Bank Fraud in Australia

Table of Contents

Articles by Evan Jones

The NAB and Its Publicity Grabs

Innovation at the NAB and Grab

NAB accused of dirty tricks in Queensland

Bank Fraud and John Howard

Australian Four Pillars Bank Policy

Document Discovery and the Australian Courts

Final Warning: A History of the New World Order

A Case Study in the Adverse Small Business Environment in Australia

The Walter Family and the National Australia Bank - part 2

The Victorian Courts - part 2

The Industry and the Federal Authorities

The State of Victoria and the Bracks Government

The NAB and the New Public Relations Program

The Regulators, the Law and Bank Malpractice - part 2

Conclusion and References

Tony Rigg -Never in Default

1 - NEVER IN DEFAULT - Rigg

2 - Fraudulent Swiss Franc loans

3 - Insider Trading within a Secret Society

4 - Corrupt Receiver and Illegal Eviction

5 - Collusion in Government

6 - Commonwealth Bank Code of Practice

7 - Pioneer in Steel Structure Building

8 - Summary of Argument on Appeal from Federal Court

9 - Brief for Joanna Gash, Federal MP from Gilmore

Steve Heinrich's Last Submission to Federal Court

Wilfred Taylor

Corporate Australia

**********************

Patricia Poulos, Senior Consultant and Head of Litigation

The plight of Tony Rigg and others is a disgrace.

What a blight on the Legal System and the government, when the likes of successful businessman Tony Rigg has had to assume the role of his own lawyer.

Try though they may, these wonderful Australians are no match for those who act for the banks and other lending institutions and who, without
conscience, sacrifice these innocents to the scrapheap.

It is imperative that the battle fought is on 'legal' grounds and the result obtained is financially beneficial to the battlers.

I am saddened that so many, spend so much of their life, with very little reward.

I have been where these fine people are, and now have a real
opportunity to assist. I now own an Incorporated Legal Practice - "NICHOLAS POULOS LAWYERS" and we specialise in litigation (but have a general practice).

With my knowledge and experience, no stone will be left unturned in researching documents in order to uncover the truth and put it before the
courts.

I may be contacted on the email address [patricia.nicholas@hotmail.com] and also on my pager (02) 9962.8172."

I wish you well.

Kind regards,
Patricia Poulos

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I Want The Earth Plus 5% -- an allegory that's not a fairy tale.

Collapse of the Dollar: How America Was Set Up to Take a Fall

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A New Beginning: A Practical Course in Miracles
1 INTRODUCTION
2 HISTORY OF COMMERCE
3 RESPONSIBILITY
4 REDEMPTION
5 POWER OF ACCEPTANCE
6 BEING A DIPLOMAT
7 BEING A SOVEREIGN
8 PRIVATE BANKING

Drug Smuggling

Why Taxes Are Not Necessary

Income Taxes are Cartoon Images of the Law

Hidden Truth about Income Taxes

Stopping an IRS Audit with 32 questions

Social Security Number and W-4

Recording a Notice of Lien as a Lien

Agent Reveals IRS is a Fraud

CAFRs Are the True State of the State, Not Budgets

Comprehensive Annual Financial Reports Expose Fraud 1

Comprehensive Annual Financial Reports Expose Fraud

Links to State Comprehensive Annual Financial Reports

Behind the Stock Market Illusion is Government Collusion

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Your Credit File Rights

For debt elimination to be successful you must know your rights.

Zombie Debt: Debt is Hard to Kill

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Sleazy New Debt Collector Tactics

It may not be your debt, but it could be your problem. Collection agencies are bullying blameless consumers into paying debts they never owed. Eliminate your debt and be free.

Debt Collection Practices: When Hardball Tactics Go Too Far

Dealing with a debt collector can be one of life's most stressful experiences. Harassing calls, threats, and use of obscene language can drive you to the edge. Debt elimination is the solution.

An Outcry Rises as Debt Collectors Play Rough

The rise in American consumer debt has been accompanied by a sharp increase in complaints about aggressive and sometimes unscrupulous tactics by debt collection agencies, a phenomenon that has government regulators increasingly concerned. Debt elimination removes any advantage they claim.

Debt Collection Puts on a Suit

As consumer loans hit an all-time high, the industry gets more sophisticated. That means that debt elimination skills must are even more important

House of Cards: Why home prices are about to plummet--and take the recovery with them.

Geopolitical struggle between the US / UK and the rest of the world is weakening the US Dollar and portends devaluation and depression soon. Get gold and silver.

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Commonwealth Bank Australia CODE OF PRACTISE

CODE OF PRACTICE

We regard you, our customers, as our most valued asset. As a result the Commonwealth Bank of Australia (A.C.N. 123 123 124) is committed to maintaining the highest standards of ethical conduct and good banking practice’ and will strive:

TO BE FAIR

1 to be honest, accurate and professional in our dealings with you:

2 to treat you equitably and not to discriminate unlawfully on the basis of race, colour, religion, national origin, disability, sex, marital status or age; (It is not unlawful discrimination to make an inquiry about a person’s age or income source in order to determine credit worthiness and capacity to take on a financial commitment.)

3 to ensure that our written terms and conditions make clear your responsibilities in relation to each product or service.

4 to treat any loan application on its merits and acknowledge the full extent of your consumer rights;

5 to require any employee of the Commonwealth Bank Group and any agent used for the purposes of collecting debts, to treat you fairly and ethically in every respect;

6 to observe carefully any law of Parliament or guideline of the banking industry:

TO INFORM

7 to offer you sufficient information to enable you to choose which product or service best meets your needs, including information about:

* how the product works,
* details of charges and interest, and
* terms and conditions which may apply (including whether the terms and conditions may be varied, how we shall tell you of any variation: and how much notice we shall give);

8 to make information available to you as early as possible and before you commit yourself to using a product or incurring any liability;

9 to present information in plain English in a way which allows you to compare a product with other products offered by us and also, as far as possible, by other institutions

10 not to impose on you any condition which:

* is unclear in its meaning or effect, protection of our interests. (A term in a contract may be necessary to protect the Bank’s interest even though it is inserted to cover an unusual situation.);

11 to keep you informed of changes to terms and conditions applicable to your dealings with us;

14 to obtain only that information which is necessary to conduct business, by lawful and fair means and to tell you why we need the information if you ask us;

15 to protect your right to privacy by not selling mailing lists to other organisations and by giving you the opportunity to remove your name from lists which might be used by us;

16 to adopt appropriate technology and stringent procedures to protect the security and confidentiality of your interests;

TO PROVIDE CHOICE

12 to give you reasonable access to our banking services on normal commercial terms and allow you to choose freely and independently from our product range. (We shall tell you when products do not stand alone);

TO PROTECT PRIVACY

13 to observe the bankers’ duty of confidentiality and not disclose information concerning your affairs without your consent, unless strictly in accordance with the exceptions

TO RESPOND TO COMPLAINT

17 to provide you with easy access to a complaint handling procedure that ensures efficiency, fairness and unbiased attention, no matter the monetary amount involved;

18 to pay proper compensation speedily for any loss for which we are liable.

Because consumer expectations and and banking practices change, the Code will be reviewed and amended from time to time.

COMMONWEALTH BANK

Bank of Australia Commonwealth

A.C.N. 123 123 124

Australia’s leading bank.

IF ONLY COMMONWEALTH BANK AUSTRALIA STAFF AND LAWYERS HAD ABIDED BY THEIR OWN CODE OF PRACTICE

The following is a list of C.B.A. directors from ASIC 24–01-04

JOHN THEODORE RALPH, 5 HILL ST, TOORAK, VIC 4142.

NORMAN ROSS ADLER, 11TH AVENUE, MENINDIE, SA 5081

BARBARA KAY WARD, 57 YORK ROAD, QUEENS PARK, NSW 2022

FRANCIS JOSEPH SWAN, 58 OLD WARRANDYTE, ROAD DONVALE, VIC, 3111

REGINALD JOHN CLAIRS, 40 RITCHIE ROAD, PALLARA, QLD, 4110

DAVID VICTOR MURRAY, LVL 2, 48 MARTIN PLACE, SYDNEY, NSW, 2000

ANTHONY BOWEN DANIELS, UNIT 49, 93 ELIZABETH BAY ROAD, ELIZABETH BAY, NSW 2011

FERGUS DENIS RYAN, 6 CAPRICE COURT, TEMPLESTONE, VIC, 3106

COLIN ROBERT GALBRAITH, 266 DUNKS ROAD, MIDDLE PARK, VIC, 3206

WARWICK GORDON KENT, UNIT 11, 10 KINGS PARK AVE, CRAWLEY, WA, 6009

SARAH CAROLYN HAILES KAY, 34 HOWES CRESCENT, SOUTH MELBOURNE VIC, 3205

JOHN MICHEAL SCHUBERT, UNIT 1702, HIGHGATE, 127 KENT ST., SYDNEY, NSW, 2000

SECRETARYS

JOHN DAMIEN HATTON, 31 BARCOO ISLAND, SYLVANIA WATERS, NSW, 2224

HENRY JOHN BROEKHUIJSE, 61 CHELTENHAM ROAD, CHELTENHAM, NSW, 2119

The following are part of the 17 volumes to the Banking Inquiry which can be inspected at the National Library in Canberra and are authorised for publication by the Banking Inquiry with supplementary submissions which I believe are relevant to our case and others; some of my letters have not been released;

AUSTRALIAN BANKERS ASSOCIATION, pages S1 to S206,

EXECUTIVE SUMMARY pages S209 to S309,

THE COMMONWEALTH BANK OF AUSTRALIA’S SUBMISSION pages S311 - S386,

S.E.I. JOHNSON pages S549 to S561,

Dr. J.W.C. CUMES pages S563 to S613

IAN R. HARIER UNIVERSITY of MELBOURNE pages S616 to S659,

JOHN J. MAHONEY EMERITUS PROFESSOR OF MATHEMATICS UNIVERSITY OF WESTERN AUSTRALIA pages S733 to S736,

FELICITY GRACE UNIVERSITY of QUEENSLAND pages S747 to S748,

CENCAS Pty. Ltd. pages S753 toS763,

GREG BARRETT UNIVERSITY of CANBERRA S767 to S775,

THE DEPARTMENT of PRIMARY INDUSTRY and ENERGY pages S777 to S780,

SENATOR PAUL McLEAN pages S749 to S751,

THE AUSTRALIAN FINANCIAL CENTRE COMMITTEE pages S811 to S816,

THE UNIVERSITY OF CANBERRA pages S817 to S831,

THE MERCHANT BANKERS ASSOCIATION pages S781 to 799,

THE TRADE PRACTICES COMMISSION pages S847 TO S873,

THE RESERVE BANK OF AUSTRALIA pages S1119 to S1165,

THE FINANCIAL COUNSELLORS RESOURCE PROJECT pages S1167 to S1178

THE BANKING INDUSTRY OMBUDSMAN pages S1279 to 1291,

THE COMMONWEALTH BANK OFFICERS ASSOCIATION pages S1293 to S1340,

THE PUBLIC SECTOR RESEARCH CENTRE UNIVERSITY OF NEW SOUTH WALES pages S1342 to S1434,

J. R. Mc LENNAN pages S1343 to S1373,

THE AUSTRALIAN FEDERATION of CONSUMER ORGANISATIONS AUSTRALIAN CONSUMER ASSOCIATION AUSTRALIAN FINANCIAL COUNSELLING & CREDIT REFORM ASSOCIATION pages S1586to S1650,

THE AUSTRALIAN MERCHANT BANKERS ASSOCIATION pages S1669to 1674, THE TRADE PRACTICES COMMISSION pages s1689TO s1697,

THE ATTORNEY GENERALS DEPARTMENT pages S1715 toS1742,

THE NATIONAL FARMERS FEDERATION pages S1889 toS1901,

ANOP RESEARCH SERVICES PTY. LTD pages S1902 to S1927,

J. R. Mc LENNAN pages S1929 to S1932,

PROFESSOR T. J. VALENTINE PROFESSOR of FINANCE UNIVERSITY of TECHNOLOGY SYDNEY pages S1943 to S1961

RIGG letter pages S1965 to S1987,

RIGG letter pages S1989 to S1991,

CHARLES SPICE S2003 to S2005,Mr. and Mrs. J. HOST pages S2007 to S2009, INSPECTORATE PTY. LTD pages S2073 toS2086,

COSIMO FOTI F.T.I.A. pages S2087 to S2088,

THE AUSTRALIAN MERCHANT BANKERS ASSOCIATION pages S2101 to S2102, GRAHAM PARTINGTON ASSOCIATE PROFESSOR HEAD of FINANCE SCHOOL of FINANCE and ECONOMICS UTS pages S2179 to S2186,

J. C. TAYLOR AUDITOR GENERAL pages S2201 to S2240,

WILLIAM R. CROWE pages S2327 to S2330,

G. J. SHEPPARD & Co BARRISTERS & SOLICITORS pages S2344 to S2353,

J. G. & E. A. SMITH pages s2355 to S2370,

M. B. PORTER pages S2371 to S2377, DEREK E. SOUTH pages S2380 to S2383, THE COMMONWEALTH BANK OF AUSTRALIA pages S2491 to 2701,

THE AUSTRALIAN BANKERS ASSOCIATION pages S2771 to S2797,

THE COMMONWEALTH BANK pages S2799 to S2804,

THE RESERVE BANK OF AUSTRALIA pages S2863 to S2920,

THE COMMISSIONER OF TAXATION pages S2947 to S2968,

COUNCIL OF SMALL BUSINESS ORGANISATION OF AUSTRALIA Ltd. pages S2969 to S2989,

DENIS COLLINS INDEPENDENT MEMBER FOR GREATOREX pages S2990 to S3001,

THE TREASURY pages S3003 to S3034,

BERNIE MADIGAN pages S3045 to S3074,

J.G. WILKIN pages S3075 to S3095,

THE UNITED FARMERS and STOCK OWNERS of SOUTH AUSTRALIA INCORPORATED pages S3111 to S3118,

PUBLIC INTEREST ADVOCACY CENTRE pages S3119 toS3127,

CENTRE for INTERNATIONAL and COMMUNICATION and INFORMATION TECHNOLOGIES pages S3128 to S3132,

Mr. J. A. SALMON pages S3133 to S3194,

PAT BOYD pages S3459 toS3461,

SHIRLEY LYNETTE WALSH pages S3463 to S3473,

NOEL and LOIS EDLINGTON pages S3474 to S3475,

D.N. and B.L. BENSON page S3841,

BANK WATCH pages S3903 to S3904

STAN ALIPRANDI pages S3905 to S3927,

Dr. NEIL RUNCIE THE AUSTRALIAN ECONOMISTS ADVISORY GROUP pages S3929 to S3946

INSURANCE and SUPERANUATION FUND page S3947,

DONALD EVANS BARRISTER and SOLICITOR pages S4037 to S4063,

AUSTRALIAN SOCIETY of CHARTERED ACCOUNTANTS page S4065,

GOLDSMITHS SOLICITORS pages S4085 to S4096,

DANIEL J. KELLEHER pages S4097 to S4103

THE MERCHANT BANKERS ASSOCIATION pages S4297 to S4298,

THE AUSTRALIAN BANKERS ASSOCIATION pages S4157 to S4161,

THE CASH TRANSACTION AGENCY pages S4353 to S4371,

JOHN S. WHALEN pages S4373 to S4406

THE AUSTRALIAN SECURITIES COMMISSION pages S4407 to S4461,

THE AUSTRALIAN BANKERS ASSOCIATION letter pages S4157 to S4161,

THE COMMISSIONER OF TAXATION pages S4327 tpS4339

THE TREASURY pages S4341 to S4351,

THE AUSTRALIAN BANKERS ASSOCIATION letter pages S4463 to S4500,

THE COMMONWEALTH NANK OF AUSTRALIA pages S4501 toS4511,

HOWARD HOBBS M. L. A. SHADOW MINISTER FOR LAND MANAGEMENT AND WATER RESOURCES AND MEMBER FOR WARREGO pages S4673 to S4677,

THE ATTORNEY GENERALS DEPARTMENT OFFICE OF GENERAL COUNCIL pages S4757 to S4772,

COMMONWEALTH BANK OF AUSTRALIA LETTER pages S4775 to S4785.

A.T. Rigg

ANTHONY THOMAS RIGG
A.T. Rigg
41 Isa Road,
Worrigee NSW 2540
Australia
ph. 02 44215782
mob. 0402 051059

Is there any law firm that is prepared to start private criminal prosecution of all bank staff, lawyers, receivers and others on this case?

Tony Rigg 1 - 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 10

History of Banking Fraud: The Coming Battle By M. W. WALBERT

The Coming Battle documents from Congressional records, newspaper reports and writings by the founding fathers and others a chronology of events long forgotten that shaped our fledgling nation from 1776 to 1899. Read about the manipulation of our money and its supply, the intentional creation of recessions, depressions and panics, manipulation of the stock markets, and the demonetization of silver.

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Eustace Mullins' carefully researched and documented treatise picks up from Walbert's expose' and brings it to the mid 1980's

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Bank Fraud in Australia - Tony Rigg vs. Commonwealth Bank of Australia - 6
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