Unhappy with my bank.
It's not that I don't like the bank, it's more to do with the fact I have been with the bank for about 25 years and I can not recall ever receiving a call to ask how I was going and them offering advice on how to reduce my interest rate.
It took 8 months to refinance, there are incompetent staff. They have been unable to tell us why fees were charged unless we were asked. Everything is outsourced. No apologies, just rude.
They've given me a loan and at the start because I did it over the phone I will be honest I had to run around a bit , however the staff were very accommodating. I do get charged late fees or have been where as my NAB. Bank doesn't . That's only one feature I'm not happy with. I can get through fairly easily and they've been helpful. I'd have to say to all banks as they don't seem to mention other services available and I found out afterwards, it would be nice if their staff offered other solutions to my needs if they thought it would help. Otherwise both BankWest and NAB have been pretty good, but BankWest have a lower interest rate.
They are great.
Don't like their service.
Tried to apply for a small loan with a good income that could comfortably meet the repayments with a good credit rating but was rejected. Their lending criteria is a bit stricter than other banks and make you jump through too many hoops.
I earn good money and at the time I was with this bank and despite only wanting a small loan they rejected it even though I had a high full time job. too many papers and questions to fill out.
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Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 8.00% would cost $36,647.51 including fees.
Terms from 1 to 10 years. Representative example: a 5 year $30,000 loan at 7.99% would cost $36,738.90 including fees.
Terms from 1 to 5 years. Representative example: a 3 year $10,000 loan at 6.79% would cost $11,380.22 including fees.
Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 6.99% would cost $36,133.67 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.69% would cost $41,420.45 including fees.
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