Mr Tim Nicholls, Treasurer & Minister for Trade

Mr Tim Nicholls,  Treasurer & Minister for Trade.   25th April 2014.

Dear Mr Tim Nicholls,

I am contacting you again regarding our meeting at the Gold Coast Community Cabinet Meeting, on 23rd March 2014.

We discussed the CBA committing Loan Fraud & that the Burleigh Criminal Investigations Branch were investigating the CBA & their agents for Loan Fraud.

This widespread fraud must be stopped. This Loan Fraud IS happening to thousands of Australian families around Australia. 

It is a crime against the Commonwealth, it is a crime against all the People of Australia.

July/ Aug. 2012.  We originally met with our local MP Karen Andrews & Mr Russell White, head of the National Federation of Independent Business.

We showed them copies of the Loan Application Documents that had clearly been falsified & ‘Tampered’ with.

They both agreed that fraud had occurred & that they would support us & recommended filing a formal complaint with the Police.

1st Sept. 2012.  Robina Police.  We made our Formal Complaint to the Robina Police station & we had our 1st meeting with the Police.

They agreed that it should be investigated by the Criminal Investigations Branch & referred us to Burleigh Heads Criminal Investigations Branch.

7th Nov. 2012.  Burleigh Heads Criminal Investigations Branch. We did our formal Witness Statement / Affadavit, & gave copies of the Loan Application Document ‘Tampering.’


Subject: CBA Loan fraud – Ref: QP 1200 855 659

The Detective investigating the case (contact details above) has served warrants on the CBA, requesting the ORIGINAL signed Loan Application Documents, but the official response from the CBA was that the ORIGINAL documents had been destroyed.

As part of our Witness Statement / Affadavit , we gave documentary evidence of our signatures being falsified/ photoshopped into the Loan documents.

Now the CBA have admitted that they have destroyed the ORIGINAL documents, I believe that their is no valid contract, as there is a principal of law that states:

FRAUD DESTROYS THE CONTRACT.  There can be no true contract when one party has deceived the other. Fraud makes the contract worthless. Thus the bank does not have any rights which they can claim from the contract.

The last time I spoke to the Detective investigating he told me that the next steps would be to formally investigate the banks agents ( the brokers).

7thNov. 2013         by e-mail

14th Jan. 2014      by e-mail

16th Jan. 2014      by e-mail

10th Feb. 2014      by e-mail

30th Feb. 2014      personal visit

11th March 2014   by e-mail

24th March 2014   personal visit

I have tried to contact the detective on the numerous times (detailed above) to get an update or progress report on the investigation – but with no response.

As you can see, It is now a year and a half since the investigation started.  We feel that this is just not good enough.

We ask that this must be investigated PROPERLY, and within a reasonable time frame.

You said you were going to contact the C.I.B. on our behalf & ‘check it’s status’ & find out what progress had been made.

As it is now 25th April 2014,

A) have you managed to do so?

B)  have you had a response?

C) what response have you had?

D) can we have a copy of any response that you may have had?

We would appreciate an early response from you,

thank you for your time,



P.S.   Copies of this letter are going to MP’s, Senators, Police, & various Media outlets, plus to others that have been wronged by the Banks & are fighting for Justice.

PPS.   Below are just three copies of pages of our Loan Application Documents that have been fraudulently ‘Tampered’ with, along with the relevant sections of the




Act No. 37 of 1995


†Division 1—Concepts of gaining benefit and causing detriment

˙Meaning of “benefit”

176. “Benefit” includes—

(a) property, advantage and service; and

(b) the causing of a detriment; and

(c) anything that is for a person’s good; and

(d) direct or indirect benefit, relief or abstention from direct or

indirect benefit, and promise of direct or indirect benefit.

˙Meaning of “to gain a benefit”

177. A person does an act to gain a benefit for anyone if the person does

the act for the purpose of anyone gaining the benefit for anyone.

˙Meaning of “detriment”

178. “Detriment” includes—

(a) personal injury, injury to reputation, property damage and financial loss; and

(b) forcing anyone to do an act against the person’s will; and

(c) loss, damage or injury of any kind; and

(d) direct or indirect detriment and threat of direct or indirect detriment.

˙Meaning of “to cause a detriment”

179. A person does an act to cause a detriment to anyone if the person

does the act for the purpose of anyone causing the detriment to anyone else.

Division 2—Offences

Tampering with documents

180.(1) A person must not tamper with a document to dishonestly gain a

benefit for anyone or dishonestly cause a detriment to anyone.

Maximum penalty—

(a) 14 years imprisonment, if the document is a valuable security,

testamentary instrument or document kept by a lawful authority;


(b) 7 years imprisonment, in any other case.


(a) dishonestly tampering with a legal document;

(b) dishonestly tampering with a document.

(2) In this section—

“tamper” with a document means damage, hide or falsify the document.


˙When does a person engage in “forgery”

181. A person engages in forgery if the person

(a) makes, amends or deals with a document (the “forged

document) so that all the document, or a material part of it,


(i) to be what in fact it is not; or

(ii) to be made by a person who did not make it; or

(iii) to be made by or for a person who does not exist; or

(iv) to be made by authority of a person who did not give the authority; or

(v) to have an effect it does not; or

(b) uses a forged document.


182. A person must not dishonestly engage in forgery to gain a benefit for anyone or cause a detriment to anyone.

Maximum penalty—

(a) 14 years imprisonment, if—

(i) the person contravenes a fiduciary duty when committing the offence; or

(ii) the benefit gained, or the detriment caused, by the person in committing the offence has a value of at least 167 penalty

units; or

(b) 7 years imprisonment, in any other case.


(a) engaging in forgery—

(i) contravening a fiduciary duty;

(ii) affecting something of high value;

(b) engaging in forgery.

˙Dealing with things used for forgery

183.(1) A person must not—

(a) prepare a thing with the intent that anyone may use it to engage in forgery; or

(b) possess a thing with the intent that anyone may use it to engage in forgery; or

(c) use a thing with intent to engage in forgery; or

(d) possess a thing the person used to engage in forgery; or

(e) dispose of a thing the person used to engage in forgery.

Maximum penalty—3 years imprisonment.

Crime—dealing with thing used or for use in forgery.

(2) In this section—

“prepare” means prepare, begin to make or make


184. A person must not dishonestly by any deception—

(a) obtain property from anyone; or

(b) induce anyone to give property to anyone else; or

(c) induce anyone to do an act the other person may lawfully abstain from doing; or

(d) induce anyone to abstain from doing an act the other person may lawfully do; or

(e) gain a benefit for anyone; or

(f) cause a detriment to anyone.


CBA (& their agents the Brokers) induced  Mr & Mrs Styles to sign a document by  deception that made Mr & Mrs Styles believe it was another type of document.  

 CBA (& their agents the Brokers)  induced  Mr & Mrs Styles to sign the document dishonestly by deception.

CBA (& their agents the Brokers)  commits fraud under paragraph (c).

Maximum penalty—

(a) 14 years imprisonment, if the property, benefit or detriment has a

value of at least 167 penalty units; or

(b) 7 years imprisonment, in any other case.


(a) fraud affecting anything of high value;

(b) fraud.


430 Fraudulent falsification of records

Any person who with intent to defraud

(a) makes a false entry in any record; or

(b) omits to make an entry in any record; or

(c) gives any certificate or information that is false in a material particular; or

(d) in any way falsifies, destroys, alters or damages any record; or

(e) produces or makes use of any record the person knows is false in a material particular;

commits a crime.

Maximum penalty  10 years imprisonment.


488 Forgery and uttering

(1) A person who, with intent to defraud

(a) forges a document; or

(b) utters a forged document;

commits a crime.

Forgery is the process of making, adapting, or imitating objects, statistics, or documents with the intent to deceive.

The similar crime of fraud is the crime of deceiving another, including through the use of objects obtained through forgery

Forgery is a serious offense, punishable as a felony in all fifty states and by the federal government. Forgery involves the making, altering, use, or possession of a false writing in order to commit a fraud.

Because our society relies heavily on the ability to produce and exchange legitimate documents, forgery can have serious and far-reaching negative consequences on businesses, individuals, and political entities. For these reasons, forgery is a serious criminal offense that is punishable as a felony in all fifty states and by the federal government.

Traditionally, the crime of forgery consisted only of making or altering a false writing. Possessing, using, or offering a false writing with the intent to defraud was a separate offense, known as “uttering a forged instrument.” For example, if someone used  false documentation in order to obtain a Line Of Credit.

What is Forgery?

To punish forgery as a criminal offense, there are several elements, or factors, that must be proved by the prosecution in order to convict a person of the offense. These include the following.

Making, altering, using, or possessing

The first element of forgery is that a person must make, alter, use, or possess a false writing. Many people think of only making false writings, such as forging letters or certificates, when they think of forgery, but altering an existing writing may also be forgery if the alteration is “material,” or affects a legal right.

For example, forging another person’s signature on a document is a material alteration because it misrepresents the identity of the person who signed the document, which has serious legal consequences.

Deleting, adding, or changing significant portions of documents may also be “material” alterations, if these changes affect the legal rights or obligations represented in the documents. Additionally, as discussed above, using or possessing false writings also constitutes forgery.

A false writing

Not all writings meet the definition of forgery. To serve as the basis for forgery charges, the writing in question must both have legal significance and be false, as discussed below.

The writing must have apparent legal significance. In order to be punishable as forgery, the writing in question must have apparent legal significance. This includes government-issued documents such as drivers’ licenses and passports; transactional documents such as deeds, conveyances, and receipts; financial instruments such as currencies, checks, or stock certificates; and other documents such as wills, patents, medical prescriptions, and works of art.

To have legal significance, a document need not necessarily be a legal or government-issued document–it must simply affect legal rights and obligations. For this reason, documents such as letters of recommendation or notes from physicians may also be the subjects of forgery. In contrast, signing another person’s name to a letter to a friend would probably not constitute forgery, because in most cases it would not have legal significance.

The writing must be false. To be considered false, the writing itself must be fabricated or materially altered so that it purports to be or represent something that it is actually not. Generally, simply inserting false statements into a writing is not enough to meet this requirement, if those misrepresentations do not change the fundamental meaning of the writing itself. For example, if you insert a false statement into a letter you wrote, you have not committed forgery. However, it is forgery if you write a letter of legal significance, but present it as a letter written by someone else.

With the intent to defraud

In order to be guilty of forgery, the defendant must have intended to defraud someone or some entity, such as a government agency (though the fraud need not have been completed). This element prevents people who possess or sign fraudulent documents, without knowing that the documents are false, from being subject to criminal liability.

What is forgery?

Forgery is defined as the creation, altering, forging, or imitating of any document with the intent to defraud another person.  Making a signature without authorization or causing another person to fraudulently sign a document are also covered under forgery laws. 

Forgery laws may vary from state to state, but they all generally require the intent to defraud or deceive.

What is required to prove forgery?

All of the following elements must be satisfied when proving a person guilty of forgery:

  • False creation of document: The defendant must have manufactured, typed, printed, engraved, or handwritten the false document
  • Materially altering the document:  The person must have changed an existing, genuine document in some way (for example, falsely filling in blanks on a form)
  • Capability of defrauding: The document or writing must look sufficiently genuine to be capable of defrauding the average person
  • Legal significance: The document must claim to have some sort of legal significance to affect the other person’s rights.

Intent to deceive or defraud: The defendant must use the document with the intent to deceive the other person.