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Sunny – some loans written off & the rest sold to a debt collector

UPDATE – Administrators tell people to submit claims

On 4 November the Sunny Administrators said there may be some money for refunds and they are wiping people’s credit records who had unaffordable loans. See 500,000 Sunny customers owed refunds will get little or nothing for details.

UPDATE – loans sold

On 2 October 2020, the Sunny administrators sold part of the Sunny loan book to Perch Capital, who employs Asset Collections and Investigations Limited (“ACI”) as their debt collections agency. The loans that have not been sold have been written off.

This is what has happened:

  • the administrators have assessed all the open loans to see if the customers might have a good affordability complaint. They looked at whether the borrower’s income was sufficiently verified and whether there were more than 5 loans without a break in lending.
  • if this found that a refund was due, it was used to reduce or write off the loan balance;
  • where the balance was written off, customers credit record will be marked as settled in full. I hope any default will be deleted but this has not be clarified.
  • where a balance remained, it has been sold to Perch.  Customers do not have a right to object to this sale.

People are being informed by email from the 5 October whether their loan has been written off or reduced. And if it has not been written off, they will be told by email that their loan has been sold.

People who do not owe a current balance are unaffected by this.

Man looking into an empty bank vault - will there be any money to give refunds to Sunny borrowers?

Will there be any money for refunds?

The administrators say people may be allowed to submit claims in November, if sufficient funds are available in the Administration for a distribution to be made to unsecured creditors.  The administrators will also explain then what people who have already submitted claims, or who had claims agreed but not paid when the company went under, need to do.

But that “if” clause is important. The administrators are saying that there may not be any money to distribute, so in that case there would be no point in people submitting claims.

This is in line with the Administrator’s Proposals published in August which said:

Based on current estimates, it is uncertain whether there will be a dividend to unsecured creditors. As a result, at this stage we are not adjudicating customer redress and others unsecured creditor claims.

 I don’t know how likely it is that there will be no money left. It may just be the administrators being very cautious. It may depend on how much they have sold the loan book to Perch for.

But even if there is no money to pay out, many Sunny customers will be concerned that their claims should be assessed as they will want unaffordable loans removed from their credit record.

Background to the Administration

Elevate Credit International Limited (“ECIL”), which traded as Sunny, 1 Month Loan and Quid went into administration on 29 June 2020. KPMG has been appointed as Administrators. They have published some FAQs in the Sunny Administration here.

Sunny was a large UK payday lender.

Sunny joined the long list of lenders which have failed in the last year because of the increasing refunds to customers who had been given “unaffordable payday loans“: QuickQuid, Moneybox 247, Swift Sterling, Piggybank, Nextcredit, Peachy, Uncle Buck.

In the last half of 2019, FOS received 2,897 complaints about Sunny and it agreed with the customer in 76% of Sunny cases. This is more than twice as high as the average FOS uphold rate across all cases, which was just 35% for that period.

This very high uphold rate suggests that Sunny has given out a lot of unaffordable loans. I have seen many cases where people have borrowed continuously from Sunny for more than a year. Sometimes people have had more than 40 loans. but Sunny has only been upholding 8% of complaints made to it.

There is further background to this administration in these articles:

Administration is not a good result for customers – the FCA should act

Although I am encouraging people to put in complaints, they are now not going to get the full amount of compensation that FOS would have assessed.

This is not an acceptable situation.

In the case of Sunny, the FCA has known for several years that Sunny was not making good offers to complaints. Why has the FCA allowed this to continue?

And why has the FSCS not been extended to cover customers who have been given unaffordable loans?

I listed my proposals in More payday lenders go under – was anything learned from Wonga? and they remain relevant now. With every high-cost lender that goes under, the need for action by the FCA gets more urgent.

Comments on this article are now closed. Please leave any comments on: 500,000 Sunny customers owed refunds will get little or nothing 

Comments

  1. Cheryl Edwards says

    Me too, posted on here a few days ago. Have absolutely no idea why?? I am also building my credit score up and was looking ok until ‘Elevate’ added 6 loans…..

  2. Cheryl Edwards says

    It’s so frustrating that they have added previous settled loans to my credit file and I have no way of contacting them to ask why? It’s like being stung by them all over again. Why on earth add old settled loans, my score dropped 27 points after this and it was just starting to look healthy again……so frustrating ☹

    • D says

      Any idea why this is happening same here looks like they have removed some but added again with different prefix ie -ELEVATE as opposed to just elevate listed previously

      • cyrilv says

        Same here, the last satisfied default under “Elevate” was removed and re-added under the prefix “-ELEVATE”. This default is due to drop off on the 15th August. It has been added to the “closed loans” section of Equifax where the original one was. I do hope that this is just an admin thing and that it will fall off on that date as before. Equifax and Creditkarma remain unchanged for now, Experian up 17…

        • D says

          I contacted their customer service and was advised this update is a change in name between clearscore/ equifax. It should have no negative impact in long run just a change in name. I have no idea why they’ve done it should just remove them from customers credit files the pain they put everyone thru

  3. James says

    Hi Sara,

    I had Loans with sunny over a year ago now and had already had a payout from complaining with them back then by following your guides. However today when checking my credit report it showed that about 20 Elevate credit accounts were added to my report in July 2020 and then just below that the same 20 were listed but this time said removed?
    Do you have any idea why this would have happened or if it’ll have an affect on my credit?

    Thanks

    • Sara (Debt Camel) says

      no idea why but if you read the other comments it has happened to a lot of people.

      • James says

        Just see that after I’ve posted, I have contacted them for an explanation I’ll come back here with the response for others should I get one.

        Thanks again

  4. Cheryl Edwards says

    Same happened to me James, I hope you can get somewhere and speak to someone, I’ve got a feeling it’ll be radio silence…

  5. Steven says

    Hi,

    I recently raised an affordability complaint with sunny (elevate). I am a little concerned by the response (see below), is this true based a precedent set elsewhere? Or will cases be investigated even if there isnt money to distribute?

    I actually dont care about any form of refund, I just want them off my credit report…

    Reply – “If your enquiry relates to an affordability claim, your claim will be logged but will only be processed if the Joint Administrators determine that there are sufficient funds available to make a distribution to customers and other unsecured creditors.”

    Thanks

    • Sara (Debt Camel) says

      That is an interesting question but my answer is very long – I will write an article about it!

      • LL says

        Hi Sara, I received this same response from Sunny and was a bit confused about what it meant exactly?

        (I’m pretty sure I have a good claim with them 21 loans in about 9 months – I’m not worried about getting a refund, just hoping they’ll write off the remaining balance)

  6. Wilson says

    I have a question about sunny I’ve got 4 unaffordable Outstanding loans ( my case is C)) I’ve stopped doing payments what can I do if that affects my credit score? (Or will that affect my credit score?)
    By the way, I’ve contacted them saying I couldn’t afford as my wife is not working due to covid and im on low income, then they told me to fill an assessment form which I did, then on the website said there that I was in financial difficulties and I should contact debt management companies, they never got back to me in phone or email…
    Ive sent an unaffordable complain when they went into administration…
    So my concern now is my credit score and what shall I do

    Thanks

    • Sara (Debt Camel) says

      Your credit score is harmed by not paying but as it sounds as though you can’t afford the repayments, so you don’t really have much choice about what to do, do you?
      If you win the claim all negative marks will be removed from your credit rating.

  7. Matt says

    Hi Sara,

    I successfully made a claim against sunny back in 2017, in which the compensation covered paying off some of the outstanding payday loans. Which I have confirmation of on email, but I have just found out they haven’t reported the settlement of those payday loans to the credit reference agencies. Is it worth complaining again given the hinderance to my credit score (I was debt free in 2017) or just get them to actually action reporting the settlement of these back to experian etc?

    • Sara (Debt Camel) says

      Contact them and tell them they still haven’t finished the agreed settlement of your previous complaint.

      • Matt says

        Hi Sara,

        They just sent me the below, is that acceptable or should I push for them do to this now?

        Thank you for your recent call with us.

        Having investigated your account further we can confirm the remaining balance on your sunny loan should have been removed.

        We apologise this has not been completed, however, due to our company being in administration we are currently unable the write off. Once we are able to complete this we will do so with urgency.

        If you have any further queries please don’t hesitate to contact us.

        Kind regards,

        The Sunny Team

        • Sara (Debt Camel) says

          I don’t think that is acceptable. Administration or not, there is incorrect information on your credit record. I suggest you go back and ask when this will be done as under GDPR you have a right to have incorrect information corrected.

  8. Fm says

    I received very confusing email today saying sunny administers if you have existing complaint but if you object?Really so if object is there s chance you get more than thuppence back or what are implications the email was as clear as mud ??

    • Mat Hall says

      Yes I had the same email very confusing for me, glad I’m not alone in not understanding it.

    • Tyler N says

      Hi Sara,

      I have attached a summary of the email, Would there be any benefit in objecting or are we better off letting the administration take its course as it could effect if there is enough money to allow any sort of unsecured creditors redress?

      Email :
      If you are receiving this email, it is because you have previously submitted a complaint and the Joint Administrators believe that you may have an unsecured creditor claim against ECIL. The Joint Administrators are required to provide creditors with a copy of the Administrators’ Proposals and are seeking a decision by deemed consent that the Administrators’ Proposals be approved. The Administrators’ Proposals will be deemed approved unless 10% in value of creditors object by 3 September 2020 (“the decision date”).

      You do not have to do anything upon receipt of this email, unless you wish to object to the proposed decisions that are contained in the Administrators’ Proposals.

      The Administrators’ Proposals
      The Administrators’ Proposals document contains important information about the administration of ECIL, including a background to why ECIL was placed into administration and information regarding the Joint Administrators’ strategy for conducting the administration.

      The Administrators’ Proposals document is available at http://www.kpmg.co.uk/ecil.

    • Sara (Debt Camel) says

      The Proposals warn that there may not be enough money to make any distribution to unsecured creditors – which includes customers who are owed redress for unaffordable lending.

      At the moment it’s NOT clear to me that there is any benefit in objecting to the Proposals, but I am having a think about this.

      • Tyler N says

        Thats what i thought to be honest, if you think of anything id be interested to know.

        Thanks again Sara, Hope your keeping well!

  9. Matt says

    Hi,
    Can we not see whether we can get enough of us to challenge the Administrators to go to the parent business Elevate Inc….who pulled the business as they knew they would have to pay back millions. They have continued trading without a worry for all of us!
    I’m sure there must be a case for them “Piercing the corporate veil” to wash their hands of their responsibilities!
    @Sara what do you think?

    • Tyler N says

      I had a decent read of the proposals yesterday and one of the details was the now Administrators Ed Boyle conducted an investigation in 2019 with Sunny into different routes of winding down, if the business weakened, and the court said before allowing the administration to take effect “this prior investigation had no effect on why the company applied to assign administrators”..

      As much as i hate to say it the courts and UK laws are onside with Sunny so it would be impossible to force the US company to pay their dues or not take back their secured loan out of Sunny’s accounts before any unsecured creditors. Sunny was a limited company which easily protect the US parent and their overall funds.
      Sunny’s bank balance looks low after the 2 secured loans, employees wage and other creditors are paid first. It looks to be less than 1million left available to share between up to 550,000 customers (if all complain).. We’ll be lucky to get £2.

  10. AJM says

    I have over 20 loans. Complaint to Sunny and refuted. Went to FOS and they agreed with my claim. Sunny then offer around £80 and I obviously declined. I did my workings and was due around £1400 plus 8% tax. This went back to FOS and they agreed with my workings and we’re in the process of liaising with Sunny. We get hit by Covid so there was a backlog of complaints and then obviously Sunny go into administration. Pretty hard to take when FOS have agreed with me and they were in the process of telling Sunny to pay the amount id suggestion.

  11. Matt says

    Yes, agree
    However, the UK business was essentially its parent.
    Inc borrowed for Ltd and profits were distributed up the line. Effectively a shell business.
    Anyway, another example of poor ethics in the financial sector emanating from the US and a UK law that seemingly favours the greedy and morally inept.

    • Sara (Debt Camel) says

      the UK business was essentially its parent.
      That isn’t correct -the US company is massively larger than its UK subsidiary.

  12. BigP says

    Hoping for some advice. Had loans with Sunny totalling £1000 – recently made an affordability complaint but also offered what I thought was a fair compromise to clear the amount owed and remove the negative marks from my file.

    These loans were taken out in 2016 – I’ve made payment plans on and off and have paid off £700, but with fees, interest etc, I still owe £900. I had offered to pay the remaining £300 if they agreed to uphold my complaint and settle as I had outlined (ie. having borrowed £1000, and ultimately paid back £1000) but just got the stock response as others above.

    These are the last big negatives on my credit file, I’ve managed to get everything else back on track and under control – given the nature of the response my question is-

    I am I better to hold off and wait for a verdict either way, or try to make a partial settlement to improve my credit file, hoping the complaint’s upheld down the line.

    Defaulted in 2016, so another couple of years before it drops off my account fully so this is something else to consider?

    Lastly, my reasons for doing this are with a view to applying for rent to buy/co-ownership scheme, but any payday loans need to be settled within the last 6-12 months.

    Any input most appreciated!

    • Sara (Debt Camel) says

      If this was pre administration, you would have been unlikely to get all the loans refunded and so be able to settle for £300. Normally the first few are excluded. So your offer may not be seen as a fair compromise.

      If you pay in full now to try to improve your chance of a mortgage you are likely to receive very little (and there is a possibility it will be nothing) back later.

      If you don’t pay the debt may be sold to a debt collector who may take a more pragmatic view of being offered £300 for a debt they may have paid less than £50 for. But they may not. Or the debt may not be sold.

      Lastly I have to say I am not a fan of shared ownership. Some of the problems are set out here: https://hoa.org.uk/advice/guides-for-homeowners/i-am-buying/shared-ownership-what-to-watch-out-for/. It is easy to assume you will be one of the lucky ones it works well for, but the costs/stress if you are not can be large. In addition, in these uncertain times I will say that you can get much more support from the benefits system if something goes badly wrong in your financial lives if you are renting than if you are buying.

      • BigP says

        Thanks for the reply Sara,

        Is there much difference in impact on credit score, between a partial settlement and full settlement? Understand that a full settlement will always bode well, but considering the trade-off between this financially and making a partial settlement in the knowledge the Sunny claim may be upheld or my score will at least improve 12 months on.

        • Sara (Debt Camel) says

          A partial or full settlement does not affect your credit score at all. It may make a few lenders more willing to lend to you, see https://debtcamel.co.uk/dmp-partial-settlement/.

          But most mortgage lenders now want payday loans to have been settled more than 6 months before – many are asking for 2 years. By that point the Sunny loans will have dropped off your credit record anyway.

  13. Katy says

    I have 4 outstanding loans with Sunny that have been partially paid but I can’t afford to pay the remaining balance which totals £800

    Can I still raise an affordability complaint with them?

    • Sara (Debt Camel) says

      So yes you can submit an affordabilty complaint but this may take a VERY long while to get an answer. Like a year. I suggest you do this asap as they may take action sooner eg by selling loans where there is no complaint in to a debt collector.

      But you can’t rely on this helping you out of your general financail problems. If you are struggling now, you also need to ask for a lower affordable repayment. But it can be hard to get a low one one agreed. A better approach may be to set up a debt management plan with StepChange, see https://www.stepchange.org/how-we-help/debt-management-plan.aspx and include the Sunny loan in that and your other cards catalogues and any overdraft. If you later win the affordability complaint it will speed up your DMP.

  14. Rob says

    I went into default with sunny loans 5 years and 9 months ago. What will happen to the default when it reaches 6 years? Does it drop of my credit report or will the administration of the company mean there will be a problem?

        • Sara (Debt Camel) says

          Then it should drop off in November this year. This is done automatically by the credit reporting agency, not by the creditor.

  15. Karen james says

    Hi I’ve paid off my loans with sunny since May and one still appears on my credit file. I contacted sunny and they said they dont have any information on when the files will be updated. Do you know how long this process took with the other companies who went into administration?

      • Marcus says

        I have a closed loan still showing unpaid as it was paid off the day after they went into administration. They told me that they can’t update the credit agencies. Surely they should be able to report closed accounts. I have raised disputes with all 3 bureaus. They are all waiting to hear back from the third party. In the mean time my score has gone down as it looks like I have not paid for months.

          • Marcus says

            They say something about the CRAs not allowing them to update whilst in administration and that they have to agree how they are going to do it with the administrators and that they are in talks about it. I am stuck between a rock and a hard place. I even forwarded an email from Sunny explaining the account was closed – to the CRAs, but, they have to hear it direct from the horses mouth – so to speak. So, just have to wait. If sunny do not respond in an appropriate time, will the CRAs mark it as closed?

  18. Richard says

    Just seen an update on the Sunny website today., that will be of interest if anyone has outstanding loans. They have sold part of the outstanding loan book, and written off some outstanding loans. Emails are being sent out on or around today to let people know if their loan has been sold or not

    • Sara (Debt Camel) says

      Thanks!

      The administrators have assessed the customers with outstanding balances to see whether they have a Claim and – if they have – have reduced or written off that amount. Loans that are being written off will be deleted from credit records.

      See https://sunny.co.uk/faqs

      Information about claims will be published in November: “Further information regarding the process for making claims in the Administration will be published on the Sunny website in November 2020 and we encourage you to monitor the website for this update.”.

      If you think the reduction / write off is insufficient or if you didn’t have an open balance, you can submit a claim then.

      But the administrators are saying If there are enough funds available to pay a distribution to unsecured creditors, then the Joint Administrators will determine a process for agreeing creditor claims and provide an opportunity for claims to be submitted.

      It isn’t clear to me at the moment whether this is just a precautionary note or whether there may be no money to distribute. We will find out in November.

  19. Karen james says

    Update to my previous post. I raised a dispute with Experian and my credit file was updated on Oct 2nd. It took 4 weeks to hear back. So I raised a dispute with the other CRAs today.

    • Mat says

      Have just spoken with Sunny as I had a similar problem with an incorrect report on my credit file. On 6th October they struck a deal with Equifax which means that any errors will now be updated asap. It may take a bit of time to show on CheckMyFile etc. but if you get a report directly from Equifax, I am told the errors should be amended much sooner. Hopefully good news for you

      • Marcus says

        I had a similar experience. However, mine were temporarily suspended from the CRAs as they did not hear back after 28 days. However, today, it re-appeared as not paid (even though it was paid months ago). Phoned them and all looks ok their end. I was asked to email bureauamends@elevatecredit.co.uk with details of the incorrect details for them to manually fix. Here’s hoping it will be sorted soon.

  20. Mat says

    Great news for me I had £580 outstanding but probably had a very good claim and it has been written off.

  22. Hector says

    Sunny has just written off a set of four loans I took out totaling over £2,000. I am very pleased.

  23. Sara (Debt Camel) says

    I HAVE UPDATED THE ARTICLE ABOVE WITH TODAY’S NEWS ABOUT WRITE OFFS AND DEBT SALES

  24. Jordan says

    That’s positive news for people.

    Hopefully the administrators are removing defaults from the written off loans.

    The Ombudsman ruled that the 2 defaults I received from Sunny should be removed but the went into administration before they could remove them.

  26. Hector says

    I posted yesterday about my loans being written off. After calculating how much I would still owe had my affordability complaint been upheld and all interest paid being deducted, it turns out I would still owe over £1,000.

    Note that I was only making small token payments on my balance – had I continued to make these payments until the loans were settled, it would have taken me almost ten years to clear them. But with interest frozen it didn’t bother me one bit.

    I suspect that Perch Capital probably had no interest in purchasing debt that was to be amortized over such a long period, thus the debt was written off. So surely that was also a factor at play.

    Regardless you have to give credit to the administrators in respect to the time it has taken them to reach this point, especially when looking at the Quickquid administration which is dragging on endlessly.

  27. Andy says

    I also received an email yesterday informing me my outstanding balance of £1700 was written off. Very good news and was quite surprised.

  28. Camron says

    I have also received an email saying SUNNY have cleared my balance but it was defaulted, does that mean it will go off my credit file completely? Or does it come up on your credit file as “settled”.

  29. Jane says

    I’m not bothered about getting compensation, I just want around all 40 settled accounts removed from my credit files. I’ll be applying for a mortgage in the next few months.
    Do you think they will do this?

    • Sara (Debt Camel) says

      Possibly. Sorry but at the moment it’s pretty unclear what is going to happen. There should be some announcement in November.

  30. Jordan says

    I got an alert from clear score telling me they are removing 2 accounts from Elevate at the end of this month.

    • Sara (Debt Camel) says

      I suggest you take a copy of your credit records now. Just in case you ever need to make an affordability complaint about some other loan or credit card in future.

      The best one to get is the TransUnion Statutory Credit report. Statutory credit reports are free, easy to download and keep and can contain more detail than the fancier reports everyone tries to get you to get.

      Even better, get a copy of all three CRAs reports – Experian, Equifax and TransUnion. Links to them are in here: https://debtcamel.co.uk/best-way-to-check-credit-score/

  31. Ca says

    I had a complaint with FOS about sunny before it went into administration. I didn’t owe Sunny anything because as soon as I said I was complaining about affordability, they agreed and wrote off the balances but I was fighting for the interest to be reimbursed. I’ve heard nothing whatsoever from anybody and wondered if I should be doing anything? Thank you

  32. emma says

    Hi, I have had many loans with sunny in the past and a few of them were passed on to SLL Capital some time ago. I am currently paying them £1 per month but have just found out Sunny are now in administration and loans being written off or sold etc.. Just a bit confused as to what is happening to mine? Will these stay active as they are with SLL Capital and i will have to carry on paying them off? I was hoping to do an affordability complaint but now i’m worried i cant even do that now.
    Any advice would be appreciated!
    Thanks

    • Sara (Debt Camel) says

      You can send Sunny an affordability complaint now. The administrators will be announcing in November how they are planning to proceed with complaints.

      Can I ask how much you owe SLL? Do you have other defaulted debts? What is your financial situation like?

      • emma says

        Thankyou for the quick reply. I have just sent Sunny an affordability complaint so will hopefully hear back from them..
        I currently owe SLL around £1000 spread over 4 Sunny loans. Theres another debt with satsuma which i have just sent a complaint about and a couple of smaller ones with quick quid and 247 moneybox.
        Theyre all under control now and have payment plans in place but it would be nice to get them all cleared as soon as possible

        • Sara (Debt Camel) says

          ok so Moneybox and QQ are also both in administration, you are only likely to get a small part of any refund back with them as well.

  33. Rachel says

    My credit score has been updated with the debt shown as satisfied, the email stated it would be marked as settled though?

  34. Aidan says

    Hello,

    I received an email from sunny some weeks ago that my debt had been sold off to a debt management agency I then paid what to me seemed a very reasonable £21 to pay off the debt.

    I’m now wondering whether or not the loans o had with sunny should be taken off my credit report or noted as settled, I went into default in 2018 on 2 loans totaling £800, these are 2 of the last 3 things on my credit score I’m looking to set out permanently.

    What will happen with these?

    • Sara (Debt Camel) says

      yes you can. But the administrators have said they will be making an announcement in November which may include a Claims Portal. So you can send a complaint in now or wait for that. There will in the end be very little money to divide, but correcting your credit record may be more important for you?

  36. Vicky S says

    Hello,
    I had 7 sunny loans in last 2 years, all successfully settled within days. Some were as small as £50. Oh I wish now I found the other way to borrow. I was borrowing because it was convenient and I didn’t want to withdraw from my credit card before my payday. Anyway, then all of a sudden Elevate added all those loans to my credit history in July. I want to apply for mortgage but have no chance with that dirt in my history ;( Do you guys know if there is a chance they can remove them all from my credit file? One month I took three and have three different loans for just 1 month.

    • Sara (Debt Camel) says

      Send them a complaint. Have these loans upheld as unaffordable may be the only practical way of getting them removed from your credit record.

      If not, then you may no option but to wait for one or two years until these payday loans are much older before applying for a mortgage

  37. Dan says

    Hi

    I took out a loan with sunny for £500 in February 2014 and shortly after I entered into a debt management plan by which point I was already in arrears. All other creditors issued a default shortly after apart from sunny who instead issued late payment markers until it was written off recently after the administration . It’s now showing as settled on my credit reports however I don’t think that it’s good enough as a default should have been issued in 2014. I’ve tried endlessly to contact sunny and ask them to add a backdated default to 2014 but they are refusing to. I also found out today that I am not being considered as a potential redress claimant by logging into my account in the website . I’m not interested into getting a refund as such I just want the account removed from my credit files as it should be . I’m looking to apply for a mortgage in the next year or so and this will be the only blemish left on my credit file . I’m at a loss now and don’t know what else to do in order to get this removed.

    Regards
    D

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