Very high interest rate if you don't withdraw!
Small bit of research did not find me a savings account with a higher interest rate than this, both the bonus interest rate if you don't withdraw, and the standard interest rate. Great app. I have not had to use their customer service yet (a good thing I guess) so I can't comment on that.
Good Account APPALLING service
Potentially a good high interest account BUT problems abounded.
The right hand didn't know what the left hand was doing. Mixed and differing letters and emails.
Appears not to be user friendly with investors (savers) as opposed to mortgage holders.
No follow up on customer complaints
Would not recommend at all
Excellent service !!
I have such a good experience with Rams. I highly recommend Rams to anyone looking for a home loan. I would like to thanks 'Dorene Statham' (home loan manger at Rams st george area) who went above and beyond with my loan application procedure.
Pathetic is not the word
My home matured after 3 years being in a fixed term. Contacted rams head office , advised to contact the Franchise office in my suburb. The franchise store advised we will automatically convert into a lower rate loan. Next month was charged even higher than I was paying. Was advised I need to sign a new home loan document . Well signed and sent it and the following Month got charged the same higher rate. contacted rams, They had lost the document.
Sent a new one express post took 5 days to reach us, signed and sent back and lost again .( we have proof)
So another month we got charged higher rates again, that now 4 months of being charged higher rate on a $800,000 loan it was every month paying about $765 as my interest rate was 4.59% but was supposed to go down to 3.82% as promised by rams Franchise office. After sending a huge email as phone calls were never effective , I got a resolutions team offer me a $2000.00 refund as they lost documents now 3 times in mail. Well I have been charged so far extra $3000.00 and i have to pay for their Mistake ..
Pretty sad situation and every word I have said is true.. Rams system doesnt allow westpac team to Access. rams is owned by Westpac so staff are westpac staff who are trying to resolve your problem.. Its like a doctor trying to operate on your leg but he only can see your face.. Based on your face he assumes your size and shape of your leg so that he perform an operation to fix your leg. Its a complete joke and we as customers of this company are never once contacted. I would only know they lost the document when my bank account was debited. who looses document 3 times . I havent heard this before or experienced it before.. Not one single phone was made to us .. Not once anyone contacted us to say we have once again lost your documents.
RAMS staff went the extra mile!
We recently applied for a loan through Rams home loans
Brisbane South East Bayside Branch
The principal Tash Thorndyke and her colleague Zoey Langdon really went the extra mile for us with an extra quick turn around on our loan application and a really good rate, Tash personally made sure we got the best possible deal.
We couldn't be happier. The communication with them is excellent,
We could not recommend them highly enough.
Dealt with Josh and Rebecca at RAMS Ballarat. Exceptional service. Nothing too much trouble, friendly and easy to deal with. Great product for my needs. Highly recommend without a doubt.
Disgrace CONSUMERS BE AWARE
You failed to advise the probable & significant increase or WHOLESALE flatulence of a break fees based on a fixed P&I loan; after an initial inquiry end of January. I was advised a breakdown end provided in writing to which alarmingly increased by 40% following my second point of call 7 weeks after
Great Experience Highly Recommend Troy!
It has been just over around 8months of dealing with Troy from the Mount Barker branch and I can honestly say that even though being a lengthy process (not on their behalf) it has been a great experience and I don’t think I could have trusted anyone else in helping us to get our first home loan.
Troy was helpful in every way and never made us feel like we were not wanted. He had great communication with us and I felt like we were being taken care of the whole time. I would highly him recommend to anyone!
Thanks again Troy for all of your help :)
Would not recommend. Pulled all my savings out of here as I had a recurring debit coming out and inquired with them whom it was. Their response was "a debit you've authorized". After explaining I wasnt aware of it could they tell me the account name they said no. I asked them to block it and it was so difficult i just pulled all my money out. He just closed it for me no worries without trying to save me as a customer.
Awful communication and lack of clarity
I can’t think of a more enfuriating process in my life than applying for a RAMS home loan. I started my application in late Jan this year with a very pleasant visit to a branch, however as I write this in early March I am yet to receive communication that my loan has been processed past pre-approval. I have bent over backwards to provide documentation, alternate documentation, even verbal confirmations of previously submitted written documents and our reward has been to be constantly told to “just get an extension on payment of your deposit, these things take time”. This has resulted in nearly losing our grip on our first home. Eventually I went to another bank who unconditionally approved my home loan application in under 7 days through 2 phone calls. Compare this to the 5 weeks and probably 150 emails I have exchanged with RAMS for absolutely no result! I am not one bit clearer to knowing whether my application has progressed or will be successful than when I walked in 6 weeks ago.
I will go out of my way to warn people off using RAMS and my family, solicitor, estate agent and vendor would definitely agree. What started as a dream quickly turned into a nightmare.
Six weeks after applying, numerous calls enquiring what was happening, requests for documents already supplied, delays, excuses, justifications for delays... The icing on the cake...Rams don’t lend for any property In the area we wanted - six weeks they wasted our time and money. We will never deal with Rams, Leon or Charles at Rams Toowoomba again.
Rams now asking for credit enquiries from over 15 years ago. Lead along for over 4 weeks now. I have given Rams so much information. This is crazy. I was told so many times this is all we need. But they just make thing up as they go along.
Cant get online with safari after upgrade
When will this broker issue be fixed as I don't like having to re start my computer and use another server. I joined rams as it was easy now it is not. feb 2019
In the past 3 months I have had duplicate transactions and missing transaction
At the end of 2018 after they 'upgraded' their web site I had lots and lots of duplicate transactions I identified which I brought to their attention and then they were then fixed. In early 2019 I noticed a missing transaction (my salary - who doesn't miss that!). The balance appears to have been correct the whole time but not the transactions. For example in December I would see two credits of $5 for the same thing but my bank balance went up correctly by $5 for one of them and didn't increase for the other one. When transactions were missing in early 2019 I could see the balance changing by more than the transaction. When they reset my account I could see that in fact three transactions were missing over the past week. I am told it's a known issue they are working on but can't advise when it will be fixed. I have never not been able to rely on a statement for a bank account. The first time I called the guy suggested leaving a message at the end to record the issue to maximise Rams being aware of the issue. I tried to do that and got a message that the mailbox was full. The people you speak do try and be helpful but the technology needs fixing ASAP. You don't know if people have paid you, it's impossible to budget properly etc.
Amazing Experience on Buying Our First Home
I found RAMS online 2 years ago and from the day I called them until we moved in to our new home, Jim from RAMS was the best support and knowledge that made the whole experience less scarier. We were never left to feel as we didn't matter. Even the smallest details were taken care for us. Jim spoke to us with the truth and helped as get approved for our loan fast and within our budget. Highly recommend !
Poor customer service
i apply for Refinance for RAMS and it was all good at the first process to get you in and sounds promising then after all the application is done it took four weeks to get the results. In between there was some follow up but just all promising but at the end it did not go through. It was basically a waste of time...
Darren at southern vales was recommend to us and was very helpful in organising my wife and I in what information to be provided for our home loan and refinancing. Thank you have recommended you to others. Chris and Sonya
Fantastic service and down to earth
Matt was so much help. My first home and first discussions around finance for it, he helped me collate information and armed me with questions to ask and things I should be aware of (even when I said I would be shopping around at other place)... at no point did I feel like I was dealing with a salesman.
An informative and welcoming environment
My partner and I are beginning the process of building our first home. We met with Joe Delis in Adelaide and he was very thorough, gave us insightful information and we felt really comfortable with him; he walked us through the process and was also lovely to talk to aswell.
Worst ever home loan.
Very very disappointing. Promised call back after call back never happened. My home loan was is debit I kid not $2.48c and I received a demand notice that was referring to further notices that were never received! I even phoned the contact centre who basically told me to pay it immediately or risk losing my house! The kicker is that on I’m a direct debit that they take out at the end of the month. There was a computer clutch one moth that resulted in them taking less. I spoke to so many people re this but still it took them 3 months to correct. I have other issues with them as well we we asked for a parental leave application but was told we cannot have this and need to do financial hardship (even though we weren’t t behind) then when we called the person was so rude condescending and arrogant think his name was Andrew and still have not sorted out anything. we are changing ASAP.
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