Sidney Margaret and Terrence Roger MyttonWatson

TO: PARLIAMENTARIANS CONSIDERING A ROYAL COMMISSION INTO BANKING FRAUD

Dear Members of Parliament,

We are writing to you to share our horror story of our experience with Commonwealth and Suncorp Bank. This also encompasses the total ignorance of the Australian Government. to the plight of thousands of Australians caught in the Australian Banking scandal.

Our story begins in 1983 and will outline the Terms of Reference at the end of this document to which we wish the Parliament to address their enquiries . We feel that CORPORATe CEO’s have been given SUFFIICIENT air to justify their actions long enough. All we, the Members of the Australian Public feel is that we have been mocked long enough by the various CEO’s of the at the expense of the Australian taxpayer long enough. From watching the scant television programs on the Interviews by the panel of the CEOS’s of the banks, we have heard their lies and justification of their actions with no ability of response to counter their claims.

1983-2006 We were a very content family mother and father and family of four children living in our nearly fully paid out family home of 30 years. We built the home in 1984 and built it with our own hands. I (Sidney) was carrying our first born child ( ). It was a small, wooden kit home which we ordered from a Bisley Kit Homes catalogue for $17,000. We had bought the block that the home was built on to with savings which we had saved years for. It was a gift from God Himself and we were overjoyed at finding our new home to raise a new family in. We built it ourselves, with two carpenters to assist and managed to erect the frames ourselves. This loan was with the NAB , National Bank , It had assured us that the loan would begin at Lock up stage and not until we had notified the bank that we were satisfied with the supply of materials. Well, this was the beginning of our experience of what the banks’ conglomerate would do to our family in 30years from the original build. We notified the NAB that we were NOT satisfied with the supply of the Materials and in actual fact the builders BIZLEY HOMEs had not supplied HALF OF the timbers as per instructed. Despite our telling NAB we were not happy, the NAB had paid out the BIZLEY Homes to the full amount of the loan, $17,000.00,. The end result was we had only ¾ of the materials and had only a ¾ built home. This was our first experience of the fraud that we were to find would be multiplied 10,000 times over in 2015. Bisley Homes had declared bankruptcy in 1984, with no apology from the NAB for their malfiance in practice. This incident was in the pastT AND WE ARE NOT REFERRING TO IT IN THIS MATTER ,other than you have an example of NAB’s track history.

We educated ourselves sufficiently to not trust banks and made sure that we did not borrow money again until a meeting with a broker at a business meeting in 2005 , The Business group,‘BNI’, swept open the doors to a parliance with him in a special offer that he offered to us, because we fitted the ’ criteriaof the banks’ and we qualified for a loan to invest in property to prepare ourselves for retirement. Up until we met this broker of the bank, Commonwealth, we had nearly paid off our simple home. A home that still never had a kitchen installed in to it, because of the fraud of the NAB bank back in 1983-4 and the subsequent bankruptcy of Bisley Homes 1983.. We actually did own it outright around 1989.

We have been diligent farmers and saved every penny we earned and kept the savings and paid cash for everything for years. We chose to pay cash and not to borrow any money again, due to the treatment of the first bank, NAB. We thought that this was the way every person conducted their affairs, in Australia. We paid every bill from our savings as we set ourselves up as a business and ran this for many years from woodturning sales and selling our products at the local markets, this was all run with the proper tax being done every year and we grew our business until we had established a Printing business in the hills of Perth. IN 1991, Sidney had to suddenly look after her aged father . We had no assistance, as Sidney was unaware there was any available. This caused extreme stress for the family of young children. Her father died in 2005. It was after his death that we then had to settle the house and bought the house off the fanily . AS there was no inheritance we paid for the property by getting a loan from Macquarrie bank.

Thus began the nightmare of our taking on a self proclaimed inheritance for the family. We ‘ knew ‘that there was something ‘not quite right ‘with this loan within a year but, all of this was never investigated nor did we consider that this loan might be a ‘problem loan’ which we would see eventuate in another two investment properties in the next two years. All that we knew was, there were things ‘wrong’ with the loan from MacQuarrie Bank and it was out of our reach to fathom what the problem was. That loan was taken out in 2006 to purchase my father’s home . We sold it in 2009 and I do believe that was the beginning of our nightmare of he doctored ‘low doc ’ loans which we had no knowledge of. We were ex farmers who ‘trusted’ people. We took people at their word and this is the world that we come from. We took out the loan which was in 2006 and had to clear ourselves of the assumed ‘mistake’ that we had made. WE did not know that there was a sinister game that we had somehow got ourselves entangled with. The GFC was in full swing and I knew that by 2008 we could be in serious trouble. I kept a close handle on money and made sure that we made every payment, as by this time, we had three loans which I had specifically told the broker for the had to be kept clear of any connection with our HOME. He assured me that our home would not be affected. This was a blatant lie.

We had tenants in each home while we lived in the house next door to one of the properties. Sidney managed the accounts and found that there was a problem in the handling of the payments on the first house mortage payments very early in the repayments. This is now traced back to the original paperwork which the Broker did not handle in a professional manner. The broker never sent the loan application form which he had said he would do. This was not ever received until 2012, six YEARS AFTER WE WERE TOLD IT WOULD BE IN THE MAIL.!

After spending the first year managing the first property next door to us and coming to the conclusion that the house could not realise a normal rental we decided to turn the house next door into a short term holiday home. This realised the ability to be able to make the mortgage payments, with better ease and we found that we could operate the business with greater ability to make payments.. Sidney, managed the running of the holiday stay with ease and actually enjoyed the challenge, so it seemed to solve the problem as to why we had excessive repayment levels which were never accounted for and nobody was forthcoming to explain to us. By the end of 2007, we had made the purchase of a third house which we were able to handle with tenants arriving . We had reasonable tenants and again this property was able to be managed in which the rental paid for the mortgage. WE kept each property positive geared to avoid any reperussions ahead.

The GFC and the world was moving so fast and out of control. WE were not trained for the legal world that we were now facing. Roger and Sidney had trained as Counsellors with Roger achieving a Bachelors in Counselling with Sidney achieving a Bachelors and Masters in Counselling and a Workplace Training and Assessment,certificate IV in 2004. In 2005 they had a established a counseling practice working at home .Sidney and ROger were not fools and educated to a level to watch for lies and inaccuracy .The world they now faced was a quick training ground on how to take on the Massive Bull at the gate of their home and fight for their home and try to keep the ground for the inheritance which was their home and their children’s home. This home was the children’s inherent right. They had worked on the properties, doing painting,, land scaping, learning trades to bring the properties to a standard suited to rentals. They have learnt skills which they now use in their own businesses since they have lost their only home in 2013.

The children were clearly of the understanding that whatever they worked on with the family property and now the rentals, would be counted as toward their own future. This is normal for families of the land. There was never any adverse dialogue but an understanding that it was our intention that the descendents in the family would inherit the property, so the children happily spent their time doing the necessary improvements to make the property that we had purchased for investments. as pleasant homes for tenants to reside in. We only wanted the best for families.

Sidney handled the mortgage repayments, She made sure to her utmost deliberation, that each mortgage payment was made precisely ON TIME. Which is why she was persistent in asking why the repayments were excessively high on the recent purchase of the house next door. Despite enquiries to the broker and his shrugging of his shoulders, in disinterest, she continued in making the repayments ON TIME for EACH mortgage. Please be reminded that she was very alert to the importance of this. Our budget only allowed for us to consider asking for a loan maximum to purchase a property up to $300,000. WE put down the deposit of $70,000 . WE never defaulted, despite the accusations fromCommonwealth Bank and now Suncorp.

To our utmost shock, when we did receive the Loan application forms ( LAF), SIX years LATER, The LAf revealed extraordinary LOAN amounts to the amount of $100,000 for a holiday! In the same LAF was revealed we were given anoyjer loan amount of $54,000 for a boat! None of these things were purchased and neither of them were asked for. This suddenly explained to us why the repayments were in excess of the agreed amount that we had signed for.

This was the first time that we saw these documents, (2011) in fact, the documents sent by the Commonwealth bank came after much harassing to FOS six years after we purchased the investment property . The documents were more than the three pages which we had first only seen when the broker first came with the papers to our house . He arrived with three papers, not the 27 pages which arrived in the mail from the Commonwealth Bank, as requested by FOS. AT the initial meeting I queried the broker as to why we were being offered a application NOT a home loan to purchase the house next door, HE JUST REPLIED, THAT IS HOW THE BANK DOES IT, DON’T WORRY ABOUT IT. MY GOD, THIS WAS THE FIRST WARNING THAT THERE WAS SOMETHING ILLEGAL GOING ON. WE MISSED THE CUE.

It was not discovered until 6 years later, when we had our loan application forms sent to us after demanding them from FOS. That we discovered the horror of our captivity. We were trapped into a clever warp of lies and manipulation. We had no friends either side of the trap. FAMILY was doubting our truth in the matter. IN 2011, now with Sidney becoming extremely ill and needing specialist treatment with a still undiagnosed illness, we could only put down to stress and not professionally diagnosed for another 5 years, we continued with the now mounting paperwork of letters saying that we were in default. This was a shock, because she was adamant that she kept all the payments to date. We had to demand FOS to act in our best interests, despite their reluctance to help in any way. Commonwealth Bank had refused, for 4 years, to send the LAF to us depite numerous requests. They had clearly breached the Credit and Consumer credit Acts by never sending us any evidence of our loans, despite the numerous requests.

It was upon opening the Loan application form now, referred to as the LAF, that we discovered the most horrific game that we had been rued into. That of bank fraud. We noted signatures which were not ours, We could not obtain original copies of our contracts, they has been destroyed by the digitalization of the documents by the bank.s, Commonwealth and Suncorp. We contacted Ms Denise Brierley of the BFCSA and at that point we began to find out the depth of the fraud we only suspected, but knew by the scent OF THE ROTTING FLESH of the decomposing family home.

We had purchased two properties between 2007 and 2008 which was when we were unware of the GFC raging across the USA. I believe that Australia was gagged by the government of the day, so we the Australian Public were desensitized as to any serious imminent global financial crisis, GFC. The first I began to realise that something serious was happening was when the phone stopped ringing for businesss and buyers for second hand goods we had reclaimed and had for sale to help toward the payments of the mortgages disappeared. We were in total oblivion about the depth of the GFC until 2009, and that was when I KNEW IT WAS GOING TO BE VERY DIFICULT TO GET OUT of the snare of the trap. Sidney became ill with stress and severe illness, trying to fathom what was going on. The confusions just unfolded every aspect of our futile attempts to find a way out of the excessive repayments which we calculated to be OVER $1,500 /month…. $1,500 MORE than we had agreed upon between My husband and myself AND THE BROKER. WE NEVER received the ‘quote’ from the bank, which we were promised by the broker. WE were flung into the purchase of the house next door to us, with narry a phone call from the bank to assess if we were able to pay the mortgage. Had we received a phonecall to tell us the repayments were going to be well over what we had calculated, WE WOULD HAVE STOPPED THE CONTRACT. We were totally oblivious to the DEECPTION WE WERE NOW UNDER. We received NO information which we were told we would receive.

We decided to sell one of the properties, so I rang he broker, who unbeknown to us was the enemy in the camp, In 2011, Sidney rang the broker for the bank, to say we wished to sell the property. His reply shocked me ‘the bank won’t allow the sale”. I wondered why not?

If he was a supposed Independent broker as he had introduced himself as when we first met why did he seem to expound personal knowledge of the bank’s knowledge of our affairs? IF HE WASN’T WORKING FOR THE COMMONWEALTH BANK who was he working for??. I WAS IMMEDIATELY ARROUSED AND MY SUSPICIONs BEGAN . TO gain ground as to the deception we were under. I began to suspect foul play when he rang me back within a day and said that the Commonwealth Bank, would be able to join the other property, purchased in 2007 with Suncorp bank, so we could have all the properties amalgamated .

I was stunned. The broker told me that he had spoken to the bank on such terms. I had told him at the beginning of the relationship as broker to us that the properties were to be kept separated to avoid any such entanglements. I became worried about the trust of this broker. So I said ‘no.’.

How did the bank assume it could control another loan mortagage unless they had control OF SUNCORP BANK as well? THE BROKER HAD NOT INFORMED ME THAT COMMONWEALTH BANK HAD CONTROL OVER SUNCORP BANK.

Amid our mass of confusion as to why we were receiving letters of default from now the Commonwealth bank and Suncorp Metcorp BAnk. I KNEW that we were NOT in default, there was something going on of which we had no control. WE stopped making payments to the Suncorp bank and Commonwealth bank in about 2011 when I knew that there was an illigal manipulation in the working of the banks taking place. I have been an avid watcher of the world economy for many years, and became aware of the real fact that money is created from thin air. It is created by the banks’ own computor systems and I have been personally involved with the details of a famer who had fought in the courts and won successfully with the Judge dismissing his case over a $7,000,000 7M property stating that there never was any money, it was created in thin air by ANZ bank. The people are fast awakening to the greatest scandal of he 20th and 21st century.

AS the fight intensified with our sons making application to the Commonwealth bank to purchase the family home, the lawyers for Commonwealth bank had a seemingly vested interest in this application and said, that they would not consider this!! This was an exact similar scenario of a family in Beverley, Western Australia ,who were trying to save their farming property from the foreclosure by the Banks, the lawyers refused to let their son purchase their farm. We assisted this couple to fight this in the courts, which they successfully did. They have been physically exhausted and could not face another court appearance which is why they have not submitted their documents to the enquiry. The lies and brutal intimidation of the banks, the lawyers have shown that hundreds of people in our situation have had mental breakdowns yet, still work on their properties, .

WE are in the fight to save the future for our young people who are hoodwinked from the truth.

This heinous crime of manipulation of monies paid out of our hard work to the banks IE: Commonwealth and Suncorp, has resulted in my husband of 40 years having a massive cerebral hemorrhage resulting in 6 hours brain surgery and permanent disability. This happened 3 weeks of being removed from our HOME OF 30 YEARS. I AM NOW HIS CARER AND AM SERIOSLY IMPINGED in MY ABILITIY TO HELP HIM as I have a disability requiring intervention

This is NOT what we ever envisaged for our retirement. I remember the broker swinging the term of ARIP to us in the speeches he regularly shared to the members of the Business Network International group at every Wednesday morning meeting, I only recently discovered what it means, ‘The Asset Rich, Income Poor.’ US. WE were set up by the banks. We were their sought after honey to keep their money traps well fed.

We have chosen to hunt the banks down to the very end,* WE have lost our business of landscaping and counsellingp** WE have lost our reputation. Our children think of us as OLD FARTS= of no intelligence, eg; we can’t mange our business ,books etc. I have two grandchildren which Sidney , their grandmother is not allowed to see, Some Psychiatrist has deemed me as unsuitable. Funny that, In the profession No psychiatrist , counselor or psychologist can make any judgements, without having the ‘Offending party present, SO I have another fight to see justice won. I have never met the psychiatrist that claims to ‘know all about me!

NO Australian government member has stood to fight for our justice. I approached Sen. Don Randall (now deceased) when we first began this fight, back in 2012 in the courts. We approached him with another gentleman who was evicted in August 2012.We took his entire family of 6 children into our home for 4 months, at the same time as we were fighting our own case in the courts. HE has lost any hope of seeking any help. Although he is registered with BFCSA he is under serious family stress and cannot go through the harassment again. He lost his wife 20 years ago and has been on his own bringing up the children now mature.,. With no help, people in our situation have massive stress and find it difficult to retain some normalcy. I have been working very closely with hundreds of families in the same situation as ourselves, that of illegal foreclosure. and they ALL TELL THE SAME STORY. AS A COUNSELLOR, I WORK WITH THEM TO DIRECT THEM TO BFCSA. NO charge. NO government agency for these families to find homes. With the black mark which we all have on our credit details, no-one wants us. Many families live in the bush, which we have also endured. AND OTHERS SIMPLY try to walk on in their own strength, I have counseled numerous people considering suicide. I have conducted long distance calls to desperate people in NSW, Queensland , Western Australia, We have turned up to their homes to lend support in such irrational situations of massive BULLYING and FRAUD by the cowards of the banking cartel, yes those of the bailiffs, sherrifs etc, which have been asked by us, the homeownersto to do their due diligence in the matter of foreclosure, to check the documents for accuracy. We have discovered that the eviction notices which we were all evicted on are Illegal. We have found out the they are not the stamped (embossed) court orders but a copy of them stamped with a red rubber stamp on copies printed by the lawyers themselves. The dates were clearly way past the official date of foreclosure. They were dated two years earlier in our case. This is how the legal profession have been clearing houses for quick sale all around Australia. ALL of this is illegal.

Our home of 30 years had been sold to known drug dealers and a known dealer of guns, of which one had been used a year previously in a murder of a drug dealer in Perth. The house was sold for $200,000 less than the house was valued at, and,for a year after it had been left empty and water damaged. What we were to discover on our other property which had also been sold was the surreptitious, possible fraud warranting a Fraud Squad intervention. I went into Landgate to find out who bought the property . I was shocked to discover that the lawyers working for the Suncorp bank had the house transferred directly to their names, and sold the house themselves. IS this a ruse of the bank ? Is the ATO aware of this trick to move property around without detection., no Parliamentary Senator or Prime minister turns up to find out what is really happening.

We the members of the Australian public, and innocent home owners, have had to do our own investigations at great cost to ourselves trying to uncover the maze of lies to help bring our massive claim to light.. I have found out that the Lenders Mortgage Insurance , LMI,, which is lodged by the bank, had false valuations and no identification of the assessor . I have discovered false and fraudulent incomes which we never disclosed to the broker at ANY TIME... I never had any assessor come to value any of our properties. Yet when I obtained the LMI, at great reluctance from ,I found assed valuations were well over valuations I was aware of. We have been chased by to pay money they claim we owe the bank! $330,000. They have since been made bankrupt. I wrote to to say ‘we would not pay on fraud ‘. Who from the Government is ready to listen to OUR SIDE OF THE STORY??

We have lost everything. MY FAMILY HAVE LOST EVERYTHING, we have lost our dreams of being able to retire with pride, instead we have been brought down to eat humble pie. We had dreams of being settled in our home and resting and being at peace with our God. But our dreams have been wounded. We had planned our retirement well, we had thought, BUT FOR THE LIES OF THE BANKING CARTEL, OUR LIVES HAVE BEEN DRAGGED TO UTTER CONEMPT. NO- ONE IN THE OUTSIDE WORLD HAS HEARD OF THIS BECAUSE OF THE SUPRESSION ORDERS Of THIS GOVERNMENT, NO_ONE KNOWS. I STAND IN BANK CUES AND I TELL EVERY TOM, DICK AND HARRY WHAT COMMONWEALTH BANK AND SUNCORP HAVE DONE TO US, EVERYONE MUST KNOW WHAT THIS GOVERNMENT HAS ALLOWED. IT IS A NATIONAL DISGRACE.

Instead, we get orders from the Prime Minister to further gag us, the ,AUStralian Public and suppress us like we are mushrooms. Is this healthy?

Is this Agenda 21,New World Order in operation globally? I suspect it is. I will finish with a Bible scripture, which is what our Government should be honouring.

Leviticus 19; 35-36. Thou shalt do no unrightous judgement… in weight or in measure..’

Proverbs 20;23 The LORD detests differing weights, and dishonest scales do not please him.

THIS CAN BE INTERPRETTED AS, BANKS AND GOVERNMENTS, You are bringing judgements by your unbalanced weights and measures. Take heed

The reason for this letter to you is for you to do the job that you were elected to do.

TERMS OF REFERENCE

*Bring the Banks to justice for us, the people, ie those who have suffered great loss such as described in the afore letter,

* ARREST ALL THE BANKING CEO ‘S AND SET THEM TO TRIAL FOR A JUDGEMENT BY A JURY OF ORDINARY MEN AND WOMEN.

* DEMAND FOR BANKING reform IMMEDIATELY.

*Stop the report to credit agencies, this has been set up by the Banking cartel for their own benefit..

*Remove the FOS. Financal Ombudsman Services which we can prove have worked for the banks and closed MOST OF THE CASES of those who have relied on them to help us. WE have proof of their lack of professional care and even their direct lack of professional interest in all our requests for assistance. FOS IGNORED OUR REQUEST TO GET THE LAF after requesting the banks ie: ‘Commonwealh and Suncorp,to secure them for us and SEND them to us. This process took upwards of 6 weeks to get any answers not counting the 5-6 years from when the properties were first purchased

*Remove the ASIC who has proven their incapability of responsibility for the oversight of the financial institutions and security of bank customers..

*Remove the COSL WHO SHOWED no interest in our conglomerate group of victims. And the remainder of those matters which have been disclosed to your parliament for removal from the banking world.The list is endless.

* remove the banks control of credit reporting. Remove the records that stain our names.

*We demand compensation for the loss of homes and property, land, farms, etc and ungainful profiteering BY the banking cartel.. We have lost $1.3 million of assets, we demand compensation.FOR ALL DAMAGES TO OUR HEALTH AND WELL BEING.

WE WISH TO BE PLACED IN A POSITION AS IF WE HAD NEVER MET THE BANK. SUNCORP AND COMMONWEALTH banks WITH FULL COMPENSATION for loss of a home and shelter and travel costs to doctors and lawyers. WE DEMAND THE RIGHTFUL RETURN OF ALL LOST POSSESSIONS AND LAND TO PROVIDE US A SUSTAINABLE WAY OF LIFE, SUCH AS WE ENJOYED PRIOR TO MEETING THE LIARS OF THE BANKING CARTEL.

We hold you, our representatives to Holy accountability and you will our bidding. SO HELP ME GOD.

TERRENCE AND SIDNEY MYTTON-WATSON