Humm was previously trading as Certegy Ezi-Pay and Oxipay
No fees and Zero Interest if you choose 5 fortnightly instalments to pay for 'Little Things' up to $2,000
Zero Interest & 6 - 60 months time period to repay 'Big Things' up to $30,000
$8 Monthly Fee if you choose 10 fortnightly instalments to pay for 'Little Things'
$8 Monthly Fee & $35-90 Establishment Fee for 'Big Things'
$6 Late Payment Fee
Worst service ever
Myer stuffed up a transaction with Humm. Humm didn't return our $1050 deposit for four days. Then when they returned it and we tried to put the transaction through again, Humm wouldn't allow us the credit again. I asked the Humm rep why and he said taht it was because I had a cancellation against my record!!! Like what!!! That was Myer's fault!!! What a stuff up. Going to DJs and using a repayment plan instead. Also what's the point of advertising NO INTEREST on all your brochures when you charge such exorbitant monthly fees. Ridiculous!!!
App is useless & purchasing instore nowhere near as simple as Afterpay!
App doesnt allow payments. Cannot even check payments made on current purchases. Last payments that showed up were from April when they were still Oxipay. I did make a payment late, however, paid it soon after through BPay. App still said my account was on hold even after paying whole amount off. I have a $0 balance and still have $0 available to purchase! I have deleted the app, can't be bothered spending hours on the phone trying to sort it out when there are numerous other platforms out there that are way more user friendly.
Uh no, this is broken from the start
Can't access Bankwest, even though they have a link to them. Solution? Contact bank. Please close account & remove card number? No. Contact bank. Otherwise a $100 limit. Stay with Afterpay.
- Verified customer
Simple signup process with all verifications able to be completed on the phone app. Growing list of retailers and no interest ever plus the larger limits make it a product you will use over and over again. Highly recommended!
I was a Certergy VIP customer for many years Humm is even better
I have found Humm so useful.
I also feel that we will be living in a cash free world soon.
I recently shopped at MYER and the staff were excellent in all aspects of my shopping experience.
Nonsensical reasoning and rules
Closed my account after completing full payment. Seller didn't have item so I asked for a refund which was processed by seller immediately. A week passes and I hear nothing from Humm so I contact them.
Apparently they are confused as to why the account closed so they are sending it through the 'risk department' and then will process my refund between 7 - 10 days. Can't tell me how long the risk department will take, by the way.
I explain why the accounts closed: I closed it. I have emails and phone records of doing so. No risk department nee...ded thanks. I ask why this protocol exists and if they use it for everyone asking for a refund. The customer service officer is incredibly rude and gives me the 'that's just how we do it' run around. Won't tell me what the normal protocol is. Customers don't want to be told that they can't know the reason why they won't have their money back promptly. We want idiots. We like to be told why things are happenings. Lousy and impatient customer service with no real help or information. Not sympathetic at all. Could do with customer service training.
Excellent shopping with just a smart phone.
5 of 5 stars
I love that you can shop online as well as in the shopping , the app is easy to negotiate through, the only negative thing is if you have funds in ypur account to spend you should just get the bar code and take the goods home is done
Never used however issues with identity checking
I have never been a customer of Humm however I have recently received 2 separate letters demanding payment for goods purchased under my name. I spent 30 minutes waiting to speak with a Humm representative who informed me that I needed to get a Stat Dec from the police stating that I did not authorise the purchase of goods via Humm. They also indicated to me that this becoming a common problem with Humm. Since that phone call I have received further letters demanding payment whilst I arrange for a Stat Dec.
When I asked how someone would be abl...e to setup a Humm account in my name I was told that it was simply a Name, Address and Drivers License that was needed online. There is no verification that the person setting up the account is in fact the person on the Drivers License. I am now trying to clear any charges against my name from this organisation by submitting a Stat Dec stating that I did not authorise the purchase of goods in my name. There is obviously an issue with the registration of new customers and the identity checks that are being performed as it would appear all you need is the Name, Address and Drivers License details of a person to purchase goods. I suggest Humm include addition identity checks to ensure that the person setting up an account is in fact who they are claiming to be.
Puzzled by their business model
Now to be fair, I am not a customer of Humm, I wasn't given a chance to be one and that might just be a good thing reading other reviews. I applied to become a customer to purchase one item for my son. I have been working for 30 years,have a clean credit record, and earn a good steady salary, but I cannot get credit?
Funny how other companies including Afterpay have me at their top limit but here I am unworthy. I use these services because for me as a consumer, I can keep my money in the bank and pay when accounts are due.
I purchased the item outright having been declined by this business.
Just saying buyer beware, because it is an odd way to do business from what I can see.
Beware! Very open to identity fraud and privacy violations
Have never used this service (and never will) but received a letter of demand saying I owed $200+ for something that was bought fraudulently on credit in my name. Then they made me jump through hoops to prove it wasn't me via online fraud reports, stat decs and proving my identity.
How about you check the identity of people thoroughly BEFORE you let them set up account?
Terrible business model that makes it much easier for online criminals to rack up credit in other people's names.
- Verified customer
I've had 3 transactions with humm so far my first one was on the 03/07/2019 for nearly $1200.00 the second one was on the 31/07/2019 for nearly $220 the first only has a few payments left the 2nd was paid off before time and the 3rd was on 28/08/2019 for nearly $1400.00 I've not had any issues with their customer service representative I've only had to contact them twice by phone and I was only on hold for a minute or two before I was speaking to a Australian customer service representative and both times they assisted me with me enquires and w...e're very professional, my only gripe would be that because I manually make my payments on or before the due date that the system possibly does recognize the consistency of my payments. Apparently due to the system is setup as a direct debit system and I did say so because I'm making manual payments usually before time it's not recognized? And she said yes possibly but she could forward my enquiry on to the accounts department for review. Humm needs to update the system so that the system detects manual and direct debit payments alike or put things in place for people that make manual payments before time, otherwise I couldn't be happier with my service to date and while I continue to receive the service I have in the past then I'll continue using humm for my purchases that I'd prefer to pay over time. Application process was streamlined received a determination in minutes and was up and shopping all and all been a great experience I must admit considering the service I've received I was very surprised to read all the negative reviews towards this company.
Took money from me and haven't paid the shop..the shop is harrassing me now
They took money from my account for a repair job from mobile mechanic but haven't paid the mechanic.his lawyer is now onto me but humm's support representative doesn't care about it. always says they can do nothing finance department is not responding.they are bloody taking installments from me fortnightly.Will never use them again in life. Going to complain to ACCC and never recommend them to anyone.afterpay is much better.
Never ever ever again
Started out with Certegy then I'm guessing it merged with Humm.
Customer service is non existant, representatives refused to send details in an email as to not have a paper trail.
A direct debit failed so they Charged late fees multiple times even though we paid it via bpay. Not interested in resolving the issue, didn't want to know about it.
Totally rude and uninterested in customer service.
Never will I ever use them again. Absolutely disgusting service.
I do not recommend humm at all, they will take your money, cancel your order with no notice at all.. Apparently refund takes upto 10 business days and when you ask for information their customer service have their heads so far up there back to give a crap.
Use zip or afterpay stay away from these scammers
Cannot stand their "Customer Service"
On multiple occasions i have had to contact Humm about taking out unauthorized payments, (double charging and what not) had to deal with customer service agents who are completely uninterested in being there, or helping for that matter. They cannot seem to resolve the most simplest issues like taking twice the amount they are supposed to and just simply refunding it and stopping it from happening in the future. Honestly, just go use ZipPay or Afterpay instead, at least they seem to know what theyre doing.
If only i could give 0 Stars.
Avoid Hummm, poor on every account and extremely difficult to get refunds from
I have used Zip and Afterpay and was on a website that only provided the Humm option for partial repayment so I created an account for the purchase. I was approved and purchased item online, unfortunately Item sent from retailer was wrong item and I so got a return approved. Humm still kept taking money from my account for months despite this and when I rang them to sort out, they only partially refunded me and insisted the retailer had to provide the rest as it was them who debited that money. Checked with bank and it was definitely humm who t...ook the money and I had to chase them up for weeks to get my full refund. Was very difficult to sort out via their website which is poorly designed and everyone I spoke to at humm passed me from one person to another. They are a terrible company and definately are to be avoided at all cost.
More hassle than its worth!
My partner and I decided it was time for a new ducted air con system for our house. We had received two quotes and had made our choice. The suppling company offered Humm as a payment option as we thought we would pay for half and finance half. The total cost was $9,000. I'm pretty old school when it comes to finance and have never used this type of service before but thought I'd give Humm a go. I applied online but when it asked for my online bank account password & registration number alarm bells went off. I called Humm for an explanantion and...they told me that's how they do pre approvals and its normal? I told them no one gets my bank account password and registration number, I'd be breaching my contaract with the bank etc etc.. I asked if I can e mail my bank statements through (they want to see your income flows... No was the response.) Conversation went nowhere so I called my bank ANZ to make sure I wasn't completely out of touch with modern finance solutions and their answer was "do so at your own risk - don't give out your password". I didn't bother with the approval....too hard. Also during the application Humm wants your employers phone number which I entered but it wouldn't accept the number saying it was not a valid number? Turns out the system doesn't accept mobile ph numbers. Enough said I was over Humm before I could even get going. I'll either save the money or just use my credit card because its just easier. At least with the bank you know what your in for.
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Questions & Answers
Hi can you borrow money like $2500 cash?
humm Support TeamHumm
Thanks for getting in touch!
Unfortunately humm does not offer cash loans, it is a finance company and can be utlilised to make purchases with a wide range of retailers and merchants.
For a full list of stores that off humm please see our website -https://www.shophumm.com.au/
If you have any further questions please do not hesitate to get in touch by emailing your contact details to email@example.com or call our team on 1800 088 151.
The humm Support Team
What's the percentage for the big things initial deposit? Say I was to purchase $6000 in one transaction how much would the deposit be?
humm Support TeamHumm
Thanks for getting in touch!
The deposit and establishment fee (between $35 and $90) for your big things contract is dependent on the humm merchant that you wish to make the purchase from.
For more information on how our products work please see our website - https://www.shophumm.com.au/how-it-works
If you require any further assistance please do not hesitate to send your contact details to firstname.lastname@example.org or call our team on 1800 088 151 and one of our friendly representatives will happily assist you.
The humm Support Team
I only get Centrelink and my partner works full time, the bank account is in my name will we get approved?!
humm Support TeamHumm
Thank you for your query.
It is apart of humm's terms and conditions that the account holder uses their own banking details.
Any third party details will flag and it is likely that your purchase would be cancelled.
For a full list of our terms and conditions please visit our website: https://www.shophumm.com.au/terms-and-conditions.
If you have any further questions please email your details to email@example.com or call our team on 1800 088 151.
The humm Support Team
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