| 1 |
Mr Lawrence Lyons (PDF 98KB) |
| 2 |
Mr and Mrs P. and L. Randles (PDF 78KB) |
| 3 |
Mr Graham Hyde (PDF 38KB) |
| 4 |
Kelgon Development Corporation Pty Ltd (PDF 64KB) |
| 5 |
Mr/Mrs Gilbert and Sylvia De Michiel (PDF 181KB) |
| 6 |
Mr Malcolm McKellar (PDF 50KB) |
| 7 |
Mr K. W. Grundy (PDF 65KB) |
| 8 |
Confidential |
| 9 |
Mr Alan Harrison (PDF 334KB) |
| 10 |
Confidential |
| 11 |
Mr Gregory Cadwallader (PDF 1219KB)
Reponse received from Shane Tregillis, FOS(PDF 45KB) |
| 12 |
Name Withheld (PDF 44KB) |
| 13 |
Name Withheld (PDF 63KB) |
| 14 |
Name Withheld (PDF 3172KB) |
| 15 |
Mr Nicholas Murphy (PDF 59KB) |
| 16 |
Name Withheld (PDF 54KB) |
| 17 |
Mrs Noeline Winton (PDF 367KB) |
| 18 |
Mr Tony Mollison (PDF 4070KB) |
| 19 |
John and Maureen Monckton (PDF 111KB) |
| 20 |
Mr Nashaat Sedhom (PDF 2885KB) |
| 21 |
Mr Frank Galea (PDF 2952KB) |
| 22 |
Mr Hans Sprangers (PDF 160KB) |
| 23 |
Mr David Crisp (PDF 202KB) |
| 24 |
Mr Peter Davis (PDF 2274KB) |
| 25 |
Mr Bernie Bourke (PDF 2096KB) |
| 26 |
Moray and Maria McIntosh (PDF 106KB) |
| 27 |
The Hollioake Group (PDF 90KB)
Response received from Mark Conlan, RSM Bird Cameron(PDF 1062KB) |
| 28 |
Mr Robert Laut (PDF 3587KB)
Response received from Robert Wall, Colliers International(PDF 289KB) |
| 29 |
Name Withheld (PDF 56KB) |
| 30 |
Name Withheld (PDF 73KB) |
| 31 |
Professor Milind Sathye (PDF 623KB) |
| 32 |
Diane and Max Lock (PDF 1586KB) |
| 33 |
Reserve Bank of Australia (PDF 470KB) |
| 34 |
Westpac Group (PDF 84KB) |
| 35 |
Chadoora Pty Ltd (PDF 109KB) |
| 36 |
Ms Claudia Damato (PDF 159KB) |
| 37 |
Mr Trevor Eriksson (PDF 260KB) |
| 38 |
Mr Victor Camp (PDF 5262KB) |
| 39 |
Ms Fiona Howson (PDF 105KB) |
| 40 |
Name Withheld (PDF 16KB) |
| 41 |
Name Withheld (PDF 265KB) |
| 42 |
Name Withheld (PDF 50KB) |
| 43 |
Name Withheld (PDF 1597KB) |
| 44 |
Name Withheld (PDF 57KB) |
| 45 |
Insolvency Practitioners Association (PDF 142KB) |
| 46 |
Australian Bankers' Association (PDF 1772KB) |
| 47 |
Rabobank (PDF 9315KB) |
| 48 |
Consumer Action Law Centre (PDF 54KB) |
| 49 |
Australian Centre for Financial Studies (PDF 255KB) |
| 50 |
Financial Ombudsman Service (PDF 2019KB) |
| 51 |
CPA Australia (PDF 3050KB) |
| 52 |
Mortgage and Finance Association of Australia (PDF 2175KB) |
| 53 |
Confidential |
| 54 |
Mr James Neale (PDF 4100KB)
Supplementary Submission(PDF 304KB) |
| 55 |
Australian Prudential Regulation Authority (PDF 1136KB) |
| 56 |
Mr Guy Goldrick (PDF 1762KB) |
| 57 |
Mr Tim Boman (PDF 48KB) |
| 58 |
Kids Plus Childcare Centres (PDF 35KB) |
| 59 |
Name Withheld (PDF 116KB) |
| 60 |
Mr William Doherty (PDF 25KB) |
| 61 |
Name Withheld (PDF 22KB) |
| 62 |
Mr Renaldo Gaiety (PDF 33KB) |
| 63 |
Name Withheld (PDF 394KB) |
| 64 |
Name Withheld (PDF 51KB) |
| 65 |
Name Withheld (PDF 401KB) |
| 66 |
Name Withheld (PDF 71KB) |
| 67 |
Mr Terence Holmes (PDF 56KB) |
| 68 |
Mr Ralph Binks (PDF 196KB) |
| 69 |
Ms Lindie Mehan (PDF 48KB) |
| 70 |
Mr Ian Colquhoun (PDF 3824KB) |
| 71 |
Mr David Bone (PDF 80KB)
Supplementary Submission(PDF 205KB) |
| 72 |
Name Withheld (PDF 93KB) |
| 73 |
Mr Robert Hutchinson (PDF 44KB) |
| 74 |
Mr A Walton (PDF 5105KB) |
| 75 |
Ms Michele Fay (PDF 374KB) |
| 76 |
Name withheld |
| 77 |
Mr Neil Mackay (PDF 71KB) |
| 78 |
ANZ (PDF 492KB) |
| 79 |
National Australia Bank (PDF 225KB) Attachment 1(PDF 326KB) |
| 80 |
Bankwest (PDF 455KB) |
| 81 |
Commonwealth Bank of Australia (PDF 1754KB) |
| 82 |
Mr Jimmy Bieri (PDF 214KB) |
| 83 |
Name Withheld (PDF 45KB) |
| 84 |
Name Withheld (PDF 54KB) |
| 85 |
D and J Holmes (PDF 132KB) |
| 86 |
Mr Andrew Lawry (PDF 155KB) |
| 87 |
Australian Financial Markets Association (PDF 622KB) |
| 88 |
Mr Shayne Martens (PDF 824KB) |
| 89 |
Name Withheld (PDF 298KB) |
| 90 |
Mr Denis Ryan (PDF 2147KB) |
| 91 |
Banking and Finance Consumers Support Association (Inc) (PDF 487KB) |
| 92 |
Mrs Karen Adams (PDF 990KB) |
| 93 |
Mr Peter McDougall (PDF 1334KB) |
| 94 |
Name Withheld (PDF 263KB) |
| 95 |
Name Withheld (PDF 60KB) |
| 96 |
Name Withheld (PDF 46KB) |
| 97 |
Australian Securities and Investments Commission (PDF 294KB) |
| 98 |
Mr Luke Vogel (PDF 97KB) |
| 99 |
Professor Steve Keen (PDF 490KB) |
| 100 |
Professor Imad Moosa (PDF 310KB) |
| 101 |
Name Withheld (PDF 27KB) |
| 102 |
Mr Robert Bourne (PDF 6KB) |
| 103 |
ING Direct (PDF 654KB) |
| 104 |
Messrs Paul French and Geoffrey Reiher (PDF 1825KB) |
| 105 |
Mr D. Lindsay Johnston (PDF 208KB) |
| 106 |
Mr Victor Seeto (PDF 77KB) |
| 107 |
Mr Ronald Cooper (PDF 250KB) |
| 108 |
AJC Enterprises Pty Ltd (PDF 49KB) |
| 109 |
Name Withheld (PDF 139KB) |
| 110 |
Name Withheld (PDF 53KB) |
| 111 |
Mr Sean Butler (PDF 296KB) |
| 112 |
Ms Ellen Brown (PDF 136KB) |
| 113 |
Mrs Maria Rigoni (PDF 166KB) |
| 114 |
Ms Lulu Mu (PDF 842KB) |
| 115 |
Name Withheld (PDF 64KB) |
| 116 |
Name Withheld (PDF 66KB) |
| 117 |
Mr Errol Opie and Ms Ann Marie Delamere (PDF 241KB) |
| 118 |
Mr Geoffrey Shannon (PDF 1322KB) |
| 119 |
Mr Alan Griffiths (PDF 1103KB) |
| 120 |
The Treasury (PDF 694KB) |
| 121 |
RICS Oceania (PDF 254KB) |
| 122 |
Mr and Mrs Bruce and Linda Hathaway (PDF 271KB) |
| 123 |
Mr Kimberley Burton (PDF 137KB) |
| 124 |
National Hotel Property Pty Ltd (PDF 342KB) |
| 125 |
Mr Mark McIvor (PDF 334KB) |
| 126 |
Confidential |
| 127 |
Confidential |
| 128 |
Confidential |
| 129 |
Confidential |
| 130 |
Confidential |
| 131 |
Confidential |
| 132 |
Confidential |
| 133 |
Confidential |
| 134 |
Confidential |
| 135 |
Confidential |
| 136 |
Confidential |
| 137 |
Confidential |
| 138 |
Mr Damien Morris (PDF 165KB) |
| 139 |
Confidential |
| 140 |
Confidential |
| 141 |
Confidential |
| 142 |
Confidential |
| 143 |
Confidential |
| 144 |
Confidential |
| 145 |
Confidential |
| 146 |
Confidential |
| 147 |
Mr John Wharton (PDF 102KB)
Response received from Bill Buckby, Kordamentha(PDF 453KB) |
| 148 |
Mr Ken Winton (PDF 435KB)
Response received from Denise North, IPA(PDF 171KB)
Reponse received from Shane Tregillis, FOS(PDF 61KB)
Response received from Robert Moodie, Rogers Reidy(PDF 608KB) |
| 149 |
Buranda Properties (PDF 106KB)
Response received from Brett Gale,Westpac(PDF 23KB)
Response received from Robert Jackson, King and Wood Mallesons(PDF 2028KB) |
| 150 |
Abacus - Australian Mutuals (PDF 826KB) |
| 151 |
Confidential |
| 152 |
Confidential |
| 153 |
Australian Securitisation Forum (PDF 183KB)
Supplementary Submission(PDF 196KB) |
| 154 |
Mr Tony Townsend (PDF 234KB)
Response received from Morgan Kelly, Ferrier Hodgson(PDF 12152KB) |
| 155 |
Confidential |
| 156 |
Finance Sector Union (PDF 111KB) |
| 157 |
Confidential |
| 158 |
Confidential |