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Banks suck :(
 

Have been trying to access money that we have in a savings account with RAMS, in order to pay for our new car, for over a week now. It has been stuff up after stuff up from them, and I am so sick of it! Posted on their facebook wall today... if anyone feels like going and commenting, it might help get their attention.

Here's what I posted:

"Not happy, RAMS.

Chose your online savings account because it had the best interest rate, which has since gone up, awesome, good for you.

Your system was unable to verify my identity online, printed out the form, took it a Westpac branch as advised. So far so good. Two months later I find out that that form was never received. First stuff up.

Got a new form, took it to a St George branch on a Friday. '3-5 business days to process', yep, rightyo.

On the Saturday, we go car shopping, buy a car, explain to the dealer that we're waiting on the bank to process this form before we can access the money to pay for the car, should be done before the end of the week.

On Wednesday, no sign of the account being unlocked. Call RAMS to find out what's going on. Guy says 'Yep, your form was received on Monday and sent to the compliance department, you'll just have to wait."

On Thursday, no sign of account being unlocked. Call RAMS again. 'Yep, your form was received, I'll find out what's going on for you and call you back'. An hour or so later, 'OK, your form was rejected because one of the ID things you showed didn't confirm your residential address'. Have a think. Realise that the guy in the St George branch has only copied the front of my license, not the back which has my current address on it. Person on the phone says she'll put me on hold and figure out what we can do about that, I say I have to go pick my kids up from school, she says she'll call me back. She doesn't.

On Friday, no sign of account being unlocked. Call again, explain whole situation again for the third time. Person says that the best option is to scan and email my license to them, and that they'll 'send it to the compliance department straight away, and the account should be unlocked today or tomorrow.' I call teh car dealer, let them know that we will hopefully be able to pick up the new car on Monday. On my way to scan and email my license, I am involved in a car accident, and my car is written off.

Nevertheless, I give my license to my partner who goes back to his office and scans and emails it to them, at about 1pm. He gets what is probably a standard reply asking me to call them. I do so on Friday evening. 'Yep, it's been received and sent to the compliance department.'

Saturday. No sign of account being unlocked. My car is written off and I have no way of accessing the cash to pay for my new one. I call AGAIN, explain situation AGAIN. 'Oh yep, it's definitely been sent to the compliance department, but they don't work on weekends. They'll get it on Monday morning, you might be able to access your money by Tuesday..."

NOT GOOD ENOUGH. Apologies to the call centre employee I went off at this morning (I did also apologise and say I know it's not her fault when I was talking to her), but seriously, this is beyond a joke. Everyone I spoke to since Thursday (the guy on Wednesday was singularly unhelpful) had said they were adding a note to my file saying that it was urgent that the compliance department get this sorted. The license was emailed to them on Friday at lunchtime. There was PLENTY of time for them to look at it then, but nope, I'm waiting another THREE DAYS.

How exactly are you going to fix this mess for me, RAMS? If you can't, I will definitely be opening a savings account with a different bank (as soon as I can access my money, that is.)"

Posted here https://www.facebook.com/permalink.p...14683548578115

So over it