On permanent holiday?

Well, the moving is finally behind us (the unpacking of boxes, sadly, is not), hubby is back at work, I’m getting back on track catching up on the studying I haven’t been able to do.  The banks are still getting away scot-free for all the damage they have done by wilfully disregarding the law because they knew they could … so I’m guessing life goes on, same old, same old?

Evan Jones has written more articles about banks for the Independent Australian business section – regulators are still claiming it is we, the customers, who are wrong and did the wrong thing.  Banks continue to treat their customers like criminals despite knowing full well who committed the fraud …

The government, which I am sad to say is a total embarrassment for numerous reasons, continues to ignore the situation (although they put in a ‘fix’ for something that apparently wasn’t broken back in 2010 – still have to ask the tough questions on that one one day).  I’m not holding my breath for a change of government because, well, they’re all the same really – only out for their own feathered nest and the betterment of their mates and stuff the rest of us (but no cynicism here).

Sadly, there’s nothing much to look forward to in regard to changing the corruption that envelops Australia … those who know it’s corrupt and want to change the system simply don’t have the numbers to do it.  The rest have their snouts so deep in the trough it’s a wonder they don’t asphyxiate … the Karma bus appears to be running on some city schedule and is therefore very, very late – I’m hoping it will still come for a number of individuals whom I shall resist the temptation of naming – you know who you are ….

And the reason for the title of today’s post?  Well, now that I live in a holiday resort city … am I on permanent holiday?  Not sure if that would be a good thing or not – but I think I’d like to give it a whirl .  The problem with that though, is that even if I had nothing to do (no study, no feeding the cat, no responsibilities of any kind) there would still be that one big job that has to be done.  We still have to expose the corruption and make the jerks who have been benefitting from it and getting away with it for years; pay for their sins.  Those who spread such misery must be made to enjoy some of it as well …. in my humble opinion.

Let their relationships fall apart – let them worry about their kids future – let them worry how the heck they’ll live in retirement when all they have is ruin.  Let them feel the depression, let them deal with the friendships that disintegrate because no-one wants to hear your story anymore, no-one understands that this is a real grieving process.  Let them sink to the depths of despair and consider ending it all.   And then, when they have lived in total, utter misery for a few years, throw them a crumb and tell them they’re lucky, at least they got something ….

People assume that because we finally settled with the bank that we have had closure and are now living life again.  Newsflash people – the damage inflicted on us by an uncaring bank, by a bank that knew full well that we hadn’t done anything wrong but was too prideful, too arrogant, too uncaring – the massive damage will take a long time to fix. 

Yes, I have a beautiful home – but there are still buts.  And I’d love to write a letter to the jerk who said in court that I’d bought a beautiful home (when I had in fact bought 600 acres which just happened to include a really nice house) – I’d love to invite him to my new home – the home which is far more impressive than the other one.  I’d love to have him here and then tell that jerk to kiss my furry lil butt – I hadn’t tried to rip the bank off, I hadn’t lied, I didn’t know about all the crap that went on at the bank.  I didn’t know I couldn’t trust a bank.  

These days I trust maybe 5 people – although I’m pretty sure I trust the government to keep screwing over the people (no matter which party is in – they’re all corrupt and I don’t apologise for my statement – stop protecting corporate criminals and I might think you’ve changed).  I guess it depends on how you use the word ‘trust’ then?

My late father-in-law was a banker, when he retired he was one of the managers at Bankwest head office in Perth; he’d started with them when he was but a pup and  they were still the R&I, he was a rural bank manager for a long time.  He was old school, he told us stories about the corruption that was evident even in the early 80’s in banking … but he was the guy in charge and wouldn’t risk his bank’s reputation or his own morals and ethics.  Somehow, we thought most bankers were still like that.  We’re not simpletons … we just missed the memo that greed is good and Gordon Gecko now ran the banks!

Funny how our experiences guide our thinking, our decision making processes and cloud our judgement.  I had such a hard time getting this latest loan – and I’m not talking about the 5 star ‘jumping through every hoop we can possibly find’ treatment the bank gave us.  I’m talking about how I felt having to sign up to a mortgage and trusting a bank again.  It’s hard to explain how that feels.

Yes, I have my own home again (and I still say I shouldn’t have a mortgage … we should have been put back into the ‘same’ financial position we were in prior to the bank loan, financially, it should have been as though it hadn’t happened) but there is still a sense of not trusting that I will be able to stay here as long as I want.  There is a reluctance to embrace possessions, a reluctance to hope to be able to retire here, a reluctance to belong … and all this because one bank manager failed to keep us in the loop as to what was happening … and I still don’t know why she did it, why she took such a risk with our future when we needed to know and make our decision based on what was best for us. 

There remains this horrible feeling that maybe there is a problem somewhere that we don’t know about, something that will throw us back into the nightmare.  That fear that something is going to go terribly wrong and we’ll find ourselves back in trouble. 

Yes, we settled with the bank, but we didn’t get an apology, we didn’t get compensation, we didn’t get closure and we most certainly didn’t get our trust back.   I’m still angry about how we were treated, I’m still angry about how we were financially ruined, I’m still angry about the damage done to us as individuals.  I’m angry that there are so many people like me still going through this and their plight, like ours, is ignored by the politicians, ignored by the regulators and ignored by the banks. 

I’m angry that the media is only interested in Ms Gillard’s chest or whether her relationship is a sham (who cares?  I just want her to bloody well do her job – and maybe reply to my letter?  Maybe shut down a few bank scams?  Compensate victims of bank fraud?  Get the Australian economy on track?  You know, govern?) – I’m angry that the media doesn’t ask the hard questions as to why ASIC and FOS and COSL are not stepping up and doing their jobs. 

I’m angry that banks get preferential treatment and can abuse the trust of customers, employees and shareholders without any fear of losing their financial licences.  It’s about time one of the big 4 was made an example of … time to put the fear of God into them and make them become the responsible corporate citizens they claim to be.  No prizes for guessing which bank I’d nominate.

Anyway, I’m going to take a moment to settle down to more heavy duty studying – if the banks haven’t been pulled into line by the time I’ve got my degree – well, I guess I will then know what my first job will be.

Have fun … and take care out there in banksterland

Really? You’re kidding me right?

I didn’t know what to call this ultra-quick post – but this is how I felt this week as I began a new study period with four units (yes, that is twice the recommended study load and yes,  I am mad).  So what prompted this reaction?  Something so awesomely weird that  OMG WTF just doesn’t cover it?  Well, I’m doing management units along with one internetty one and what do I find in my reading in week 1?

Not to put too much emphasis on it … but … l’horreur – the bank that shall not be named makes an appearance in two of the units!  Is the universe telling me something?  Am I being guided by a higher power that my long-term plans are, indeed, on the right track?

And just in case you are wondering – both readings are not complimentary to said bank – it gets a thorough drubbing for its poor management of its most important assets – its employees, shareholders and customers.  And friends, family, countrymen, just to remind you … I’m not studying law units, I’m not doing research off my own bat to write academic tomes to expose any particular bank’s darkest secrets.  These are business management units and in the first chapter of two academic texts the mismanagement by a named top four Australian bank is laid out for students to see, in all its ignominity.

I just thought I’d share that with you … that despite thinking that this study period would be different … in many ways it is just the same – so exactly how big are the issues within financial services that banks get special mention as to how badly they treat customers when employees are threatened with the old carrot and stick?  How utterly ignorant is senior management when a bank’s treatment of that most idolised of beings – the shareholder – is described as being a failure of epic proportions in academic tomes not related specifically to banking?  How utterly stupid are the regulators who claim “there are no systemic issues in banking” – when even management tomes designed to teach business management clearly identify this failure?  And when exactly will someone get rid of that disgusting carrot and stick?

The carrot – for those who don’t know – is the bonus payment and chance of promotion offered when sales targets are reached (*sales being loans approved) and the stick?  Well, it’s a nasty one, employees who fail to meet lending targets too often get sacked … that’s right – they lose their jobs if they don’t stick customers with loans they can’t afford.

I know the rules have been tightened up (supposedly) but from my chats with others who have recently purchased a house – it seems we are the only couple to be hit with more checks and balances and everything signed in triplicate than anyone else.  I have received multiple copies of every document anyone thought could possibly be required to give to a customer – I’m surprised I wasn’t sent the toilet paper requisition form actually .

And something that hasn’t changed yet as far as I know (and I’m happy to be corrected if any bank CEO would like to weigh in on the argument) is the old carrot and stick – and while it exists banks will continue to operate with a fully dysfunctional corporate culture designed to turn honest employees into furtive, unethical, immoral crooks.  I’ve spoken to far too many ex bank employees (feel free to imply all banks here) who couldn’t handle the hypocritical, immoral nature of banking and quit.  Turns out being a garbo is preferable to being a banker … go figure.

Anyway – who says God doesn’t work in mysterious ways?  Oh, that’s right – nobody

…. and it’s back to more studying – hopefully sans bank stories to make my hair curl .

I’ve run out of words …

It’s finally happened … study has finally broken me – I have officially run out of words – I still have another 1000 word essay to write (and edit a total of 5900 words to make them sound vaguely acamademical ) but they’re just not there – I’m struggling to write this in comprehensible English and it’s like pulling teeth – cranky rhino teeth … just sayin’ .

So I’ve been wanting to write this for a while now, but the above problem keeps getting in the way (final assessments for these units so then on to some fun management and human resources units … hmmmm – that could be fun )

Anyway – here’s the one thought I want to leave you with to ponder as I have pondered.

If there are no systemic issues in banking as declared by ASIC at the Senate Banking Inquiry – then how come the Government tightened the regulations on lending so much?

I think this is a really important point

If it wasn’t broken – why did they fix it?

It’s not like they fix anything else that’s obviously broken – so why – when there are no systemic issues in banking – did they tighten the procedures?

Fixing loopholes to stop the naughty banks ripping off customers perhaps?

I would love to know how those meetings went and who thought this would fix the problem?  Yes, you may have created a situation where one rip-off scam has been knobbled, but you should have helped the victims of these crimes instead of telling us all there are no systemic issues in banking- go away you (the stupid customer) fucked up.

I learnt a new word at uni – well, not at uni – it wasn’t like there was a lecture on new words to use  when you are so frustrated and tired and feeling that this crapola will never really end – but a fellow student used it and I immediately thought of regulators, politicians and bankers when I heard it.  You see, I think all of these people in their mighty towers, ruling the world for their own feathered nest and not for the people as fucktards.  Isn’t that just a perfectly apt word to use for the scum that choose to cover up massive fraud and then quietly make sure some of the scum don’t get to do it anymore (at least not until they figure out the work-around – which they will because well, they’re fucktards … right?).

Here’s to things finally getting fixed properly and compensation being paid for the endless suffering these fucktards inflicted on all of us.

And keep reminding them that they fixed it – even though, according to them – it wasn’t broken.

Turns out ….

Apologies for not doing the follow up post last week – after my whinge about everything taking soooooo bloomin’ long with this loan approval in the morning – in the afternoon I had a nice surprise .  You know how after all of our begging letters looking for help and complaining about what the banks have been up to we thought nothing was being done (that would be because nothing was done to help us … right? Right!)  Well, the pollies did have the sense to at least tighten up the legislation to make sure these fraudulent loans couldn’t be generated anymore.  So the rules changed, procedures changed and I’ve spent the last few weeks jumping through the new hoops.

Last week I was phoned by the financial institution to talk about the loan, the guy asked if I minded him asking some questions.  I’m not sure if I imagined the laugh in his voice when I said that from my perspective I’d really rather he asked lots of questions.  (offering to tell him the colour of my knickers and signing original documents in blood may have been far too much information for him ).

Cynical me is not sure whether I’m getting the full-on star treatment because now that I’m considered a successful litigant they really want to make sure I can’t find a legal loophole (erm, sweetie – it wasn’t a legal loophole I discovered … but I shan’t bore you with that hun ) OR if everybody really is getting the thrice over .

There was a bunch of documents that arrived on Friday to finalise the loan, and wouldn’t you know it, we needed a ‘qualified person’ to witness our signatures .  Not only did this person have to witness us signing the encyclopaedic stack of papers but once again do a 100 point check to verify we are who we say we are.  We were going to the country early on the Saturday morning, so it was a no go on signing them on the week-end.

Not that we could have signed them right there and then anyway – since going through court and studying a little bit of law on top – I don’t read things quite the same way anymore.  So off the documents went to the lawyer to make sure they were okay to sign.  (I’m relieved that the points I thought were not precise enough were picked up by the lawyer … ooohhh, maybe I will do really well with the law degree after all? ).

Well, hubby working at the mine always causes grief when it comes to anything involving business – since he’s only home on week-ends.  If it weren’t for his rostered Fridays off – we’d never get anything done (hey, even if the law said I could sign up stuff for him – I still wouldn’t … call me old-fashioned ).

Anyway – this left me with a problem – how do we get these documents signed so they can be sent off and this house finally gets to be our home?  There was only one thing for it … I would have to go back to the scene of the crime … I would have to go back to my Waterloo .

Hubby had offered to take time off work and come into Perth to sign documents, but that didn’t make sense to me.  I put on my big girl pants and my big girl shoes and headed down to Boddington.  I dreaded the thought, seriously, I was so worried about it I didn’t get much sleep the night before.  At 5am I sent off  down the highway and wondered how I would feel going back to the place that had been home for 18 years.

First thing I noticed on the drive there was that the closer I got to Boddington, the colder it was getting.  Outside temperature in Perth (according to the car haha) was 11 degrees C – by the time I turned off at the Boddington turn-off it was a cheerful 3 degrees C.

The atmospheric fog, thickening the closer I got – did not bode well, but at least I didn’t get that sinking feeling in my stomach so maybe there was hope for me yet?  Once I drove over the bridge, I was expecting to feel that twinge of sadness and regret at least … super surprised that this did not eventuate .  I parked at the Old School where we were meeting up to get these things signed and yes, there were some changes (the car park was sealed for a start – that was on the drawing board when I left), the playground was finished, other than that … probably the same. 

After we signed the docs (see, I don’t have to bore you with all the details, that’s just a vicious rumour someone spread about me haha ) hubby and I took the time to walk around town.  And made a stupendous discovery .

Ladies and gentlemen, boys and girls – turns out we missed the company of the people and not the place.  Yes, still totally p*d off about not being put back into the same financial position we were in before the bank crap but …. ta daaaa ….. we have moved on.  We’ve outgrown Boddington.  Talking to a couple of people I got the idea that their world still revolves around the same old same old, whereas, for me at least,   life has moved on, priorities have changed, because of all the crap I’ve been through, I am no longer the same, I no longer belong in the place – it’s no longer home.

So going back was a good thing, I got to catch up with friends, and I got to lay demons to rest.  Now I know that the past has gone thataway and it’s never coming back, I can live with the fallout and being p*d off about what happened … but I’m no longer stuck, a mighty weight has been lifted off my shoulder.

The plan now is to finish this degree (my absence here has been the need to complete assignments in time – and right now I’ve got 3 essays and a participation assignment deadline coming up … but those 5900 words will be made to fit the pages – whether they like it or not ..  Then I move on to the law degree and hopefully writing some really cool books that will make sure that people don’t ever forget the grief banks caused because they valued dollars over people’s lives; hopefully by the time I get to write these tomes they will be footnotes on the pages of history because this sh*t will have been laid to rest and all victims properly compensated.

For everybody still going through this stuff – hang in there, keep fighting, there is a light at the end of the tunnel.  Despite having finished with all the legal battles (hey, I even have an apology – too bad it’s not from the bank though isn’t it?  Would have loved one from them …) I still have sad moments, bad moments.  But as my trip to Boddington proved to me – I have moved on … and if I can do it, so can you.  And I hope that all of you get positive closure on this thing soon.

I’ll leave you with this link to the Toxic Loans story on Today Tonight

There’s been a few of these, but the Perth ones don’t get uploaded so I’ll have to find other copies to share.  If you head over to BFCSA I think someone put up lots of links to these stories – so do yourself a favour … check them out and don’t forget to share on Facebook, Twitter and any other social networks you use

I’ll see what other stories I can find … now that they’re finally being told hopefully I’ll be able to keep on top of the bank stuff – there’s something big about to break but timing wise for me, it might be awkward fitting it in with study (I know Ps get degrees but I don’t just want to pass – I want my Distinctions hahaha)  anyway, I will try to make the time to post all the good stuff on here as I hear about it and give you links to the source .

What next?

The reason I ask the question is because last week I succumbed to man flu … anyone who has ever been so afflicted knows that when the sufferer whimpers “kill me, kill me now” it is not a desperate cry for help … we are simply begging for a mercy killing .  Okay, so maybe I exaggerate somewhat about how ill I really am; but nevertheless, cogent thought and I are not best friends this week .

One of the really awful things about being sick though, is that it gives you plenty of time to think about things … and here in Rosie land – where every stuff up affects everything I ever want to do forever and a day … well, there’s lots to ruminate about .

We’re still waiting for official approval for our loan … a loan we shouldn’t have had to apply for if the regulators had done their job or the law gave a damn about that cute little clause about putting people back into the financial position they were in before you worked them over with your contracts …

Still, we decided to settle for numerous reasons despite the deal not being fair, equitable or acceptable – too bad there was no consideration for past and present “inconvenience” or the massive emotional toll this situation has caused.  Anyhoo – not to worry, it is what it is and it will sort itself out. 

But here’s something that I think fits the definition of irony … we can’t get approved for a small (relatively) loan despite not having done anything wrong.  Had this thing not impacted on our Veda file the really funny thing is …. today we would qualify for the (hellish) loan on full docs and be able to meet all repayments … hilarious right?  Yet we can’t get an itty bitty loan because ooohhhh, there’s a report on hubby’s Veda file

What a crap system we have – you’re screwed over if you don’t complain, you’re screwed if you complain, you’re screwed if you try to tell people about it – everybody else is screwed if you don’t.  I reckon maybe if I’m going to continue getting so thoroughly screwed over I may as well open that massage parlour … maybe the pollies will take an interest in me then?  Dang it all, if I’m going to get screwed I may as well get paid for it …. but it could be the fever talking – might be time for a Bex and a lie down .

It’s been busy times

Sorry about my absence … my studies have been somewhat – time consuming .

But there is such a lot to write about at the moment and I’m really not sure where to start … it looks like this is all about to unravel, thanks to the hard work of a few people who know the right kind of people and know how to use the leverage ….   cool stuff.

So I’m not going to write up a whole lot about what is happening – I’m not even going to add my own interpretation.  All I’m going to do is direct you to the BFCSA website and tell you to do yourselves a favour … get involved, get loud, spread the word.  This fraud has gone on long enough and it’s time to pay the piper boys and girls.

There’s a few stories about to hit the headlines – I’m still sceptical about whether the angle will be that the banks did wrong or that customers lied; pretty sure they’ll be blaming the customer as per usual … it sucks to be so cynical that you have lost total faith in the system.

Oh well, in the meantime I’m trying to get a handle on how to approach all of this now, since settlement, life has changed but my priorities remain the same.  It’s still about making sure this is investigated, that criminal charges are laid where they need to be laid.  No more covering up of crimes by the muppets.  I’m just not sure where to start … sigh.

Aaarrrgggghhh … this is so frustrating

So you’d think that having settled with the bank out of court we’d just be able to pick up and get on with it wouldn’t you?  Well, turns out the Veda system is somewhat stuffed – word to the wise – keep an eye on your Veda file.  While mine is clean (surprisingly) – hubby’s does have a notice.  Now, me, I’m a pretty basic person, I would have thought that when legal matters were resolved, all it would take would be a letter from the people who put it there and hey presto, notice gone.  But no go … it’s very, very easy to screw someone over and get a black mark against their Veda file – taking it off – well, let’s just say escaping the fiery centre of hell is easier.  At least that feat is doable … apparently getting your Veda file cleaned up requires far more blood, sweat and tears … and I’m not talking hypothetical – I think it also involves being able to prove the colour of underwear you wore for the last 5 years on any given day …

If you think that the end of your legal problems is the end of your financial problems … well, turns out, the answer to that is … not really.  I’m not sure what the go is here – I would have thought a letter really would be all it took.  I mean, it makes sense doesn’t it – someone reports you to Veda; they’re  serious enough to take you to court – and when it’s settled;, they send a letter to Veda and the notice gets taken off your credit file immediately.  No foul, no harm.

Our credit system is seriously screwed when it’s a simple matter to totally destroy someone’s credit; and this affects the simple things too … like changing phone carriers that might cost you $60/month.  It isn’t just big things they stop you getting – it’s simple, everyday necessities – anything that requires a contract and involves bills. 

You have to remember that we did nothing wrong … not a thing … we never lied on our loan application form; we never left anything out of our financial position.  We did not stuff up, we didn’t rob a bank, we didn’t go bankrupt nor were we idiots who were frivolous with money.  We simply trusted someone to act with integrity and work ethically.

It’s bad enough I lost my home, my life and community – now I’m being treated like a criminal and a bloody credit risk?  WTF is up with that?  We didn’t do anything wrong – we always played by the rules, we got screwed over and continue to be screwed over by a system that is obviously run by morons to benefit God knows who. 

I’m over it, I’m pissed off, but you know what?  Our crap Veda system is just another thing to add to my “to do list” – not that it isn’t overly long already, but shite; why isn’t it simple to clean a credit file?  Anyone would think we were master criminals. 

Yes, it’s nice to hear that I scare the bejesus out of the banks – but they full well know that if they don’t break the law then they have nothing to worry about.  We are not litigious people … but we do fight back when someone sets out to hurt us … and this latest assault is no different.

Although I’ve been told that we have tentative loan approval … not good enough – our loan repayments will be less than the rent we pay right now …. how is that a risk?  I’ll find myself a hovel to live in at much cheaper rent for the next couple of years while we ride out the Veda crapola.  I’ll work at cleaning up the Veda file to make sure that it won’t haunt hubby forever.

But as long as my arse points to the ground I will not, EVER, stop saying the banks are covering up employees’ white collar crime and if they’d bloody well had the first couple thrown into jail this massive shit-fight would never have come about.  Fuck it all – I will not shut-up just so I can live in a nice house with a mortgage … our system sucks and it’s up to those of us who know exactly how much it sucks, and where its faults lie, to point it out to the deluded masses who still believe our consumer protection laws are worth a crock of shit.  It’s not about protecting US it’s about protecting THEM – and I don’t know about you, but I’m over their shit.

anyway – take care out there in banksterland

 

PS – I did have a great holiday until this shit reared it’s ugly head – fuck – my last holiday was ruined by this shit as well – time to sort it once and for all.  No-one should ever have to go through this crap … just saying   (yes, I am a tad upset at being treated like a criminal despite being a victim … I’ll get over it – when the expletives start flowing … everybody knows things are getting tough again)

PPS– I’m thinking of doing something big to raise some heavy duty cash to not worry about getting a mortgage … wonder how much people would pay me to keep my clothes on?  Bahahaha – okay, maybe push the book which I conveniently published before we settled with the bank?  Now, wouldn’t that be great … wanna buy a book?  It’s really good LOL

About my paper

Not sure how I feel about this, but it turns out the conference paper I’m working on (you know the one that gave me the poops when everything changed in the last minute?) – well, found out yesterday that it will be uploaded to Google Scholar – and previous students efforts have been cited by other scholars … gulp!

Oh well, at least I know before it’s finally submitted, so I can make sure it’s just so … not that I’ve written anything that is problematic … the basic premise of the paper is that you can be a contributing member of an online  community without realising the community exists.  The paper explores the number of mutual connections that exist between those of us trying to expose bank corruption and ensure we get that Royal Commission into bank malpractice. (the original piece was online activism – it takes more than an online presence to change the world …)

Oh well, anotheer week in paradise (well, sort of … if paradise smells like an open sewer and is full of mozzies bahahaha )and then it’s back to the old grindstone … and working on this paper to make it really spikky and acamademical woohoo.

Catch ya’s later … oh, and take care out there in banksterland

Why are we waiting?

I haven’t been ignoring the blog … on the contrary, I’ve been putting together some info but have to wait for other things to fall into place first … funny how I have to wait for others to do what they said they’d do before I can add my little bit … le sigh.

Anyway, I thought I’d be able to do the “well, here we are, back with a mortgage” blog post … and you know what?  We’re still waiting to hear back from the bank.  Now I know the bank that shan’t be named got away with a great deal – they got a win and by the look of it … we just got screwed again.

I could go on a rant … I really want to because, well, isn’t it about time I got a chance to just forget about all of this crap?  Am on holidays and it’s not very relaxing I can tell you … bloody banks; maybe it’s time we did something about them all?

If you’re keen on helping; here’s the address for the latest BFCSA petition to get a Royal Commission – I’m not entirely happy with the wording (since our loan didn’t fall into this specific category but the ‘how the scam works’ is the same).

http://www.change.org/petitions/royal-commission-into-banks-and-mortgage-corruption?utm_campaign=new_signature&utm_medium=email&utm_source=signature_receipt#share

Hopefully there will be lots of criminal charges laid in relation to all these loans … I am not happy that everybody who screwed us (everybody us, not my husband and I kind of us) over got a pass … you do the crime you should do the bloody time.

I’m also an equal opportunity type of girl … everybody involved int he cover up can go to jail and all … either that or we shall borrow le guillotine from le French and sort le crims out ourselves … all those in favour say “aye”.

The fraud of language

Today’s post isn’t going to be big … I drove to Wandering today to take the cat on his holiday, and well, I’m knackered now.  On the drive I did a lot of thinking though.  And I thought about this fraud the banks do and wondering how on earth they get away with it and what to do about it.

Personally I’m all in favour of asking the French for their guillotines – but I suppose there’s some wussie PC brigaders who would tell me that’s not the answer … talk about spoiling a perfectly good revolution .

But I’ve been thinking about not just how the banks had the temerity to develop this cute fraud they have going, but also how they get away with it.  There’s lots of evidence that points directly to some employees of various banks who believe they actually are a part of the mafia as opposed to being employed by a bank.

Matt Norman has spoken of his computer being hacked and he’s not the only one.  There are people who know their phones are tapped; there are criminal investigations going into a few cases – and even though I would like to name the banks involved and the actual cases – I did promise that I wouldn’t give identifying facts … just in case the banks get wind of the particular details they should be covering up and the people involved.  I’d love to talk about the bribery but no can do … it’ll all come out in the wash I hope.

Anyway, back to language and fraud and the fraud of language.  By the look of it, having read through some cases, there’s a clever bit of word usage going on to hide the facts of the case within the language … it could be read one innocent way if only you use this word instead of that word.  And the banks’ lawyers are pretty good at abusing the language to ensure Judges are given every opportunity to rule the “right” way.

Al Capone was brought to his knees, there’s been revolutions that destroyed the great and powerful – we are due for another round of change … and Australia has never really had a proper revolution – but we are about to.  It’s time to throw out the garbage.  There are a few names within banking that continually come up – people who will be as famous as Mr Capone himself … and hopefully rot in hell for their involvement in the biggest fraud the world has seen.

Either that or there’s rumour that a more forthright revolution is indeed on its way – the cops are tired of the legals who protect criminals, the people are tired of regulators protecting the criminals.  Maybe I’m too tired and allowing day dreams to rule my happy bubble … but maybe I have come to understand that there is an army coming together to take back the law … hope my happy bubble is right .  Apologies for not having the energy to do a well-researched post with references and all – but exhaustion has hit and I do want everybody to know that the winds of change are beginning to blow … very gently at this stage … but about to kick up to cyclonic conditions … watch this space

oh, and take care out there in banksterland