Steer clear of Lombard Financial or Skye at all costs. Run, dont look back, just run
Stay clear and avoid Lombard at all costs. Happily paying off the card. missed a payment date due to being in hospital. Then the dozens of calls and texts started coming to me and my partner. Due to my hospital stay, I fell behind about one payment. Lombard didnt care when I called and asked for time to catch up. Now Im subsequently running one payment behind which means that Lombard now ring me and my partner once a day each at least and then text up to 6 times a week. Despite advising them that they are breaching Australian Consumer Credit La...w they said they dont care and are continuing the harassment. Also asked them to make contact by email as my work prohibits employees using their personal phones at work. But the calls still come. Under Australian Consumer law it states that if a client requests a particular form of contact they need to honor that. To this very day they do not respond to our emails. My wife has now developed extreme anxiety due to Lombard and suffers panic attacks when they persistently call. Informing Lombard of this fell on deaf ears. We have today made a complaint to the ACCC about Lombard and are looking at bringing legal action for their repeated breaches of contact. If they showed a little sympathy and let us catch us over a few repayments all this could have been avoided. In my 45 years of adulthood I have never come across a company that have bullied and harassed individuals so much.
Slow service, account balance takes 5 days to be accurate. Difficult access to account balance through online access. Card has closed down to skye, and was emailed a chance to move to skye, but missed the email, so credit card cant be used.
dont get caught up in the hyperbole
I got caught in the hyperbole of fee free etc.. its costs to pay back every time you pay there is a new charge.
the last thing you buy is the first thing to pay off.. if you had 180 days to pay off $2000 and then continue to spend and pay back part payments you will eventually be paying 25%+ (every payment incurs fees) be warned!
Not happy at all Jan
As part of the PDS I was given for my contract it states I must be given notice that my account would be unavailable and I did not receive this so I call to find out what was going on when I couldn’t access my funds and I was told over the phone. I then requested the letter that I never received and I still haven’t been given anything! I would have gotten my finances in order and sorted my card out a bit with notice but I had none and still am being ignored when asking for correspondence! And I am still going to be charged full interest after n...ot receiving any warning. Not happy at all and it goes against the PDS I was given so I would like to know where I stand. Or is it still just, too bad too sad, like I was pretty much told over the phone?
Closed my account without notification
My Lombard credit card has been closed with out sending any prior notification or warnings. I cannot access my account to down load my transaction details for tax purposes. I don't even know how much I owe and how much interest i am paying now. They simply closed this card account and started new credit card and I am not qualified to get the new card!!. Certainly, i am taking this to Financial Ombudsman. We need to start Class action against this.
No warning they shutting down nor offer for alternative
Out of the blue I received an email to say the brand was shutting down and no longer able to use the card but keep paying it off - I have emailed several times hoping to request a mutual early payout than keep paying off a card that I can’t even use and no offer of an alternative card which other reviews seem to be stating also
Why should I keep paying for something i can no longer use as another review states below ? And I don’t want to apply for another card that from another review you can’t anyway as the account is closed
Which, if our ac...
Lombards 180 Credit Card Discontinued without warning
As has been recently posted by others I'm also another loyal customer who has been done wrong by this Company, Lombard's. My card without warning was deactivated on the 1st of July 2019 as Lombard's saw it fit to move away from Visa and jump to Mastercard under a new name of Skye with less interest free period and a establishment fee for longer term interest free periods based on % of purchase price. I'm shocked Lombard's would treat its customers this way. I did not receive any notifications via email, mail or phone. When I rang the hotline I ...was advised a email was sent out. When I asked to have that email sent again I was told it was too late and they didn't have it. I asked the phone rep to send a letter to confirm what they were saying to me. I was again told this was not possible. How does a company operate like this? I feel this is a breach of consumer law and they may have to answer to the financial ombudsman.
Just disappointing and frustrating
This morning i received a text stating i had repayments overdue and that i needed to make a payment immediately. I am particular with my finances, never overdue and I believed this to be incorrect based on my most recent statements and my bank records of payment. I called the customer service billing line and was told it was a mistake and not to worry about it. An hour later i received an email from a company i had used the lombard credit card with to say that my credit card had been declined 3 times. What is going on? I can no longer log in e...ither. This is ridiculous. Have spent over 2 hours waiting on the phone with them today. Based on all the comments here lombard is running a grave risk of losing their customer base. Rather than suggesting customers "try emailing or ringing again", how about lombard actually call them back!
Lombard now Skye
Recieve email Lombard is changing to skye. Try time & time again stupid link doesn’t work. I try to call them oh gee wait is 120 minutes. In that time I drove to shops did my groceries drove home all this time on hold loud speaker. I gave up in end my battery went flat. Call late yesterday after 1 hr a finally get talk to person. Who tells me the account has been closed. U cannot use card u can still pay it though of course. I tell all him just fix it, I will send u email. I’m still waiting for email. I work in retail I’m supposed to promote th...is skye card, I’m not now. Fix this mess. By the way ppl if u wanting to get another card do balance transfer 0% forget it u can’t cause Lombard has closed the account. Your account must be active to do this. Thanks for worst credit card and company in my life. I’m reporting to ACCC. I’m sure you know who they r.
cant give a zero
i was also charged an annual card fee after i closed my account. i closed account before the new year ticked over. cant get a response from phone calls have sat on hold for over 3 hours, then put on hold when have spoken to someone, then cut off. they dont even have the decentcy to call you back. place is a joke. how can they even charge you a annual fee when the place shuts down in 5 days.
5 emails later - still no response.
Have been emailing all week to get more information about their re-brand. No one answers emails, and seeing a their call centre is only open 9-5 monday-Friday with 30+ min wait time, there is no way to get in contact with these people. Just awful.
June 20th 2019 Update: Zero customer service
Receieve notice that my credit card was ending (rebranding to a new name). As i don't wish to take on the new card, I have emailed asking if I will still be able to access my account (to see repayments etc) and will they still send me a monthly statement of my debt levels. No response. This company is a joke.
Poor customer service, but decent rates
If I’m being totally honest, the customer service here is possibly the worst I’ve ever experienced in my life. I waited 1 hour + to be only “passed on” to someone else and then hung up on. I received no documentation when I canceled my card and I was confused with their responses to my questions regarding assistance. Would not recommend for customer service, however, if they rectify their mistakes in this area of the business, they may be able to achieve a good market base due to decent rates.
would have been good service, until i was forced to transfer to skye
Worst customer service now that i have supposedly transferred to skye, only to be locked out of my online account. have waited a week and still the it department has not got back to them.... does the IT department even exist? I cant access my account, their system closed my account from the transfer because lombard did not finalise my account properly. i am still waiting for a resolution. If it does not get resolved, i will not pay until it does as i cannot see what my so called purchases are..... seems like ive been scammed... if i get any extra charges, they can expect a visit from acfa. This is a breach of their contract and as stated in the email that they would give me a final statement and i have never recieved one from lombard.
Poorest customer service and worst financial company
Worst customer service I have ever encountered. Hold times of minimum 30 minutes, tonight was 55+ followed by a 20 minute conversation. I never get a straight answer or consistent answer to questions. Called on Friday (with a combined 90 minutes of hold time over 3 attempts to get through) to query something regarding the transition from
Lombard to Skye, which the officer couldn’t answer, the supervisor couldn’t answer and 3 days after being promised someone would get back to me it took nearly an hour for me to get through to somebody so that I...
Does not pick up the phone after two hours. Forced to switch to Skye, closed off account access. No final statement.
No information regarding change, cancelled account access and didnt explain. No final documentation, no statement and no account access. Worst customer service, waited two hours and still did not answer.
AVOID THIS COMPANY AT ALL COSTS
One of the worst decisions I have ever made was to use Flight Centre's 9 months interest free scheme as it lead to me deal with this horrible excuse of a company.
On the Tuesday 7th May at approximately 9:05am (7 days before due date) I called Lombard call centre. I requested for the direct debit amount to be changed to the minimum $146 opposed to the $200 I was getting direct debited. This was all finalised and I was assured that only the minimum amount would be deducted come the due date. Now, I was nervous about this as I have previously c...hanged the amount in the past and Lombard staff failed to amend the amount which meant minus funds in my bank account and payment dishonor fees. Well you can imagine my shock to find that not only did my request of the minimum $146 not get come out of my account as promised, not only did the previously agreed amount of $200 not come out BUT $292 CAME OUT!! A completely made up and unauthorised figure!! I am INFURIATED. Due to the incapabilities of LOMBARD staff I am not only in minus on my personal bank account but I have now been left me with no money just before I leave for my trip tonight. I have had this loan with Lombard for just over a year now. I have never activated the card, and never missed a payment. I was going to use the card in case of emergencies but I will be closing this account next month and hope to never deal with these people again. Pray for me, because if these reviews are anything to go by, my request to close the account won't be followed through for months.
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.
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.
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Questions & Answers
Why are you unable to change a PIN number for the card in 2019 without reissuing a whole new card and pin. With all my other accounts I can easily change or setup a pin online!
I have just purchased a product from one of your accredited retailers.
I used an existing card which we have retained from a past purchase...I just used the card to pay. Do I get a six month interest free? The purchase was over $2,000??
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Hay just wondering can you use lonbard at harvey norman or super amart?
Check their website. Be careful though. My experience is Lombard Finance do not honour their offers.
You can use the card but make sure to check there offers or speak to customer service and record the conversation, as they will do everything not to honour it.
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