Calls for Reform in Property Title Registrations and Compensation for Victims of Unlawful Foreclosures
Recent revelations have highlighted significant issues in the registration of property titles across various Australian States, with numerous individuals reporting loss of their properties due to fraud on title and incorrect registration practices. The problems appear to stem in part from the electronic lodgement of documents and insufficient manual checks, where it appears there are different and inconsistent levels of human intervention present across each State of Australia.
It has come to light that, in or about 2022, the Commonwealth Bank of Australia (CBA) wrote to some customers offering small amounts of monetary compensation for premature foreclosures. Homes were seized and sold unlawfully and ahead of schedule. CBA advised they had identified that it had issued the Power of Sale on certain home loan and line of credit products “too early”. The compensation did not include the value of any properties that were sold under this premature foreclosure. Notably, only residential customers appear to have been notified and compensated, leaving commercial property owners excluded from remediation. The compensation offered has been described as tokenistic and insufficient to address the gravity of the issue. There was insufficient compensation for those whose homes were sold prematurely.
Further investigations have revealed that CBA also refunded money to individuals for incorrect interest and charges on foreclosed accounts. These actions have prompted concerns that the amounts alleged as owed may have been incorrect, resulting in unlawful sales of properties and further perpetuating fraud on title on the title registers in each State.
The first application under Queensland’s new and simplified system of applying for compensation has been submitted for this premature foreclosure where the property was sold. This signals the beginnings of formal redress and underscores the systemic nature of the problem nationwide. The State of Queensland, including Treasurer David Janestzki, Minister Dale Last, the Department of Resources and Titles Queensland have worked with the author of Carolyn’s Amnesty Law Bill to simplify this process.
In response, there is a call for the Australian Registrars’ National Electronic Conveyancing Council (ARNECC) to be granted enhanced enforcement powers, as proposed under Carolyn’s Amnesty Law Bill. This would enable ARNECC members and State Registrars to better address allegations of fraud that may have been facilitated through third-party software providers, who currently hold significant control over information vital to property registration processes.
Stakeholders are urging collaborative efforts between State Governments, State Registrars, ARNECC, and affected individuals to develop solutions that ensure errors in land registers are corrected, victims are adequately compensated, and those responsible are held accountable. Current law requires the State Governments in each State to pay the compensation and then recover it from those responsible. A proposed presentation to ARNECC aims to open dialogue on practical reforms and mutual assistance.
Carolyn’s Amnesty Law Bill provides an opportunity for the State Governments to immediately pass on the cost of compensation to the perpetrators who participate in the Amnesty. In return they are exempt from criminal prosecution. If they do not participate then individuals will be referred for potential criminal prosecution and if found guilty their assets confiscated to cover some, or all of, the compensation payable by the States.
The community is seeking for the integrity of property title registrations to be restored and for justice to be delivered to those impacted by unlawful foreclosures. Enough is enough. It is time!
Submission to [Politician’s Name]: Urgent Need for Reform in Property Title Registrations and Compensation for Victims of Unlawful Foreclosures
Date:
To: [Politician’s Name], [Title/Position]
From: [Your Name/Organisation]
Subject: Calls for Reform in Property Title Registrations and Adequate Compensation for Victims of Unlawful Foreclosures
Introduction
I write to you to urgently seek your support for reforms addressing widespread and systemic failures in property title registration and compensation for victims of unlawful foreclosures across Australia. Recent developments have brought to light significant deficiencies in current processes, leading to devastating consequences for affected homeowners and commercial property owners alike.
Background and Issues Identified
- Numerous individuals across various Australian States have lost their properties due to fraud on title and incorrect registration practices.
- The shift toward electronic lodgement of property documents has resulted in inconsistent levels of human oversight and verification between States, exacerbating the risk of fraud and error.
- In or about 2022, the Commonwealth Bank of Australia (CBA) admitted to prematurely foreclosing on certain home loans and line of credit products. While some residential customers received minor compensation, the amounts were inadequate and did not reflect the value of properties lost. Commercial property owners were largely excluded from remediation efforts.
The author said – “… Stakeholders are urging collaborative efforts between State Governments, State Registrars, ARNECC, and affected individuals to develop solutions that ensure errors in land registers are corrected, victims are adequately compensated, and those responsible are held accountable…”
Yeah that’s right floks, “stakeholders”, that magic term of BS Globalist double-speak.
Victims adequately compensated? Those responsible held accountable?
Pig’s Arse.
We’re talking about the blood-sucking banks and their sold-out paid-off protectors in the fake foreign-owned corporate “government” here, folks. You know, folks, the F*CKING LOW-LIFE CROOKED BANKS who refuse to give YOUR MONEY back to you because it’s NOT your money, once they get their hands on it it’s THEIR money. And it’s the craven Treasonous sold-out paid-off anti-Australian ARSEHOLES who masquerade as our fake “government” who MADE it that way, all done in the dead of night by none other than serial paedophile and celebrity mass-murderer Snuff Scotty way back in 2018.
You’re as likely to obtain ANY satisfaction from ANY of these mongrel arsehole bastard RACKETEERING GANGSTERS as you are to get a Valentine’s Day card from Al Capone.
OF COURSE you won’t be “compensated”, OF COURSE no-one aside from an occasional specially selected and utterly expendable token witless fall-guy will be held accountable in any meaningful or tangible way, not now, not next year, not even in the next decade, not EVER, because why does a dog lick itself? BECAUSE IT CAN. And THEY make all the “rules”, folks, all those BS CORPORATE RULES because they own the joint and they own the fake corporate “government” lock stock and barrel and they call all the shots.
In any REAL country like Vietnam or China when they catch racketeering arseholes like these baby-eating bankster bastards, they don’t waste time, they just take the mongrels out to the firing range and SHOOT them.
But not here in Australia, folks, in Australia we grind the common folk down into the dirt and REWARD the GANGSTERS and PROTECT the filthy mongrels with ARMIES of gun-toing shit-for-brains Granny-bashing child-molesting pig-raping mass-murdering hired mercenary THUGS.
That’s right, folks Pig’s Arse! If you look up on a Sunny day you’ll see lots and lots of THOSE as all those pigs go flying by.
The banks always win because the customers are unable to think. The banks loaned more and more until the young people were unable to buy a house. They have HECS too which they can barely afford. They are supposed to pay superannuation as well for some future time maybe around 2080 AD. By that time the money will be worthless just by tax, inflation, fees and other ripoffs. However that’s still not enough to wake them up. The cherry on top, they use their phone at the checkout because they think it’s cool.
Hence, “You will own nothing”, and probably sooner than you expect
Every single property owner loses their property due to the entropy theory of value: i.e. the ‘non-equilibrium thermodynamics-based economic theory.’
Economists measure the natural lifespan of an asset via the First Law of Money: the L=VM formula.
Every single mortgage lender (bank, building society) loans money to the borrower, at interest, with full understanding of this formula.
The bank [and a handful of wise ones] fully understand, that they own the new property in its prime and throughout the guarantee period. But over the course of the mortgage [and interest] repayment period, the bank is slowly offloading its increasingly depreciating asset, whilst the live-in part-owner foots the bill for the shared property’s maintenance costs over this period.
When the bank finally withdraws from its shared ownership obligations, and escapes from its mortgage contract, the sole-owner stupidly celebrates by shouting from the rooftops, – ‘the house is mine, I’m free!’
At the same time, the bank lender is also shouting from the rooftops, – ‘I’m free, I’ve removed the liability from my balance sheet.’
So, after thirty years, someone now owns an ‘old house,’ that decays at a faster rate, so requires more maintenance costs than it did brand new. At the same time, the L=VM formula is still ticking away, – it never stops.
Without ever realising it, the sole-owner of the old house has just entered the process of starting to buy their property for a ‘second time.’ This usually occurs over another twenty-five year period. And if they live long enough, or their children inherit the property, they will then start buying the house for a ‘third time,’ and so on. Eventually the decay is so far gone the property is written off and reverts to its underlying land value, which is also subject to the First Law of Money.
Intelligent people who understand the physics and mechanics of money avoid this at all costs, hence, they direct their capital elsewhere.
Banks and governments cannot claim advance ignorance of the greatly simplified theft mechanisms they collectively introduced to aid the rise of property theft. There were many early examples of it post the introduction of computers, and electronic transactions. Of course this saw the compulsory push to replace paper land titles with dubious electronic titles. Having passed paper titles to banks when taking out initial purchases, and later investment property loans against real property owned, the later cavalier replacement of the paper titles with the obviously more dubious electronic titles, by government, was something of an uncomfortable surprise. Theft of real properties with paper titles previously required someone with a similar name, and a real estate agent willing to take the risk. But no longer. Just a few key-strokes and it’s done. What a wonderful modern age we live in.
Part 1 – Transfer
LAND TITLE PRACTICE MANUAL
Updated 17 September 2025
Note: If a sole proprietor wishes to transfer half of the fee simple (their share) to another party and be recorded as joint tenants, the transfer when prepared must be of the whole of the fee simple from the existing sole proprietor as transferor to the transferees as joint tenants, one of whom will be the current sole proprietor.
Note: If an existing tenant in common wishes to transfer their share to another party who is to hold the interest with the other current tenant in common as joint tenants, the transfer when prepared must be of the whole of the fee simple from both of the existing tenants in common as transferors to the transferees as joint tenants one of whom will be a current tenant in common.
https://www.titlesqld.com.au/wp-content/uploads/2025/09/ltpm-part-01.pdf
Tenant meaning –
1: one who has the occupation or temporary possession of lands or tenements of another specifically : one who rents or leases a dwelling (such as a house) from a landlord
b: one who holds or possesses real estate or sometimes personal property (such as a security) by any kind of right
2: occupant, dweller
So, who really owns the land you think is yours?
Some penalties for non-payment of rates in Australia:
Late payment interest. Unpaid rates and charges from previous years attract late payment interest calculated at 8% per annum, for as long as they remain unpaid.
Court action. If the amount shown as payable in respect of rates and charges is not paid in full, the full amount becomes overdue and may be recovered by court action, including seizure and sale order for goods or land.
Credit score impact. A tax lien can negatively affect the credit score, making it harder to obtain loans or credit.
For specific details, it is recommended to consult the relevant local council or the Australian Taxation Office (ATO).
Well anyone who puts their money in the bank is an idiot. I bludge on a DVA pension, don’t pay any income tax whatsoever and work cash jobs, plus get all the healthcare benefits of a pension card/discounted utilities/concessional registration. Wageslaves who support the system deserve to be screwed by this gov, banks etc as they voted for it.
Simple as.
Promissory Notes and Bills of Exchange
What the Difference between the Bills of Exchange, Promissory Note, Cheque, Bank Note Financial/commercial Instrument, Giro, and all other forms of cash, i.e money. All types of loans are fraudulent in so many ways, all Direct Debts are Fraudulent in everyway. There is no difference between anyone of them, there are all in fact the same, even though different words are used to confuse many people, which it seems to be doing a pretty good. Many walk around blindly everyday yet don’t have a clue as to where their cash comes from, who creates it, how it is created, who the the true credit holder is and who is the true banker. Here to help you understand this part. Promissory Notes and Bills of Exchange…….
“…………Bills of Exchange and Promissory Notes are NOT independent payment undertakings (debt obligations) from one person to another. They are codified under the Bills of Exchange Act 1882, which were developed and interpreted by courts as clearly stated High Court Judge Lord Denning.”
Lord denning stated
“We have repeatedly said in this court that a bill of exchange or a Promissory Note is to be treated as cash. It is to be honoured unless there is some good reason to the contrary” (see per Lord Denning M.R. in Fielding & Platt Ltd v Selim Najjar [1969] 1 W.L.R. 357 at 361; [1969] 2 All E.R. 150 at 152, CA)
Another of Lord denning’s rulings stated that a bill of exchange once tendered has to be treated as cash.
The principle is that a bill, cheque or note is given and taken in payment as so much cash, and not as merely given a right of action for the creditor to litigate a counterclaim (see Jackson v Murphy [1887] 4 T.L.R. 92).
First of all it is important to remember that the Bills of Exchange Act 1882 (and many Statutes subsequently) consider a Promissory Note to be the same thing as “cash”.
Is this somehow not enforced in Australia?
https://commonlaw61.com/ws/media-library/7b70791b0d7845938e186ca6bc3384bc/promissory-notes-and-bills-exchange..pdf
Which side of the ledger is your promissory note deposited? It isn’t? – therefore the Bank on sold it.
h ttp://www.austlii.edu.au/au/legis/cth/consol_act/antsasta1999402/s195.1.html
“money ” includes:
(a) currency (whether of Australia or of any other country); and
(b) promissory notes and bills of exchange; and
(c) any negotiable instrument used or circulated, or intended for use or circulation, as currency (whether of Australia or of any other country); and
(d) postal notes and money orders; and
(e) whatever is supplied as payment by way of:
(i) credit card or debit card; or
(ii) crediting or debiting an account; or
(iii) creation or transfer of a debt.
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