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Sunny Irresponsible Lending Complaint


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Hi there,

I have had a total of seven loans with Sunny and have submitted complaint for irresponsible lending.

 

They have partially upholded complaint and have agreed to refund interest and charges on two out of seven loans, plus 8% statutory interest.

 

They have also agreed to remove details of two loans from credit files.

 

This still leaves five loans showing on files.

 

All loans are settled.

 

have a number of complaints open with other lenders,

two of which have asked for bank statements and copies of Credit files (another issue).

 

Should I accept Sunny response, or should I escalate to FOS?

 

This is a partial success and best result so far,

but I am trying to sort out Credit files for good with no future ‘bad’ borrowing.

 

Just wondeered what you guys think. Many thanks.

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goto the FOS

no harm in trying

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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As the result has partially been upheld then you can go to the FOS to challenege the other parts which were not.

But also the FOS may consider a re-determination on the existing part of the complaint that was upheld.

 

As for Credit Files - Go get copies of them now if you dont have any from the times of when the IRR Lending occurred.

Any accounts on there will be there for 6 years so history will be available for the FOS to see what a snapshot of your finances were at the time.

 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

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