I was introduced to Heartland via a broker and happy that the loan was approved. I have found the experience abit disjointed. Initially the incorrect loan amount was sent through and felt like I was flying blind at one stage but we got their in the end. I have found the on-boarding process quite disjointed and incomplete. I have not as yet spoken to anyone but their email correspondence is quite responsive. I have rated you as a three as I see there are some areas that should be expected and by implementing them you could make some quick improvements.
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