Submissions, additional information and answers to questions on notice

Submissions

1.           Supportive Residents & Carers Action Group Inc

2.           Mr Col Shields

3.           Mr Bob Ifield

4.           Name Withheld

5.           Ms Chandra Singh

6.           Name Withheld

7.           Name Withheld

8.           Legal Aid Queensland

9.           Ms Andigone Aguilar

10.         Mr William Mott

11.         Name Withheld

12.         Victims of Financial Fraud

13.         Australian Small Business and Family Enterprise Ombudsman

14.         Financial Services Council

15.         Australian Loans & Mortgages

16.         Banks Gone Bad

17.         Name Withheld

18.         Mr Craig Perry

19.         Name Withheld

20.         Mr David Ifield

21.         Consumer Credit Legal Service (WA) Inc

22.         Community and Public Sector Union

23.         Mr Robert Heal

24.         Banking and Finance Consumers Support Association Inc

25.         Association of Financial Advisers

26.         Ms Ana Ganesh

27.         Customer Owned Banking Association

28.         Australian Law Reform Commission

29.         Consumer Action Law Centre

30.         Name Withheld

31.         Ms tatjana Brandson

32.         Name Withheld

33.         Name Withheld

34.         Mr Michael Masani

35.         Mr Dario Pappalardo

36.         Mr Gus Brogan

37.         Name Withheld

38.         Caxton Legal Centre

39.         Name Withheld

40.         Australia and New Zealand Banking Limited

41.         Australian Financial Complaints Authority

42.         Financial Rights Legal Centre

43.         Australian Banking Association

44.         Legal Aid NSW

45.         Financial Counselling Australia

46.         Public Interest Advocacy Centre LTD

47.         Maurice Blackburn Lawyers

48.         Mr Francis Edward Ifield OAM

49.         Consumer Credit Law Centre SA

50.         Women's Legal Service Victoria

51.         Mr Robert smith

52.         O'Grady Family

53.         Dr Evan Jones

54.         Mrs Philomena O'Grady

55.         Mrs Anita Shannon

56.         Law Council of Australia

57.         Mr Selwyn Krepp

58.         Thomas and Joycelyn Jordan

Response from National Australia Bank

59.         Dr Srdjan Diklitch

60.         Mr Anthony Russell

Response from Suncorp

61.         Mr Lynton Freeman

Response from Chief Justice, Supreme Court of Queensland

62.         Dr Wayne Styles

63.         Mr Damien Warren

Response from Bendigo and Adelaide Bank

64.         Ms Kathleen Wheeldon

Response from Rural Bank

65.         Mrs Diane Lock

66.         Mr Michael Sanderson

67.         Ms Michelle Matheson

Response from Resimac Group

68.         Mr Jonathon Haynes

Response from Westpac

69.         Ms Debra Viney

Response from Rabobank

70.         Mr Rory F O'Brien

71.         Confidential

72.         Confidential

73.         Ms Lena Anderson

Response from Gardens Lawyers

Response from Westpac

74.         Mrs Erika Biritz

Response from National Australia Bank

75.         Name Withheld

76.         Mr Paul Herman

Response from National Australia Bank

Response from ANZ

77.         Tasmanian Small Business Council

77.1  Supplementary Submission

77.2  Supplementary Submission

77.3  Supplementary Submission

Response from Code Compliance Monitoring Committee

78.         JMA Parties

78.1  Supplementary Submission

Response from Westpac

Response from Code Compliance Monitoring Committee

Response to supplementary submission from Westpac

79.         Mr Brett Wilson

80.         Mr Nicholas Wright

Response from Westpac

81.         Name Withheld

Response from ANZ

82.         Mr Colin Uebergang

Response from Westpac

83.         Name Withheld

Response from La Trobe Financial

84.         Mrs Carolyn Thomson

Response from ANZ

85.         Bank Reform Now

Response from National Australia Bank

86.         Mr Thomas Eisen

Response from Rural Bank

87.         Nnashaat Sedhom

88.         Mr Gary Tahmizian

Response from National Australia Bank

89.         Nolene and Lloyd Bradshaw

89.1  Supplementary Submission

89.2  Supplementary Submission

Response from Rabobank

90.         Ms Sheril Morris

Response from La Trobe Financial

91.         Ms Rita Mazalevskis

Response from ANZ

92.         Mr Neil Bradshaw

Response from Rabobank

93.         Mr John Tiver

Response from Landmark

94.         Mr Sean Butler

95.         Ms Linda Somers

96.         Confidential

97.         Confidential

98.         Confidential

99.         Confidential

100.    Confidential

101.    Confidential

102.    Confidential

103.    Confidential

104.    Confidential

105.    Confidential

106.    Confidential

107.    Confidential

108.    Confidential

109.    Confidential

110.    Confidential

111.    Confidential

112.    Confidential

113.    Mr Chris Shannon

114.    Name Withheld

115.    Good Shepherd Australia New Zealand

116.    Mr Ben Ifield

117.    Ms Pina Smith

118.    Mr Craig Ifield

119.    Name Withheld

120.    Mr Archer Field

120.1         Supplementary Submission

Response from ANZ

Response from Rabobank

Response from National Australia Bank

Response from Westpac

121.    Mr Sam Sciacca

Response from ANZ

122.    Ms Janine Barrett

Response from National Australia Bank

123.    Mr Des and Mrs Bernadette McKinnon

Response from National Australia Bank

124.    Mr Thomas Dunne

125.    Mr Kouros Jafari

126.    Mr Philip Brown

Response from Westpac

127.    Name Withheld

Response from Bendigo and Adelaide Bank

Response from AFG

128.    Mr Bob Yabsley

Response from National Australia Bank

129.    Mr Brian Ivkovic

130.    Name Withheld

Response from National Australia Bank

131.    Ms Hilda Joan Ward

Response from Westpac

132.    Mr Gary White

Response from Resi Mortgage

133.    Name Withheld

134.    Mrs Diana Macdonald

135.    Mr Ken Winton

136.    Mr Douglas Henderson

Response from La Trobe Financial

137.    Mr Graham Filmer

138.    Mr Costandino's kikiras

139.    Mr Phillip Joy

140.    Mr Trevor Eriksson

140.1         Supplementary Submission

Response from Westpac

141.    Mr Craig Caulfield

142.    Ms Claire Priestley

Response from Code Compliance Monitoring Committee

Response from National Australia Bank

143.    Name Withheld

144.    Waratah Gallotti

145.    Mr Dale McCahon

Response from Suncorp

Response from Westpac

146.    Ms Marion Rae

147.    Mr Benjamin and Mrs Marcia Blunt

148.    Michelle and Marjorie Stott

149.    Mr Jeff Morris

150.    Confidential

151.    Confidential

152.    Confidential

153.    Confidential

Additional Information

1.             Additional information provided by Consumer Action Law Centre, received 27 March 2019 

Answers to questions on notice

1.             Legal Aid NSW, answers to questions taken on notice at a public hearing on 21 March 19, Received 27 March 2019 

2.             AFCA, answers to questions taken on notice at a public hearing on 21 March 19, Received 28 March

3.             Australian Banking Association, answers to questions taken on notice at a public hearing on 21 March 19, Received 29 March 2019 

4.             Law Council of Australia, answers to questions taken on notice at a public hearing on 21 March 19, Received 2 April

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