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I have a loan with infact two loans with rams ..i rang as
i have a loan with infact two loans with rams ..i rang as the the loan ,one of them as fixed interest .and i decided to have a fixed rate for 5 years from 2016 .they nominated 4.19% as the rate .the o… read more
John Melis
John Melis
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Bachelor's Degree
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Sorry Pearl. Vic. Disputing anz 300k point offered for new
Disputing anz 300k point offered for new home loans… read more
Leon
Leon
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WE HAD AN INVESTMENT LOAN WITH ME BANK FOR $430,000.00. WE
WE HAD AN INVESTMENT LOAN WITH ME BANK FOR $430,000.00. WE SOLD OUR RESIDENTIAL HOME IN SYDNEY AND MOVED INOT THE INVESTMENT PROPERTY WHICH IS NOW OUR RESIDENTIAL HOME. WE FUNDS AVAILABLE TO PAY OUT THE INVESTMENT LOAN WITHIN DAYS OF SETTLING ON THE SALE OF OUR SYDNEY HOME. I CONTACTED ME BANK WITH THE INTENTION OF PAYING OUT THE INVESTMENT LOAN SO AS TO AVOID ANY ADDITIONAL INSTALMENTS AND SAVE ON INTEREST COSTS AND PAYMENTS. THEY INITIALLY TOLD ME I COULD GO TO MY BANK (ANZ) AND PERFORM A BANK TRANSFER. IT HAPPENED TO BE A BANK HOLIDAY ON THAT DAY SO IT DID NOT HAPPEN. WHEN I AGAIN CONTACTED THEM, THEY ADVISE THAT AS IT WAS A FIXED INTEREST LOAN I HAD TO COMPLETE A "BREAK" APPLICATION WHICH TOOK A FEW DAYS TO PROCESS. THEY THEN SENT ME A DISCHARGE AUTHORITY WHICH TOOK ANOTHER 5 DAYS TO PROCESS. I INCURRED AN ADDITIONAL INTEREST PAYMENT OF AROUND $1700.00. THIS COULD HAVE BEEN AVOIDED WITH A DIFFERENT SYSTEM. IS THERE SOMW WAY BY WHICH I CAN RECOVER SOME COSTS. … read more
Leon
Leon
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Master's Degree
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Unfortunately my ex-husband & I have failed to come to
Hi John,Unfortunately my ex-husband & I have failed to come to agreement due to him being unwilling to negotiate & the matter has now being assigned to the trial listing.My first issue is with my fina… read more
John Melis
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Bachelor's Degree
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We have a son who suffers Mental Illness. He has had a car
We have a son who suffers Mental Illness. He has had a car loan for at least one year. We as parents thought that we had Guaranteed this loan. he has always paid his bills. However, for some reason he… read more
John Melis
John Melis
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Bachelor's Degree
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Afternoon, NSW, not yet, can I quickly go though what's
can I quickly go though what's going on first? I applied for a loan at Future Financials a few months ago and got formally approved n early April 2017. It was a refinance of my current two unencumbered properties in Wentworth Point and Ermington, plus a new purchse of another investment in Thornleigh. Mortgage document was executed and returned over 6 weeks ago, and settlement was booked for yesterday 24th May 2017. However it was pulled off at the last minute before scheduled settlement time of 3 pm.… read more
Daniel
Daniel
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We would just like to get your advice/direction on how to
Hi. We would just like to get your advice/direction on how to proceed further with this. … read more
Leon
Leon
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Master's Degree
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My name is ***** ***** I have a few questions regarding
Hi, My name is ***** ***** I have a few questions regarding my tax return and buying property in the next 3-6 months. I am currently on Newstart and have been for several years.. I recently won a subs… read more
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Leon
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, I loaned my son money to buy his house. He has been
I loaned my son money to buy his house,(for the entire amount) and I hold the formal first mortgage over the property. He has been unable to pay me the agreed interest for the duration of the contract… read more
James D. Ford
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On the pending settlement of a house thru one of the big four,
On the pending settlement of a house thru one of the big four, they set up 3 personal loans that the client had not asked for to effect settlement, because of some pereceived Bank shortfall in securit… read more
Leon
Leon
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Master's Degree
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we have spoken to our anz bank who say they dont have the physical
we have spoken to our anz bank who say they dont have the physical copies anymore, they have all been transferred to digital but we have to apply to get copies and they are going to cost us $320 plus … read more
Leon
Leon
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Master's Degree
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On the 20/8/2013 I discovered the ANZ Bank was still charging
On the 20/8/2013 I discovered the ANZ Bank was still charging Householder Insurance on a unit my wife & I rented while building our current house at 5/41 XXXX XXXXXX, XXXXXXXXXX, XX. The ANZ had been … read more
Expert
Expert
Good morning My Name isXXXXX am a company Director
Good morning My Name isXXXXX am a company Director of Chyco Holdings Pty Ltd & L&T Trust A.B.N 77 649 241 728 I have Mortgage Loan with Citibank for 1,144.000. fix interest rates at 6,09%. Citibank ha… read more
Leon
Leon
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Master's Degree
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My ex husband is paying the mortgage on my house and has been
My ex husband is paying the mortgage on my house and has been since purchase jul 2011, however my partner's name is XXXXX XXXXX title deed and mortgage documents (my ex couldnnt secure finance at time… read more
Leon
Leon
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Master's Degree
51,906 satisfied customers
Hello I have a specfic question for you. I entered in to
Hello I have a specfic question for you. I entered in to a 5 year commercial lease on the 1/10/2008. The lease is $180K per annum. After a year of operating this Aged Care business, I realised that it… read more
RJBLAW
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2 weeks ago I have signed a Mortgage Offer by ING for a
2 weeks ago I have signed a Mortgage Offer by ING for a fixed interest rate of 5.99%. The paperwork was forwarded to my previous lender (ANZ) who did not right away act to finalize the required paperw… read more
Leon
Leon
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Master's Degree
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I used to own a business, I closed the doors Sep09. I have
I used to own a business, I closed the doors Sep09. I have been trying to pay the debts. The business debts are secured by the business. I was trading as a Sole Trader. I have tried refinancing my hou… read more
Leon
Leon
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Master's Degree
51,906 satisfied customers
My Ex and I wanted to buy a house, my mother gifted us the
My Ex and I wanted to buy a house, my mother gifted us the Deposit amount as we did not have one, as a loan. At the time I had a black mark on my credit history so the home loan for the remainder is i… read more
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Leon
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DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

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