Between October 18th and October the 25th, 2019, Cigno Loans is offering reviewers a chance to win one $200 cash prize. Reviewers that had their review published in this period may have received this incentive. These reviews adhere to ProductReviews Incentivised Customer Reviews Guidelines and may explain a spike in review numbers.
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Cigno is under Class Action Investigation - Warning to anyone considering a loan from Cigno
I wrote a review (a year ago) of my experience with Cigno Loans, the loan sharks operating through legal loopholes which allows them to continue their unethical and predatory behaviour upon the vulnerable.
Cigno's condescending automated reply to my review (and others) implies that its customers are halfwits!
Carers (like myself), pensioners etc and other people living on the poverty line, are constantly struggling financially and it can make us desperate enough to apply for the only loans accessible to us (given our circumstances) just to mak...
This is a scam!!!!!!!!!! I cannot believe this!
I am not happy with this service! I have been trying to contact them for days! Through email, sms, Facebook messenger, Cingo online login and still no replies at all! I am so disappointed! I got an loan, I was supposed to be done after 2 payments direct debit and did actually took both the money out but no apparently I still own one more payment, I seriously cannot afford this!
Trying to finalise my loan
This company is disgusting. They are quick to hound you if you owe them money. However I have paid an amount to close my account. Silly me forgot to put details in reference etc. Can not contact them via the phone and emails are a joke. Finally spoke to a women today and she is trying to tell me that it will take 3 days for them to get notification from my bank. What a load of crap. With osco it would have been in their bank with in 60 seconds. I am really needing this sorted so I can move on financially. If it was direct debit then yes I understand that it can take up to two days. But not three days for a cash deposit from bank to bank. I guess fair trading will be getting a call as I want to know where my money has gone.
Cigno is a big NO!!
They are are scam, worst company ever, will never get a loan through them again.
I borrowed a loan of only $60 but I ended up paying $350!!! That’s because they put the wrong account number I tried to log into my profile and put the correct account number but it would not let me, I tried calling them so that they could rectify the problem but nobody picked up my calls, I tried to email them but I only got back automated responses, I tried to message them on their Facebook Messenger but the same thing I got automated responses.
They kept charging me an overdue fee of $66 every week. Worst customer service ever!
What ever it takes
I was nearly embarrassed for Cigno last week when [name removed] head of the Oz complaints department told me they were not allowed to use a phone because of covid 19. To be that high up in the chain here in Australia and not have a phone to use for company work, not covid 19 just cowardice. Well 50 emails in total so fare 17 days to get the first response from [name removed]. 6 emails to them and 2 days later got a reply from [name removed], about 29 emails with [name removed] on Friday to get no were and now I have info for him to pass on to ...the police there is no reply since last Friday. Can't speak for the Philippians crew what their covid 19 phone call policy is! Well [name removed] I tried for a year to get some government oversight and media attention in the hope of saving a few pore souls from being hammered by you,well looks like it was for nought. Last stand I guess Looks like blood needs to be spilt on your door step to get some people in positions of power to put a stop to you. Don't worry I don't mean yours I mean mine, if that gets you in the spot light I will be there soon.
I don't know what's with all these bad reviews they actually helped me out when I was in need and I just finalised my loan I've had none of that taking money after it was finalised, some people just want to show hate and I'm happy with the service, they give people with bad credit scores loans to help them out when they're struggling
Took out a small loan to get my through a tough spot then lost my job suddenly making me unable to maintain repayments. I reached out over and over FINALLY got an email response agreeing to reduce my amount and stating the next payment was to be taken on the 15/5/20.
Today i got several nasty emails and txts saying i had missed my agreed hardship payments and threatening me with legal action. I replied with copies of their own email with the new payment agreement showing them i had done no wrong .
Was totally ignored and continued to be threa...tened and they then tripled the repayment amount they'd offered me. No amount of evidence i sent them mattered Highly illegal. I have now blocked them from my bank and am seeking assistance from the ombudsman. STAY AWAY 100% SCAM SHARKS
- Verified customer
Been almost a week and I still can’t get through to a F*** human being to find out WHY they are trying to take out money BEFORE my actual payday. THIEVES they take money before the agreed date and charge overdue fees $79 when the payment gets rejected and I cant access the member portal either it’s not working SURPRISE SURPRISE . I borrowed $110 last week and no joke two days later I get an email saying ur account is defaulted you owe us $89. I took out a loan only to find out my repayments were set for 4 days before my pay day.I rang them back right away tried so many times and i have sent countless emails was ignored!
serve there time in maximum security USA + No sunlight ever
they from cigno loans should all be put in the high risk maximum security jail , with the shoe bomber , Al quida , 911 hijackers , that Mexican drug boss el Chapo...well that's just my thoughts after dealing with them ...throw away the keys
Would never get a loan through them again
I chose a "one click payout" with a discount to pay out early. I paid it out and got an email to confirm the loan was finalised. Then then took out another payment after this confirmation and send me a second email to confirm the loan was now finalised. Then AGAIN took out another payment, and I received a third email to confirm the loan was finalised. I have sent several emails and made many attempts to contact them without any response whatsoever. Absolutely disgusting customer service.
worst company ever
worst company to deal with don't get a loan bunch of halfwits $350 loan payed back $1600 happy to give you little and the scam you for more low life's.
Customer service is Disgusting!!
Thats if you are able to contact a person or login to begin with, ive been given automated run around for days, i just want to make full payment then never deal with this company again but they wont let me. Should be an option for no or minus stars.
The reviewer stated that an incentive was offered for this review
Can't log into the member portal? A solution sort of
Hi , if like me you couldn't log into their member portal go to the contact us option and choose an issue you need help with. For me it was getting the balance and their bank details to make a payment. Fill out the details needed and you will get an email soon after with the relevant information.
I'll never deal with these guys again once I have made this payment and you all should do the same.
Borrowed $400, had to pay back $1295. Rip off merchants, do not get a loan from these people, worse than a sewer rat. Should be shut down...Criminals......Taking advantage of vulnerable people who are struggling to get a loan with anyone else.
Worse loan place ever
Cigno was good once but in the last few weeks I have had problems with them I paid out my loan before the Easter holidays and still getting charged sent emails messanger messages and tried to call I keep getting the same message and email it's bull an now I have decided not loan through them anymore as they keep saying when it clears we will send the money back to U it doesn't take 3 weeks and to still get charged it's aload of crap worst place for loans wouldn't tell my friends about this loan place I'm so angry and upset I keep up with all payment yet they seem to just take more then they were suppose to
Criminals, Thieves, Liars. How Are They Still In Business????
OMG we've all been cheated by these liars. I've had a few loans and have made EVERY payment on time. They only gave me a fortnight every time to finalize the full amount owing. I asked for another loan but was turned down - first I was told it was the Covid 19 Virus and all funds had to be cut - then I was told by someone else that they didn't think I could afford a loan as my income had not gone up - WHAT!!! In fact it had almost doubled and they had my bank statement. However Cigno apparently found out I was taking a power company to court a...nd I imagine they didn't want to be associated with me. A good paying customer means nothing to them so now I wouldn't stress or rush or go without food which I often did just to make sure they got paid. Nobody - nobody answers the phone - they ring out but once I got a message saying "you are number 23 in line". No point trying to email you won't get an answer. The interest rate they charge has got to be illegal. I've got a letter and a pile of paperwork ready for the ACCC and I'm not backing down. I have all my "on time" payments so they can't use that against me but I have plenty on them. Cigno run the business like a circus treating customers like clowns. They know they can get away with anything as the customers they get are at their wits end. Now I'm glad I paid on time so I have ammunition on them and also for discriminating against me now. I've really let them have it over this and maybe they thought it best to get rid of me in case I take them on next. Well that's the only thing they've ever got right!!!! Best outcome is a permanent closure of wherever they work. Can't find a street address - maybe they all squeeze into that PO Box!!!!!! I'll be directing the ACCC to this product review so they can see for themselves how sleazy Cigno really is.
Thieves, absolute SCAMMERS who should be prosecuted. Will be reporting to Ombudsman and ACCC!
My son took a $250 loan and paid a total of $476.15 for the privilege. He was charged a “Financial Supply Fee- 2 Repayments” that was $125.50 plus an account keeping fee of $5.95 charged weekly. To change a payment date he was then charged $22. They don’t answer either phone numbers on their website. This is the biggest con I have ever seen. Clearly taking advantage of young people and those in financial distress. Don’t be fooled people you can negotiate with ph and utility companies etc and come to agreements to pay bills off, don’t let these con artists take advantage of you!! I’ll be making a formal complaint with the ACCC and the Ombudsman. BEWARE OF THIS COMPANY.
Happy to send people copy of the contract as proof
Questions & Answers
I Have paid my loan out and yet to get a response when I double paid the 1 time amount I needed to pay back. Pending response and refund for the double payment i made. My loan balance still says I haven't paid when I have in fact paid double the amount I was given to pay back.
If you guys need some ACTIVE workers. I'm free :) by the sounds of it. This company doesn't have active workers to respond to all the emails and texts and calls coming in, daily.
I'm no expert, I have only been watching them everyday for the last year. but I would definitely tell your bank to put a freeze on them accessing your account "by accident" hound them on firstname.lastname@example.org. don't wast your time with the Philippines crew, sign up for the class action https://www.slatergordon.com.au/class-actions/current-class-actions/cigno-pay-day-loans-class-action. Not so much about having active workers as just semi legitimate steeling as this government just wont do anything about there everyday tricks and tactics for getting you to day more then you should have.
How much is the fees for a 1000 dollars loan
Forgot login details and it won't send them via my email
Any chance can send them via mobile
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