3.6 / 5
Trust Score
2.7
Reviews
3.5
Social
5
Featured
4
Technical
Is rams.com.au legit?
- Many trusted websites are linking to this site
- The EV SSL certificate is valid
- Facebook account found with large audience
- The company has an ANDROID app
- The company has an IOS app
- We found several negative reviews about this site
- This website has existed for less than 3 years
- Instagram account found but audience is small
- Business not mentioned on Wikipedia
- Pinterest account not found
- Linkedin account not found
- Twitter account not found
- Youtube account not found
Reviews Analysis
4
reviews
vs
0
AI declined reviews
0%
NON VALIDATED REVIEWS
Usually stable businesses have more than 5 authority websites mentions, this one has 13 authority websites mentions and 0 mentions in other websites
Based on 6 reviews
Smart.Reviews
3.6
4 reviews
Trustpilot
2.9
2 reviews
Rams.com.au Review
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Last update: Wed, Mar 9, 2022 2:09 AM
The very first time was when I got a message to say that my direct debit of $50 for the construction loan was overdue. I called to rectify this straight away as I am never late in any of my bills. When I called the call centre I spoke with this very rude and abrupt lady, she implied that I was crazy as “RAMS don’t do direct debit as it is illegal” she would not let me speak, shut me down each time I said my previous construction progress payments were being direct debited. She got frustrated with me and said she will transfer me to someone else. This was very stressful for me, being my first home loan I really didn’t want to get on a bad start. I finally got through to another RAMS representative and I had to start the call like new. Full ID check, had to relay what my enquire was and what happened in the last call. This lady was nice and very helpful, unfortunately the first person I spoke with didn’t leave any notes so the second representative was unsure what she was talking about. She explained to me that direct debit is normal, the only reason I got the message was due to the public holiday and it will get processed following business day -nothing to worry about.
The second time I called was to discuss what to do when my construction loan is completed. I called the call centre. They said they weren’t too sure but to call the person that set up my home loan account. Once I advised that they are no longer open she then referred me to the closest RAMS office to enquire. I believe it was RAMS Mooloolaba, I spoke to a lady that was extremely rude. I wish that call was recorded and she was extremely condescending, she would not answer my questions and told me to call the call centre. When I asked her if I could get the valuation that my house was valued at she said that RAMS don’t do a proper evaluation, someone only goes out to make sure the house is completed after the build. This I found annoying as when I first signed up with you, [name removed] was my loan advisor, he said that we would get a valuation of the home once completed. So am feeling deceived as now I need to pay to have one completed.
Then I called to simply request my bank details be updated as I simply changed banks. I thought I could do this over the phone like any other company. But no, I I was sent a form to complete. I completed and emailed the form back, only to receive it back again to say it was missing information. I had to print the whole form again since the last one was chucked in the bin. I don’t hear anything. I tried calling, long wait in the queue, couldn’t get through. Then get an email to say to call RAMS. The call centre isn’t exactly to get a hold of. But I tried, couldn’t get through.
Now to my most recent events with RAMS. The end of my construction loan. I received a letter to call RAMS to get my change over fee waived. Great. Called through, no you can’t change until a week before the 1st of April 2020. Alright, Called a couple of days before then, spoke to a gentleman, didn’t catch his name, he said good news we can waive all fees and you can get an interest rate of 2.79% without any prompting. I thought this was great as I was considering refinancing for a similar interest rate. I also wanting to change my monthly payments to weekly or fortnightly as that works better for us. He said I was entitled to all these changes. But he can’t do anything until the 1st of April 2020.
I requested 6 call backs in the last week. I haven’t received 1 call. I have called, I have been on hold for 20minutes + each time. Which is not suitable for a couple who also work full time. Wasting all breaks to try and get a hold of our home loan financier. Hence the request for all the call backs to get everything sorted.
So I called the office this morning, spoke to this lady, she was nice but seemed to not know too much information. Just kept saying she would transfer me through to the department that sorts it out but then kept remembering they don’t open until 8:30am. Not convenient for me as that’s when I start work. I end up updating my payments to fortnightly. A little annoyed that she said that will start from May as I couldn’t change it for the month of April, even though I was told I could a week ago? And she also advised of my new interest rate of 3.81%. I’m a little confused to why it could get changed to this amount but not the 2.79% as per prior discussion. I was not told 3.81% would be my interest rate ever. No letters, emails or phone calls.
So I tried calling the office for my lowered interest rate and a refund on my “waived fees” but phones are busy and I’m still waiting on a call back.
I find RAMS customer service is atrocious. I work in customer service myself and we promise our customers we will get back to them that day, we don’t have long hold times on the phone, we respond to emails. Even in these tough times. I really hope all calls are recorded, as not one service representative advised me that on any of the calls.
I did load a complaint message to the company but never heard anything back. extremely disappointed, I wish someone had of warned me earlier. They have been giving me the run around. STEER CLEAR
#delivery(3/5) #price(3/5) #quality(3/5) #customer service(3/5) #on-time(3/5)
#delivery(3/5) #price(3/5) #quality(3/5) #customer service(3/5) #on-time(3/5)
Usually stable businesses have more than 5 authority websites mentions, this one has 13 authority websites mentions and 0 mentions in other websites
Rams.com.au Review
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3 years ago
review by Jgls B.
#delivery(3/5) #price(3/5) #quality(3/5) #customer service(3/5) #on-time(3/5)