Sunny loan help

mabski

Hi

I'm looking for some help regarding a sunny loan that my wife took out two weeks ago.
My wife applied and was accepted for two hundred pounds online but she made a mistake with her account number, one of the buttons stuck and duplicated a number, so the money never made it into her account.

She phoned sunny who told her that she would have to check with her bank to find out if the account number they sent the money to actually existed and if it didn't that the bank would transfer the money back within five days.

We went to the bank and at first they didn't want to confirm that the bank account where the money was sent existed or not but we managed to speak to someone who told us that it didn't but that sunny would have to claim the money back as they would not send it automatically.

We again spoke to sunny who refused to claim the money back and told us it was our responsibility to get the bank to return the money not theirs, so back to the bank we went who again said as it was sunny who made the transfer they would have to claim it back..

Now we are in the situation that we're going to have to pay the loan back next week even through we've never actually received any money from them...

Has anyone got any advice on how we can handle this or any legislation we can use to get them to just claim the money back?

Thanks for any advice given

molerat

Firstly check if the account exists https://www.sortcodes.co.uk/
If not then the money will have gone into a holding account and should be sent back to where it came from. If the account does exist it is another problem. Whichever way you can do nothing as the money has not been sent to you, Sunny need to claim it back. If they do not play ball you need to start an official complaint. https://sunny.co.uk/contact-us

CakeCrusader

Hi.

This sounds really stressful Does this help? http://www.financial-ombudsman.org.uk/publications/technical_notes/wrong-account-payments.htm (sorry, it's too long to cut and paste)

http://www.thisismoney.co.uk/money/saving/article-2784068/Banks-raid-accounts-cash-sent-accident.html

warwicktiger

If olny one digit was wrong then the account cannot exist, all banks use a check digit system, so the money must be sat in a suspense account.

mabski

The money is sat in a suspense account its just that sunny wont claim it back...
They are saying that the bank needs to send it back whereas the bank are saying sunny need to claim it back, so we're stuck because neither with alter their stance on the matter.
Thanks

DCFC79

mabski wrote: »

The money is sat in a suspense account its just that sunny wont claim it back...
They are saying that the bank needs to send it back whereas the bank are saying sunny need to claim it back, so we're stuck because neither with alter their stance on the matter.
Thanks

Have you made an official complaint as been suggested ?

mabski

I will be as soon as I have spoken to the wife after work

tonyh66

look on the bright side, if the payments for the loan come out of the bank account that doesn't exist then you won't be paying for the loan you haven't got.

mabski

Haha I wish this were true unfortunately the pay into your bank account but take from your debit card, which they check before they give you a loan unlike your account number...

glennstar

Sunny would have checked both accounts, debit and card and made sure they can arrive at a correlation as best they can in the prevailing conditions - that is to say they have done their DD to the FCAs satisfaction or they would not have Full Permission.

warwicktiger is correct. This is a basic hash check which would have failed and the remainder of the transaction would have resulted in a decline... unless Sunny (and you don't mention if this was a direct application to Sunny or via a broker) then threw an account/card confirmation page in which case the same "one of the buttons stuck and duplicated a number" event would have happened.

As always, DCFC79 makes a sensible suggestion, go and seek support from the regulator... if this really is the situation as you suggest. If you are serious and feel you have a legitimate case make sure you send and email (and keep a copy of it) stating you have an issue (provide all the information you can, dates, times, accounts, emails, site you applied on, a copy of your SECI, etc) and that you have escalated the matter... and then send them a letter with the same information therein. This step is important as it will possibly act as an interest break, if you are indeed exonerated.

If the above is not 100% accurate (i.e. "one of the buttons stuck and duplicated a number") then you have consider that it is against the law in the UK to provide false information for any financial services application and review if this statement has any bearing on the matter.

mabski

Hi Glenn thanks for the interest i applied directly to sunny via their website.
i have now emailed sunny's complaints dept giving them the opportunity to sort this out before i escalate the issue.