Aqua card irresponsible lending claims

[Mak89]

I have owed a lot of money to aqua (credit card) from a few years ago.
I keep having people email to say they beilive I have a case for irresponsible lending.
Only problem is these company's charge an absolute fortune. Does anybody know how I could do this myself? Like a letter template. Or just some advice.
Appologies if this has already been posted but I searched and couldn't find it.
It got to the point where my minimum payment jumped up to more I was getting paid each month and it spiralled out of control.

Thanks in advance.

[echat11]

Hi MAK89

Welcome to LB

If you believe 'irresponsible lending' has taken place, first thing to do, is make a Formal Complaint against Aqua, their complaints procedure will be on their website. Make sure you have evidence, it might be an idea to send a SAR first, they will send you all the data they hold on the account. They have 30 days to respond.

https://legalbeagles.info/library/gu...ccess-request/

A letter that you can send, give reasons why you believe 'irresponsible lending has taken place, the evidence you have i.e. income etc. Personal circumstances i.e. health etc.

https://www.nationaldebtline.org/sam...o-your-lender/

Once they send you a final response / Deadlock Letter and if you aren't happy with the response, you can complain to the FOS.

https://www.financial-ombudsman.org.uk/