Can’t pay my aqua credit card

Can't pay my Aqua Credit Card

If you can’t pay your Aqua Credit Card bill on time, you need to take action quickly. Do not ignore the situation and hope it will go away. Debt has a nasty habit of spiralling out of control.

If your Aqua Credit Card is one of several loan repayments you are struggling to make, you should consider setting up a Debt Management Plan with a reputable Debt Help Company. We recommend this organisation because they are leaders in the debt help industry and get excellent reviews.

Are you completely stressed out? Do you just want someone else to take care of your debt? Write off up to 80% of your debt?

I cant’t pay my Aqua Credit Card, what should I do?

The Aqua Credit Card was promoted as being able to rebuild your credit rating. This may well be possible. But that assumes you pay your credit card bill on time. It is not uncommon for people to have difficulties paying their Aqua Credit Card because it was promoted to people with a poor credit score. What you should do really depends on how much you owe. If you owe money to several lenders and cannot pay several of them, then it is fair to say you are in quite serious financial difficulty. You look at getting assistance from an experienced debt help organisation like this one.

If on the other hand, you are able to pay all your bills apart from your Aqua Credit Card, it is likely that next month you may be able to save enough money to pay off your credit card bill. In which case we suggest that you contact Aqua and advise them of your situation. They may be willing to accept a delayed payment.

I have multiple lenders demanding payment

If you are behind on payments to multiple lenders you really should get help from an experienced Debt Help Organisation.

A good Debt Help Organisation will:

  • Become the main point of contact regarding your debt so your creditors stop contacting you
  • Negotiate a significantly reduced monthly repayment
  • Negotiate that your interest rate be lowered or even frozen so no further interest is charged
  • Negotiate a discount on the total amount you owe. In some cases, people have had up to 83% of their debt written off.
  • Manage the payment of your debts. So you would make one monthly payment to the debt help company and they would then divide your payment between your creditors.
  • Provide you with general tips on getting out of debt

We recommend getting in contact with this debt help organisation. They are one of the largest in the UK and get a lot of excellent reviews.

This is what Aqua has to say about their Aqua Classic Credit Card

You may improve, or repair, your credit rating by keeping within your credit limit and making your payments on time. After four months, we might even up your limit too.

Aqua classic has helped people get credit. Why not give it a try?

  • No annual fee
  • The aqua MasterCard is accepted at over 35.9 million places worldwide
  • An initial credit limit between £250-£1,200 – which could go up later
  • No interest on what you buy, if you pay the full amount on time each month
  • Text reminders, so you need never miss a payment
  • Our UK-based, 24-hour customer helpline
  • Manageable monthly payments and ability to change your payment date
  • You can run your account online

The aqua classic is our most popular credit card. It’s for people with a bad credit history – self-employed, money problems in the past, or just not a huge amount of money coming in.


Find out if you could WRITE OFF UP TO 80% of your debt!

Do you want to make a complaint about Aqua Credit Card

You can contact Aqua Credit Cards in several ways:

To make a complaint over the phone, please call Aqua on 0333 220 2691*

*Calls are charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.  Their lines are open seven days a week, 8am to 9pm Mon-Fri, 9-5pm Sat and 10am-6pm Sunday. Calls may be recorded or monitored for training and security purposes.

Alternatively, you can put your complaint in writing and send it to:

Complaints Department
PO Box 700
LS99 2BD

The Financial Ombudsman Service is an external body which plays a key role in the complaints process. The Financial Ombudsman is an impartial and independent organisation formed to help settle individual disputes between consumers and financial services businesses without taking sides.

Taking a complaint to the Financial Ombudsman Service

If Aqua has not been able to resolve your complaint to your satisfaction once they have given you their decision, you are able to refer your complaint to the Financial Ombudsman. They will only investigate your complaint if you have already tried to resolve it with Aqua first or if it has been more than eight weeks since you first raised your complaint with Aqua.

If you are going to the Financial Ombudsman Service because you are unhappy with the outcome of your complaint, you will need to do this within six months of receiving their final response letter.

You also need to contact the Financial Ombudsman Service within six years from the event you are complaining about (or – if later – three years from when you knew, or could reasonably have known, you had cause to complain).

Contacting the Financial Ombudsman Service

You can contact the Financial Ombudsman Service:

by post:

Financial Ombudsman Service
Exchange Tower
E14 9SR

by email:

by telephone : 0800 0 234 567

You can contact the Financial Ombudsman Service via an Online Dispute Resolution (ODR) platform that has been created by the European Commission.

The ODR platform will forward your complaint to the Financial Ombudsman Service.

For more information about ODR please visit the European Commission website.

Before you are entitled to go to the Financial Ombudsman Service, you may find it helpful to make use of the FLA’s conciliation scheme to resolve your complaint.

You can write to: the FLA’s Conciliation and Independent Arbitration Scheme, addressed to:

The Compliance Manager
Finance & Leasing Association
Imperial House
15-19 Kingsway
London WC2B 6UN

Fax: 020 7420 9600

The legal stuff

Credit is provided by NewDay Ltd. NewDay Ltd and NewDay Cards Ltd are companies registered in England and Wales with registered numbers 7297722 and 4134880 respectively and form part of the NewDay group of companies. The registered office for these companies is: Two Pancras Square, London N1C 4AG. NewDay Ltd and NewDay Cards Ltd are authorised and regulated by the Financial Conduct Authority with numbers 690292 and 682417 respectively. NewDay Ltd is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (Ref no: 555318) for the provision of payment services. aqua is a trademark of NewDay Cards Ltd, which is used under licence by NewDay Ltd.