新西兰Watch out Westpac's bullying techneques， updated, see #49
在新西兰
i refinced to westpac in 2013. as we all know westpac has this deed agreement regarding refinance (ie, if you refinance to another bank within two year, you need to return the cash back given).
i have sold one of my housees recently and purchased another one. i have decided to put my new property together with the one left to BNZ instead of westpac because westpac charges more bank fees in all areas and hard to deal with.
i have been discuessing the cash back issue with my account manager at westpac on the basis that the deed agreement i signed in 2013 was not a complete document(ie, no loan accounts details listed and the document was not signed by westpac staff, more importantly, 95% of the original mortgage for all properties was paid off due to sales of property rather than refinance). also i have informed them that " returning cash back" and " loan settlement" are two seperate issue and i intended to sort these out seperately so that one does not interfere with another.
Surprisingly, i received a phone call from westpac threating me that i have to return the cash back before the date my new property settle, otherwise they will not discharge my other property at westpac. at this point in time, the settlement of my new property is only 2 days away.
To all of you that is planning to get a mortgage with westpac, is it really worth the time and effort to take on foreseeable throubles and bullying techneques from westpac even though they provide attractive cash back?
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OMG...投诉去，怎么可以这样？
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https://www.bankomb.org.nz/complaints/new
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if you don't settle personally, the redemption statement will include your cash back amount together with your mortgage amount to the lawyer who handle your sales, they are obligated to settle the same amount the bank quoted.
The letter you signed is a declaration ( I think) that if you didn't take the loan for 2 yrs, you will have to refund the cash back.( if you take tv, return your tv ??? )
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{:8_481:} woo how did you reply so quick.
thank you for the link, i have contacted bank omb this morning. they told me to complain with westpac first due to the timing issue. will see how it goes.
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the deed argreement i siged clearly stated the if i refinance within 2 years i need to return the cash back.
in my case that is not a refinance but simple a sales of property
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那，可不可以先还了，再投诉要回来？
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i think so. i will bring it to westpac complaince team first and see if we can get this sorted before settlement. otherwise i have to return the funds first. i will purse the matter through Banking Ombudsman for solution.
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嗯，有时间的话，一定要告，太黑了
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Glad I didn't choose Westpac because I've heard about their 2yr contract
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see if you can win ( your cash back) and let us know :)
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i will keep you updated.
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我也是03年转WESTPAC，刚上年年底转了去BNZ。没有要回我的CASHBACK阿
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I think it will be hard for you to get any loan from westpac next time.
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i wont consider doing business with westpac anymore. i dont think it worth the time and effort.
even with my new house, westpac offered more cashback then bnz, i still decided to go to bnz just for the sake of more simplified communication and less bank fees. it doesnt matter if i have to pay back the cash back or not. im posting this so that other people who is going to do business with westpac can see the bad side in real time.
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did you sign the deed agreement, and did you stay there for at least 2 years?
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I got my loan from Westpac in 2013, didn't get to sign 2 years contract, I called them this morning, they said if I break it by changing bank, it is just $300 admin fee. no need to return cash back. no point of changing bank now, as interest was low when lock-in with them.
There is no other charges on my monthly a/c & housing loan a/c, as I chose electronic transactions a/c. I think if there is any charges on monthly a/c, LZ should talk to the bank as they can always change a/c type to suit individual needs.
by the way ANZ breaking fee is $100.
I am happy with both banks.
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楼主方便把合约中关于违约的那部分贴出来吗?
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do you mean the dead acknowledgement?, i dont know how to post picture
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就是agreement中陈述具体什么行为属于违约的那部分
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同意lz, 我也碰到过跟westpec不能沟通的问题，最差的服务的银行！
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如果是长期的投资，这种2年的contract 还ok啊，频繁的短期交易估计不适合了。
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they did not required us to sign the deed agreement
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I hate westpac too. They are useless and impossible to deal with
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我可能理解的不对, 因为所有的网友都是支持你的, 而我个人却觉得银行要求你退还cashback并没有错. 我不是学法律的, 只是从common sense来分析这件事.
你贴出来的合约分辨率太低, 看不清楚. 但是照你说的你签的这份deed其中有个条件就是如果你在2年之内refinance到其他的financial institution, 你需要退还westpac cashback payment.
事实是你在2年之内把loan换到BNZ了, 违反了这个条件. Deed里有提及在什么情况下会被void吗? 比如你卖了房子, 或者因为westpac比其他银行费用高, 你就有权refinance到其他银行而不用退还cashback? 如果没有的话, 你应该按照deed的规定退回指定的款项.
当然还有个前提是这份deed是有效的, 你提出了几个疑问(比如westpac staff没有在上面签名等), 所以这点可能会有争议.
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房子卖了不算是refinance吧？
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同問.......
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ta帖子里说还有一个房子
"...put my new property together with the one left to BNZ instead of westpac..."
"...95% of the original mortgage for all properties was paid off due to sales of property..." 如果只有一个房子的话, 照现在的市场卖了应该能把所有的mortgage都还了, 否则银行也不会允许你卖的
还有一点不确定的是, 从楼主贴出来的deed我勉强能认出这份deed有refer to the schedule of loan facility: Choices Loan Agreement, 不清楚那份loan agreement是和哪个/哪几个房子有关联.
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我同意你部分观点 正常情况下 如果2年内refince的却应该退还cash back.
我的情况特殊 第一我是卖房不是refinance. 原本是两个房子绑在一起的都在westpac 最近卖了一个还了大部分贷款剩下还有2万我就打算还清算了 因为settlement的时候已经break fixed loan 了 这样的话我并没有refinance还是卖了房子 并还清零头。 deed里面谢名了只有refinance去其他银行才算违反deed.
第二 deed本身不完整 当是准备文件那位没有写明loan facility detail (ie account number)我签了字扫描给他以后 他修改了loan detail吧account detail写上然后签字 也就是说他修改文件以后并没有通知我也没有让我在修改的地方签字 这样 最是不符合合约精神的 这份deed的有效性就的质疑了
现在因为我又买了新房子过两天要交接了 所以还清2万和 旧房discharge 新房settle 所有事情就凑在一起了 在我看来 我房子卖了钱还了 就不是refinance 至于之后我买新房用那个公司 都和deed本身一点关系也 没有。用westpac 快一年了 发现他们policy 很不合理 hard to deal with。 还有各种收费都不其它银行高很多 这次买房考虑在三 不管他cash back 在吸引人我还是打算找个好相处的银行 做起事情才不会碍手碍脚
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我也很同情你的处境, 只是把反面观点举出来这样你可以更全面地分析这件事, 有理有据地去争取你的权益.
从你贴出来的deed我勉强能认出这份deed有refer to the schedule of loan facility: Choices Loan Agreement. 银行很坏, 一般会把你所有的房屋都绑定在一起as security. 如果那个没卖的房子也在这份loan agreement的话, 你用这个房子到其他银行refinance不就违反deed的条约了吗?
另外关于这个deed是不是完整, 是不是有效, 我前面也说了可能有争议.
我不是学法律的, 希望我的理解是错的.