Utterly disgusting. What a disgrace.
I was put on to the Geelong office where I was told I would get a 9 month bridging loan and so and so per cent and so i waited and waited for the paperwork, including emailing - to nothing. I then wrote again and was put through to the same office. The same guy spoke to me, this time stating he didn't think Rams offered that and he didn't know why he'd told me. I might add that both referrals were to a woman at Rams Geelong who never bothered to make contact even though she was my port of call via the Rams site. I have never been so disguste...d in a company in my life, how dare they! So now we have to sell first, to then buy where we're going for my daughter to go to uni to do a double major/Masters, and we were hoping to move stuff out and buy first so I could fix the house up here first. Can't be done, and they led me on. I hate them and there should be an inquiry into their ethics. Absolutely disgusting and disgraceful!
Find somebody else
Try to change my loan from low docs to a normal house loan. They gave me the run around. I was on income protection for 2 years with a snapped ankle and they said they couldn't use that as income. I have never missed a payment. Very disappointed
Would not recommend!!
Already had a Home Loan with them and went for a loan increase to pay out a credit card.
Found out that the franchise we used was no longer and got the Docs from Rams (December). Filled out and got told we needed to go through the local Franchise.
Needed to fill out more paperwork and send more docs through. Rang Feb only to find out local guys had not even sent through. Got told all was OK and they would reply within the week.
After a month of more docs to send through we still heard nothing. Rang to follow up and got told we could n...ot get the increase due to a business we had years ago. So after a 4 month wait, a check on our credit file, and no increase after being told multiple times that all was great, the only thing they offered was a reduced interest rate to their current 2.74%. Would strongly avoid due to the poor customer service from the Franchise and Rams themselves as a current customer. Read the reviews ALOT of customers have had the same experience.
Rams Southern Vales....Excellent!
In establishing my home loan Darren at Southern Vales service was fantastic. He understood exactly what I required was efficient, prompt and thoroughly knew his product. All I had to do was provide relevant documentation when requested, he took care of the rest. I have and will continue to recommend Darren to anyone I know looking for a home loan. Cheers Darren
RAMS Home Loans, Southern Vales - Perfect Team for Home Loans !
The RAMS Southern Vales Team Members work efficiently and to the point.
All questions are communicated to the RAMS Credit Department and other departments and efficiently solved.
The end results are excellent !
Great until they withheld the rate cuts
I know their funded by westpac, withholding the rate cuts is a pathetic low dog act! , I loved Rams, they always looked after me and made everything easy but it's a no brainer when I'm offered 3.29 compared to Rams 5.10........this should be everyone's action, pass it on or move on! I'm sick of this crap where banks make billions upon billions yet everyone else battles on. Thankyou Rams but it was westpac whom sealed your fate.
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...
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?
Do you do landlord insurance in HOme Hill 4806
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.
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