great company, not trying to charge you interest all the time
Everytime on the phone lombard would resolve any request, they were upfront and honest.
The best thing about Lombard that not many other credit cards have is that when you make a payment it actually pays the credit used which is soonest to have its interest free period to expire.
I think over the life of the card I paid maybe $3 interest, that was mainly because of the $99 fee that I did not pay right away, so that accrued a little bit of interest.
I wish lombard could sign up with qantas I would never leave again.
Lombard has and is still giving me so much trouble, I am struggling so much because of Lombard. I will never tell someone to use Lombard, they have such a high interest rate they is impossible to pay and keeps you in debt. I am now using a debt management company because of they Lombard and I am still struggling to pay.
Never use this company! tell everyone
Never ever use this company they make arrangements with you and never take notes. They lie to you and set you up for negative outcomes. They are going to stuff up everyone’s credit rating with their inability to document what conventions are had and arrangements made.
Fraud at its best
Have had multiple fraudulent payments come out of my card which I dont use. They sent me a new card and pin which have not been activated, I then look at statement to find another 2 transactions that are credit fraud. How can this be if I have a new card and pin. Which are not activated. Also I looked up what came out they are purchases made in the UK. I am disgusted as to why it takes 6 weeks to find out if its fraude or not. Also I had 4 dodgy transactions u guys are looking at plus a new 1 I have just noticed. I can't believe how big the scam is u are running. I will be notifying ACCC and the ombudsmen to see what can be done as I'm getting fed up with responses and I would like to talk to someone in the Sydney office not a philipino call centre.
On payment of $410 per month, the Interest paid is $155.69. It is ridiculous. I am paying double the payment per month but the interest rate Lombard apply is making sure you stay in debt with them.
Nice idea, Poor Service
I received the Lombard 180 when I paid for a holiday through Flight Centre. I only use it for zero percent purchases. Annoying that they charge $2.50 for every payment you make. I recently wanted to use it for hospital excess but had forgotten the pin. When I rang to find out how to change PIN number, they informed me I would need a whole new card as pin could not be reset. Ok, then I got a niggling feeling they were leaving out something, so I asked them if there was a charge for replacement. Of course, $20. What bank charges for a replacement card at that amount? What a rip off. Needless to say I never bothered, will pay out the card and cancel it to get something better. The online login keeps failing as well and has denied me access even though everything is correct. Useless system. It seems great at the start but now I can’t wait to get rid of it.
Worst Finance experience ever! "closed' the account twice only to be contacted at later dates with' overdue accounts' with massive late fees AND dishonour fee added to account. when calling to make payment they made it incredibly hard to finalise and close payment, would only take bank details to take my money, would only let me pay it by other means if i payed an extra fee.
Not a joke. The truth.
My wife rang to pay out the final balance 3 months ago. Was told 3 different amounts. Finally paid the agreed amount of approx $9, only to get a message 3 months later that we owe $6. She rings to find out the account was not closed as requested. They had made a mistake but still wanted the money. They will refund the amount we paid and then will contact her to repay the final amount as it was processed incorrectly.
WORST COMPANY EVER!!
The company blocked my card and told me it will take 3 months to turn it on! with a positive balance on it.
Absolute shame! Dont ever go through this company.
Rude customer service !!
I raised a compliant on poor customer service a week ago yet no one contacted me. If I am not valued as a customer, I might as well take my business elsewherr
Nearly 6 months waiting for my balance transfer to be fixed!!!
Multiple phone calls and complaints with many at Lombard to fix a $9000 interest free balance transfer which I have never received. I have made many many phone calls, emailed customer complaints. No reply. I have been paying the minimum repayment this whole time including the $9000 on the Lombard accound plus also paying for the card it has meant to have gone to. Every time I ring I get the usual “we will get back to you in 48-72 hours we promise” from the faceless overseas call centre who can only read off prompts. Absolutely the worst banking/finance company I have ever delt with. Extremely poor customer service and just dont give a damn. Yet they are on the phone to you if you are a day late with a payment. Steer WELL clear of these scammers!
Terrible company terrible product, they relentlessly hassle you and have very poor customer service.
Don’t get a credit card from these jokers
Sick of the glitches
Worst company ever. 5 times now we have had to deal with system glitches. Every time we tried to use the card and we are told insufficient funds. It happened at a service station with no other way to pay. They keep saying we are sorry, but it keeps happen. Its very embarrassing. All they ever want to do is escalate it. Then more false promises. Trust me when i say its not worth to frustration using them. They even stuff up the payments we make. Completely over them now.
Tries to take money from after final payout
We started to receive statements from them after we had made a final payment. They tried to impose an annual fee 5 days after we had made our final payment.
The customer service that they provide is terrible would put me on to the manager even admitted that they had made the mistake but still wanted the money
White Collar Theft
They rang on Xmas Eve demanding payment for a late fee on the annual card fee plus interest.
They only made personal contact after the fact they have charged you all the fees and fines,demanding payment there and then.Very aggressive behaviour.
The annual card fee should not automatically role over without your consent every year.
I shall be making a written compliant to the ACCC in regard to this type of money scalping by all of the financial institutions
Nothing but Scammers
Useless, get new customer service
I have never had issues with Lombard finance for the few years that I have been with them.
I was introduced to them by a Student Flights consultant, and had no idea it came with a card. When it did, I used it for emergency cash or when I had something expensive to pay for and preferred to pay it off slowly.
In the beginning, there were a few issues that I had when it came to paying. Not due to insufficient funds but the direct debit was on my off pay week every fortnight and after I got a call once or twice about late payment I asked them to change the pay week so that there's no issues and I was even approved from 2k to 8k in credit.
Recently I've had a medical blunder that I've had to pay for and my super was just under by 2.5k. I used some of my Lombard card for payment but still needed an extra 2.5k so I called to ask them to up my limit by this much.
I was told that my account was in arrears by a few days due to a missed payment, I had forgotten that I changed bank accounts. I paid for this immediately and even changed my payment frequency to $250 a WEEK so I can pay off these extra expenses fast.
Next day I called when I noticed the funds have cleared and asked if I can up my limit. I was immediately told no, well this is after the lady on the line told me that "its your fault the line is cracking cos I can hear you perfect, just hang up and call again". I wasn't really given a reason why other than the fact my account had a missed payment.
I asked to speak to a manager, who was extremely rude and disingenuous. I explained my situation and that I wasn't asking for a 10k limit increase, just 2.5k. I was told that my account history was poor. I asked what that meant. She said in the last 6 months you've had a late payment... which was the one above. I was disgusted that out of the 3 years I've been paying this card upon usage... that one payment caused me to be "at risk of not paying"... I paid?? I was 3 days late??
Poor if you ask me. I'll pay the rest off and cancel it.
Absolute Joke - stay away!
Worst experience ever! somehow my account was hacked even though the card had never been used and was locked in a filing cabinet. I logged into my account to get a payout figure and shut the account only to find over $2500 worth of fraudulent transactions made in 3 different States over a couple of days. I raised this with Lombard immediately only to be told it would take 6 weeks to investigate. I pay out what I owe anyway and then they start chasing me for repayments on the fraudulent amount! after 6 weeks I chase up the fraud team and they advise the investigation is finished( thanks for letting me know) and the fraudulent amount will take up to 20 days to be reimbursed. Today I get a text that my payment is overdue.... so I call and say that i am not paying it seeing the fraud was confirmed and I am just waiting for the transactions to be reversed but the customer service team have not been updated by the fraud team on the status of the investigation so they still want me to pay! I forward the email from the fraud team to the customer service team but they still need to make their own enquiries and get back to me.... cant give me a time frame..... cant freeze the account..... cant provide customer service...... TOTAL SCAM STAY AWAY
Could be better
I hate the fee they charge you when making a repayment by BPay. Other places charge you only $59 as annual fee, they charge you $99. They charge you for a paper copy of statements. Is there anything they don't charge you for?
Worst service ever, systems archaic, accuse you being in arrears when you not
Have no clue of what customer service is. Think their systems are good, have no clue. Accusations of being in arrears when met more than terms and conditions of agreement. They phoned me about 15 times in 2 days. I answer and they hang up.
Fraud and Security Breach
Flexigroup and Lombards are not to be trusted. Clearly they have had a security breach and people's credit card information is being stolen and used fraudulently.
Received a Lombards card in the mail. Never used it, it never left my house.
Fraud team called me saying there was an $8400 fraudulent transaction on the card and they will begin processing the claim ETA 4-6 weeks. This was back in September 2018, it's now December 2018 and this is still not resolved. Countless phone calls, every time diverted to a different team that can't actually help. Horrible communication. No one knows what they are doing or can give you a straight answer. I was locked out of my online account so I can't even see my statements and they are still chasing me every 2 days to pay the fraudulent amount on the card.
AVOID at all costs.
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