I made a complaint to Sunny in October 19 about irresponsible lending. In the 8th week they replied advising they rejected my claim as they believed they did not do anything wrong. Over a 3 year period I had taken out 25 loans averaging £150 paying, according to their response, "over 25% but less than 50%" interest. Going by the DSAR they sent me during the complaints process it showed that in interest alone I paid £1965.86 on these loans. Obviously, I was not happy with their response so I submitted my complaint to the Financial Ombudsman Service. The adjudicator reviewed my complaint and assessed that Sunny should repay all interest on loans 6-25. This equates to £1518.81 plus the 8% simple interest. I was happy with this assessment. The adjudicator gave Sunny 7 days to reply to their assessment. It took Sunny nearly 3 weeks to respond and when they did their offer was ridiculous. They disagreed with the adjudicator and said they would refund loans 13-25. Which they calculated as £206.90 plus 8% so a total of £235.83. IF Sunny looked at my loans OR the DSAR that they sent me they would be able to see that on loans 13-25 I actually paid £1002.66 in interest so how they came up with their offer I have no idea! In my adjudicators email she advised that she did not agree with Sunny's assessment. "Please note this offer it not in line with my recommendation." I declined Sunny's offer instructing my adjudicator to bring my complaint to an Ombudsman which could drag on for months more. With the amount and frequency of borrowing it should of been clear to Sunny that I was in a cycle of borrowing that needed to be broken. Not only that but if they had of carried out the appropriate check they would have seen that not only was my credit score very poor but I had also other, larger payday loans at the times I was applying for loans with them. Terrible service, terrible company.