thoughtsonthebus

15 stops. 40 minutes. each day.

Month: February, 2013

coffee and christina

I love those moments,

they seem to jump into me

from somewhere new.

Where the music is right,

my soul is ready,

the house is clean,

the washing is on,

the cats are back to lazy.

and all these atoms exist as an extension of me.

I check my friends list, see what the fuck my crazy, brilliant peeps are doing,

a video is posted, cheesy, but hmm. maybe 🙂

I feel it in my knee’s first,

the urge, the smile, I know the words.

the feet start to move, the hips start to sway,

and a rainy, cloudy, windy but warm , last day of summer, sunday morning

exists as it should

xxx

Warning: Cheesy but funky. May induce uninteded dance moves

One hour, one day..

6.30am – 7.30am

Uggh.

The sun streams through the glass panels, shocking me out of my slumber.

Another workday.

And the ultimate, constant morning question.

What the fuck am I going to wear..?

Maybe the black dress, flicky skirt?

nah -too short.

Depends on weather though. And other things like

Am i going out after work?

Any important clients?

But first, weather check.

Head

Outside

miserable.

but touch and go.. time for

tv

27c with increasing showers.

right, so no heels then, ‘cos that hill off Elizabeth street stop is a bitch, and last time you twisted your knee resulting in a torn ligament.

But shit..

Date tonight.

oh, fuck it.

If he doesn’t like me in flats he’s not worth it.

Sooo.

Long, black, dress

flat ballet slippers

sparkly black bangles

long necklace.

sorted.

Now,

coffee,ciggie,shower(hot then cold water/ wash hair?nah), moisturiser, eye puff cream, get spoon out of freezer, drag it’s icy body against puffy eyes, deodorant, coffee, news check:

Pretorious on trial.

Floods Northern NSW.

A toddler steering a car.

concealer, foundation, slight dab of powder, eye liner, eye shadow?nah, mascara, blush, coffee, new check:

Sea Shepherd rammed by japanese whalers.

– shit, hope Glenn’s ok, he’s on one of their boats..

– wonder if that’s his ^ photo their showing?

cats. where are the cats? Kittens! Biscuits!

underwear?bra,shit what bra am i going to wear? The push up, or the softer one. softer one,can’t be arsed having the bunnies on display today.undies, bra, dress, shit needs ironing, that ain’t going to happen with no iron in the house, fuck it, it’ll drop, hair up, fringe down, shoes, kittens inside, biscuits given, windows shut, lights off, brush teeth “expect a sunny day with rain coming through this evening”, jacket? just in case, See ya kittens! door shut, forgot bracelets, door opened, got bracelets, oh my water bottle, take bottle to bathroom, filled up only half way so it’s not too heavy, keys, door locked, bag, walk.

to the bus.

9 years of corruption in the Australian Banking Industry.

EXECUTIVE SUMMARY OF A CORRUPT 2004 BANKING CODE

Information sourced from bankinfoline.com

In 2010, a very detailed and thorough document was submitted to and accepted by the Australian Senate on Banking Reform. It’s known as “The Australian Bankers Problematic Code” paper.

This letter attempts to highlight the most important sections of it, to give a high-level overview of the document, so it can be exposed to the public and not kept hidden under layers of banking misconduct and media blackouts.

The Problematic Code paper follows the 18 year evolution of banks being forced (by threat of government regulation after Senate reports in 1991) to document rules, which governed their behaviour towards customers. This document is known as the “Banking Code of Practise” and the banks have been contractually bound to them since 1996.  In a publication on 1 November 1993, senior bankers, Commonwealth Bank’s David Murray and NAB’s Don Argus, were said to have agreed to be contractually bound by the code if government allowed banks to manage it.

This code is monitored by 3 people, the “Code Compliance Monitoring Committee” (CCMC), and their job is to investigate and make a determination on “Any and All complaints” made by the public against the code subscribing banks behaviour. (cl. 35.7)

In 2003, unsatisfied with the original practices, ANZ’s John McFarlane and St George Bank (now Westpac’s) Gail Kelly, and senior Australian Bankers Association officers redrafted the code introducing loopholes in the previously high-principled process. With the introduction of loopholes 16 banks agreed with the changed practices and became code signatories.

A year later, in 2004, banks agreed it wasn’t enough and sought to benefit themselves even further.

A new layer was secretly added so that the CCMC was no longer at liberty to investigate “Any and All complaints..”. This is because the 16 signatories formed a new group known as “The Code Compliance Monitoring Committee’s Association” (CCMCA) and they wrote their own rules as to what banks had to investigate. They set these new rules out in a document they called “the Constitution”. The Constitutions terms were so restrictive towards the job of the CCMC, that to date the independent Code Compliance Monitoring Committee have only investigated 250 complaints alleging the banks have breached the code.

The “Constitution” was never published, its restrictions were never made public and the CCMCA members never announced as a public group. The directors of the 16 banks and their CEO’s wrote a new set of rules setting out what this supposedly independent body they appointed called the Code Compliance Monitors were allowed to investigate.

Since 2004, the directors of major banks have told their customers and customer’s lawyers, and the public, that if a customer or small business signs a bank’s contract they will be protected as the code is contractually binding. However the Problematic Code paper sets out how a new set of banking ethics have evolved and the paper names banks, the bank directors and other people who sat benignly allowing banks to introduce corrupt practices that cripple customers.

You might ask how could this happen, was it uncaring legislators or sleepy regulators? It’s probably both.

In 2008, the previous Code Compliance Monitors, acting as whistleblowers, exposed the scam prior to resigning. The Compliance Monitors were appointed by and paid for by the signatories banks to investigate any allegation, by any person a bank breached the code. The Constitution, however, meant banks didn’t have to do that. By not requiring banks to investigate complaints, customers were forced to take banks to court if they breached a contract.

And that, as everyone knows, is costly, lengthy and a futile battle.

Examples as to how this can affect individuals, are evident in the Priestly case. Had the bank provided a fair and independent complaints procedure, they probably would not have spent the last six years battling it out with their bank in courtrooms across the state, and ultimately, losing their house and farm in January, this year.

The Priestley complaints

On 26 January 2013, the Priestley’s, having read “The Australian Bankers Problematic Code” paper set out their experiences and concerns in complaints sent to Mr Michael Chaney AO and NAB Directors. The bank breached its contract by failing to investigate the complaints which are serious.

In 2013, a principled banker would investigate the following complaints and respond, if the NAB had nothing to hide. However, to date there has been no official response so, instead, we will follow the NAB investigation as it unfolds, keeping in mind the Compliance Monitors had a contractual duty to name and shame bankers breaching the code.

Following years of failed attempts to have their bank complaints investigated, on 26 January 2013, the Priestley’s referred the following complaints to the NAB Directors, alleging:

 

1       In 2012, National Australia Bank directors intentionally or recklessly allowed its CEO, Mr Cameron Clyne, to breach the bank-customer contract when the NAB failed to investigate all the Priestley complaints, copies of which were sent directly to him.

2        Since 20 February 2004, the NAB changed terms of its contract, which meant Farmer-NAB contracts and small business-NAB contacts were potentially non-contracts and not binding.  

3        The NAB, and other signatory bank officers, instructed their managers and lawyers to keep the “Constitution” and thus changed bank-customer contracts from the courts for a decade as the courts might not hear their cases.

4        The NAB, and other signatory bank officers, and bank representatives, asked customers to sign contracts when they knew or should have known the contractual rights were changed causing customers financial disadvantage.

5        The NAB’s and other signatory bank CEO’s were members of the Code Compliance Monitoring Committee’s Association that created and relied on the constitution to conceal a countless number of contract breaches.

6        According to Mr Andrew Wilkie’s 2012 press release, there have been 2.5 million bank complaints since 2004, yet only 250 investigations, which was when the changed terms in the started to truly strip away bank customers rights.

7        For a decade, Code Compliance Monitors were dishonest and their actions corrupt allowing people to believe they could investigate and make a determination on any allegation a bank breached the code when they had no such powers.

8        Since 2004, NAB and ABA’s conduct was dishonest and their actions corrupt when they published untruthful statements intended the make the Australian public believe code signatory banks would comply with the code and investigate all code breaches and complaints.

9        In 2012, the NAB instructed lawyers to attend court and keep from His Hon. Justice Peter Garling the truth about the Problematic Code and by their silence they allowed the court to still believe the code was contractually binding.

NAB’s internal dispute resolution process

Mr Michael Chaney AO and Directors of NAB told all their customers that the bank has an internal process for handling disputes (Cl. 35.1).

●     It will be free of charge (Cl. 35.1(b));

●     We will adhere with timeframes specified in the contract (Cl. 35.1(c);

●     We will notify the name and contact number of the NAB person investigating your dispute (Cl. 35.2); and

●     Within 21 days of becoming aware of the dispute we will inform you of the outcome (Cl. 35.3).

What Mr Michael Chaney AO and NAB Directors also said. The bank:

●     Has a dispute resolution process available for all complaints unless resolved to your satisfaction (Cl. 35.7);

●     Will provide customers with the above information in writing (Cl. 35.8); 

●     Will provide information to customers in plain language (Cl. 2.1(d)); and

●     Will act fairly and reasonably towards customers in consistent and ethical manner (Cl. 2.2).

Editors note

The last four dot-points relate to all complaints, which signatories to the Code of Banking Practice and NAB contractually agreed to provide customers since 2004. NAB might believe that customers can agitate complaints in the courts and have their say, however only the bank has the benefit of having unlimited funds to fight in the courts.

Nobody could believe customers could lodge 2.5 million complaints since the “Constitution” was introduced and therefore, depending on NAB findings and with new information to hand, individual and small business customers who have lodged complaints since 2004 can ask them to be re-heard. Especially if the banks had been hiding behind these secret documents, and which may have influenced the judgement in the first place.

This time by a truly independent, non-bank appointed /funded committee giving customers who suffered adverse court judgements since 2004, a chance to finally have their day out of court and be heard in full.

A fair go. It’s not much to ask for really.

 
*************

nothing major.

I’m not going to try and create anything here except to make a note of today.

Today is Friday. Friday the 15th.

Kitchen table. dappled light through the window.

Today, I bought this domain. This is no longer “just another wordpress.com site”.

This is my site. My opinions, my thoughts, my fears, my overly dramatic way of putting pen to paper. or stylus to screen.

Hope you hear the silence between the lines.

xx

Image

story.time

There’s a story I know,

I’ve lived it before.

and before, and before.

You come in my dreams, but where are you?

I don’t need you, but these walls won’t fall on their own.

you, whoever, have something the others don’t.

you’re blind, yet with laser-sharp precision, you pin-point me.

you push the button to lower the bridge before I even know.

I guess I’m too good at protecting myself now,

that I don’t know the difference.

can’t feel the instance.

there’s too much resistance.

to love.

weeping heart

Illegal Eviction of The Farmers

I’m so sad. But so proud of them. xxx

For every NAB Customer in Australia , please read. For every NAB Director in Australia, be aware.

During yesterday’s eviction of The Priestly’s, Chris Priestly bravely read out this letter to the NAB representative they sent, Mr Peter Mair.

You may have heard of Peter Mair, or you may have not. But a recent article shows he believes pensioners are hoarding $100 notes under their beds in order to rort the pension. Obviously a kind, and generous guy – who also used to be a Reserve Bank Official..

So why is an ex-RBA official, attending the eviction of just 2 normal farmers, 9 hours North-West of Sydney? hmm Interesting indeed. And not a question I actually have an answer to.

( Edit: After some diligent research, turns out there are two creepy bankers called Peter Mair. The one that attended the eviction, is not the same as the one who thinks Pensioners are rorting, but to be honest, the eviction Peter Mair looks even more sinister..)

A video of Chris reading this out will be available as soon as those wonderful citizen journalists and occupy activists return from supporting the Priestly’s. But in the meantime, have a read of it for yourself.

It’s a doozy 😀  I can’t wait to see the video xx

Chris Priestley to NAB Chairman and Directors 1 Feb 2013

Banking Code of Practice Updated.

So, they’ve been busy, while we’ve been busy.

They’re changing the terms, getting on TV and Radio and in the papers to show you how *ethical, and transparent the Banks really are.

Of course. The Banks really are good people right. Or not people. Corporations..

Hell, even the head of the Australian Bankers Association, Mr Münchenberg said in his press release:
“Banks are committed to acting fairly, responsibly and transparently – the revised Code reinforces these industry values.”

“For example, banks are committed to working with customers who may be experiencing financial hardship. There are times when any one of us can suffer a setback that means we can no longer meet our financial obligations, like paying the mortgage or credit card bill. This can happen because our working hours have been reduced or we’ve even lost our job, because of unexpected illness, because a relationship breaks down, or for a host of other reasons. It’s at times like these that banks can help people get through their financial difficulties and back on their feet.”

Yep. That’s why you helped the Priestly’s when their father lay dying in hospital, right?

Yep. That’s why you helped them to sow a new crop after the floods had subsided, right?

Yep. That’s why you responded in writing, and officially investigated every one of the 9 complaints she submitted to the Banks, and then the Ombudsman, and then the CCMC, right?

Oh.. what? You didn’t do any of those things? You didn’t investigate their complaints? Even though, their first complaint was made before ANY of the preceedings against them took place.?

hmm. I find that a bit.. misleading. I find that a bit.. fraudulent.

I wonder what the Priestly’s have got to say about that? Well.. no, they can’t get the internet at the moment, because you evicted them yesterday. I’ve tried to call them a few times today, but the phone kept dropping out. The house is boarded up. The locks have been changed. You’ve even entombed Chris’  thongs in there – you wouldn’t let him go in and get them. Because, you know.. The thongs are yours now. Hope they fit..

Good thing I’ve got copies of the most recent letters they sent the Chairman of the NAB, this week. And hey, get a load of that – they were also personally copied to you, Mr Münchenberg.

Seeing as I can’t get in touch with them to find out what’s going on, perhaps it’s time for you to come forth with an explanation, Mr Münchenberg.

Speak soon??  Once you’ve finished getting your hair and make-up fixed for the Business Show, that is.

Priestley to NAB Chairman Chaney 30 Jan 2013 (1)

Priestley to NAB Chairman Chaney 26 Jan 2013

(Official Press Release from the Australian Banking Association. 

http://www.bankers.asn.au/Media/Media-Releases/Media-Release-2013/Improved-Code-of-Banking-Practice )

Direct contact details for the ABA

f you could also tweet these out, the bottom of the ABA Press Release has these details. You know.. just fyi.

Iain McDonald
P&L Corporate Communications (?)
Phone: 02 9231 5411
Mobile: 0488 390 151 
Twitter: @austbankers