The Australian Government's shameful attitude to my allegations.
24 Sewell Road
TANAH MERAH 4128
6 November 2019
Dear Attorney-General's Department,
I would like you to explain, under the Freedom of Information Act, why the Government is sitting on its hands while the Commonwealth Bank defrauds thousands of Australian citizens. I am frustrated and angry. The authorities (ASIC, APRA, Federal Police, Ombudsman, etc) know an investigation will open a can of worms. They have lied to me, fobbed me off and treated me like a pariah for the last 13 years. The Commonwealth Bank is surreptitiously deducting fees from fee-free allocated pension accounts. This mess began in June 2006 when my wife and I bought an allocated pension, which was advertised as fee-free, from a financial adviser employed by the Commonwealth Bank. I discovered a monthly fee was being deducted from our allocated pension. That's fraud. The fee was advertised as free for no other reason than to persuade the hesitating buyer. We cancelled our allocated pension in 2010. The Commonwealth Bank is, and has been for at least the last 13 years, enticing customers to buy allocated pensions by false advertising. I can supply you with a statement, in black print on white paper, that the Commonwealth Bank knows the advertising is false. The Hayne royal commission was established to outlaw fraudulent practices by banks. The Commonwealth Bank is operating precisely the same fraud today as it was before the Hayne royal commission began. In other words, the Commonwealth Bank is laughing at Hayne while it continues to surreptitiously deduct fees from fee-free allocated pension accounts. I pleaded with Hayne to let me loose at the royal commission. What a waste of time! Hayne knew my evidence would be extremely detrimental to the reputation of the Commonwealth Bank so he made sure the royal commission never heard it. And every politician, including Australia's Prime Minister, is protecting the Commonwealth Bank. My wife and I have been fully reimbursed. Unless there is an investigation thousands of defrauded Australians will never be reimbursed
Yours faithfully,
Greg Cadwallader
Dear Mr Cadwallader
Thank you for your email to the Attorney-General’s Department Freedom of Information (FOI) section.
I am writing to advise that the request you have made does not constitute a valid FOI request under the Freedom of Information Act 1982.
Sections 15(1) and (2) of the FOI Act provide that:
(1) …a person who wishes to obtain access to a document of an agency … may request access to the document
(2) The request must …
(b) provide such information concerning the document as is reasonably necessary to enable a responsible officer of the agency to identify it …
Furthermore, part 3.47 of the Guidelines issued by the Australian Information Commissioner states that –
The request must provide such information as is reasonably necessary to enable a responsible officer of the agency or the minister to identify the document that is requested (s 15(2)(b)) (see [3.109]).
As it stands, your request does not provide sufficient detail to enable searches and, accordingly, does not satisfy the requirements of a valid FOI request.
In order to submit a valid FOI request, please ensure that the request:
• be in writing (email is sufficient),
• state that the request is an application for the purposes of the FOI Act,
• describe the documents you seek in enough detail to allow the decision-maker to identify and find them, and
• provide an address for reply.
AGD Freedom of Information requests can be sent either via email to [AGD request email] or you can post your request to:
Director
Freedom of Information and Parliamentary Section
Strategy and Delivery Division
Attorney-General's Department
3–5 National Circuit
BARTON ACT 2600
I trust this information has been useful.
Yours sincerely
FOI Unit
Freedom of Information Unit
Attorney-General’s Department
T: (02) 6141 6666 | E: [AGD request email]
-----Original Message-----
From: Greg Cadwallader [mailto:[FOI #5859 email]]
Sent: Thursday, 7 November 2019 1:02 PM
To: FOI Requests <[AGD request email]>
Subject: Freedom of Information request - The Australian Government's shameful attitude to my allegations.
24 Sewell Road
TANAH MERAH 4128
6 November 2019 Dear Attorney-General's Department, I would like you to explain, under the Freedom of Information Act, why the Government is sitting on its hands while the Commonwealth Bank defrauds thousands of Australian citizens. I am frustrated and angry. The authorities (ASIC, APRA, Federal Police, Ombudsman, etc) know an investigation will open a can of worms. They have lied to me, fobbed me off and treated me like a pariah for the last 13 years. The Commonwealth Bank is surreptitiously deducting fees from fee-free allocated pension accounts. This mess began in June 2006 when my wife and I bought an allocated pension, which was advertised as fee-free, from a financial adviser employed by the Commonwealth Bank. I discovered a monthly fee was being deducted from our allocated pension. That's fraud. The fee was advertised as free for no other reason than to persuade the hesitating buyer. We cancelled our allocated pension in 2010. The Commonwealth Bank is, and has been for at least the last 13 years, enticing cust omers to
buy allocated pensions by false advertising. I can supply you with a statement, in black print on white paper, that the Commonwealth Bank knows the advertising is false. The Hayne royal commission was established to outlaw fraudulent practices by banks. The Commonwealth Bank is operating precisely the same fraud today as it was before the Hayne royal commission began. In other words, the Commonwealth Bank is laughing at Hayne while it continues to surreptitiously deduct fees from fee-free allocated pension accounts. I pleaded with Hayne to let me loose at the royal commission. What a waste of time! Hayne knew my evidence would be extremely detrimental to the reputation of the Commonwealth Bank so he made sure the royal commission never heard it. And every politician, including Australia's Prime Minister, is protecting the Commonwealth Bank. My wife and I have been fully reimbursed. Unless there is an investigation thousands of defrauded Australians will never be r eimburse d Yours faithfully, Greg Cadwallader
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notify us immediately by return e-mail and delete all
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to you in error, that error does not constitute waiver
of any confidentiality, privilege or copyright in respect
of information in the e-mail or attachments.
When you make a request for documents or an inquiry about privacy matters, the Attorney-General’s Department will only collect your personal information where it is reasonably necessary for, or directly related to, our functions under the Freedom of Information Act 1982 or the Privacy Act 1988.
We may collect your name, email address and telephone number so that we can contact you about your request under the Freedom of Information Act for access to documents or access to, or correction of, personal information; or a complaint you have made or your request for access to, or correction of, personal information under the Privacy Act.
If your request concerns your personal information, we will collect the minimum amount of evidence necessary to verify your identity. The handling of your personal information is protected by the Privacy Act 1988 and our privacy policy is available at http://www.ag.gov.au/Pages/Privacystatem....
If you have an enquiry or complaint about your privacy, please contact the Privacy Contact Officer on 02 6141 2660 or via e-mail [email address].
Dear FOI Requests,
There must be a reason the Government is allowing the Commonwealth Bank to defraud Australian citizens. And there must be some sort of legislation that gives a member of the public the 'right to know' the reason. I can supply the evidence and you know it. I want you to tell me why the Government is ignoring it.
Yours sincerely,
Greg Cadwallader
Dear Mr Cadwallader
The Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry has now concluded and handed its final report to the Government on Friday 1 February 2019.
Any enquiries relating to policy or recommendations arising from the Royal Commission; or complaints relating to financial institutions should be directed to [email address] .
Any enquiries relating to complaints about the Royal Commission or its procedures should be directed to the Department of the Prime Minister and Cabinet at www.pmc.gov.au/contact-us .
Any enquiries relating to Royal Commission records should be directed to the Attorney-General’s Department at [email address] .
Yours sincerely
FOI Case Officer
Freedom of Information and Parliamentary Section
Strategy and Delivery Division | Attorney-General’s Department
T: (02) 6141 6666 | E: [AGD request email]
-----Original Message-----
From: Greg Cadwallader [mailto:[FOI #5859 email]]
Sent: Thursday, 7 November 2019 6:01 PM
To: FOI Requests <[AGD request email]>
Subject: Internal review of Freedom of Information request - The Australian Government's shameful attitude to my allegations.
Dear FOI Requests,
There must be a reason the Government is allowing the Commonwealth Bank to defraud Australian citizens. And there must be some sort of legislation that gives a member of the public the 'right to know' the reason. I can supply the evidence and you know it. I want you to tell me why the Government is ignoring it.
Yours sincerely,
Greg Cadwallader
-----Original Message-----
Dear Mr Cadwallader
Thank you for your email to the Attorney-General’s Department Freedom of Information (FOI) section.
I am writing to advise that the request you have made does not constitute a valid FOI request under the Freedom of Information Act 1982.
Sections 15(1) and (2) of the FOI Act provide that:
(1) …a person who wishes to obtain access to a document of an agency … may request access to the document
(2) The request must …
(b) provide such information concerning the document as is reasonably necessary to enable a responsible officer of the agency to identify it …
Furthermore, part 3.47 of the Guidelines issued by the Australian Information Commissioner states that – The request must provide such information as is reasonably necessary to enable a responsible officer of the agency or the minister to identify the document that is requested (s 15(2)(b)) (see [3.109]).
As it stands, your request does not provide sufficient detail to enable searches and, accordingly, does not satisfy the requirements of a valid FOI request.
In order to submit a valid FOI request, please ensure that the request:
• be in writing (email is sufficient),
• state that the request is an application for the purposes of the FOI Act,
• describe the documents you seek in enough detail to allow the decision-maker to identify and find them, and
• provide an address for reply.
AGD Freedom of Information requests can be sent either via email to [AGD request email] or you can post your request to:
Director
Freedom of Information and Parliamentary Section Strategy and Delivery Division Attorney-General's Department
3–5 National Circuit
BARTON ACT 2600
I trust this information has been useful.
Yours sincerely
FOI Unit
Freedom of Information Unit
Attorney-General’s Department
T: (02) 6141 6666 | E: [AGD request email]
-------------------------------------------------------------------
Please use this email address for all replies to this request:
[FOI #5859 email]
This request has been made by an individual using Right to Know. This message and any reply that you make will be published on the internet. More information on how Right to Know works can be found at:
https://www.righttoknow.org.au/help/offi...
If you find this service useful as an FOI officer, please ask your web manager to link to us from your organisation's FOI page.
-------------------------------------------------------------------
----------------------------------------------------
If you have received this transmission in error please
notify us immediately by return e-mail and delete all
copies. If this e-mail or any attachments have been sent
to you in error, that error does not constitute waiver
of any confidentiality, privilege or copyright in respect
of information in the e-mail or attachments.
When you make a request for documents or an inquiry about privacy matters, the Attorney-General’s Department will only collect your personal information where it is reasonably necessary for, or directly related to, our functions under the Freedom of Information Act 1982 or the Privacy Act 1988.
We may collect your name, email address and telephone number so that we can contact you about your request under the Freedom of Information Act for access to documents or access to, or correction of, personal information; or a complaint you have made or your request for access to, or correction of, personal information under the Privacy Act.
If your request concerns your personal information, we will collect the minimum amount of evidence necessary to verify your identity. The handling of your personal information is protected by the Privacy Act 1988 and our privacy policy is available at http://www.ag.gov.au/Pages/Privacystatem....
If you have an enquiry or complaint about your privacy, please contact the Privacy Contact Officer on 02 6141 2660 or via e-mail [email address].