Jones Letter to CBA Noting its Hypocrisy concerning Dwyer

Fraudulent Bank Practices in Australia have been a window into the unethical, immoral and unlawful practices of all banks around the world connected to the IMF and central banks established under the direction of the Money Powers. Bank Fraud is the foundation of tyranny and debt elimination Soar Home with REAL Debt Elimination. Eliminate credit card debt and accelerate mortgage pay-off.

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As tragic and unjust as bank fraud is and the number of people who have suffered at the hands of corrupt banking institutions and a corrupt government, the stakes are still higher and will affect even more Australians causing even more suffering. The bank frauds that have been an endemic plague for nearly a generation or more have been directed at small businesses and family farmers so that corporations and the corporate state can obtain total control of the people. Too many family farmers would make difficult the corporatization of the food and fiber industry. Before the Australian government can take control of water. food and fiber they must whittle down the number of privately held farms and businesses. Bank Fraud has been their weapon of choice against free enterprise and freedom. Tested on Australians, the project can be readily expanded to the rest of the world."

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Table of Contents

Bank Fraud Exposed - Money out of YOUR Pocket!

Banking Inquiry Speech by Senator John Williams in the Australian Federal Senate

Paul McLean is Back to Expose Bank Fraud

Bank Fraud in Australia is Systemic - part 2 - part 3

The Foreign Currency Loan Experience in 1980s Australia: Dwyer v Commonwealth Bank of Australia -  2 - 3 - 4 - 5

The Quade Appeal on Decision vs CBA - 2 - 3 - 4 - 5 - 6 - 7

Jones Letter to CBA Noting Hypocrisy concerning Dwyer

Paul McLean is Back to Expose Bank Fraud

Crucifixion and Resurrection

WestPac Letter Warning of Foreign Currency Loan Risks

Clive Alexander Affidavit about Fraudulent Practices by Westpac Bank

Here Is How ANZ Handled the Withholding Tax Issue

ANZ Bommakanti to Ries

Bank Fraud in Australia Is a Step Toward Controlling the Economy and the People

Bank Fraud in Australia Is Systemic and Affects All Australians

The Banks and Small Business Borrowers: case studies of adversity - by Evan Jones

1  - Introduction
2 - Goonans
3 - Paul Buckman
4 - The Walter family
5 - The McMinns
6 - Lynton Freeman
7 - Ross Delahunty
8 - Keith Smith
9 - The Somersets
10-Conclusion

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

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

Final Warning: A History of the New World Order

Banks Behaving Badly

When the Bankers became Con-men

NABbed - an overcharging scandal involving the biggest Australian bank

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.

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.

Kind regards,
Patricia Poulos

You Can't Have Your Freedom for Free!

Bailout for the People! A Bailout for You! Here's MY Bailout!

Citizens Economic Stimulus Plan - Stop Paying Credit Card Debt!

They Did It On Purpose! The Housing Bubble and Crash were Engineered by the US Government, Federal Reserve and Wall Street

Political Leaders and Pundits Are Clueless About Bailout Rejection

Mortgage Fraud -- The Paulson Bail-Out Plan

The Great Depression of the 21st Century: Collapse of the Real Economy

Paulson's Blunders as Debt Securitization Market Remains Frozen

The Corrupt Origins of Central Banking

Obama Chief of Staff Rahm Emanuel Tops Recipients of Wall Street Money

Global Economic Criminals - 2 - 3

Zionists Subjugate Our Nations by Controlling Our Political Parties

Choosing Evil – Are Elections the Great American Illusion?

Inverted Totalitarianism US Politics & Government 

Brave New World 2008- Loving Your Servitude

Federal judge tells trust to show clear mortgage documentation in foreclosures

Errors in loan documents can save strapped homeowners

Woman Tried to Prevent the Financial Mess Silenced by Greenspan, Rubin, Summers

Politicians, lobbyists shielded financiers - Lack of liability laws fueled firms' avarice - 1

Mortgage system crumbled while regulators jousted - 2

Bailout in the Public Interest Should Not Reward Profiteers

Pork and Toy Arrows: the Bailout Bill of 2008

Bailout by Stealth

Naked Short Selling and Phantom Stock by Criminals in the Financial Markets

Money and Votes in Last Debate Over Bank Deregulation

Panic Consolidate Game Over but Not for Gold and Silver

The Inevitable End of the Central Banking and Political Money Regime

Fraud in Global Economy: The Law of Supply and Demand Is Dead for Gold and Silver

Hedge Funds, Naked Short Selling, Phantom Stocks and Stock Market Collapse- 2 - 3 - 4 - 5 - 6 - 7 - 8 - 9 - 10 - 11 - 12- 13 - 14 - 15 - 16 - 17

The Coming Collapse of the Modern Banking System:  Staring Into the Abyss

Economic Collapse of 2008 An Inside Job - 2

Behind the Stock Market Illusion is Government Collusion

The Slide, the slide, the long coming sliiiiiiiiiiiiiiiiiiiiiiiiiiiiiiide

The Condition of the Dollar

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

Confronting the Illegal Money System

The Federal Reserve Dollar is Private Money Derived from Private Credit

Billions for Bankers - Debts for the People - 2 - 3 - 4 - 5 - 6

Real Story of Money is Global Control

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A New Beginning: A Practical Course in Miracles
1  INTRODUCTION
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

THE UNIVERSITY OF SYDNEY
Political Economy
Faculty of Economics & Business
Merewether
Building
NSW 2006
AUSTRALIA

B R Watson
Manager, Credit Management
Commonwealth Bank of Australia
GPO Box 4170
Sydney 2001

30 April 2007

Dear Mr. Watson

There has been recent correspondence between the Commonwealth Bank and a sometime customer, Mr Geoffrey Dwyer.  In particular, a letter under your name dated 3 April has been sent to Geoff Dwyer, which Dwyer has passed on to me as an interested party.

I feel obliged to comment on the sentence ‘You are aware that the allegations raised in your letters were heard and dealt with in the Supreme Court of New South Wales and the Court of Appeal.’

Before the Dwyer v Commonwealth Bank of Australia affair (and the entire foreign currency loan saga) disappears into history, it is important to outline some truths for the benefit of your ill-informed generation. 

In the wholly novel environment thrown up by financial deregulation, with threatened enhanced competition and an official restraint on lending quantum from domestic sources, the CBA threw itself into the aggressive marketing of foreign currency loans to the financially unsophisticated small business sector.  The CBA, along with Westpac and the ANZ (the NAB’s then CEO recognising immediately the built-in potential for disaster), jumped in at the deep end without the requisite knowledge, personnel skills, or facilities. 

The madness of this venture is encapsulated in a minute (dated 17 January 1986) by Westpac executive F. A. Ward, General Manager Credit Policy & Control, in which he comments on a report on the situation: ‘This document encapsulates the whole dilemma with this product, it was the only product marketed within the Banking system where neither the Bank nor the borrower had control over the principal.’  Madness indeed.

Rather than show remorse and accountability for its culpability in the debacle, the Bank, under the supervision of in-house counsel Les Taylor, instigated a strategy to have responsibility placed entirely on the hapless borrowers’ shoulders.  The culpability of the Bank is transparent in the ‘leave to appeal’ judgment in the full Federal Court re Quade v CBA ( N G734 1989).  This judgment is compulsory reading for the whole saga (as is Thannhauser v Westpac, Q G29 1989).  In Quade the implications of the ‘G’ documents that the Bank declined to discover were laid out by Justices Burchett and Einfeld (some of the minute handful of presiding judges to have actually performed their job and read bank-discovered documents in foreign currency litigation).  There the Bank (and by implication its counsel Sackar) is subject to sober but systematic condemnation.  Absence of requisite skills, absence of necessary facilities, preference for self-interest and thus absence of accountability – all are transparent in Bank staff’s own words. 

John Sackar QCA mere several months later and the Bank is back in court re Dwyer, and its strategy through its attack dog Sackar (the legal profession lacks the ethical equivalent of the Hippocratic Oath) is to ignore completely the condemnation handed down in Quade and its implications. 

My extended Working Paper on the Dwyer case (December 2005), to which you have been privy, dissects forensically the Dwyer v CBA litigation.  The ‘allegations’ raised in Dwyer’s correspondence with the Bank merely reproduce the salient features of the G documents and which are confirmed in Quade.  Dwyer’s ‘allegations’ state the facts.  These matters are systematically excluded from the Dwyer court cases.  The essence of the strategy of the Bank (as with all other FCL cases), through Sackar, was to place entire responsibility on Dwyer for the tragedy to which he and his family were subsequently exposed.  The indifferent Acting Judge produced an off-the-cuff judgment that appears to have been essentially based on the notes handed up to the bench by the Bank after the conclusion of the hearing.  The Dwyer judgment was a joke and a disgrace.  The Appeal judges restricted themselves to technicalities, the narrow parameters having already been set in the Trial Court. 

Einfeld J, in Quade, also brings in the matter of trust.  The credit instrument places the small-scale borrower, in a dependent relationship with the lender.  The structural subordination is encased in the wording of the securities.  The asymmetric power that the lender acquires is presumed to be constrained by the professional integrity of the staff and the reputation of the institution itself.  As for Quade, so for Dwyer.  The Bank leveraged its reputation in building its foreign currency loan portfolio in this transparently dangerous arena.  In the process of the instrument’s development and of its denouement, the staff debauched their integrity and abused the Bank’s reputation (the ‘People’s Bank’). 

The passage of time has brought a new generation to the Bank’s senior management.  I would have hoped that the new guard would have thought it appropriate to clean out the closet and effect a reconciliation for past sins.  Not so.  The new guard at the other banks have adopted the same pose.  Business ethics, it appears, remains an oxymoron in the Australian finance sector.

Yours Sincerely

(Dr) Evan Jones

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REAL Freedom Library

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.

Secrets of the Federal Reserve by Eustace Mullins

Eustace Mullins' carefully researched and documented treatise picks up from Walbert's expose' of control of the money supply and the economy and brings it to the mid 1980's.

 The World Order by Eustace Mullins

How control of the world's money has inexorably led to an ever tighter grip on control of the world's people.

Brave New World by Aldous Huxley

Huxley presents a dystopic view of a future in which mind-control creates a harmonized society stratified into classes suitably manipulated and deprived to carry out work tasks with a hive mentality. A foreign element is inserted when a high ranking Alpha brings a Native American from a Reservation and a new perspective on freedom gnaws at the fabric of the propaganda matrix.

Propaganda by Edward Bernays

Walter Lippmann's book, Public Opinion, published in 1922, detailed the study in which he and Edward Bernays were involved while in London during the First World War. It had to do with painting pictures inside people's heads, which were cunningly and deliberately designed by expert craftsmen to mislead not only individuals but entire societies.

Pawns in the Game by William Guy Carr

This is the classic expose' of the New World Order from a Commander in the Canadian Navy through the first half of the 20th Century. Commander Carr was introduced to the Hidden Hand early in his life and pursuing its mysteries became a lifelong mission.

Social Credit by CH Douglas

In every country of the world the global financial system has repeatedly been brought to the Bar of Public Opinion as the chief factor in world unrest, and there is little doubt that the jury of We the People has confirmed the Verdict somewhat rhetorically expressed by Mr. William Jennings Bryan in his famous election speech: "The money power preys upon the nation in times of peace, and conspires against it in times of adversity. It is more despotic than monarchy, more insolent than autocracy, more selfish than bureaucracy. It denounces, as public enemies, all who question its methods, or throw light upon its crimes. It can only be overthrown by the awakened conscience of the nation." Social Credit by C.H. Douglas can clarify the issues from which we can move forward to create a financial system that is fair and equitable.

Final Warning: A History of the New World Order by by David Allen Rivera

David Allen Rivera has assembled a very carefully written history that can serve us well. To have been ignored in the history books, by the colleges and universities, the print and electronic media, and the entire national and international discussion shows their power to control the flow of information as much as they control the flow of money. What they intend to do with this power and influence should be one of the most vital topics of conversation.

An Independent Investigation of 9-11 and its Zionist Connection by Dr. Albert Pastore

History provides patterns that we can learn to recognize so that we can avoid them.  Properly presented, history provides any of us with invaluable tools to help us see behind the illusions.  No one who is paying attention to the patterns and their application to today's events would fail to miss the signals or the dog that fails to bark.

Uranium Wars by Leuren Moret

How control of the world's people has inexorably led to wider use of depopulation methods which include spreading radioactivity in food, water, air, and the human genome.

Taking Back Your Power by Allen Aslan Heart

WHAT CAN YOU DO? Stop playing THEIR game. Take back your power. Stop paying taxes that are not legal or lawful. Stop paying bills you don't really owe. Debt Elimination! Stop using THEIR money. There ARE ways if you open your mind and look for the gaps in their fences that keep the sheeple in their pasture. Are you chattel or a real person? You are the one who makes that choice.

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Debt Collection Puts on a Suit

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Bad Debt Expense and Allowance for Bad Debt
Bailout for the People! A Bailout for You!
Bankruptcy Questions and Answers  
Citizens Economic Stimulus Plan - Stop Paying Credit Card Debt
Dealing  with Debt Collection  
Debt Elimination Cease and Desist Communications Letter
Debt Elimination Identity Redemption Information Pack
Debt Elimination: Title 31 U.S.C. 9304-9308
Debtors Rights in Dealing with Debt Collectors
Discharge Almost Any Debt with Proper Use of the UCC
Eliminate Credit Card Debt by Novation
Free Credit Repair Consultation
Get Debt Collectors Out of Your Life!
 
How I Clobbered Every Bureaucratic Cash Confiscatory Agency Known to Man
Judgment against Bill Collector Violating FDCPA
National Arbitration Forum’s Wall of Secrecy Begins to Crumble
Pretexting: Your Personal Information Revealed
Signature Without Liability
Statute of Limitations for Debts, Judgments and Taxes
Sui Juris: The Truth in the Record
Supremacy Clause Article. VI and Federal Preemption
Using Restrictive Endorsements to Settle Debts
 
Using the Fair Debt Collection Practices Act Against Collectors
Vacating a Judgment in Debt Elimination
Wolpoff & Abramson Legal Defense
Your Right to Validation of Debts

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