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11 September 2015
The class action run by lawfirm Maurice Blackburn v ANZ

15 November 2010
And still the banks persist in illegal “con”tracts. Please see the extract from Bankwest’s conditions of use booklet

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Banks Are Thieves
John Curtis, NSW


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Stop Press!!

This website is about the thefts that all banks and other financial institutions (building societies, credit unions, non-bank mortgage lenders and credit card suppliers) currently engage in, in Australia, AND, MORE IMPORTANTLY, HOW TO GET YOUR MONEY BACK, WITH INTEREST, and compensation.

This website is also about helping AS MANY PEOPLE AS POSSIBLE.  So if you found information on this site beneficial, how about sending an E-mail to everyone you know telling them to look at it so that they can benefit too?

Recover Illegal Excessive Fees and Charges for:



1.            Most contracts (for a credit card this usually comprises a letter of offer and a terms and conditions booklet) which purport to allow the deduction of these fees/charges do not have “sufficient certainty of terms” which is one of the requirements for a contract to be legally binding.

                A credit card contract that states that fees/charges and interest rates can be varied, and new fees and charges imposed, unilaterally, without the consent of, and with little or no notice to the customer, undoubtedly breaches this requirement.


It is possible to recover all or part of any unlawful Excessive Fees, Charges, and Interest, with exemplary damages (compensation) on top.


2.            Extract of definition of contract taken from Osborn’s Concise Law Dictionary, 6th Edition, by John Burke of Lincoln’s Inn, Barrister-at-Law:

                For a contract to be valid and legally enforceable there must be:

                1.            capacity to contract

                2.            intention to contract

                3.            consensus ad idem  (agreement as to the same thing)

                4.            valuable consideration

                5.            legality of purpose

                6.            sufficient certainty of terms



The General Manager of the Federal Treasury concurs with the assertion that contracts which lack sufficient certainty of terms are illegal; see paragraphs 3, 4 and 6 of his letter

Letter from Treasury - 23/11/07 Letter from Treasury - 23/11/07

Letter to P.M.