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ING Direct tells lies through their lawyers, Gaden

Posted by on in BANKSTERS
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This is what I got from my bank's lawyers this morning in response to my request for copies of my LAF's, and I quote:

"We are not aware of any obligation for our client to provide you with the documents set out in your email.

Accordingly our client is not prepared to provide you with copies of these documents."

We will not continue to let them get away with this daylight robbery of our money and the titles to our property!

Thank you Denise for your latest, greatest Open Letter to the banks.

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  • doyla66
    doyla66 Thursday, 12 July 2012

    ING Direct tells their lawyers, Gadens to commence 'premature' legal action

    No doubt, those same lawyers 'Gadens' are very happy to "launch" premature writs against ING 'clients',notwithstanding the prior filing of(& active) FOS complaint, which clearly & absolutely "prohibits" such conduct pursuant to the Financial Ombudsman Services "Rules of FSP Conduct" subsequent to any filing of an FOS complaint, which is suppose to provide a "Moratorium Period" on "any" bank legal action against the "client".
    Then the "excuses" offered to the FOS come in; such as, the other party in the "banker channel" only advised ING of the FOS complaint details on "such 'n' such date" being weeks after the filing of the writ. Go figure. . .it's all too convenient, "when caught" for the Mortgage Manager (ING et al)to rely on the other links in the mortgage "chain" as an excuse to do "whatever it takes" to gain an "unfair advantage" to steal your home.
    Furthermore, be aware ING will deliberately refrain from fully disclosing a "premature" commencement legal action to "jump you" to take your home from under your feet.

    ENQUIRE through the FOS (re: FOS Complainants/Applicants)as to whether the FSP has commenced legal proceedings subsequent to the "Complaint Filing Date", as Gadens apparently have no duty of care to ENQUIRE of their master (ING Direct)as to whether a FOS Complaint concurrently exists to receiving of instructions to commence legal action. . .that would be less profitable & loyalty must prevail. . .Gadens is after all acting as "His Masters Voice".

  • doyla66
    doyla66 Thursday, 12 July 2012

    Typical Gadens - pompous asses - a major player in the "too big to fail" Aussie banker delusion.
    When the lo doc/no doc rort and home liquidation production line is mothballed Gadens may lose some core business revenue.
    Which EDR board are Gadens on ...?

    Thanks for the tip off, Andy. I'll check out what the bank is up to, while we're doing FOS.
    My bank is like a 3 yr old - when they're quiet I tend to suspect they're up to something ... watching my back...

  • doyla66
    doyla66 Thursday, 12 July 2012

    Upon reading your comments (Andy & Lisa Martin) that Gadens sounds familiar so I went to my file and there it was same Gadens who said "We act for the Lender" Commonwealth Bank Aust...they said they are lawyers, why, cant they not see the real issue of rip off and breach of lending legislation of their client Commonwealth Bank Aust. Down with these low lifed money greedy lawyers, why let yourselves be instruments of fraud...CAN your conscience take it, ripping off people in need, esp pensioners like my husband...yes CBA CAN..true to their slogan..fraud and greed!!!

  • doyla66
    doyla66 Thursday, 12 July 2012

    I spent many months trying to work out how bank staff could treat me the way they did. It was frightening to deal with bank people who just didn't care about me at all and apparently aren't affected by conscience. Legal people are even worse. I'm just another case, an account, a property to be liquidated. Apparently they think they're doing the right thing. Bank values and ethics are out of step with normal decency.

  • doyla66
    doyla66 Thursday, 12 July 2012

    LowDoc/No Docs Loans = if customer/victim enquires; reply: "WE HAVE NO DOCS or LOW ON DOCS THIS WEEK"

    Which Bank ? or Witch Bank ? They don't care, sociopaths have no conscience ! ! !
    Your saw the movie "The Firm" . . .they're not "colour blind" when within sight of money !!!
    36 financial institutions > billions in profits > each cog in the chain "critical" in the recipe to produce the best dish to serve unsuspecting innocent "Equity('blood')Rich / Income Poor Customers", they are the mechanics that grease the "Fraud('Ford') Engine Production Line".

    Depak Chopra may well agree, that there is no "coincidence of nature", that all 36 "prominent lenders" (of this God forsaken bank product) "rely on" the implementation of their "LowDoc/NoDoc Products" success through ONLY (1) Firm.

    Meet "The Firm". Attorney > Client Privilege etc etc. .Only carrying out "Our Client's Instructions". . .!!!! and we're protected by privilege!!!

    However to take your point, of the firm "knowingly" being the spikey end of the Bank Fraud, must raise the conscience of say the Federal Attorney General, to investigate the role of the Lawyers to the Bankers("Stars")not unlike the QLD "Marketeering Scams" in the 90's. . .

    After all, the lawyers, of all the professionals, are perfectly aware of the Consumer Credit laws & sec.25 of the Code of Banking Practice. . .to exercise "the care & skill of a diligent and prudent banker", but for a laugh, get this (refer to The Australian article 10 July2012;

    . . . Mr Steven Muchenberg; the chief executive of the Australian Bankers Association (no less) which administers "The Code", apparently doesn't know how to perform his role (& specifically Section 25 of "The Code") as quote; ". . . the association WAS NOT QUALIFIED to legally interpret 'The Code'!!!" He must have mistaken it for the "Divinci Code". . ., have they not heard of "in house" Counsel, after all they are suppose to administer a trillion dollar industry, must be short of change, hahaha!!!!

    Note: Lawyers for the pending 2nd "Storm" Class Action (same 'THE AUS'.article) will no doubt be seeking 100's of fresh off the press copies of their client victims original "LaF Docs" to prosecute their collective Claims (commences QLD Fed. Court on 10 Sept') & something tells me that they (Levitt Robertson _Sydney Law Firm) wont "play dead" when Gadens writes pathetic responses to Levitt, such as;

    "We are not aware of any obligation for our client to provide you with the documents set out in your email. Accordingly our client is not prepared to provide you with copies of these documents."

    The 1st Lawyer Group appears to have failed their clients miserably, by not examining the string of legal issues relating to "Broker Falsified Loan Applications", which had they indeed done so, would have produced a far more favourable outcome for that "collective group of banker victims". But of course, the Lawyers got their fees by not producing a result which ought to have otherwise extinguished many of those Loan Agreements; therein lies the "conflict of interest", by cancelling a mortgage in it's entirety, produces "NO CASH" to pay out the "Litigator Firm". . .in other words, it was better to simply reduce the mortgages & take fees from the "Piggy Bank". . .Bank's happy, they got off lightly, and the law firm gets it's Fees (thru the cash loan a/c) and the poor Bank Victim is left with a "Compromise Mortgage" to deal with (that ought to have been extinguished in most cases it would seem),then has to sign a "Confidentiality Clause" to never complain again !!!

    The Bank really won the "1st Round". . "the 2nd Round" will be more interesting and no doubt Denise will stay informed of any further benefits to the BFCSA(inc)members!!!

  • doyla66
    doyla66 Thursday, 12 July 2012

    Granny goes to Court

    Here's the tale of a granny who was in arrears on her mortgage,she did the right thing and called the bank,told them she would have difficulty,paying her mortgage as she was unable to work because of illness,her husband is also invalid,the banks adjusted her repayments and she kept them up as long as she could.
    Unfortunately she fell behind and was in arrears quite some months,the bank came knocking and decided to take this granny to court for possession of the property.Giving her 30 days to get out.

    They didn't expect what came next,apparently all the forms,and step by step instructions on how to represent yourself in court are available on the Courts website,so being an ex administrator she diligently,prepared her case,then off she trots to see the registrar,he told her she had a very compelling case to have the orders stayed and was quite willing to rubber stamp it,in comes the big bad lawyers for the bank,Oh no you don't we'll see you in court.
    So a few weeks later off trots the little old granny to the Supreme Court,up against a barrister and solicitor,she sat quietly,made the mistake of intervening once or twice,only to be told by the very nice judge it's O K,you'll get your turn.She waited very patiently and when it was her turn very professionally,handed up her evidence with supporting documents,the judge was very impressed indeed,GUESS WHO WON !!!!!!

    The little old granny of course,
    The judge scolded the other side,and said "I have to say the next time you come into court as ill prepared as you were today,you will feel my wrath,and never take your opposition for granted I find for the defendant,she was far better prepared and her evidence and presentation was exemplary.She was also awarded costs,not that she had any only,her time and the satisfaction of knowing she beat one the biggest law firms in the city.

    Moral of the story,don't mess with little old ladies.

  • doyla66
    doyla66 Thursday, 12 July 2012

    Great story - well done! :)

  • doyla66
    doyla66 Thursday, 12 July 2012

    As sure as eggs are eggs, it seems Wherever there is fraud there is Gadens. Fos, Asic, banks and Gadens all working in cahoots in partnership.
    Fed Gov, you need to open your eyes and see what is going on right under your nose. Your people are suffering and i find it hard to believe that you are not aware of this massive deciept being done to these innocent people.So many have lost their homes through no fault of their own. It's not like this problem has just started, it has been happening for many years and i cannot fathom why it has been allowed to continue. Stop looking the other way, grow a backbone and fix the problem because one day it could happen to you or someone you love.
    It's no surprise that we have Gadens amongst our file too - what else is new?
    The biggest crime of all is when good men witness a crime and do nothing!!!

  • doyla66
    doyla66 Monday, 13 August 2012

    ING rip people off

    ING seem to casue lots of problems for people !! My workplace sent out an email advisng all staff to avoid them. They even posted this on their website -,a453

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