Maroochydore Rams is rude, lazy and refuses to help
Got our home loan through Rams Maroochydore. They would never return calls would reply to emails in a rude attitude. Refused to help in anyway if it meant they had to do extra work. Would "lose" emails to cover their back about not completing a request for us. Left everything to the last minute to bring to our attention.
Dealt with Tash initially and then Zoey at Rams Brisbane South and they were fantastic to deal with. It was our first purchase and they answered all of my questions, even the ones I asked 4 or 5 times. They were easy to deal with and always got back to me within a reasonable time frame. I never had to chase them about anything. I would (and have already) recommend Rams to anyone who will listen. I did not experience any unexpected extra costs or any other issues of the sort. I received a very competitive interest rate... much to the shock of friends and family when comparing their mortgages. Very happy with the service.
They helped us when no one else could
Grant and the team where amazing at Gold Coast South Rams, they were able to help us when everyone else seemed impossible.
So far i haven't received any unexpected costs and the rate is great!
definitely recommend RAMS
Todd couldn’t have helped us more and in a timely manner. He was informative and always answered our questions.
No extra costs we actually found it cheaper then other brokers
Very happy with the loan rate
Hostile to customers
Trying to get information from Rams has been a nightmare.Not only are they unhelpful they are hostile in how they communicate with their customers.I understand that Documents need to be supplied however not everyone situation is black & white.All they need to do is treat people like people and not numbers.Its about communication something Rams seems to lack in.I have dealt with difficult companies before but nothing like Rams.Never have I had such Hostile staff to deal with.
Never Get A Home Loan With RAMS
I've been with Rams for nearly 7 years now and their "Customer service team" are the worst I've ever dealt with!!!! I recently rang to find out a payout figure and blindsided with my account is in arrears and has been for 5 months. Even though a few months prior to this phone call when speaking with a rams worker I was informed the account was up to date. 5 months Prior to this I set up a direct debit for the arrears amount to come out which never did. So for the past 5 months not only has my account been in arrears I've also been paying inter...est on the overdue amount. Once finding out I was in arrears I was quiet annoyed and I asked to put in a formal complaint, (without sounding racist) this was the first time in seven years I actually talked to someone without a very strong accent, I could understand the conversation fully without asking them to repeat themselves several times. Frustratingly and very unprofessional, somehow the conversation I had asking if my account was up to date was never recorded. So either they have slack workers or they don't want to admit their at FAULT!! My advice to anyone looking at getting a loan with Rams, any other lender would be 1000 times better then rams, also this wasn't the first time I've been blindsided with an arrears amount, they really are great at not informing you of this.
AVOID AT ALL COSTS
Rams is by far the worst bank or company that I have ever dealt with
They do not deserve the 1 star, if I could I would of give 0
Contact rams regarding a statement. They said it had been sent out. 2 weeks later no statement. I sent an email enquiry to ask where this statement was but got fobbed off. By them saying it was a request which it wasn't it was an enquiry...
Horrible!! Do not become a RAMS customer!!
Let me just tell the world how awful Rams Bank is.
I call RAMS in the morning, am told I need to have someone call me back asap to answer my enquiry, 7pm that evening they return my call.. then they call the next day and ask me the following "verification" questions:
What is my work phone number? What is my D.O.B, what is my drivers licence number. WTH!??
I refused to give them my work phone number (I don't think this is a suitable question for a bank), and I don't know my drivers number so the RAMS rep advises that since he can't ID me, I ...
Sneaky loan manager that ram you with high interest rate
If you want a faster processing time don't go with RAMS. I used to love RAMS when their loan specialist MR ALLEN FARRINGTON was still with them, he was AWESOME. Now, the ones left are so lazy I have to even asked them if they received my email, before they will confirm they did, and that's around 5 days after I sent it. They have tested my patience by letting me update my documents thinking my circumstance will change with the pandemic situation, and because of their procrastination, the valuation has expired, and asked to do another one, what...a waste of time.. RAMS should investigate their lazy employees. They will be losing customers. Anyway, I'm going to have a valuation of my property this time going to another bank who doesn't waste my time. GOODBYE RAMS!
Just my opinion
I've been with RAMS for 10 years and had not dealing with them much as i always paid my mortgage on time, however, when i called them to negotiate my rates, they make it impossible to do, with paperworks, staffs that won't listen to you, or just blatantly offers same approach to all of their customers of offering fixed rate.
With current economic climate, people are looking for better rates, but by saying "we cant do anything as your product is too old and you have to sign another produxt" isn' going to help customers, especially if previous ...
I have to give them a rating but the 1 Star is not worth it
Rams is the worst bank to deal with. I went through hard time and then covid 19 hit and it was worse. I ask them for assistance and they treated me like crap. NO help not Assistance. Had to get AFCA involved. Asking for help again and they again are treating me like crap. they are driving me to do things i shouldn't do. They are happy to take your money and they are happy to treat you like crap. Were is the help when you need it. NO help as they have to make there billions and billions in profit
Will not change rate
Name of my loan ,Rate Relief Aug08 .Have been a customer for 12 years my variable rate is 3.71% . This rate is no where near comparable to other companies offering considerably cheaper rates. Have called many times to ask if they can reduce rate to at least pretend to compete, answer is" no sorry that's the best we can do". Loyalty means nothing to this business, will be switching
Absolutely worst experience we have had with any finance company ever
Do not go through Rams!! They were great at first when interest rate was fixed. The interest fixed rate term changed during the covid period. I called to get a better deal and they have completely destroyed everything and no one will help . Going to ombudsman as there is no help from rams at all. Staff are abusive and rude.
Outside the box? Don't bother trying!
Fantastic til I approached them as a self employed person. Doesn't matter that I've been paying the loan BY MYSELF for over 2 years, I am apparently unable to service a loan. So much for all in it together and helping the little person! Disgusting treatment of an existing customer.
We had such a great experience with the Burleigh Rams team! Everything was so easy and hassle free. Big special thanks to Todd, Lischelle and Ben. Thanks again for everything.
Run, run as fast as you can!
they seem fantastic in the beginning but once you are signed up they dont give two hoots about you. Whenever you call they give misleading information or belittle you but when you call back again there's never notes from wrong information
I would recommend RAMS to everyone! The customer service is always really friendly and professional, I spoke to a lady named Deanne on the phone and she was absolutely lovely and took care of every Enquire we had :) Also my fiancé and I have been taken care of with financial difficulties due to Covid which was nice :}
Don't believe what they say and get it in writing.
We got a low doc rate, which was suppose to be converted after 2 years to full doc. Each year they make excuses as to why we cannot be converted and forced to pay more interest for no reason.
Stay well clear of RAMS at Parramatta.
Borrowing against our equity
Catherine at Gold Coast South Loans Center was great, she worked with us all the way and made sure we were kept up to date. Thank you Catherine for helping us make our dream pool come true.
Questions & Answers
When I try to move/transfer money online from my account for three days I have the message "We weren't able to load this page. Refresh". Is this happening to me only? or is this a Rams online problem?
I had the same issue. It was so frustrating. Asked a tech friend, he said it is a crome update. So if you are using Crome for internet, once you get to that page, press ctrl and F5. worked for me.
Cheers Sam, well appreciated :)
1990’s software, they get it cheap cause it’s so old. Don’t link accounts it just slows down a money transfer. Westpac own it just so it makes their service and IT systems look good.
Why does RAMS take 24 to 48 hours to send out a statement? My bank Commonwealth does it immediatly. RAMS wants me to save with them but cannot act like a savings bank.
They are a earth fill retaining wall, definitely not a bank, there should be a public apology and the directors should take a huge payout for putting their staff through service standards from hell.
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