Newday closed Aqua card due to being overlimit

[Ninja1337]

Hello,

 

Just asking for some advice and really reassurance of what it can mean.. 

 

I have an Aqua Card which was with a a £1300 limit,

due to being in a spiral of debt with other loans and issues, I didn't manage it very well. 

I did in the beginning, but I managed somehow to go over it by quite a bit.

Current statement is around £4k. 

 

Talked to customer service today, and they told me the account was closed on 7th of October.

I had being paying in every month, so I was not with any late payments. 

 

I queried what that meant and I eventually got put to a dispute department who was very vague what this meant.

He only said , we have withdrawn your credit and have a look at your credit file.

When I asked if I should continue to pay, he said I could do so if I wished and when asked if I would receive a letter he said you may or may not.... ?? 

 

What does that even mean?

 

I also have a new day amazon card,

which I am up to date with,

but I believe I have the same issue there too,

so I assume they closed my account throughout the whole system?

 

Am I in trouble?

Or will it be just normal collection procedures.. 

 

The reason for being quite a bit over limit I believe is due to that direct debits have not been successful,

but temporarily taken and credit on the aqua account,

but then taken back in a couple of days.

 

So dumb, I know.

And also partly they're to blame if they credit it to you before it's cleared.. but hey.. 

 

 

[dx100uk]

simply means you cant attain further credit using the card

pay as normal

doesn't ally to all your Newdays cards no.

 

dx

 

[Ninja1337]

So I won't be charged for like fraud or anything like that sort will I? (Just thinking of the direct debit giving me temporary funds to spend)

He was just so vague, I just don't get why he wouldn't tell me why he had cancelled it. 

 

Now, if this happen to my Amazon Account too, which I believe it has as I am sure i could instantly use funds when I had paid so it was below the threshold... 

Since that account is up to date, I would not be charged with any overlimits or default as long as I keep paying right? 

 

 

[dx100uk]

as long as you meet the payments by the dates they shouldn't mark or default you no.

but you are running a thin line here.

 

why are you so reliant upon high int credit?

 

was any credit given whilst your CRA file was full of defaults from elsewhere,

if so 

 

IRL.

 

dx

 

[Ninja1337]

I had some loans when I had this yes, but I honestly don't think I am going to go that route with Aqua. 

My main concern now was what this meant, as he was not willing to explain anything and only said check your credit file which scared me. 

 

I plan to pay it all up by mid next year, it will take some time. 

[dx100uk]

always better to write if you have an issue or use their live chat 

[Ninja1337]

Well, I managed to login in to my Amazon account too yesterday, but this morning it was blocked.

 

Called up CS, and they said that I had closed the account on the 7th, this account has been up to date an I have not gone over the limit. So I am not sure what to take from all this..

How do they expect me to keep paying on it if they remove my access? 

 

I am tempted just to go to their complaint service, especially for the Amazon one and ask what they are thinking about this and why I have not gotten any information..