I Published books on this:

1. Lender's fraud borrowers over 20years or @PMT failure  a book of 28 pages explains in common person's language why compounding interest is NOT appropriate, at least on long term loans.

2. Covering? an 'Un coverable' a real experience in Melbourne, as if I have been corresponding with 'clowns' heading various departments.

3. Business Plan and Cash flow & Profit and Loss budget I prepared, for starting a lending company. The cash flow and profit and loss budget proves that charging simple interest on all loans, still this lending company can pay dividends, at least equal to the dividend rate paid by National Australia Bank in 2006, just by cutting down, some special payments to  CEOs of these entities.

Other related documents:

1 Federal Senator Fielding enquiry on 'Bank Fees & Charges" (not about method of charging interest on loans!!!).

2 Criminal Codes Act 1995 relevant Part 7.3 and 7.4 pages 236-249 shows criminal offence committed by these banks! Case citations and basic Trade Practices Act and its difference with other legislations.

3  Consumer Credit Code web download regarding Mandatory Comparison Rate Act 2003 requiring the lenders to disclose as a "single percentage per annum" the "total cost" of the loan. Either the Act is NOT speaking proper English (which I believe is speaking clearly) or the Banks and lenders are from Non-English speaking background!!! (perhaps only way to escape).

4.Special Characters. Shaun & James, Praveen Rao, Andrew, Peanut allergy, Praveen's tax email.

5.Highest income tax paid ($3 million) by a client of the practice who operated airline service for ADF (Australian Defence Force) to transport people and supplies to Afghanistan, Iraq etc. Page 1, Page 2.

6.Westpac bank statement where $1.2million has come in and gone out in Jan - March 07 to a client of my practice who made his attempt to back stab. Page 1, Page 2, Page 3, Page 4.