Submissions received by the Committee as at 26 October 2009

Inquiry into Financial Products and Services in Australia

Submissions received by the Committee as at 26 October 2009

Please note: Submissions to this inquiry are now closed. Some submissions to this inquiry reflect adversely on another person, organisation or business. The Committee, through the Secretariat, will endeavour to contact these individuals, organisations or businesses to alert them to such comment and provide them with an opportunity to reply. However, in some cases it is difficult to contact named individuals directly. If you feel that adverse comment has been made about you and you wish to discuss the matter further, please contact the Secretariat (For contact details, please see Information about the inquiry).

Sub No.

Submitter

1 NAME WITHHELD (PDF 46KB)
2 William K Lawson (PDF 5KB)
3 CONFIDENTIAL
4 CONFIDENTIAL
5 Frederick Grima (PDF 39KB)
6 Stanley Robinson (PDF 1598KB)
7 CONFIDENTIAL
8 Victor Ainslie (PDF 83KB)
9 NAME WITHHELD (PDF 535KB)
10 Sofronis and Anna Michaelidis (PDF 1556KB)
11 NAME WITHHELD (PDF 1089KB)
12 Richard and Jennifer Old (PDF 902KB)
13 NAME WITHHELD (PDF 457KB)
14 Raymond Bricknell (PDF 32KB)
15 Puzzle Financial Advice Pty Ltd (PDF 662KB)
16 NAME WITHHELD (PDF 4KB)
17 CONFIDENTIAL
18 NAME WITHHELD (PDF 29KB)
19 NAME WITHHELD (PDF 5KB)
20 Charles Hugh Bannister (PDF 2423KB)
21 Graeme and Susan McDonald (PDF 71KB)
22 Mr Gregory Watts (PDF 1172KB)
23 Patricia Godwin and John King (PDF 980KB)
24 Tony and Linda Ahern (PDF 1988KB)
25 NAME WITHHELD (PDF 11KB)
26 John Walker (PDF 55KB)
27 NAME WITHHELD (PDF 430KB)
28 Walter B Taylor (PDF 15KB)
  Response from Bernadine Frawley (PDF 106KB)
29 G. K Lego (PDF 1542KB)
30 Sean and Paula McArdle (PDF 295KB)
31 Carol O'Donnell (PDF 27KB)
32 L S and A M Pataki (PDF 766KB)
33 NAME WITHHELD (PDF 252KB)
34 Australian Investors Association Ltd (PDF 48KB)
35 Ken Kingsford (PDF 2402KB)
36 Richard and Barbara Wright (PDF 7973KB)
37 CONFIDENTIAL
38 Tupicoffs Pty Ltd (PDF 83KB)
39 Waterfall Way Associates (PDF 26KB)
40 Superworks Financial Pty Ltd (PDF 3875KB)
41 Dominic Alafaci (PDF 21KB)
42 NAME WITHHELD (PDF 952KB)
43 Peter Toohey (PDF 9KB)
44 Mohsen Alirezai (PDF 1785KB)
45 Santo and Marianne Perna (PDF 90KB)
46 CONFIDENTIAL
47 Bruce Kerr (PDF 11KB)
48 NAME WITHHELD (PDF 34KB)
49 NAME WITHHELD (PDF 90KB)
50 CONFIDENTIAL
51 Peter William Hansen (PDF 2319KB)
52 Andrew Barrell (PDF 120KB)
53 Runa Ross (PDF 2132KB)
54 Ron Jelich (PDF 2282KB)
55 David and Ann Lock (PDF 83KB)
56 Quantum Financial Services (PDF 336KB)
57 Leonie Crennan (PDF 202KB)
58 NAME WITHHELD (PDF 312KB)
59 CONFIDENTIAL
60 NAME WITHHELD (PDF 6KB)
61 NAME WITHHELD (PDF 38KB)
62 Norman Wills (PDF 66KB)
63 Chris Robinson (PDF 53KB)
64 Geoff and Heather Stanfield (PDF 2085KB)
65 CONFIDENTIAL
66 NAME WITHHELD (PDF 54KB)
67 APT Strategy Pty Ltd (PDF 626KB)
68 Mary O'Loghlin (PDF 3460KB)
69 CONFIDENTIAL
70 NAME WITHHELD (PDF 96KB)
71 Geoffrey Hobbs (PDF 49KB)
72 Tracey Richards (PDF 280KB)
73 John Salmon (PDF 1952KB)
74 Andrew Groenwoldt and Jennifer Owens (PDF 66KB)
75 Paramount Wealth Management (PDF 196KB)
76 CONFIDENTIAL
77 CONFIDENTIAL
78 NAME WITHHELD (PDF 81KB)
79 John and Merrilee Clark (PDF 1405KB)
80 Geoff Parker (PDF 1611KB)
81 CONFIDENTIAL
82 Quentin and Sandra Bates (PDF 53KB)
83 Gregory and Corinne Kay (PDF 191KB)
84 Robin and Cecily Herd (PDF 2947KB)
85 Bruce and Luciana Milburn (PDF 3230KB)
86 Debra Lawrence (PDF 1226KB)
87 Steve and Kimberley Parkin (PDF 1097KB)
88 Kay Robinson (PDF 2362KB)
89 Alan Tomlinson (PDF 262KB)
90 Bernard Pristel (PDF 3037KB)
91 Mark Williams (PDF 448KB)
92 Norman and Lynda Robertson (PDF 38KB)
93 NAME WITHHELD (PDF 6KB)
94 NAME WITHHELD (PDF 68KB)
95 NAME WITHHELD (PDF 57KB)
96 Leith Harveyson (PDF 2283KB)
97 NAME WITHHELD (PDF 48KB)
98 NAME WITHHELD (PDF 7KB)
99 Andrew Player (PDF 10KB)
100 Justin and Jenny Clare (PDF 1655KB)
101 CONFIDENTIAL
102 Natalie Ferris (PDF 975KB)
103 Murray Withers (PDF 50KB)
104 Vince Mahon (PDF 7KB)
105 NAME WITHHELD (PDF 10KB)
106 Robert Reed (PDF 81KB)
107 Gina Lazzarini (PDF 959KB)
108 Troy and Mary McConnell (PDF 79KB)
109 Stephen Wilson (PDF 225KB)
110 Wayne Styles (PDF 2463KB)
111 Glenys Roberts (PDF 1983KB)
112 Ian Bailey (PDF 94KB)
113 YourShare Financial Services Pty Ltd (PDF 67KB)
114 CONFIDENTIAL
115 NAME WITHHELD (PDF 123KB)
116 NAME WITHHELD (PDF 47KB)
117 NOT ASSIGNED
118 Pauline M Allen (PDF 109KB)
119 Cotulla Trust (PDF 150KB)
120 Robert and Marie Anne Fowler (PDF 99KB)
  Response from Chris Murphy (PDF 141KB)
121 Jack and Frances Dale (PDF 4163KB)
122 Denis Kelart (PDF 1469KB)
123 Helen Chambers (PDF 514KB)
124 Des and Margaret Peters (PDF 776KB)
125 Lance Mayers et al (PDF 191KB)
126 Tom and Joan Ruddell (PDF 2268KB)
127 Joe and Sue Malaponte (PDF 192KB)
128 CONFIDENTIAL
129 Mario Romeo (PDF 45KB)
130

Michael Haskins (PDF 8KB)

131 Graeme and Judy Hill (PDF 10KB)
132 Kaye Lowry (PDF 1177KB)
133 Frank and Sandra Grainer (PDF 169KB)
134 Chris Farley (PDF 35KB)
135 Robert Ross (PDF 9830KB)
136 Doug Bailey (PDF 797KB)
137 Gordon and Shirley Heard (PDF 1123KB)
138 Insurance Council of Australia (PDF 1142KB)
139 CONFIDENTIAL
140 Desmond and Teresa Lockett (PDF 639KB)
141 CONFIDENTIAL
142 NAME WITHHELD (PDF 169KB)
143

Nelson R Hubbucks and Catherine F Moran  (PDF 4191KB)

  Response from John Fuller (PDF 48KB)
144 Peter Pola (PDF 1818KB)
145 NOT ASSIGNED
146 Kay Allman (PDF 14KB)
147 NAME WITHHELD (PDF 390KB)
148 NAME WITHHELD (PDF 84KB)
149 Desley Quinton (PDF 78KB)
150

Alain D'Hotman De Villiers (PDF 119KB)

151 CONFIDENTIAL
152 Adriaan and Janis Boon (PDF 70KB)
153 Gus Dalle Cort (PDF 119KB)
154 AEC Group Limited (PDF 661KB)
155 NAME WITHHELD (PDF 789KB)
156 NAME WITHHELD (PDF 51KB)
157 Thomas and Cheryl Walker (PDF 302KB)
158 Paul Levy (PDF 119KB)
159 NAME WITHHELD (PDF 1767KB)
160 Paul and Jill Dixon (PDF 53KB)
161 Michael and Sharryl Whiting (PDF 91KB)
162 Ron and Debbie Pearson (PDF 50KB)
163 Jenny Skeggs (PDF 1347KB)
164 NAME WITHHELD (PDF 63KB)
165 Philip Schurmann (PDF 2564KB)
166 Robert and Carolyn Hasemann (PDF 982KB)
167 David and Isabel Dowling (PDF 45KB)
168 Daniel Parry (PDF 301KB)
169 Symes Warne & Associates Limited (PDF 538KB)
170 Yvette Mansted (PDF 91KB)
171 Jo and Al Harding (PDF 131KB)
172 Mike and Isabel Kilkenny (PDF 412KB)
173 Luke Vogel (PDF 278KB)
174 John and Pauline Oldfield (PDF 859KB)
175 Edward van Oort-Pieck (PDF 13KB)
176 Richard and Gloria Turner (PDF 100KB)
177 Stewart Partners (PDF 126KB)
178

Strategy First Financial Planning Pty Ltd (PDF 124KB)

179 NAME WITHHELD (PDF 71KB)
180 Michael Legg (PDF 2084KB)
181

D W and C V Hogg (PDF 345KB)

182 NAME WITHHELD (PDF 2671KB)
183 Graham MacAulay (PDF 59KB)
184 Andrée and Kalvin Ernst (PDF 15KB)
185 CONFIDENTIAL
186 Tarnia Coppers (PDF 127KB)
187 Frank and Irene McGuirk (PDF 508KB)
188 Bas and Ann de Wit (PDF 74KB)
189 Frank and Annamaria Gasparini (PDF 662KB)
190 Julian and Pamela England (PDF 40KB)
191 NAME WITHHELD (PDF 84KB)
192 Joe Nagy (PDF 121KB)
193 NAME WITHHELD (PDF 7KB)
194 NAME WITHHELD (PDF 62KB)
195 Robert and Janis Lee (PDF 45KB)
196 NAME WITHHELD (PDF 8KB)
197 NAME WITHHELD (PDF 55KB)
198 NAME WITHHELD (PDF 92KB)
199 NAME WITHHELD (PDF 311KB)
200 Greg and Phyllis Davies (PDF 58KB)
201 CONFIDENTIAL
202 NAME WITHHELD (PDF 108KB)
203 Ian Smith (PDF 67KB)
204 Dale and Pamela Wust (PDF 38KB)
205 Michael Scales (PDF 49KB)
206 Lotta Mellows (PDF 131KB)
207 NAME WITHHELD (PDF 229KB)
208 Brian and Janet Zollner (PDF 50KB)
209 Colin and Donna Smith (PDF 63KB)
210 NAME WITHHELD (PDF 10KB)
211 NAME WITHHELD (PDF 128KB)
212 CONFIDENTIAL
213 David and Janet Chapman (PDF 613KB)
214 Naomi Major (PDF 929KB)
215 Raymond and Lorna Winkworth (PDF 601KB)
216 Jean Yarlett (PDF 973KB)
217 John and Aileen Osgood (PDF 707KB)
218 Ruth Lennie (PDF 1706KB)
219 NAME WITHHELD (PDF 824KB)
220 NAME WITHHELD (PDF 1209KB)
221 CONFIDENTIAL
222 Mentor Financial Services (PDF 44KB)
223 Kenneth and Suzanne Jones (PDF 47KB)
224 NAME WITHHELD (PDF 90KB)
225 Wayne and Carol Styles (PDF 137KB)
226 CONFIDENTIAL
227 NAME WITHHELD (PDF 35KB)
228 Ian and Marion Meade (PDF 1364KB)
229 Kevin and Deb Walden (PDF 42KB)
230 Brian and Carolyn Butler (PDF 47KB)
231 Stuart and Cindy Cortis (PDF 1798KB)
232 NAME WITHHELD (PDF 40KB)
233 Bryan and C.Maree Young (PDF 43KB)
234 John Markwell (PDF 108KB)
235 CONFIDENTIAL
236 William and Grace Westhead (PDF 1017KB)
237 Paul Goopy (PDF 154KB)
238 John and Beverley Ellison (PDF 2126KB)
239 NAME WITHHELD (PDF 32KB)
240 Salvatore and Audrey Perna (PDF 50KB)
241 Todd Cranston (PDF 8KB)
242 Tony and Deidre Purse (PDF 88KB)
243 Sharron King (PDF 53KB)
244 Gordon and Jane Zinn (PDF 111KB)
245 Richard and Janice Kaczuk (PDF 5018KB)
246 CONFIDENTIAL
247 Barrie and Elizabeth Watts (PDF 126KB)
248 NAME WITHHELD (PDF 28KB)
249 NAME WITHHELD (PDF 40KB)
250 CONFIDENTIAL
251 Boutique Financial Planning Principals Group (PDF 387KB)
252 Janice Martin (PDF 43KB)
253 Evelyn King (PDF 58KB)
254 NOT ASSIGNED
255 Barrie Smout (PDF 42KB)
256 Christine Bradstreet (PDF 67KB)
257 Kevan C Williams (PDF 7256KB)
258 Jeff and Shirley Dunn (PDF 170KB)
259 Patrick and Julie Doyle (PDF 8KB)
260 NAME WITHHELD (PDF 87KB)
261 Graham and Lesley Sealey (PDF 2516KB)
262 Julie Matheson (PDF 624KB)
263 NAME WITHHELD (PDF 50KB)
264 Trevor and Janet Power (PDF 42KB)
265 Dennis Chapman (PDF 48KB)
266 Lynette Murray (PDF 162KB)
267 Donald and Valmai Emanuel (PDF 61KB)
268 NAME WITHHELD (PDF 67KB)
269 Anthony and Michelle Old (PDF 50KB)
270 Garry and Marion Nosworthy (PDF 641KB)
271 Patrick Loughnan (PDF 319KB)
272 CONFIDENTIAL
273 Michael and Ann Burniston (PDF 451KB)
274 CONFIDENTIAL
275 Terence and Karen Brett (PDF 4888KB)
276 Storm Investors Consumer Action Group Inc (PDF 194KB)
277 Financial Planning Association of Australia (PDF 2007KB)
278 John and Paula Mottin (PDF 190KB)
279 Hon Dr Bob Such (PDF 93KB)
280 Mark and Ann Weir (PDF 116KB)
281 John Fuller (PDF 82KB)
282 Jason and Alessia Keech (PDF 49KB)
283 Anne Tuit (PDF 79KB)
284 Paul Little (PDF 94KB)
285 Christopher and Sally Barnett (PDF 9KB)
286 NAME WITHHELD (PDF 1266KB)
287 NAME WITHHELD (PDF 61KB)
288 Doug Lye (PDF 82KB)
289 NOT ASSIGNED
290 Julia Eastland (PDF 125KB)
291 Martin McCullagh (PDF 121KB)
292 Plan B Group Holdings Limited (PDF 57KB)
293 Worcester Consulting Group (PDF 419KB)
294 CONFIDENTIAL
295 Rob and Roxanne Davis (PDF 37KB)
296 Errol Rose and Ann Giudicatti (PDF 60KB)
297 Jacinta Grace (PDF 6KB)
298 NAME WITHHELD (PDF 42KB)
299 CONFIDENTIAL
300 CONFIDENTIAL
301 CONFIDENTIAL
302 Graeme and Kay Rasmussen (PDF 44KB)
303 Una Robinson (PDF 52KB)
304 Gregory and Lyn Becke (PDF 64KB)
305 Paul and Elisabeth Reeve (PDF 152KB)
306 NAME WITHHELD (PDF 348KB)
307 NAME WITHHELD (PDF 323KB)
308 Benjamin Hancock (PDF 59KB)
309 CONFIDENTIAL
310 Fiona Alongi (PDF 129KB)
311 CPA Australia (PDF 467KB)
312 CONFIDENTIAL
313 Lorraine Kovacich (PDF 44KB)
314 National Insurance Brokers Association (PDF 186KB)
315 CONFIDENTIAL
316 Guardian Financial Planning (PDF 138KB)
317 Investment and Financial Services Association (PDF 290KB)
318 AUSSIE (PDF 148KB)
319 The Institute of Actuaries of Australia (PDF 124KB)
320 NAME WITHHELD (PDF 2000KB)
321 NAME WITHHELD (PDF 25KB)
322 Argyle Lawyers Pty Limited (PDF 301KB)
323 NAME WITHHELD (PDF 146KB)
324 FinaMetrica Pty Limited (PDF 111KB)
325 Kevin and Leigh Yates (PDF 152KB)
326 Nick Bruining (PDF 16KB)
327 Securities & Derivatives Industry Association (PDF 51KB)
328 Robyn Toohey (PDF 264KB)
329 NOT ASSIGNED
330 Finance Control (PDF 2718KB)
331 Perpetual Corporate Trust (PDF 147KB)
332 Tom Crothers (PDF 133KB)
333 CONFIDENTIAL
334 SMART Compliance Pty Ltd (PDF 188KB)
335 NAME WITHHELD (PDF 41KB)
336 Professional Investment Services (PDF 431KB)
337 Trustee Corporations Association of Australia (PDF 81KB)
338 John and Shirley Quinn (PDF 7KB)
339 NOT ASSIGNED
340 Hayden Financial Services Pty Ltd (PDF 122KB)
341 Sharon Pacey (PDF 171KB)
342 Robert Brown (PDF 88KB)
343 Intech Financial Planning Services (PDF 88KB)
344 Association of Financial Advisers Ltd (PDF 1106KB)
345 CONFIDENTIAL
346 MLC (PDF 361KB)
347 Paul Resnik (PDF 140KB)
348 CONFIDENTIAL
349 Crawford Peter Hillis (PDF 27KB)
350 Trust Company Limited (PDF 90KB)
351 Financial Services Institute of Australasia (PDF 31KB)
352 SEQUAL (PDF 342KB)
353 Financial Ombudsman Service Limited (PDF 705KB)
354 John Christie (PDF 7KB)
355 NAME WITHHELD (PDF 15KB)
356 John and Paula Mottin (PDF 225KB)
357 Commonwealth Bank of Australia (PDF 142KB)
358 Denise L Brailey (PDF 546KB)
359 David Fotheringham (PDF 402KB)
360 National Seniors Australia (PDF 189KB)
361 CHOICE (PDF 236KB)
362 Accounting Professional and Ethical Standards Board (PDF 3556KB)
363 The Institute of Chartered Accountants in Australia (PDF 233KB)
364 Red Oak Financial (PDF 90KB)
365 NOT ASSIGNED
366 Michael Smith and Rosslyn Myles (PDF 3328KB)
367 AMP (PDF 548KB)
368 Millennium3 Financial Services Pty Ltd (PDF 71KB)
369 Levitt Robinson Solicitors (PDF 4409KB)
370 CONFIDENTIAL
371 NAME WITHHELD (PDF 410KB)
372 NOT ASSIGNED
373 NOT ASSIGNED
374 Q Invest (PDF 246KB)
375 NAME WITHHELD (PDF 160KB)
376 Allan McDonald (PDF 88KB)
377 Keith and Diane Ensor (PDF 1082KB)
378 ASIC (PDF 1326KB)
379 ANZ (PDF 871KB)
380 Industry Super Network (PDF 353KB)
381 Roy and Janis Rogers (PDF 770KB)
382 CONFIDENTIAL
383 ING Australia (PDF 860KB)
384 Dean Evans (PDF 153KB)
385 AXA (PDF 1331KB)
386 Carmela Richards and Kristy Devney (PDF 381KB)
387 Kenneth Allan (PDF 386KB)
388 The Treasury (PDF 265KB)
389 Commercial Law Association of Australia (PDF 50KB)
390 Panfilo Di Lullo (PDF 49KB)
391 National Institute of Accountants (PDF 473KB)
392 Interprac Limited (PDF 84KB)
393 AFMA (PDF 84KB)
394 Axiom Wealth Pty Ltd (PDF 130KB)
395 Jim Stewart (PDF 38KB)
396 Macquarie Group Limited (PDF 277KB)
397 Australasian Compliance Institute (PDF 252KB)
398 Michael Peters (PDF 146KB)
399 Maurice Blackburn Pty Ltd (PDF 73KB)
400 Finance Sector Union (PDF 127KB)
401 Bank of Queensland Ltd (PDF 92KB)
402 CONFIDENTIAL
403 Lurline Gibb (PDF 2063KB)
404 National Information Centre on Retirement Investments Inc (PDF 306KB)
405 Australian Property Institute (PDF 349KB)
406 Bernadette Marriner (PDF 45KB)
407 Murphy Financial Solutions Pty Ltd (PDF 57KB)

Supplementary Submissions

3a CONFIDENTIAL
3b CONFIDENTIAL
8a Victor Ainslie (PDF 13KB)
9a Ruth Fontaine (PDF 535KB)
9b Ruth Fontaine (PDF 49KB)
12a Richard and Jennifer Old (PDF 769KB)
14a Raymond Bricknell (PDF 151KB)
15a Puzzle Financial Advice Pty Ltd (PDF 161KB)
15b Puzzle Financial Advice Pty Ltd (PDF 5223KB)
15c Puzzle Financial Advice Pty Ltd (PDF 337KB)
15d Puzzle Financial Advice Pty Ltd (PDF 244KB)
15e CONFIDENTIAL
15f Puzzle Financial Advice Pty Ltd (PDF 199KB)
15g Puzzle Financial Advice Pty Ltd (PDF 315KB)
15h Puzzle Financial Advice Pty Ltd (PDF 558KB)
15i Puzzle Financial Advice Pty Ltd (PDF 197KB)
15j Puzzle Financial Advice Pty Ltd (PDF 418KB)
21a Graeme and Susan McDonald (PDF 40KB)
30a Sean and Paula McArdle (PDF 539KB)
34a Australian Investors Association (PDF 65KB)
38a Tupicoffs Pty Ltd (PDF 40KB)
54a Ron Jelich (PDF 123KB)
67a APT Strategy Pty Ltd (PDF 193KB)
73a John Salmon (PDF 1177KB)
109a CONFIDENTIAL
119a Cotulla Trust (PDF 95KB)
167a David and Isabel Dowling (PDF 47KB)
173a Luke Vogel (PDF 213KB)
179a CONFIDENTIAL
182a NAME WITHHELD (PDF 580KB)
182b NAME WITHHELD (PDF 618KB)
276a Storm Investors Consumer Action Group Inc (PDF 264KB)
307a NAME WITHHELD (PDF 150KB)
322a Argyle Lawyers Pty Limited (PDF 56KB)
367a AMP (PDF 488KB)
369a Levitt Robinson Solicitors (PDF 378KB)
396a Macquarie Group Limited (PDF 142KB)

General responses to adverse comment

1 Financial Planning Association of Australia (PDF 28KB)
2 APRA (PDF 370KB)

Form Letters

The committee also received form letters as follows:

1 Form Letter 1 (PDF 403KB)

Copies of this letter were received from:

Panfilo Di Lullo
Graham Gilmore

For further information or to obtain hard copies of submissions, contact:

Committee Secretary
Parliamentary Joint Committee on Corporations and Financial Services
PO Box 6100
Parliament House
Canberra ACT 2600
Australia

Phone: +61 2 6277 3583
Fax: +61 2 6277 5719
Email: corporations.joint@aph.gov.au

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