Disgusting waste of time and effort
I would not even give one star for this bunch of shonky sheisters. I was made to feel that they wanted my soul. So glad to be done with them.
Absolutely the worst experience ever. GO SOMEWHERE ELSE!!!
Locked out of account and could not reset password. I guess the bank never attached my phone number to the account. No 24/7 online tech-support so i can't pay rent
Applied for a personal loan and was conditionally approved. Provided all documents told all is looking good after waiting a total of 6 business days, i was declined... bunch of crap
Lost my deposit on the car and all as they took too long. Very annoyed and upset in the process. Iv been a member for 4 years now and will be shutting down all accounts with this credit union.
Cannot be trusted
Needed money transferred to Lifestyle to move into their retirement village
They got the account wrong
Notified them when the money did not appear , could not care less
Got onto their phone in access and a lass by the name of "[name removed]" took the details and seemed to take it between her teeth
Recommended to take it to the Banking ombudsman which I did
That afternoon received a call from the Modbury Manager "The money had been found and would contact me when it arrived an I could pick up a cheque for the amount after her next contact"
Find another bank
I am a disabled pensioner, I tried to help the bank by telling them about a site, after opening a visa dispute, only to be told I am going to be charged $30. I really am getting fed up with the way this world works. Read all fine print, all banks are the same. You also might want to look into
"Bail in law".
What a disgusting law. If people only knew
They say one thing and change completely what they said. Just wasting time on over and over I don't know why. It is just draining. I hope processes need to be improved
These people are next level dodgy. I applied for a personal loan and they told me I’m accepted, then they told me I’m not and that they couldn’t ‘tell me why’. I’m sorry but that’s insane. What kind of a company cannot provide an explanation, let alone explain their policy? Avoid at all costs.
Great car loan experience (twice)
I've had two car loans with PCCU. There loan application processes is very strict but that is for good reason. We paid both loans off 3 years early with no balloon payments or any other 'gotchya' fees. The staff are always friendly and I like that they have their call center in a regional city instead of Melbourne or Sydney.
I'm a finance broker and my experience using People's Choice was extremely painful. They asked for a lot more documents they other personal loan companies and undertook a credit search on me prior to me giving them permission. To top matters off they could give clear answers to direct questions asked. I would avoid at all costs.
Useless for land and home loans
Been with them for 3 or so years. Wanting a land loan and they said we can't because apparently they can't guarantee we are going to build a house on our land even though we have signed a building contract and paid the deposit!! Ridiculous.
Got final approval, signed all documents and then they turned around to say they can't approve the loan any more, what a joke
They approve the car loan through phone, had reserve the car. after sending the documents and Assess, the loan was declined. Keep away from here! Very heart breaking. Dont trust it.
Smooth, simple, stress free. excellent customer service
compared to other financial firms it is refreshing to be treated normally. taken through the process step by step. No problems, confusion, obstacles, red tape other than obvious necessary procedure.
So pleasing. Yes we complain about bad service, but here they deserve a good word as they do what one would call COMMON SENSE. So lacking in many dumb organisations, I have seen more sens in a bunch of grapes. No names of course as you do that in their reviews. So please buyer beware, I am so careful these days with the clowns at the Cirque. So yes a BIG thank you for doing your job well young lady and the training from management they had as it is always down to them to get it right.
Amazing service from Loan Delivery Officer
A very new customer with People’s choice and will highly recommend for anyone wanting a car loan!!
Straight away I was given great feedback, communication everyday and a massive Thankyou to Hina who I dealt with through the whole process. She was very understanding and helped me through everything even emails!!!
I couldn’t say Thankyou enough and very happy with this bank!
A Very Very Very Bad Experience And A Waste Of Time
I made a person loan application at their Christie's beach branch, I was told the processing timeframe is 24-48 hours, shockingly it took one week, no communication nor any update. I had to take it upon myself calling everytime and sending emails to be told my application was not approved.
They offer a very enticing carrot (rates) and hit you with an even bigger stick.
I have found the services of People's Choice Credit Union (PCCU) very disappointing as a customer of ~10 years. when I began they were called Australian Central saving and Loans.
I joined as a young adult fresh into the workforce and after better customer care, rates and service than the Big 4 would offer. I have found that the branch staff struggle with anything other than cash in/ out transactions. Loan, credit and mortgage applications are unexpectedly tedious and prone to 'mistakes' or incorrect information. The phone support is better tha...n the branch in knowledge and ability to resolve problems. This combination of disadvantages leads to heavy handed use of the carrot and stick in branch. My experience has led me to hold accounts in name only with a nominal cash deposit for the last 18-24 months. I preferred to move everything to an orange coloured service without physical branches, better rates and customer services (who knew a call centre could be better than in person). This is because PCCU offers rates marginally better than the Big 4, the customer service is on par but with far less accountability and the transparency is non-existent. To give an example. I was travelling overseas several years ago. I did not want to setup a short term credit or travel card (too expensive/ difficult/ contract too long for my needs) for a single trip and so confirmed in branch that I could take my regular visa debit card. This was confirmed as an acceptable practice but I would pay higher transaction fees. About 2 weeks into the trip I found that it had been disabled. After calling the international number I was tersely told that I should not have taken the card overseas. I explained why I did so and was told that it was not correct and I should have had a travel card issued. After some argument the card was re-enabled and I could complete my 4 week holiday. This adds to my other experiences at PCCU. I have found that they will offer or promise very good rates initially. These will be either be changed in branch or end much sooner than it should. This has been true of both beneficial online saver rates and negative effect loan rates. As an example I was enticed by a roughly 3% online saver rate that was so poorly explained that I only found out I would not get it after several months of confused phone calls and branch visits. This is how the carrot and stick works as they offer great rates and than try to pull the benefits out from you with arguments of taking or leaving the offer.
- Verified customer
Avoid at all cost!! They don't care about their customers!!!
I applied for a home loan around Feb with [name removed], got assessed and was assured I will get the loan amount for the cost of the land and building. Submitted all requirements no issues whatsoever. Land title will be around middle of July. I contacted her again around May and she was not replying anymore. Called their office and she cannot be contacted. It took me 3 consecutive follow ups for them to transfer my application to another banker. [name removed] was the banker who took over. Submitted all requirements again end of May no issues....[name removed] was telling me it will get approved after valuation. Valuation came and still no approval. I keep following up because it was June already and title will be in a few weeks. I was told valuation have changed and now waiting for that to come back before getting approved. Land is now titled and when I followed up, then he revealed they found a clause in the land contract which they don't like! The contract was submitted a few months ago! They told me they have an issue 2 weeks before settlement! This guy didn't even care at all! Never did he told me I should be looking for another bank because it might not get approved! Nothing! Good thing I applied with a major bank where my savings are and got approved in a week! [name removed] was happily in his vacation while I was out of my mind that I might not get settled and worst case is get a penalty and recission notice from the land vendor! They don't care at all!!!
UNBELIEVABLE SERVICE. DO NOT GO WITH THEM
Offering a personal loan with no monthly fees and variable with a secured loan. Got pre-approved and later on got declined saying i was outside of their lending criteria. I have no car loan, no personal loan, great credit rating. I have not had an enquiry in 2 years until now. They couldn't tell me why.. poor service.
Bad customer service
I saw Irene from the Caroline Springs branch. She said I got approved but then came back and denied my personal loan. Very unhelpful. Definitely won’t recommend Peoples Choice to anyone
Never felt so scrutinised :(
I first came about PCCU 3-4yrs ago, their rates looked great so I applied for a car loan and the service received was fantastic. Now..... I've never felt so scrutinised in all my life when applying for a loan, despite it still pending I'm inclined to cancel the application and look else where, due to the fact I've separated from a toxic relationship and am now single they called to question my relationship status and living arrangements, I've been asked to provide a stat dec from a family member to support the purpose of the loan, they obviousl...y took my relationship and ex's assets into account with my previous loan which was not to be done as they were comparing the details.... otherwise why the big issue with this loan? are declarations now a thing? say someone wants a loan for refurbishing a home.... do they require statements from retail stores to confirm purchase? I would understand if I've had trouble with my existing loan but I've maintained payments, even paid a little more each time and only have over 1yr left, am in constant employment and don't believe my credit history to be bad so this experience has left me confused and frustrated.
Recently applied for a secured car loan through people's choice. Fantastic interest rates and good loan conditions caught my eye and the initial stages of the application were very easy and straightforward. After submitting the initial required paperwork we were told we needed to submit more paperwork, ok seems a bit extreme. After verifying the exact information we provided, we were rejected!!!! My partner works full time with good income, myself casually (which falls out of the their guidelines for income apparently) so why not say that at th...e beginning? we also have an investment mortgage, savings, and dual income with good credit scores. No further explanation as to why. The lady on the phone acted like we wished to borrow a million dollars. Seriously, read all the one star reviews in regards their car loans and stay away!!! so many other options not worth the stress from these incompetent and rude staff.
Questions & Answers
What time centrelink payment go in my bank?
when dose People's Choice Credit Union Banks.
Do your maintenance in the middle of the night like everyone else!
We have queried People’s Choice about home loans established in 2012. Their practices then were questionable, and documentation slipshod or non-existant
We have asked then to give us blank copies of the loan application form and the home loan contract form they use today, so we can see if processes have changed / improved.
They refuse to give them to us.
I am hoping someone who got a loan within the last 12 months or so will read this and be willing to share forms with us.
We are interested only in the text and layout of the forms, so ask that all applicant / property / financial detail etc be redacted.
Can anyone help with this ??
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