Ubomi

Untrustworthy. Ubomi wasn't worth it – I needed the loan. Ubomi was there. But you have to pay off the loan and become a member and pay membership fees on top of your loan but when you're desperate, you're desperate. I think they take advantage of those in need. Then a two weeks before my membership is due to end, they say I won a Coles gift card from their daily draw. They said it was… Read more

emailed to me and to check my spam, which I did. Then I asked if they could resend it but declined to-- I believe the voucher thing was to trick you into continuing your membership. Maybe I'm wrong, but I wouldn't recommend them.

Predatory lender, comes up when you get rejected for more ethical lenders – Had an unexpected bill, applied for traditional loan, got knocked back. Redirected to UBOMI. Not a loan, it says, a "hardship grant from a community provider" Ubomi payment was as high as the "not loan" repayment. And they take theirs first. Hard to cancel,unclear terms and conditions. Must sign up to premium to get any kind of useful services, which actually aren't useful at all. Avoid at all costs.

Snakes in the grass – Can't use aggresive real talk! Takes money every month, makes it hard to unsubscribe. Onto my legal team now... Find other genuine lenders. Lucky I have to put 1 star for my review....

Eager – Responsive & Proactive Customer Service Agent :) Prompt action taken, on a SUNDAY afternoon! I was so impressed & wowed, with Ubomi, resolving the matter :) Ubomi is eager to satisfy their customers :) Show 2 replies

Meet expectations! – Really meet expectations and anticipate customers need.Especially in emergency situation.Recently i need extra cash for dental surgeries and UBOMI is the right solution.Efficient and fast response team members. Show reply

Service is great but – The Service and customer support is great but their IT dept needs works. Keeps sending the same email repeatedly. To get the best service, call them. Show reply

Fking rip off mob – Ripped off site , taking money out of my account,for something I never ask for or agreed to,with no way of stopping them , don't even have a login to there site fking thief's

Terrible support at best and predatory business practices at worst – UBOMI Team use the same poorly pre-written replies to every query that are purposefully vague and refuse to answer simple questions. The app is designed badly on purpose with the only objective being signing you up to the ucash platinum and to make it impossible to cancel every other feature is nonexistent. I suspect every single positive review… Read more

on here is written by a staff member at UBOMI.

I already know UBOMI's reply to this comment will be along the lines of "We're sorry to hear this has happened, please email us on xyz to discuss this further" along with mentioning their 28 days cooling off policy

If you have had grievances with them lodge a report with the ACCC it is super simple to do, just fill out a form and you are on your way.

Despicable outfit – I was directed to Ubomi in Feb while seeking a small loan - they offered $200, which they called a grant, claiming no extra fees or charges (fool I am I actually believed them). The application was a breeze, and I was approved quickly. Like others here have reported though after the first repayment I discovered they'd taken an additional $19.98 -… Read more

when querying this I was told in accepting the money I'd been signed up to some platinum membership.

This was not something that was communicated at all when taking the loan, so it was a shock to be told I'd facing that $19.98 membership fee every fortnight for a service I didn't want or agree to on top of the $20 loan repayment.

I objected, and was told the membership could only be cancelled when the grant was repaid. Here I was a fool again as with everything going on in my life at the time I didn't have the energy to fight it, and decided to suck it up: I'd repay $200 loan, plus the extra $199.80 on top.

My loan is now repaid, but will they cancel the subscription? No, of course not. Now there's a "28 day cooling off period", which conveniently allows them to bill me twice more. Once again something that was never communicated at the time of taking the loan, or in their response when I originally asked for it to be cancelled.

I have asked more than once to be shown a contract, they have failed to provide one. Their responses to emails are just the same copy pasted "cooling off" period nonsense.

I've put in a request with my bank to block them from further debiting my account, which seemed to be the only avenue to stopping Ubomi's appalling behaviour.

Terms and conditions legal breach – 28 day cooling off period incurring $40 fee. They prey on the ppl who can least afford. They say refer to the terms and conditions of your contract. I am happy to assist anyone who is interested in contacting me with regards to pursuing a refund. Their terms and conditions wouldn't hold up in a court of law. I am in the process of contacting consumer affairs and having this matter resolved.

Modern scam – Signed up for a loan, unknowingly paying 20 dollars a fortnight. To cancel, you have to contact customer service and they put you on a 28 day notice for cancellation. This means during the cancellation process you incur an additional 40 dollar fee, they know you do not want to pay. I don't know of any reputable companies with subscriptions who… Read more

hide their cancellation process. Website touts transparency and support, really just a company that pretends to give good loans and haves you paying when you're not on a loan. Do yourselves a favor and look into Beforepay and Wagepay who do not charge you and are, in actual fact, transparent.

Find another solution – Don't sign up ,it's too expensive the app doesn't work well and the rewards are a joke. Biggest mistake I made...never ever again I can't afford the monthly fee .

Fast efficent – Filled in the questions Got reply Got my loan And now I also have free of charge My own personal budget diary I'm in control of my finances so simple so easy Show reply

Great service – I’ve been using UBOMI for a couple of months and cannot fault it. The ucash feature has been very helpful in times of hardship. Great app to help breakdown your income and allow you to set a budget and goals to reach, as well as being able to set payment/bill reminders. Show reply

Has helped in bad situations – I applied for an advance pay after my husband died and I had to pay bills that were getting away from me. It's an easy system once your approved Show reply

Scammers for sure – Told me my account will stop taking money out in 28 days. Still continued to take money out. i’m refusing to pay any more money as it clearly states 28 cooling off period it’s been over a month. Scammers yuck.

Disappointed – Don’t ever sign up with this company to take out short cash loan. Even if you paid out your loans they still going to take members fee $9.99 for another 28days apparently they call it cooling off period! It’s disgusting how they still in the business attacking those who are struggling at the moment!

Fraudulent withdrawals from my bank account – A warning. Please do not deal with this company. I made enquiry with this company on line and have had $19.95 taken from my account regularly for what . I've asked them to stop stealing this from my account and for a refund of all amounts as this was never authorised . Very unhappy and will be taking this further until my money is returned to my bank account .

Please avoid - they will only learn through gaining no business – Ubomi cannot supply the services they charge you for. The app is beyond a joke - you will find it difficult to login as it laughably states your password is incorrect and then randomly lets you in with the same credentials other times. Once in, it will advise your account is not 'synced' to your bank account (necessary to access the only useful… Read more

aspect - small loan/advance), but when you try to sync the app freezes. Every. Damn. Time. Of course this also comes out of nowhere as many weeks ago you were considered to have successfully synced - it is utterly random & hopelessly unreliable. So you are being charged $19.95 pf for a service that is FAULTY and unusable. The website is no better and you face the same battles. And then, when you ask to cancel (as you are absolutely entitled to as you're paying for something that doesn't work) you are hit with ongoing charges for 28 days as others have mentioned. They will arrogantly point you to their T&C - as though you can put any ridiculous condition in there and effectively 'flip the bird' at your customers. As I suggested to them, why stop at 28 day ongoing fees, why not chuck a $500 cancellation fee in there as well if that can legally be hidden away in amongst all the other guff. In short - you will almost certainly face extreme frustration, no service, no value, and a depleted bank account balance that will leave you scratching your head asking, "what the... did I just pay for?" Don't give them your business. I have no doubt the 28 day ongoing fee clause is because they know they will lose customers almost immediately after they have signed up, and those ongoing fees will be how they make their money. A genuine disgrace & I suspect a fly-by-night company making a quick money grab.

It’s great for a short term loan but – It is great for a short term loan but I have had issues in the app finding the area to apply for the loan last time it just pending under the loan it was sougted through a quick email. Also it doesn’t update you have to constantly update the bank statements which is irritating if it’s connected to the bank account you shouldn’t have to manually update it! Show details

Same issue as many other member I’m sure!! Stop milking me when you claim you’re here to help… – 0/5 if I can Same issue as many brought up before, having to pay 9.99 a week for $200 and they don’t process it straight away so you might be paying 3 weeks of subscription when it should’ve been 1 week, in my case it took a whole week then they come tell me I’ve missed a payment from 2 month ago and therefore put my account on pending while… Read more

still charging me 9.99 a week even though I believe I’ve made the payment but out of faith I paid them again but still wouldn’t remove my account off pending while still trying to withdraw 9.99 when asked about it they say it will clear soon blah blah a week later still on pending and still getting charged while not receiving any benefits or assistance. These guys claim their here to help but had only added more frustration and and crippling with what little saving I have.

Thank you for opening my eyes – I had myself in a bit of trouble until I found out about ubomi it has taken a few months but am now getting ahead of things by following the budget I set out for myself with the help and direction from them and see the light at the end of the tunnel Show reply

Scam. Stay away – Quick and easy to sign up and you do get the 200.. 10 a week subscription that continues after its been repaid with absolutely no option anywhere to cancel subscription and a message service that doesn't respond and not even an option to loan again so that at least the subscription is for something.. Do not recommend and any review giving 5 stars is a fake.

Great website with a abudance of helpful benefits – When I came across the website I was looking for a small monetary loan offer available for when I needed it as a backup. And everything worked out fine. I am really happy with the experience I have had. Show reply