The only payday lender that seems to think they are above the law. No financial checks made when borrowing, several loans offered at once. High rates of interest added on (paying back double what you owe) and when challenged, they just send back a generic email stating that the loans were affordable and therefore they won't uphold your complaint. PLEASE DO NOT USE THIS COMPANY. My case is now with the FOS, as are several others. Please, if you have borrowed continuously from this company, make sure you start a complaint to get your money back. Frequent borrowing (ie monthly) without regular affordability checks is wrong, and most payday lenders are now going under because of this. Sunny may not uphold your complaint, but the FOS are upholding a lot. Don't be deterred by their template email responses. They are no better than a loan shark.