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Hi,

 

Just wondered if any of you have used Sunny? It's different to the usual payday loan as it gives you a credit limit and then you choose when and how much of that you need, a bit like a credit card.

I signed up for this earlier as I thought this might help my credit rating a bit if I use say £100 of my £500 limit and then just keep repaying in full each month.

However, it said I was approved with a £500 limit and when I requested just the £100 it kept saying "doing final checks" (so obviously not approved as previously told lol)

but that the money would be with me in 15 minutes.

It isn't and my Sunny account still says the same.

Did any of you have this happen?

Thanks.

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Dont. Stay well away.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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No experience of pdl's happily, but they will only have a negative effect on your credit rating.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Yep. As caro said, the use of any PDL even for £1 will have a detrimental affect on your credit rating. If they are saying that using them will help your credit rating, then you must report them.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Sunny did not report any payments, they did credit check me on application.

That said I was not a defaulter and was no worse off from borrowing though I'm not wanting a mortgage anytime soon either

 

Bad old days 1 month loan would cost interest of £70

a loan with this lender cost £75 OVER 4 months, so hope their giving the bad & ugly a run for their money!

Where do you go when the bank says no? Want to be educated? Ease up on OP, lots of people manage to pay their loans back! And your right it is different to a payday loan, hope you get approved if that is what you what :-) think you might have to contact them!

Edited by A girl called Flow
.
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Sunny did not report any payments, they did credit check me on application.

That said I was not a defaulter and was no worse off from borrowing though I'm not wanting a mortgage anytime soon either

 

Bad old days 1 month loan would cost interest of £70

a loan with this lender cost £75 OVER 4 months, so hope their giving the bad & ugly a run for their money!

Where do you go when the bank says no? Want to be educated? Ease up on OP, lots of people manage to pay their loans back! And your right it is different to a payday loan, hope you get approved if that is what you what :-) think you might have to contact them!

 

No -one's judging the OP but we see so many suffer as a result of pdl's that most would discourage them. It's the pdl's I judge who take advantage of people when they're struggling.

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Very curious post from a relatively new poster.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi,

After thinking about it and from your advice I actually contacted them and cancelled my application. I will think of another way to try to improve my credit rating. Obviously, I am paying all of my utility bills on time etc and I have a sim only contract at the mo which I'm paying fine so that should begin to help anyway. Thanks again.

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