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BFCSA: ANZ can read the future....Our Loan was approved 19 DAYS before we even applied for it.??

Posted by on in Bankers A Law Unto Themselves
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Recently we requested thru FOS our LAF seeing that we still had not received one even tho we had requested from ANZ over 12 months ago and have in writing from them that they had sent everything they had on file concerning our loans. We then receive an email from FOS saying that since we did our application face to face with the bank manager it was directly inputted into the computer and here are the screenshots from 2005.

So off we go and start trawling over the screenshots from 2005. Didn't take long to find stuff totally incorrect, income overstated apparently we were earning over $100k annually and receiving centrelink benefits. REALLY? don't think so.  Application and letter of offer signed the same day??. Gee ANZ you are so efficient. BUT ANZ can see into the future.

THE LOAN WAS APPROVED 19 DAYS before we even applied for it.

Then further down the screen shots appears a section that says 'don't use this section after January 2012"..  from a screen shot supposedly from 2005?? Now I know you think your good ANZ but you guys need to join a circus or something or have fortune telling services in every branch if you guys can know 19 days before a loan is applied for and that its already approved and  knowing what part of the loan application computer system can and can't be used after January 2012 back in 2005.

Maybe after hearing the guy talk about Brokers and fraudulent loans on 2GB tonight, I suggest that ASIC need to have a very close look at ANZ sitting behind a computer screen and typing in whatever they think will get a loan across the line.

Just one more point, ANZ where is my signed LAF & signed Statement of financial position? Oh I know I signed the computer monitor. I wonder if they took a photo of it like the bodgie screen shots.

Take care everyone and hold your heads high and start by BLOGGING YOUR STORY..............................every one of you!  We have a collective 1200 stories to tell.......................................and YES name YOUR BANK and why FOS are asleep.


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  • doyla66
    doyla66 Thursday, 23 January 2014

    In our case LaTrobe financial had stamped our Loan Application Form (LAF) copy as having received it.... 13 days AFTER the LaTrobe letter of offer date. COSL knew all this (and much more) and still they found LaTrobe had no case to answer for maladministration or imprudent lending

  • doyla66
    doyla66 Thursday, 23 January 2014

    ANZ sure seem to be confused re dates. Mine shows a 4 month discrepancy between when applied for and the date on the letter advising approval. Guess I must have been asleep for a few months!

  • doyla66
    doyla66 Thursday, 23 January 2014

    Bankers Attitude -- remind you of Medcraft

    Published: Thursday, 23 Jan 2014 | 2:48 AM ET

    By: Leslie Shaffer | Writer for

    A British expat in Singapore stirred up an Internet storm after his Facebook posts mocking the "poor people" using mass transit went viral, hitting on the city-state's touchy issues of anti-foreigner sentiment and a growing wealth divide.

    The storm began after Anton Casey, a wealth manager at Crossinvest Asia, posted two photos of his son on Facebook. One showed his son on the subway and was captioned "Daddy, where is your car and who are all these poor people?" and the other showed his son in a silver Porsche with the caption, "Ahhhhhhhhh, reunited with my baby. Normal service can resume, once I have washed the stench of public transport off me FFS!"

  • Denise
    Denise Thursday, 23 January 2014

    Everyone caught in the Australian TOXIC Mortgage Loan Scandal should be telling their story. Mass maniuplation of client files by Major Banks [email protected]

  • Denise
    Denise Thursday, 23 January 2014

    YES Indeed look closely at your documents and demand the missing documents. Tell the banks: if you cannot find our complete client file? then VOID our mortgage immediately. You have no proof it was a prudent loan. [email protected]

  • doyla66
    doyla66 Friday, 24 January 2014

    We have an ANZ loan too (its actually a One Direct loan which is a subsidiary of ANZ) & the same thing has happened to us & it was only discoverable in the last couple months during the FOS investigation. We have a screenshot of our financial data that ANZ entered into their internal system on the 20/7/2007 before receiving our actual signed Statement of Financial Position form which was signed & given to ANZ only on the 22/7/07 and of course information from the screenshot & the statement of financial position does not match. FOS is aware of this & when we tried to challenge this they came back to us & said that ANZ has a diary note that myself, husband & ANZ had a phone conversation with ANZ regarding this loan on the 17/7/07. This is a load of rubbish, we know for a fact we did not speak to anyone on the phone regarding any loan and not only that we did not make any enquiry about this loan before the 20/7/07, the day they decided they would proceed with the loan anyway even though they had not received any official paperwork from us with regards to this loan. FOS have completely overlooked these concerning facts & have still proceeded to deem this loan as above board & affordable for us & therefore they are satisfied there was no maladministration involved when ANZ granted us this loan.

    Seriously what is the hell wrong with the laws of this country???? There is no consumer protection whatsoever.

    The governing bodies namely FOS & ASIC that are meant to be governing these rogue bankers are BIGGER rogues themselves. They stick together like glue protecting the dirty bankers, passing blame onto brokers & allowing for this sham to continue. CMON Australia get your act together & put a stop to this wide spread mortgage fraud....So sick of this BS!!!

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