THE registered title holders of a property in Queensland have issued a public demand for the immediate removal of an unlawful lien placed by “Australia and New Zealand Banking Group Limited” (ANZ).
Despite more than 80 formal written requests for proof of the alleged debt and the mortgage agreement over the past three years, ANZ has failed to provide any certified documentation, leaving the lien in place without legal justification.
The couple have been actively pursuing the resolution of this matter for over five years, repeatedly asking ANZ for evidence of the debt and full disclosure of the terms of the mortgage. Yet ANZ hasn’t supplied any certified loan documents or verified the existence of the debt.
“No ANZ actor will entertain any form of communication about this matter. It really is an extraordinary situation, where the ‘alleged debtor’ is chasing the ‘creditor’ to pay an unsubstantiated debt,” they said.
“This situation has gone on far too long,” said the couple. “For over five years, we’ve requested proof, and ANZ hasn’t responded with anything substantial. Instead of offering the necessary documentation, they’ve allowed this matter to remain unresolved, and for the lien to remain on our property without justification.”
This situation began when the couple requested full disclosure of the terms of the alleged mortgage. Despite numerous attempts to resolve the matter directly with ANZ—including reaching out to the CEO and senior executives—the couple haven’t received any substantiated proof of the alleged “outstanding loan account balance.”
So they stopped making any mortgage payments, but rather than discuss the matter, ANZ has attempted to pursue collection efforts that the couple claims are unfounded and unlawful.
The legal implications are clear: ANZ’s actions violate Australian consumer protection laws and financial regulations, including the Corporations Act and the National Consumer Credit Protection Act (NCCP Act). The couple’s public notice now serves as a final demand for the immediate removal of the lien, since the strict deadline for ANZ to act, has now passed.
“This isn’t about confrontation; it’s about holding ANZ actors accountable for their failure to substantiate their claims,” said the couple. “ANZ is required by law to provide proof of the debt before pursuing legal action. And their refusal to do so undermines the trust that should exist between financial institutions and property owners.”
The couple have taken their case to financial regulatory bodies, including the Australian Securities and Investments Commission (ASIC), the Australian Prudential Regulation Authority (APRA), the Australian Financial Complaints Authority (AFCA), the Australian Competition and Consumer Commission (ACCC), the Federal Treasurer, Minister for Financial Services, Attorney General, Commonwealth Ombudsman, and Queensland Titles Registry Pty. Limited, (“Titles Queensland”). These agencies have been asked to investigate ANZ’s actions and ensure that they’re held accountable for violating consumer protection laws.
APRA’s unsigned anonymous reply stated: ”APRA does not investigate individual complaints unless they are of prudential concern, meaning they pose a threat to safety and stability of the financial institution.”
Titles Queensland’s principal legal counsel replied: “Titles Queensland has no authority to take the action you request. The mortgage will be removed from the title when a Form 3 Release of Mortgage, properly executed by the mortgagee [ANZ] and in registrable form, is lodged.” The remaining financial regulatory bodies, and politicians, remain silent.
“It’s time for banks and financial regulators to be held accountable for their actions (or lack thereof),” the couple concludes. “This isn’t a personal dispute; it’s about ensuring that financial institutions and financial regulators follow the same laws they demand everyone else follows… And treat all property owners in Australia equally, whether they be large corporations or private individuals, with the respect and transparency that all ordinary Australians deserve.”
The couple said anyone with similar issues can email them at anzmatters@proton.me.
Big “Thank You” to cairnsnews.org for posting this narrative…
Thank you to everyone who sent The Couple emails – great to make contact with others in similar situations… keep ’em coming!
Thank you for the constructive comments here that were on point… [Not sure about the relevance from commenters blowing their own Trump-ets about matters not pertaining to this post.]
Thank you to all for reading this post, it would be great for you to share with others 🙂
blessings to you all!
The Couple
Rennick shock exposes sham of Australian ‘democracy’
27 June 2024 – Citizens Party Media Release
Bankers strike back?
After Senator Rennick lost his preselection vote, a senior LNP source observed to the Australian Citizens Party that Rennick was taken out because he took on the banks.
The banks are the most powerful lobby in Australia, and blatantly use their money, power and influence to keep both major parties on a leash.
By fighting for the banks’ worst nightmare—a public bank—Senator Rennick has done more than anyone else in the major parties to take on the banks’ power, and while the banks may have succeeded in forcing him out, they now have to deal with the consequences of the unprecedented Senate recommendation that has advanced the case for a public bank.
Australians must decide: do we want a sham democracy rigged by powerful vested interests? Or do we want a democracy which elects governments of, by and for the people?
If the latter, oppose the major parties being above the law, and support the ongoing fight for a public bank.
Click here to sign the Citizens Party’s petition for a post office people’s bank.
https://citizensparty.org.au/media-releases/rennick-shock-exposes-sham-australian-democracy
What do the bank claim to have the lien over? It’s not what you think and it cannot be what you think. Trump will not be saving anyone because that would bring down the whole system. He won’t do that.
If there is anyone out there who knows even a little bit about the bible, will hopefully figure out that the land in question is most certainly not the land you think it is.
They rely on misprepresentation and fraud to keep this scam going.
Well done . Getting close now 🫡 & btw , Trump just exposed Netenyahoo , congrats President Trump 🫡
Getting truth to more people is paramount to saving ourselves and our country. DDB
Gerard Rennick – The People First Party are calling on the reinstatement of a public bank, similar to the old Commonwealth Bank. A public bank will ensure that bank branches stay open, so people can access essential banking services.
The bank will also offer longer term fixed rate home loans of up to 25 years so that homeowners don’t have to worry about changing interest rates.
h ttps://peoplefirstparty.au/policies/public-bank-insurance-office/
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ANZ and OnePath Super Class Action – $50 M
What is the ANZ and OnePath Super Class Action about?
There are two key claims in this Class Action.
h ttps://www.slatergordon.com.au/class-actions/current-class-actions/anz-and-onepath-super-class-action
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ANZ agrees to settle credit cards class action – $57.5 M
Published on 25 March 2024
ANZ today announced it has reached an agreement to settle a class action brought against it by Phi Finney McDonald in 2021.
The class action related to certain interest charged on certain ANZ personal credit cards in the period from 1 July 2010 to 1 January 2019.
h ttps://www.anz.com.au/newsroom/media/2024/march/anz-agrees-to-settle-credit-cards-class-action-/
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ANZ settles car loan class action for $85 M
4 Oct 2024
The agreed settlement will see ANZ pay $85 million, covered by existing provisions held at 30 September 2024.
Confirming the settlement, class action law firm Maurice Blackburn Lawyers said the case was centred on “predatory lending practices that saw car dealers sting customers with high-interest loans involving secret flex commissions kickbacks from the bank”.
h ttps://www.theadviser.com.au/lender/46225-major-bank-settles-car-loan-class-action-for-85-million
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3 February 2025 – The Chief Executive of the Australian Banking Association (ABA) and former Queensland Premier, Anna Bligh AC, will retire in mid-2025 once a replacement is appointed.
h ttps://www.ausbanking.org.au/aba-ceo-anna-bligh-to-retire/
SEE > It was Madam Anna Bligh when she was Labor Premier of Queensland who mandated the poisoning of Queenslander’s Drinking Water (in Dec. 2008) (except Townsville fluoridated since 1965) – after ‘approaches’ from the Australian Dental Association and Australian Medical Association and together with the then Chief Health Officer Queensland, Jeanette Young, they forced water fluoridation on Queenslanders (the last state to be widely chronically poisoned) – and changing all the water grids and costing Queenslanders a fortune to be chronically poisoned.
All those countless billions of dollars since starting water fluoridation schemes in Tasmania in 1953, they could have no doubt drought proofed and flood proofed much of Australia and saved an absolute fortune also in the damage to the health and mental health of Australians. It is absolutely disgraceful how this continues to happen. See >
The Truth of Water Fluoridation Chemicals from page 47 on.
We should all be getting safe water not polluted with Toxic, Neurotoxic, Cancer Causing, Endocrine Disrupting dangerously corrosive industrial waste pollutants Fluorosilicic Acid / Sodium Fluorosilicate with co-contaminants of lead, mercury, arsenic, cadmium, thallium, beryllium and more (known as water fluoridation chemicals) and also added is aluminium sulphate. Please read particularly what water fluoridation chemicals are from page 47 on. (It is more Political Insanity/Negligence/Failure of Any Duty of Care.)
h ttps://tinyurl.com/4nj3r34c
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Health Effects Database – Fluoride Action Network
FAN’s comprehensive catalog of fluoride research, including detailed summaries and exhaustive references for over 80 aspects of fluoride toxicity. A gold mine of information for anyone interested in the science.
h ttps://fluoridealert.org/researchers/health_database/
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Former Senator Len Harris exposes the extinguishing and shredding of all freehold title deeds by Labor Government
h ttps://cairnsnews.org/2021/12/10/former-senator-len-harris-exposes-the-extinguishing-and-shredding-of-all-freehold-title-deeds-by-labor-government/
A Title Deed in your possession is your proof of ownership and whether your property is encumbered or not.
Invalidating your Title Deed now means ANYONE authorised to make changes to it can stick whatever they like on it and you can whistle Dixie and spend a fortune sorting it out if you’re lucky. Assuming you even know about it!
If you’re not lucky, you can get clipped like a sheep and there’s nothing you can do about it.
Why don’t Ivan Brown and Keyboard Warrior and David Esplin go and take your soapbox elsewhere, instead of hijacking a very serious article that affects millions of Australian Homeowners?
Clearly Ivan Brown and Keyboard Warrior and David Esplin have a huge amount of expertise in diplomatic negotiations, and could be a great asset to Albo and his cabinet.
So why don’t you three step up to the plate and stop using other people’s articles as a platform for personal opinion about a completely different subject matter?
If I were Trump I’d invoke a bit of EXCEPTIONALISM and simply take Gaza and give it to my daughter and son-in-law to set up as an exclusive high class golf course and holiday resort for EXCEPTIONAL PEOPLE.
A Rubble Beach version of California’s Pebble Beach.
What’s the point of having all that American power unless you can use it to rid the world of useless eaters and serve and benefit the 1000 Points of Light who are more favoured by God?
After all, the EXCEPTIONALS in this world have a right to a recreation area, especially if it brings in good returns.
To start an empire all you need is a special hat and a couple of decent bodyguards. You come up with a major line of bullshit and it all goes from there.
Well said David Esplin,
If I remember it correctly, the ICJ said there must be reparations.
Great. The companies that made a fortune providing weapons, they can give that fortune to the Gazans. This is blood money. The countries that provided money or military, they can send Team Bulldozer in and clean it up.
What about the UK who caused the problem in the first place., even though we all know it went back further than that. What about the double dealings there. What about the promise given to the Palestinians if they helped the UK fight the Ottomans. Does the West ever keep its word? I’ll leave you to answer that difficult question.
Israel of course and the USA who was the enabler and now seeks to benefit. There has to be justice. There must be reparations.
They can rehouse the Garzans in beautiful houses in Palestine, and borders must be opened so Palestinians are FREE to come and go as they please. Self determination. Free to rule over themselves. Free to fish. Free to farm. Free to swim in the Mediterranean. Free to benefit from their own resources. Free to choose their own friends. Freedom for their children to go back to school and university.
And there must be an edifice erected with the names recorded for all to see of everyone responsible for the death and destruction of a people where previously Palestinians, Jews and Christians intermingled and were happy together.
Is it too much to ask that they experience the same privileges without interruption as we do?
Like many others, I feel very strongly about this issue.
@ Keyboard Warrior. I’m fine with the USA owning Gaza but ON TWO CONDITIONS. (1) Trump’s quite correct that the open-air prison camp known as Gaza has been ‘unlucky’ for the Gazans, so it’s only fair and just that the Palestinians get somewhere else to live. I think the title deeds to Israel would do nicely; and (2) Netanyahu, the genocidal war criminal, the Israelis in the IDF who committed war crimes against the Gazans and the criminal US senators, congresspeople and ex-presidents responsible for treason should be detained in Gaza for the rest of their lives. It’s far more humane than the treatment they deserve. The seized assets of these criminals should help fund the rebuilding of Gaza as a high-rise prison colony with views of the Mediterranean.
[…] Source link […]
Keyboard Warrior
Not in Gaza of course. He is going to own Gaza now. Lovely climate. Right on the Mediterranean.
Well put Kbd Warrior. 👍🏼
I think (hope) a lot of deluded Trump worshippers will be quickly waking up now, realizing they were totally fooled by the cabal’s golden-haired wolf-in-sheep’s clothing.
Yes he’s a truly wonderful humanitarian… No?
Help Netanyahu kick them out of their rightful home, most of them children.
Yes, so kind of him, meanwhile many thousands have died and lost EVERYTHING at the hands of Israel’s genocidal campaign and their murderous, humanity loathing IDF who find it highly amusing to shoot kids in the face for fun!
Such a lovely kindhearted mass murderer is our hero Trump, this one goes hand-in-hand with his Operation Warp Speed genocide agenda, which, BTW he’s about to double down on… Same level of total falsehood when it comes to his ‘MAHA’ scam with RFK. Another lying, two faced turncoat along with the rest of his carefully chosen Zionist cabinet.
Has anybody realised that with the ongoing wars in Gaza, the Congo. Sudan, Syria, Iraq, Venezuala, etc., and with the exception of Ukraine, there are going to be an enormous number of single men eventually looking for wives. Perhaps either stop the fighting, or lock up your daughters.
Please don’t say anything nasty about Donald Trump. He sees Gaza as a disaster zone, which it is. He is going to clean it up. Get rid of the unexploded bombs, level the bombed out buildings, make it habitable again. He’s very sad about Gaza. Lovely, caring man.
Reminds me of a guy who went with his wife for marriage counselling. He sat back comfortably as if her sadness had nothing to do with him and said that he doesn’t like to see her unhappy. Seems it was up to the counseller to sort her out and make her happy.
And Trump is doing the same. The unexploded bombs may have come from America. The burnt out buildings because of America. The bullets and bombs that killed a huge percentage (about 70%) of the women and children, may have come from America, but he doesn’t like to see them unhappy. So he has a humanitarian solution for the happiness of the Gazans. He is going to build them lovely places to live. Not in Gaza of course. He is going to own Gaza now. Lovely climate. Right on the Mediterranean. Tons of gas in the Levant. Opportunity to build another Canal (which will send Egypt broke). – minor worry Talk about the guilty rewarding themselves. Talk about not looking reality in the face. Talk about no shame.
Sorry Donald. Even living in their bombed out conditions, for the Gazans there is no place like home. And you can’t do it Donald. You said that America is a respected nation. You mustn’t destroy that image.
Banking Bastardry should be high up on the People’s Court Grand Jury.
Joe Bogan
The ANZ sent me a shitty email saying not much, two properties on the same page, and MacQuarie sends a half decent sort of letter but neither provide any sort of certificate…
Yep, I recently had the same experience with the Commonwealth Bank.
They gleefully informed me that there’s no such thing as a ‘Title Deed’ anymore, only an ‘e-Title’ which they don’t send to you in an e-mail or anything, or some website where you can view this e-Title. You just have to take their word for it that there is an e-Title somewhere, which doesn’t actually state that you own the property either. Only says that there is no money owing to any financial institution on said property (or words to that effect).
IOW: YOU don’t own the property therefore, the bank, or any of the treasonous lying governments can take it from you whenever they feel like it.
THIS WILL ALL BE SORTED OUT SHORTLY NOW THAT PRESIDENT TRUMP IS IN CHARGE. 🤦♂️
Well as Pat from Vic would say, “Don’t go counting them thar chickens”…
You and all the other Trump worshippers had better be prepared for HUGE disappointment and worse! He’s not who or what you think he is – never was and never will be – he’s with THEM, not us and you will all see his true colours come shining through very soon, in fact they already have: Take a look at what he’s just announced about Gaza and all of its citizens:
https://cairnsnews.org/2025/02/04/the-peoples-grand-jury-indictments/#comment-501243
Reply to all.
TASA is already onto this.
Once you reconvey back to the land and give notice you then commence sending notice to these “FAKE” money merchants, to claim back what was fraudulently taken away from you. Also, the FAKE rates, car licences and gun licences etc etc.
We don’t need their fake “registrations” which is actually signing away our “rights”!
It will do you absolutely no good whatsoever arguing with these corrupt Fake Money shifters. Keep poking the Bear and it will send the Corrupt Policy Enforcers to evict you sooner or later. Has already happened to many people in the Common Law movement. Once again – No Remedy.
Once you ” reconvey ” back to the land, it is then and only then that you have Dominion and no master telling you what to do.
Please do your research into this rapidly growing man and woman group who “stand” free in their own right.
Good health to all.
Common sense Phil, CQ.
https://terraaustralisstatesassembly.com/wp-content/uploads/2024/09/Week-1-Why-reconvey.pdf
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All mortgage documents are fraudulent documents. Hopefully this will come to light this year, and they’ll ALL be removed.
To me it smells like part of a wider scheme to repossess earmarked land.
I got some loans closed off and it costs a few hundred dollars for each. The ANZ sent me a shitty email saying not much, two properties on the same page, and MacQuarie sends a half decent sort of letter but neither provide any sort of certificate, should be getting one from Westpac one of these days and see what they come up with. You should be able to expect a nice “congratulations – want another loan ?” type of cover letter and a gilt edged Certificate of Closure, I mean many people only buy one house in their life. This is what the bank is selling. WTF is wrong with them ? Why don’t they supply a frame too so you can hang it on the wall.
Anyway I’m going to sell everything and go bush, I don’t trust the government.
The bank that supposedly made the loan in the first place received the money for that loan in full when the application was made, gifted as it were from the strawman accounts of the applicants…their accounts created from their birth certificates that were attached to the corporations created out of their birth names in CAPITOL LETTERS, money and account of which was held in the now bankrupted District of Columbia, Washington DC/US (not USA), and then expected the applicants to make payments for years until that amount was paid in full a second time with interest on interest occurring year by year for the term of the loan.
So the bank pulls this swifty out of their signatures and agreement which occurs in their state of ignorance of how this bank theft occurs.
Financial slavery, fully organized by government, politicians, top bureaucrats, is all part of the unlawful system of Law, the Admiralty System that has NO JURISDICTION ON LANDMASSES, and IS NOT CONSTITUTIONALLY ALLOWED TO OCCUR.
POSSESSION IS NINE TENTHS OF THE LAW?
DO NOT PAY PAYMENTS FOR BANK LOANS…DO NOT LEAVE YOUR POSSESSION UNATTENDED…DO NOT ALLOW ANYONE TO EVICT YOU AS YOU ARE A SQUATTER THAT GETS POSSESSION AFTER 10 YEARS OF HAVING ADDED VALUE TO THE PROPERTY.
THIS WILL ALL BE SORTED OUT SHORTLY NOW THAT PRESIDENT TRUMP IS IN CHARGE.
THE GOVERNMENT AND WORLD ELITES DO NOT OWN YOUR PROPERTY…..TITLE DEEDS WILL BE SORTED OUT SOON….THE ELITES WILL ALL BE DEAD, AND MANY GOVERNMENT OFFICIALS.
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THIS SMELLS OF CORUPTION AND WOULD APPEAR TO BE A TEST CASE TO TAKE PEOPLE’S PROPERTY WITH OUT PAYING FOR IT.
PERHAPS THEY ARE FOLLOWING SCHWABS IDEAL WORLD OF “YOU WILL OWN NOTHING BUT YOU WILL BE HAPPY”