Then Unused the card for another unexpected bill and they heaped lots of interest and over limits etc and I paid what was asked. Ah well, it's only money..Customer service don't help.

Avoid, have been trying to sort out a transaction since Sunday.

Tried to get through to fraud department which is a joke been sent round the houses, call answering system asks the same questions over and over again .