Sunny Reviews - www.sunny.co.uk

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★☆☆☆☆

“Should wear masks ”

Written on: 05/06/2019 by crThorpe252 (1 review written)

Sickening interest rates for a small loan. Only used because desperate. Which is of course what they thrive off… Read Full Review

Wearesunny's Comment

Written on: 06/06/2019

Hi there,

We're sorry you're dissatisfied with our interest rates. The interest we charge on our loans is in line with FCA regulation - it is capped at 0.8% of the amount borrowed per day, and the total amount repayable in interest and fees (the latter of which we do not charge anyway) will never exceed 100% of the amount borrowed.

Best wishes,

The Sunny Team

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★☆☆☆☆

“Petty , Unprofessional, Not to be trusted”

Written on: 04/04/2019 by AW1553 (1 review written)

Had to lodge complaints to Financial Ombudsman Service about Sunny Loans over a year ago. Today asked for a £250 loan on-line simply to test the water - I have total £1670+ per month proven, guaranteed income. However inside of a minute of completing all sections of (pretty vague) application, sent me "decision email" rejecting the application, declining to provide any reason or explanation. This refusal is blatantly made as "petty payback" because of my earlier recorded formal complaints to… Read Full Review

Wearesunny's Response to AW1553's Review

Written on: 05/04/2019

Hi there,

Thanks for your review. Please be advised that where a customer has previously raised an affordability complaint with us, it is our policy not to lend to them again as it would be irresponsible to do so. It is also unwise to apply for credit that you do not need.

Also please be advised that Sunny is not a part of, and has no affiliation with Provident Financial. Sunny is a trading name of Elevate Credit International Limited.

Best wishes,

The Sunny Team

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★☆☆☆☆

“Loan ”

Written on: 11/08/2018 by Sarahnas72 (1 review written)

You have gave a loan to a crack head with no job and Homeless you should be ashamed of your company . Sorry and you wonder why people top them selves… Read Full Review

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★☆☆☆☆

“Waste of time ”

Written on: 15/06/2018 by wvHubbard177 (1 review written)

I recently applied for a loan, and upon first opinion thought easy but thorough application so I proceeded.Then I got a message asking for an upload to be sent I did so promptly. DAY 2 received a further message requesting a further upload of a utility bill, showing issue date, name and address and Company it was from. I did this promptly with 2 utility bills,only to receive a further response saying it was not good enough, I took photos again and sent them. DAY 3 please upload further details… Read Full Review

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★☆☆☆☆

“Incompetence, lies and delays.”

Written on: 03/04/2018 by 1970McCormick (1 review written)

Sunny.co.uk agreed to remove the default they incorrectly placed on my credit file, but almost two years later it remains. I updated new my home address when I moved house, but this was simply added to the 'notes' on my account rather than actually updating my address when I called their customer service team. This meant that the automatic debit card payment could not be processed because the old address they held did not tally with the one held by my bank. They then lied about agreeing to… Read Full Review

Wearesunny's Comment

Written on: 04/04/2018

Hi there,

We're sorry you had this experience. We're working with our customer care team to resolve the situation for you. They will be in touch with you directly once we have an update.

Thanks,

The Sunny Team

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★☆☆☆☆

“A slippery slope”

Written on: 08/02/2018 by Self168 (1 review written)

I had 10 loans with Sunny over a period 8 month period in 2016/17. Got myself into a total mess with Sunny and several other PDL companies. Myself to blame of course. When I contacted Sunny to explain the situation to them and make an arrangement they were - initially - understanding and quite helpful. That all changed when, on the advice of the CAB, I made a complaint to them about irresponsible lending (even a cursory glance at my credit file would have shown my borrowing was escalating and… Read Full Review

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★☆☆☆☆

“got dumped on ”

Written on: 24/09/2017 by Paytoni282 (1 review written)

paid all my loans never missed a payment and paid them all off early , applied again and got declined disgusting service i feel cheated. if i had known they would treat me like this i wiuld of never paid them all off early. disgusting service. steer clear of them… Read Full Review

Mattsices's Comment

Written on: 23/01/2018

I had the same happen to me. Paid mine off early never missed a payment and then got refused when I tried again..

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Mattsices's Comment

Written on: 23/01/2018

I had the same happen to me. Paid mine off early never missed a payment and then got refused when I tried again..

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★☆☆☆☆

“Closed account..”

Written on: 01/07/2017 by Aggy87 (1 review written)

I used to use sunny all the time.. must of had about 5/6 loans or more. Never missed a payment always paid up early when I had extra cash. But then they would offer you a loan "your able to apply for a loan up to such and such amount" but then I would and get declined! Is this all so it could go on my credit file!? Why offer and not give it. For saying I've never missed a payment.. I had to change my payment date as my pay day switched days.. all was fine. Paid it off. But now they have closed… Read Full Review

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★☆☆☆☆

“stating on my credit file i still owe them”

Written on: 11/04/2017 by NoemiFarley258 (1 review written)

Took out several loans with sunny. I have paid all back and my online account states that my outstanding balance is 0.00 yet on my credit file they state I owe them requested that they sort it which they have it removed only to be put back on my credit file a week later. wouldn't give this firm the time of day look else where for a quick loan if you need one… Read Full Review

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★☆☆☆☆

“Phoned to change details of account due to changing...”

Written on: 12/01/2017 by coPollock131 (1 review written)

Phoned to change details of account due to changing banks. They would not take the details on phone and insisted I would need to upload them online via their website. It would not upload. So phoned them to make payment over the phone. Same response upload card sunny side up for underwriters. Still didn't work. Website glitch ? Phoned 7 times and got nowhere. Now I have seen they have doubled my balance on the late payment which is their fault and affected my credit file as a a default late… Read Full Review

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★☆☆☆☆

“sunny”

Written on: 28/05/2016 by tpDavidson183 (1 review written)

Unfortunately Sunny have now joined the rip off culture. Used to be able to,get a short- term payday loan for a modest fee eg £5 interest for £100 quid for loan of a few days. They now use a 6 month loan period £200 quid costs £400. If you want to repay early ie less than 31 days you can't. And if you want to pay following month ie early £56 fess for £200. Disgraceful… Read Full Review

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★☆☆☆☆

“STAY AWAY ”

Written on: 19/12/2015 by 18Merritt (1 review written)

PLEASE PLEASE STAY AWAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!FROM THIS COMPANY THEY ARE COMPLETE RIP OFF MERCHANTS AND HAVE NO MORALS THEY ARE DISGUSTING COMPANY QUICK ENOUGH TO YAKE YOUR MONEY BUT USELESS AT CUSTOMER SERVICE!!!!!!!!! STAY CLEAR… Read Full Review

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★☆☆☆☆

“Complete rip off”

Written on: 16/10/2015

I've not had a loan but did look then noticed the charges. How do they get away with it. Wonga all over. anyone who charges people almost double what the borrow are bad. £1400 borrowed. £2749 need to pay back. How does that help people with not much money. Why would people even consider borrowing from these lot. Sunny advert. Thunder ending. The government should step in and close these people down. An absolute rip off. What is wrong with this country. And I wrote a word that I wasn't aloud… Read Full Review

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★☆☆☆☆

“Closing Account. SUNNY LOANS”

Written on: 30/09/2015

Became a habit to cover my Gambling Addiction. I paid my last outstanding bill today so I now owe them nothing. However I wanted to close my account, where is this information, why make it so hard for a customer to close their account. I rang and told them my situation that I had a gambling problem and it should be made clear on their website on how to close your account. I gave my details and supposedly this was done over the phone (ACCOUNT CLOSURE), I than logged out and went went to login to… Read Full Review

Aj69's Comment

Written on: 14/04/2016

I believe its a legal Requirement that they send you statements every six months for i believe 6 years . (please tell my if am wrong) but that dose not mean you owe them money. Aj

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★☆☆☆☆

“They can decline anytime ”

Written on: 12/08/2015 by vuWood24 (1 review written)

I've been using them for over a year and ive always paid on time and never missed a single payment. This month I was really short and since ive never been declined before Also nothihg changed in my credit file I got declined! No loyalty to customer and they can just decline you for no reason despite saying we can offer you this amount. Never trust those jokers and stay clear because they'll let you down when you need them he most… Read Full Review

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★☆☆☆☆

“Rubbish”

Written on: 01/08/2015 by DexterDavis364 (1 review written)

Its Rubbish,yestrday i fill up aplication,and they send me the latter that will takes couple of minits ,but now is a 8:44 in a morning and still nothing from them,rubissh… Read Full Review

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★☆☆☆☆

“Fraud committed, zero help from customer service”

Written on: 29/07/2015

I was a victim of fraud in March 2015, the fraudster took out a Sunny payday loan using most of my information but also some incorrect information. I rang Sunny the same day to explain that this was incorrect, to be told "well why would someone committing fraud put money into your account?"… simple… They were spending MY money and ran out, if they put it straight into their account they would either be caught, end up with an expensive payday loan or as with me, have their credit score… Read Full Review

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★☆☆☆☆

“R.I.P off”

Written on: 22/07/2015 by 327Robles (1 review written)

Would you go into your local supermarket for your weekly shop, spend 100 pounds. Pay the 100 pounds to the person on the till. Then on your way out at the exit have to give the shop a second 100 pounds for nothing extra, in this case another 100 pounds. Of course you wouldn't. So why do the same for items you are getting a sunny loan out for. Because that is what you will be doing and more, under the APR they charge. It's the same with most of these pay day type companys… Read Full Review

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★☆☆☆☆

“My ex, while he had been with me, created an account...”

Written on: 11/02/2015

My ex, while he had been with me, created an account with Sunny, without me knowing about it. He used my bank account & debit card detail, even my email address. I wasn't aware of all of this for several reasons A) emails from them ended up in spam until i found out about it, because i never checked spam mails B) all i knew about my bank account was, that i was to log in every payday online and he would move my money around, not to ask questions & any bank statement i received disappeared… Read Full Review

Scotste's Comment

Written on: 28/02/2016

I think you need to blame your ex instead of the company, if you are going to log on to your babk account and let him move mobey around it's hardly sunny fault.

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★☆☆☆☆

“awful”

Written on: 11/12/2014 by 160Wallace (1 review written)

got accepted for a 200 POUND CREDIT LIMIT THEN WHEN I TRY GET 100 OF THIS IT SAYS RUNNING FINAL CHECKS WHICH MEANS THEY ARE TELLING ME IM APPROVED FOR THINGS THAT I AM NOT BASICLLY FALSE ADVERTISING MY ACCONT NOW SAYS RUNNING FINAL CHECKS HAS BEEN FOR OVER 2 HOURS SINCE I APPLIED I WOULDNT WASTE MY TIME WITH THESE AGAIN… Read Full Review

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