I have asked for assistance because of CoVid19 to get my home loan differed. I put an application in and have not heard anything back for two weeks and I cannot even contact the branch that handles the applications as it is just a message. They do not care about their customers at all and very annoyed that they ignore you even though they have on their website they will help. I will be going to a different lender and would never recommend RAMS to anyone due too very poor communication and not responding at all.
Rams is a home loan provider that is only good when you can pay your mortgage but times like this when one has lost their job due to Covid 19 they dont want to know No calls are return only promises to do so. It has been a whole month since I filled in a form
The ruthless franchise model of RAMS branches is not compatible with customer-focused solutions. Complaints to the escalated team are routinely ignored. Emails to RAMS are ignored. Our dealings with RAMS South East have been nothing short of a shambles. We have observed 4 separate staff members who have departed (as evidenced by automatic email replies advising of their departure) which makes communication all the more difficult. We were assured in writing when we applied for the loan that after 3 consecutive years of clear repayment history, we would revert to full doc and obtain an interest rate reduction of 1% less (we are currently obtaining an exploitative rate of 4.26%). However we understand based on a conversation with customer service that RAMS has reneged on this policy. I understand RAMS will soon be rebranded as Westpac. The sooner that happens, the better.
We had to open an account with Westpac even though we dealt with RAMS direct for the loan initially, we didn't realise this however both RAMS and Westpac have only been helpful for us whenever we have had any interactions with them.
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