Before going to Court:

Contacted senior reputed legal firms in Melbourne and many non profit bodies that act on behalf of the borrowers in trouble, no one had confidence to take the bank to court.

So without legal representation, just with my legal knowledge of teaching for 2 years, various Australian Law (including Trade Practices Act and Court Room Procedures), I filed my first case against Westpac Banking Corporation in Dec 2006.

Against Westpac:

I filed 2 cases against Westpac Banking Corporation both in VCAT, ref C111/2007 (filed on 19^th dec 2006, registered by VCAT on 9^th January 2007).

C1937/2007 (filed on 21^st March 2007, registered by VCAT on 30^th March 2007). Both Hariharan Iyer Vs Westpac Banking Corporation.

Both have NOT been placed in legal database.

Both were dismissed.

In the first one I paid $ 10,000 in costs to Westpac.

In the second $ 13,000 approx to Westpac.