I hate the nab

From:
To:
Subject: FW: Reference SR 1-2707745419 Thirup Repossession Case.
Date: Fri, 19 Aug 2011 10:28:33 +1030

Goodmorning please make sure that Your CEO  and all Directors are aware of this email as a matter of urgency as this email is about to travel  Australia and Worldwide.
 
 They will not appreciate it when they may choke on their cornflakes when this hits the Media each and every way possible if they are not informed.

 THIRUP CASE FOR REPOSSESSION       Without Prejudice

 My family lost their home in the Equity Division of the Supreme Court yesterday in Sydney, remember me Mrs Thirup.

You will never forget me from today. I will try to raise finance to battle on, mark my words well.

This is my negotiation

EXPOSURE

 Well I know you acted on my information regarding an Organised Crime Syndicate I had unearthed  these felons which included NAB Officers. Blind Freddie could see this major fraud perpetrated upon the Thirup family included one of the major syndicate figures .....the NAB Officers. Fraud, Fraud, Fraud.Forgery,Forgery,Forgery.  IT could not work without internal NAB Officers could it?

 It was the NAB's money i.e. the Customers and Shareholders money.

As so many times before the NAB had decided to shaft the blame away from the NAB to the NAB Customer ME.

 NAB being VICTIMS after this information will not hold water.

Well lets see. 

MRS PATRICIA THIRUP'S CREDENTIALS

Owner of Researcher/ Investigations Unit, all  voluntary or pro bono work,

Researcher and Commercial Mediator..... Accredited with the Australian Commercial Disputes Centre.

I semi retired due to ill health and work load and took on a small business assisting my local area and local schools with affordable school uniforms in 2001.

Still working on  pro bono cases and volunteer work for people in financial stress and looking at Court Cases that have gone very wrong in the eyes of the person that is giving me their information. I am overloaded.

Extremely active in my local area as a spokesperson for the Community due to a forced South West Growth Centre Plan that included local well known DEVELOPERS  see local newspapers to the Names of these people and Police Records of recent times.  But no input from community until I came along.

Numerous meetings with FRONT BENCH Ministers both in Opposition and sitting in Power. Many Submissions to both Federal and State Parliaments in which these bodies requested my input on behalf of the Community. I could go on but will stop there.  The previous Labor Party and Planning Dept  particularly Mr. Sartor knew me very well and all the Labor Front Bench also. When on one of his  business phone calls to me  MR. JOE TROPODI STATED.... quote " You are not a little grey haired lady as you so describe yourself .....you are in fact a very FORMIDABLE OPPONENT for the Labor Party. You are often discussed in Caucus." unquote.

Also featured in Royal Commissions with Investigation materials, Major player in Research to change some Government Legislation was crafted particularly SOILS and their Grading due to my input.

Research regarding compensation claims for well over 100 people for Defective Homes when the Carr Government came to Power. I can go on and on . If you require more I will give a list of very prominent persons that will very quickly vouch for my character and credibility. Maybe to reach certain goals ,just like the Court Room Barristers you must play the game!!!!!!! to gain a certain outcome for the population in general. Read into this what you will.

 Walk in my shoes comes to mind.

Now I must continue.

I also know that the Police  acted upon my information as to the criminals that moved from 87 Ware Street, Fairfield. It was my investigation  that found their new address hiding at the rear of  99 The Crescent Fairfield from Merryland Motors ASIC information. Speak to Beth Stacker about that.  I also informed your Head Office in Sydney of their activities and I came to your Office   to get my loan resolved as it was fraudulent and forged  ON 24TH JUNE 2009 concerning MY Loan of 2008. I had all the paperwork to prove this.  I was aware that internal NAB Officers were involved at this point in time. How can your bank ask for the Interest on my loan at the rate and timeframe they are?

 No Action was Taken to assist me it was a lost cause. WHY DID THIS HAPPEN?

Be honest for once the NAB had no Policy in place to deal with Customers walking into your Head Office SYDNEY accusing the NAB of MAJOR FRAUDULENT CRIMES AGAINST ITS CUSTOMERS. .....THE NAB FROZE

The NAB has not only took my home but my business , my marriage of nearly 50 years, my sister in law  that lived with us for over 28 years in death who witnessed your NAB Officer offering a major major bribe to me to keep my mouth shut and to re-arrange my loan BECAUSE HE THOUGHT I WAS A CRIMINAL ON THE FRINGE OF THE ACTIVITY. Like Beth Stacker he was WRONG ,SO WRONG.

 I have serious health problems  but a major mistake you made was that  you attacked my credibility. My sister in law is now dead and I lay much of the blame at your feet but were you lucky or not,..... maybe she left a document .........

 Now I go PUBLIC. 

   WELL DONE YOU SHOULD BE SOooooooooooo PROUD OF YOURSELVES.. Take a bow. But watch this space.

This is not blackmail this will be the truth.  FRAUD, FRAUD, FRAUD and Forgery many times over perpetrated by the NAB Officers against the THIRUP Family and many, many other families out there.
 
Beth Stacker  NAB OFFICER Sydney NSW acted upon the premises of 99-107 The Crescent Fairfield to repossess.  I hold all paperwork on this one.  Very strange this one. Beth Stacker knew of signature forgeries which substantiated my claims she was aware well before wasn't she?. Also my information allowed other shelf companies to be taken out of action and the NAB repossessed them all at great financial benefit to the NAB. But too late the scams had already occurred with the inside help of Gary R. Chan NAB Officer and other internal NAB Officers The NAB were travelling on a course of COVER -UPs  I will allege.

 TOOOOOOOOO late I gave the information to the Police on many of the Companies and properties you Repossessed. I have all the information for these Companies and the many, many  LINES OF CREDIT  the NAB Officers gave out to these bogus Companies and bogus Directors.

ASIC is a wonderful tool for INVESTIGATORS like myself and my Unit.

But now is the  major down side for the NAB, many of the families I have interviewed in my investigation has stated that the loan was not what they had asked for. They were placed in loans that they knew at some time in the future they would not be able to service but were unsure as to how these loans had arrived at the state they did. They blamed themselves mostly for not understanding properly. They took extra work hours etc to accommodate these unjust loans. Until the whole debt overwhelmed them and either they sold, were Repossessed or a marriage break-up ensued. Children scattered to the four winds. Guess how many broken families may be waiting in the wings.

 Well done NAB. you must be proud of yourselves and the BOTTOM LINE in the Financial Sheet.

Bugger the small families left behind in the carnage. Collateral damage only. ....Broken families....everywhere...... sleep well tonight , On hearing these horrific stories I have not slept but put my mind to resolving this major problem and I will.

NAB STAFF.

BETH STACKER NAB SENIOR OFFICER/MANAGER HEAD OFFICE

Beth Stacker in 2008 was also told by solicitors about the crooks that NAB was working with she was also told about Gary R. Chan NAB Officer being involved at a very Senior Level in this Syndicate.

Why no action. I also tried to tell her many, many times in 2009

No action  ever. Funny that uh... I bet she has selective memory on this point. Or, maybe ....I can't recall.....

 I will alledge

SYSTEMIC FAILURES THROUGHOUT THE NAB RANGING  FROM DIRECTORS SENIOR EXECUTIVES ,SENIOR MANAGERS INTERNAL EMPLOYMENT STAFF DOWN TO BANK CLERKS.

 Evidence will now flow forth if I am able to gain a Parliamentary Inquiry proving systemic failure and the NAB were not Victims as they present themselves  from information that has been bought forth from ex staff of the NAB and Police information and other Sources.

INEFFICENT AND INEFFECTIVE PRACTICES AND POLICIES WITH REGARD FRAUD AND FORGERY INTERNALLY.

1. RELYING ON DEFUNCT POLICIES AND  INTER MANAGEMENT PROTOCOLS THAT SHOULD SIGNAL PROBLEM AREAS IN THEIR EARLY STAGES.

2. INEFFICiENT IDENTIFICATION OF IDENTITY FRAUDS AND FORGERIES.

3. SYSTEMS OF MISMANAGEMENT THROUGHOUT THE LOANS DEPARTMENT.

4. NEVER RECTIFIED WHEN COURT CASES KEPT POPPING UP  WITH IDENTITY FRAUD AND FORGERY OF DOCUMENTS. NO INTERNAL INVESTIGATIONS OF SUBSTANCE CARRIED OUT.

5. THE BANK WAS ALWAYS RELYING ON THE VICTIM  (that being the NAB) STANCE or BENEFIT (for the home owner).

6. A LACKS ATTITUDE THAT ALLOWED UNWARRANTED AMOUNTS OF FRAUDULENT ACTIVITY TO TAKE PLACE BY BANK  EMPLOYEES.

7.THE POLICE OPERATION IN QUESTION THAT INVOLVES THE THIRUPS  AS WELL AS OTHERS  AS VICTIMS IS WELL OVER $100 MILLION.

8. HOW DID THIS HAPPEN? No effective Internal Structures for management reviews and actions.

 I will alledge that the NAB solely relied upon their Legals to carry them through all their Repossession Cases, apathy was the order of the day, no proactive measures do not seem to have been taken. Attacking the credibility of the person that was to be repossessed was /is the order of the day and appeared / appears to be a fruitful avenue in which the NAB could easily manage their problems without proactive measures taken to stop the fraudulent systems  growing and mushrooming in the NAB......

Well, now we will see.

Judges in Equity that had a very narrow perspective of the Cases and no vision portrayed for possible additional lines of thought. I will also shaft these claims to the Court System as it stands. I watched in horror my Case and the routine that follows in all Repossession by the NAB. I hoped that I would have a Judge with at least a meagre amount of open mindedness, I was disappointed. I believe he erred in his Judgement. Time will tell.

Judge Johnson and his Judgement

He did not turn his mind to an exception to S42 indefeasibility of title is FRAUD and there is an issue about whether or not the Thirup Mortgage is forged -something JOHNSON J made a factual finding on at the interlocutory stage which must be made at the FINAL hearing on all the authories.  Now that throws a different light on how our Judges are looking at many of these Cases. I will be reviewing all my case load on hand.

Many of these financial fraud and forgery victims do not have the money to take their Claim any further to the APPEALS COURT and so their claim was lost, maybe this should be tested at the Appeals Level? It certainlt assist the Parliamentary Inquiry I hope to raise.

Ex- Bank employees are available and willing to give evidence to this effect, of gross mismanagement and fraud and forgery inside the NAB loans Department. Their only recourse was to leave so they did.  

Where does this leave this Judgement?

The Thirup's will be calling for a Parliamentary Inquiry into the Banking Industry and in particular the workings of the NAB with regards fraud, forgery and repossessions to allow under Parliamentary Preliedge for these ex bank employees and others to speak.

The man purporting to be GARY R. CHAN NAB OFFICER. He drove to my home does he have a Driving Licence? Does he even exist?

WHERE IS GARY R. CHAN? Even the JUDGE wondered where his Avidavit was but did not press for it. Why not?

Shall we say maybe Gary R. Chan was not his real name and maybe his credentials are also unreliable on a NAB business Card. Maybe he was working in the NAB under an alias, along side his other operatives in this Organised Crime Syndicate. Can a person sign a Avidavit under an alias? I leave the NAB to answer that one. Also was Gary R. Chan employed under false and fraudulent credentials? Why will the NAB not allow these employee records to be viewed by my Solicitors? Please don't use The Privacy Act as an excuse as the NAB didn't seem to adhere to them when they involved us.

Where does it leave this Judgement? Gary R. Chan was the NAB Officer involved in the Thirup Loan.

Mr Chan's employee records/ credentials do bear weight in this Court Case and should be produced, the only reason one can judge from holding out from our solicitors is security of this information. We will therefore take note from the ''Mules" that this man working in the NAB was purporting to be Gary R. Chan until documents to refute this claim are produced. Is he in custody under his real name or has he been bailed to appear for fraudulent offences under his real name with aka Gary R. Chan beside it?

The NAB should answer these questions when the Thirup's are maintaining fraudulent/forged paperwork contrived inside the NAB.  Also has this man simply vanished using his real name or any other alias. Maybe Hong Kong or Perth is where he could be found. The "mules" have indicated both.  If he drove a car what licence did he use?

Victor Sumitra with 53 alias is always working with his accomplice NAB Officer but this person is never named.  I CAC does not even name him.   Very very odd? Do these two men travel together and set up shop in another State. The short answer to this may well be YES. There is a Warrant out for the arrest of the man purporting to be Victor Sumitra/Summit in VIC/ACT/NSW and maybe South Australia. Is there also a Warrant out for the man purporting to be Gary R. Chan in his real name also. To make these loan scams work there must be someone inside the Bank.

Blind Freddie would know this one. One can't work without the other at such a massive financial scale.

The Privacy Laws never applied to our family when they gave all our paperwork to an outside Mercantile Officer to collect a phantom Bulldozer and Excavator from our property. Rules for one and not the other. Oops I forgot the Bank are allowed under law to give information if the Bank have reson to believe that the person is a CRIMINAL. This will be argued at a later date. I do not even have a point taken from my Driving Licence. I have NO CRIMINAL RECORD. Questions here must be answered.

The Judge did not press for any information on Gary R. Chan but the Judge thought about it, mentioned it but took no further action. Odd !!!

But it was  easily pointed out to the Judge by the brilliant Defence Barrister Mr. Peter King.

The Bank's reply seemed to imply we are the Bank , we are above the Law , we do not have to give  anything to the Court and from the way the Judge handled the Case he believed it to.

 It was a sausage machine case..... same as, same as, very disappointed in our Judicial System in this Court.  Things must change with this regard.

Well, as NAB you state in no uncertain terms that you are above the Law of this land but just for the Customers of the NAB  where is Gary R. Chan?
 
 Well now the battle really begins.                        Without Prejudice 
 
Facts and also information that has been given to me willingly, by ex- employees and  members of this Organised Crime Syndicate and Solicitors/ Barristers associated with this major problem. My story is going  to the Australian media,world wide through internet and all other Media means. 

The TRUTH will out.
 
 
The truth must out. Your Gary R. Chan NAB Officer attended my home (that is now yours by fraudulent theft) on 17th December 2008 and stated "BUT you are real" well now everyone understands that comment, he was fully aware he was dealing with loans from this Organised Crime Syndicate of which he had to have been a member A SENIOR MEMBER. He was aware he was passing loans for PHANTOM Excavators and Bulldozers and other loans with Companies that were $2 dollar shelf companies that suddenly had accountancy tax records that made them worth millions, Directors were pure fiction most of the time. Federal Police were to tell us ...these people have neither entered or left the Country. One person had never left China but NAB OFFICER Gary  R. Chan had been a Witness to this person's signature in Sydney, Funny that  Uh....quite strange really. 

 But I am sure the NAB will have a very plausible answer. Maybe space ship entry and take off. No Passport needed.
 
Did he have a financial incentive  to do this other that outside  payments ? The mule stated... he took commission it was then told how.....
He took it as the Commission that I was supposed to have paid to Macsak Holdings in a bank cheque from the Thirup Bank Statement. All fraudulent. He took this money from the account he opened in our name before we even knew, the money was gone. Plain simple theft. 

The sole Director of Macsak never received a dollar. Strange that. Who got the money then it certainly left the Thirup Account.

Judge not interested. sausage machine mentality.This must be bought to the attention of an Inquiry.

Oh I forgot, theft seemed to be the order of the day except the NAB Officer did not tell me he was doing it to us.

This could not be shafted home to Victor Sumitra or Mortgage House this was internally in the NAB. But maybe Barrister Price for the NAB will have a very genuine explanation or simply none instead opting for the well worn phrase the bank is above the Law would apply and not be challenged by the Judge.
 
In Court the Barrister for the NAB Mr. Price for over two hours waffled on about Mrs Thirup's CREDIBILITY yet right behind him sat one of the MULESand a SOLICITOR that had given us all the TRUTH that will bring down the NAB Officer Gary R. Chan and we believe the NAB. Time will tell.

 As to my Credibility shoot the messenger was the order of the day.

The cheek of this man if I could get him disbarred I would. But again he was only doing the job for the NAB, same old, same old defence it always worked. Money for old rope. Sausage machine work load.

He was determined my Case would not go to trial in the Court System, well lets take it to the Customers of the NAB shall we and see how your customers think on this issue.

Fair game for everyone, he certainly went after me like the huntsman/sportman he must be. Now it is my turn.

 
There is nothing the NAB can do, you, have stripped me of everything I own, except my mouth and the truth I too am a farmers daughter and grew up to learn to hunt down my prey. My turn, but I do it with investigation work and factual information not fanciful banter and playing the actor on stage in Court Rooms.

Lets see who does the better job from today.
 
The company in my Case is  the company Macsak Holdings that this NAB Officer Gary R. Chan had been working with since 2007 or before. We have the paperwork ,I have a box full of contracts (copy stamped on them) and loan contracts secured before the moon light flit from Mortgage House Fairfield in December 2008 to  the rear of 99 the Crescent Fairfield.

Gary R. Chan was on a very good financial wicket we also know the money was transferred to Hong Kong through someone else's account. Millions of dollars.  In the next installment I will endeavour to show you how the NAB's  internal bank officer transfered six million of NAB money/ customer's money to Hong Kong and then transfered it back and what happened to these funds. Another day another time.  But it is coming, mark my words. For the uninitiated it is called Money laundering.

All of our information has come to us via investigation and prolific work in the Land Titles Office as well as informers coming forward and ground work that have cost the Thirups many thousands of dollars. not returned YET

We may have information on $ millions but this  will come out as soon as the NAB loses front page news just to give you extra publicity. What do they say any publicity is good publicity. The NAB customers  that will be left will be waiting on every new episode. There are many to come. I am on stage now. I have factual evidence to support my information. I do not attack the messenger as the NAB has done to me, I produce the factual evidence and try to resolve issues as they arise.

Wait till they know the rest  of the information I have in my "box."
 

The DPP Gabrielle has told me that all is O.K. to let fly with....... so here is

 Episode 1. 

The latest information is that one of these members in this Crime SYNDICATE has come forward and stated  that NAB OFFICER Gary R.Chan was "our man in the bank". Oh, I forgot the law as it stands allows the Bank to get away with this one. The NAB was also a victim  Mr. Price  Barrister mentioned it in Court. Only a victim when the NAB had no knowledge of these loans.......Many ex bank employees may differ, it is called "turning a blind eye" for the sake of a DRIVEN TARGET Financial Policy.

Senior Executives were aware of FINANCIAL TARGET DRIVEN METHODS. As ex employees mentioned to us numerous times to meet targets it was virtually a "given" that they knew loans were "tweeked" and obvious financial paperwork that otherwise would have been scrutinised was "conveniently" overlooked for TARGET reasons only.  Due care anddiligence were a thing of the past I was told. Target, Target Target. Nothing else. Must reach target it should be noted how the loans go through the Companies we have researched. Always at a certain time of the month. There is a pattern to follow. Easy when you are skilled  in this type of work.
 
Why did Gary R. Chan attend the Thirup premises uninvited/ no appointment and walked all around it before coming back to the front where I confronted him on the 17th December 2008 at approximately 2.30pm. Maybe it would be a good idea to check his work record to see if he took time off for a friend's funeral in Fairfield, A Buddhist one at that and then it travelled onto Leppington  Forest Lawn Cemetry for the remainder of the service. To make things even easier maybe the dead man may hold a key with the relationship to Victor Sumitra/Summit or whoever....  One would suggest a simple look at his diary...maybe or employment record, a day given to attend a funeral perhaps.

Also Gary  R.Chan when he was about to leave my premises  offered me $100 thousand in CASH just after he had introduced himself as Gary Chan of the NAB and given me the bogus Business card. The money was for a reason, if I was prepared to keep quiet and he would change my loan yet again. How would he have been able to do this?

Well he could do the rest  like removing millions of dollars from your NAB without the NAB knowledge, I  simply underestimated him but the NAB grossly underestimated him for years. I firmly refused his offer.Silly me. But I am an honest person. silly me.
 
Well firstly where would a Loans officer get that type of money...oops, I forgot it would have been from the phantom Bulldozer that had been taken out against my husband's name and David Skelton the mercantile officer employed by NAB was looking for it when he rang me. Also the Excavator, well we  now know so take them off our Veda file.

 TOOOOOOOO late we know about the  Lines of Credit that was taken out after ours and many other peoples  loan applications were discarded and another load of Tax records replaced them and the loan scam came into play orchastrated from the NAB Officer. It had to have been done in the NAB by the Officer.

Our own worth was inflated "tweeked"  the 'MULE" has told us. Pactas ACCOUNTING IS NOT OUR ACCOUNTANT ask Gary R. Chan in how many loans did this Accountantancy firm appear. We have several in the "box" The NAB  must have hundreds maybe thousands.

But I forgot he can't give an avidavit (Gary R. Chan ).... can he? As he no longer  appears to work at the NAB and appears to be M.I.A or has taken off in that space ship again. All the others involved strangely enough have disappeared too...seems like they may all be in the space ship and giving Richard Branston a run for his money on who gets to travel in space first....Virgin or NAB ...never mind.... if Gary R.Chan uses the NAB logo as he did on his bogus business card then at least the NAB will get some more publicity, one has to wonder if the NAB has financed this getaway!!!!!!!! 

Did the NAB stand them down, were they arrested or did they get out quick? But the truth of the matter is that they were in the NAB and were employed there. Oh, Oh.... I forgot the NAB were Victims so said Mr. Price Barrister for the NAB.

Once or twice but for over 10 years the same excuse will not wash with us unless systemic failure is present in the NAB. 

The proof sits there.
 
This  inflating "tweeking" the assets and financial worth and subsequent loans taken out fraudulently has been the reason we could not remortgage and Gary  R. Chan told the panic stricken mule (who was scared of flying, hence is still here on Planet Earth) that this person was to and quote "keep your head down and it will all blow over, Mrs. Thirup can kick and squeel as much as she wants but I FOLLOW NAB POLICY whether it is fruadulent or not I pay out the previous mortgage.  Mrs Thirup is hooked and then trapped. She will lose her property. Organise someone to buy it at auction that home should be a goer" Now will he be organising to buy my home at the lower rate that the NAB will accept with the already laundered money that is safely back in this Country. I am watching the moves very closely. It has been done before.

So this NAB OFFICER knows how the NAB internal banking system works and there is never going to be any changes . If you do, maybe you are looking down the barrel of many, many compensation claims and so you should.

But if the NAB thinks they are going to take my home ..... wait, the best is yet to come...... Could the CEO and all Directors of a Company be charged with being an accessory before and after the fact of a criminal offence? We will be checking this one out and I will personally draw up the Charges. Enough is enough I have sat and heard too many cases of Repossession.

 This has been happening since 2002 we have been told and the NAB has taken little or no action to prevent it until now. Things are changing this year 2011. Seminars in Sydney featured your Compliance Officer from Melbourne (the English guy) giving a speech. Very informative.

But what happens to all the little families that have lost their homes in the mean time? A simple check of their Veda File will let them know if the grubs in the NABhave been placing loans against their names in the last 5 Years anyway. Did this prevent them remortgaging out of the mess they found themselves in like the Thirup Family. The Thirup family will urge all people that have a NAB loan to check their Veda File regardless of the type of loan they may have. This is where the NAB secrets all came out.  But I forgot the NAB is above the Law and they were the VICTIMS..... silly me.

 Oops .....So sorry for my ignorance. Gary R. Chan was simply going to give me back some of the frudulent money he had obtained as a NAB Officer from our good name through the NAB loans he had taken out. Please look at our VEDA CREDIT REFERENCE FILE. You have it , it was given to your Barrister Mr. Price yesterday. The NAB/Barrister Mr. Price has refused to remove them I am informed. Well maybe they need to know that the Organised Crime Member that has squeeled has told us and then the world will know, that Gary R. Chan actually attended Mortgage House Fairfield and helped to prepare all documents for the frauds so that he could circumvent the Veda Credit Reference File. He knew every trick in the Financial book to never get caught and he was a NAB employee. So sorry but the NAB was only the Victim ......forget the person losing their home.
 
 Also at the meeting with Mr. Smith in your Sydney Office infront of Mr. Smith I asked Gary Chan if he knew the premises in Fairfield and he stated he did and had he visited, he stated yes.  The "mule' was telling the truth then. This person had already given the Thirups much information. Where was the minutes of this meeting in the documents at the Dibbs Barker solicitors Officers. Gone... all gone.... I am not surprised!!!!!

Try fitting a few Bulldozers and Excavators in the car park of Mortgage House 87 Ware Street Fairfield. They would have been stacked 14 high. Look on Google Earth for the car space. Yet on the documents in the NAB's possession the location was 87 Ware St Fairfield. How did they do it without this being noticed? Ware St is one of the major roads in Fairfield. NO due diligence at all in the NAB. A joke. Oh.. I forgot they are the Victims .........silly me again.

So from that deduction on the phantom loan taken out on our Veda Credit File it must have stated that that Bulldozer and Excavator were LOCATED at 74 Gregory Road Leppington. Mr. David Skelton  Mercantile Recovery Officer working on behalf of the NAB asked me where they were working, on what site so he must have seen documents that told him where the normal location was.

Game is up!

We will not be waiting for the Police to finanlise their work and  I am not going with my information to anymore Court Systems only a massive Damages claim and possibly the APPEALS COURT.

The Judges in  The Equity Division do not want to listen to the Truth of our claim only that the NAB are the Victim of all these fraudulent transactions. Not the poor person that has lost their home through no fault of their own. Well, the Bank are above the law, they say so. Things must change.

I am going to the NAB Customers via whatever method I can.

The Police are also not worried. I have my Event number that Mr. Price Barrister for NAB stated was low priority in Court. This was in Camden because a new born baby was found dead on the Local Tip. Well they asked me to go to Fairfield where I became a little higher up the Scale. The Detectives attended my home and I gave them copies of all my Research and Investigations. I am highly skilled in this area.. Well lets see and wait a while on that conclusion of low priority Barrister Price.

It is my beliefthat the Police hope it will flush out more of these Loans that your Gary R. Chan and the NAB have provided. This could be constrewed as a Public Service I am sure your few remaining customers will think the same.

 
Also many other members of your Bank were aware of these loans going through he was not alone. We have many other names. The NAB was driven not for customer satisfaction but for financial TARGET. To gain TARGET many inconsistencies were overlooked to reach financial TARGET. Previous employees are also now coming out of the woodwork as they are appalled as to the treatment my family and other families have  received. They have openly stated that they had to "tweek" loans as they did not fit requirements  and should have been refused but TARGET was always uppermost in their minds to preserve their jobs. When the opportunities of redundancies came these honest people took the chance and left or fled which ever word is appropriate. NAB and their internal DRIVE and PROTOCOL left a sour taste in their mouths they state. When we are able to gain a Court date for damages all of these people and more wish to be called as my witnesses. Many will be ex NAB employees of years gone by but this will not happen I am sure Barrister Price will have some reason to give the Judge the idea they have no credibility..... he is extremely good at that at the moment.
 
In a financial TARGET driven environment existed an unhealthy need that drove some people to extraordinary lengths I have been informed.  No promotion, if financial TARGETS were not up to requirements. Sell, sell, sell financial products from the front bank clerk upto the Senior Loans Managers. Pressure, pressure, pressure. Short cuts and oversights and down right fraudulent activity.

After the King Bros phantom bus debacle in 2002 the Organised Criminal Syndicate were watching what was to happen. The NAB although they had been embrassed with 283 PHANTOM buses that had been financised for financial TARGET to be reached. No NAB Officer bothered to go and check if they were REAL (at least Gary R. Chan when his cover was about to be blown came to check if I was REAL) I have been informed that NAB was the laughing stock of the financial world. But to make matters even worse the NAB was the only Bank  that did not put in place TRIP Wires to see that this JOKE did not happen again. In fact I have been informed the NAB simply relied on their Legal Teams to get them out the mess and of course they would be able to pick up the left overs. The homes of the people and then there was the INSURANCE PICK UP very lucrative. I also have been informed by another insurance person. Six times the Repossession Value. So this brings a valid point as to who really does receive a BENEFIT! Maybe the Judges need to be told of this act.

So the BENEFIT of Repossession goes to the NAB not to the poor person about to lose their home because they would not enter into Criminal activity and make payments on a fraudulent Loan. That is what I informed Beth Stacker in Fed. 2009, I had found out the criminal activity and this is why I refused to make a payment. I required intervention immediately.

 It never happened. Of course she is still here , she should be called to give reasons she chose to take no action as stated on our Complaint File.

I forgot, is it the INTEREST you are calculating on my loan. The NAB could have easily started repossession proceedings much much earlier in 2009 but the NAB didn't. ...... I wonder why? Did I have too much equity in my property and the NAB needed to eat it all up? Yes, is the answer to this question. The NAB wanted all my equity, and Beth Stacker was in control of my file. Where was Beth Stacker's Due Diligence in resolving this debacle?  Nowhere because there was no policy in place. I have been told, so I was simply left for the Legals. A disgraceful situation, systemic failure of the worst kind.

Maybe you should be looking a little closer at other members of your staff. Why didn't Beth Stacker move me onto another area such as fraud/compliance branch when she was informed of organised crime and fraud in Jan/Feb2009. These questions must be answered. She thought I was a criminal... didn't she? I am not.

Maybe the NAB should be taking a closer look at their own staff. I also made an appointment and came in to the Main Sydney Office why wasn't action taken at that point in time? The NAB had their Legal team there Dibbs Barker and their Compliance Manager still nothing done. WHY NOT?

Why, there was  no systems in place to do anything is the truthful answer. Customers do not generally make appointments and show you organised crime in your bank...do they? There was no systems in place to deal with what the Thirup family put in front of the NAB. I will take a punt it had never happened before.

               Total Systemic Failure in the NAB in 2009 and no better today 2011

Don't be scared allow me my day in Court always remember it would be David against Goliath but the truth would pervail
and as history has shown David won.

 
Also another Mule has told us that it was Gary  R.Chan that fine tuned and made the loan crime so sophisticated and basically continued where the King Bros left off . It was him with the help of Victor Sumitra/Summit that made it a near perfect mechanism to put through the NAB. This deal was then sold and spread like wildfire as it was near perfect. Now, could we have in our possession paperwork whereby a lady's 100 points is changed into a man and then a loan is granted by Gary R Chan?

We have been told by the mule that Gary R.Chan was always aware of these many transactions. Where would you find them in your Bank? But many many illegal immigrants could now be legal, courtesy of the NAB and their inflated mortgage loan and a 100 points guaranteed.

So it makes interesting reading when a member of a bank  could have knowingly accepted documents that covers up the true identity of a male person and gives him a loan with 100 points that hemay have known were manufactured. Could this man have been an illegal immigrant or a criminal needing a new identity perhaps?

Maybe or maybe not,do we have many of these loans and the word in red ink COPY stamped on them? 

 Allow us our day in the Appeals Court before you act as thieves and send the Sheriff to evict us. Take the fraudulent loans from our Veda File become men and accept responsibility for your actions and give us the chance to remortgage. But then we will sue your Bank for Damages with the media in the Public gallery. I was overseas at my sister's funeral when our company name was changed and I have been told that we were about to go through the sausage machine and Gary R.Chan was organising what was available to be done.     Believe it or not......

Also maybe we have the original document from the Valuer for the one and only Bulldozer and the one and only Excavator given to us in the "box". Always remember the Police have stated that over 260 people are involved in this scam. We have only found the ones that will assist us, maybe you should go out and try to find the ones that may be able to assist you....... Happy hunting.

I am extemely skilled in my job so this work was easy. May the best man win.  I started within weeks of my loan going very very wrong ,when did the NAB start there investigations and were you cooperative with the Police or not? I suffered a serious medical problem and fell off the work schedule but I soon got back on and I have not left this Case.The major breakthrough came from the phone call from David Skelton Mercantile Recovery Officer. HEAVY EARTH MOVING EQUIPMENT.

We have been informed that Gary R. Ghan was aware that the Crime Sydicate was simply changing the serial number and the hours worked. Infact he was the major player instructing what had to be done. But of course the NAB were the VICTIM as we are constantly told. Well think of the battered wife's syndrome, and use this  EXAMPLE on your own Bank. You stay because it suits you and you are afraid of what awaits you outside. So the NAB keeps taking these frauds the same as a battered wife takes the beatings. Clean up this mess and put right the wrongs you have done and start with the Thirup family. Anyway we have been told the Police have saved the Banks over 55 million in fraudulent loans a lot of that had to have been our investigation work.

 Mrs Thirup Credibility Issues. 

Please Barrister Mr. Price ask Supreme Court Judge David Kirby whom I spoke to on the 14th floor in the Supreme Court Coffee shop, the other day.

He was to tell me that it was his 13th anniversary that day on entering the Supreme Court from the District Court where I knew him. I gave my regards to be passed onto his brother Michael Kirby that I also know from the past. I am sure both would vouch for my credibility.

There are several other people of high standing in the Legal Proffession who would gladly come forward to vouch for my character and credibility.

But in particular please contact Planning Minister Frank Sartor who met me several times and he personally would be able to tell Mr. Price  Barrister that I would never have put in a DA for Subdivision of my 5 acres. As I was fully aware that this was not allowable under the Precinct Release Areas in the South West Growth Centre. We are in the area of North Catherine Fields which does not get released for another 30 years.

This made the documents that the NAB hold for the Thirup remortgage both farcical and a total load of rubbish and utter lies.

I will expect an apology and retraction from Mr. Price's comments in the Court System as to my credibility, or I will make serious efforts to request immediate questions  to be asked in Parliament as to the workings of the NAB's Legals. I will have the NAB mentioned in Hansard as many times as I can. Do unto others as you would have done unto yourself. I believe in the words of the Bible, and lead a law abiding life. From today I do it my way.

That is no excuse but Mr. Price and his waffle for over 2 hours was unexcusable. This was a complete waste of Court time at the Tax payers expense and our own.

I will print one of the Cases from the box on a daily basis  to let the NAB know what loan to rush out and deal with.  My life has been ruined so I think the Bible saying of an eye for an eye should sum it up.

Watch this space. There are two very very large boxes and plenty of reading.

Just one last thing, how can a major bank make so many mistakes in just one loan:

1. Description of home doesn't come close to ours as no valuation done and if it was a drive by it was done by a sight impaired valuer that was also colour blind. There is no excuse as he/she wrote the correct address on the bank paperwork.

2. An ATM card was received with a attached letter with correct name and address however the ATM card had all Christian (First) names out of order and no Surname (Last) at all.  In the immortal words of Pauline Hanson ......please explain

 
3. The fraudulent application that the NAB used was not our signatures, was not dated, was in 2 names on one page and one name on the other and the list goes on....

4. No Broker on NAB paperwork only written "A known broker". No brokers # or name ....why was this acceptable???

5. Bank Officer Gary R. Chan supplied his NAB Business card on 2 separate occasions both with FALSE credentials....now whose credibility is at stake???? Letter provided to substantiate this. Surely NAB should be conducting higher standard checks on those they employ to deal with customers finances. Yet again lack of DUE CARE AND DILIGENCE on behalf of the NAB as the business card is misleading and deceptive.

6. Thirup's did not sign mortgage documents and yet their original mortgage paid out whether they liked it or not.

7. Thirup's not given the opportunity to seek legal advice re : mortgage documents they did not sign or the opportunity to decline such offer.

8. We have been made aware of an investigation that the ICAC named Sirona  was conducting whereby Mr Summit was mentioned and the NAB however it should be noted that the name of the NAB employee was not mentioned.

The list goes on and on and on............

At the end of the day we did nothing wrong and the NAB have slaughtered us quite simply because they choose not to do the right thing and take responsibility for NAB employees who lacked due care and diligence and acted in an immoral, deceitful, misleading, deceptive  and criminal manner to the detriment of one of it's customers.

The list goes on and on and on.............

Thank You for reading this . Go get you Lawers to have a good look at this , but this only a snibbet of all the information that we hold.

Good Luck

Patricia Thirup