Case Study

Aqua — two defaults deleted after eligibility challenge

Kieran, 30, Glasgow

Aqua
Default Removal
5 weeks

Background

Two defaults from cards Kieran was mis-sold when unemployed.

The challenge

Original agreements were poorly documented.

Actions taken

  • SAR for full underwriting file
  • Irresponsible lending complaint
  • Escalation to FOS where Aqua initially refused

Outcome

Both defaults removed and £600 compensation for the affordability failure.

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