THE report below is a follow-up provided by a couple previously reported by Cairns News to be fighting a long-running personal battle with the ANZ bank, whose management simply refuse to respond to legitimate questions about the couple’s mortgage.
The couple are keen to hear from other people and have provided a contact email below:
Weaponizing the Legal System: Queensland Couple and XYZ Bank
For the past three years, a Queensland couple has been entangled in a relentless battle with ANZ Bank, struggling to address what they believe are outstanding loan liabilities. Their story highlights a dark side of modern banking: the manipulation of the legal system to wear down and ultimately destroy any customer who dares challenge the bank’s practices. This is a tale of how financial institutions systematically weaponize legal tactics, using a series of calculated maneuvers to crush individuals under the weight of bureaucracy and legalese.
Deflection, Distraction, and Diminishment
When the couple first approached ANZ Bank, they were met with typical corporate deflection tactics. Every inquiry, every request for a simple meeting to discuss the matter, was met with avoidance. Instead of addressing their concerns directly, the bank sent them running around in circles, making them jump through hoops while continually diminishing the significance of their issues.
The goal here is simple: to tire the customer out, to make them feel as though their concerns are trivial, unimportant, or invalid. If the bank can manage to make the couple feel that their fight isn’t worth pursuing, they hope that the issue will be dropped altogether. When you’re caught in this web of bureaucracy, it’s easy to lose sight of the core issue and become bogged down by trivialities.
Delay Tactics and the Final “Closed” Door
Once the couple remained persistent, the bank escalated their approach. Their next step was a classic delay tactic—dragging out the process in such a way that a resolution seemed like a distant dream. Documents were withheld, responses were slow, and every time they seemed close to making progress, another obstacle would appear.
Finally, after enough time had passed, the bank would close the matter entirely, claiming that the issue had been “resolved” or “closed,” even though the core concerns remained unaddressed. This is the final maneuver in the 6 D’s playbook: deny the customer further opportunity to engage. When they’ve done everything they can to wear you down, they will simply declare that the matter is “closed”—even if the issue is far from resolved.
Enter the Legal Minefield: Lawsuits and External Lawyers
When persistence becomes a threat they can no longer ignore, the bank turns to the most damaging tactic of all: the lawsuit. Without warning, they’ll hand the matter over to external lawyers who have no understanding of the specifics of your case—only a brief to apply the same tactics of delay, distraction, and deflection. This strategy is designed to draw you into their “legal sandbox” where they control the rules of the game.
Contrary to consumer protection laws and debt collection guidelines, the bank’s approach to legal action is less about fair resolution and more about forcing you into a legal quagmire. By issuing a lawsuit, the bank attempts to intimidate and confuse you, hoping that you’ll buckle under the pressure and agree to play by their terms.
The Illusion of Justice: A Business, Not a Court
In theory, courts are supposed to deliver justice—but in practice, they operate more like administrative business houses than true arenas of justice. Courts, particularly those that follow the Uniform Civil Procedures Rules, are designed to favor those who can afford to play in the system. Justice becomes a game of paperwork, deadlines, and technicalities where the party with the most resources—often the bank—can outlast and outspend the individual customer.
In this system, once you engage with the legal process, you’re already on the back foot. The moment you step into the courtroom, you’re guilty by default—the rules of the game are stacked against you. The focus shifts from the core issues of your dispute to the minutiae of legal procedure. The bank doesn’t have to prove you owe the debt beyond a shadow of a doubt—they just have to keep you entangled in the system long enough to make you give up.
The True Intent: Financial and Emotional Destruction
Perhaps the most insidious aspect of this strategy is the financial and emotional destruction that follows. The couple has found themselves in a situation where even if they had a strong case—one that could, in theory, win—they’re still at risk of losing everything because they can’t afford the cost of prolonged litigation. The fear of legal costs is very real. With court fees, lawyer fees, and the cost of being stuck in this system, the bank is betting on the fact that you’ll run out of money long before you get your day in court.
For the average person, this process can be financially devastating. Legal fees can pile up quickly, often to the tune of $30,000 a day for court hearings. For many, this is an amount that simply isn’t feasible to cover, and the fear of losing everything becomes overwhelming. Even if you were to win, the process can strip you of your financial security, wreck your emotional health, and leave you with nothing but debt and despair.
The Bank’s Goal: To Wear You Down
In the end, the bank’s tactics aren’t about finding a resolution to the dispute—they’re about preserving their brand and safeguarding their shareholders. The goal is not to resolve your issue fairly but to protect the institution at any cost, even if that cost is your personal and financial well-being. By using the 6 D’s, the bank ensures that the only path to resolution for most customers is either capitulation or destruction.
The game is rigged. They know that most people, understandably, are fearful of the court system and don’t have the resources to keep up a long legal battle. By playing on these fears, they funnel individuals into a legal system that’s not designed for justice but for survival of the fittest. The bank’s legal strategy isn’t about right or wrong—it’s about outlasting you.
Conclusion: A Call to Arms
The case of this Gold Coast couple is a stark reminder of the predatory tactics employed by banks today. They don’t just make mistakes or misunderstand customer concerns—they have perfected a system of deflection, delay, distraction, and destruction.
If you find yourself caught in a similar situation, it’s important to know what you’re up against. These institutions are not just seeking to resolve issues; they’re looking to bankrupt your ability to challenge them. The 6 D’s are real, and they’re designed to ensure that only the most persistent or financially secure individuals have a chance at a fair hearing.
Never give up – this Queensland couple has the bank and it’s lawyers running around in circles – you can email them at anzmatters@proton.meThe system needs to change—because until it does, the bank will continue to wield its legal power like a weapon, destroying anyone who dares challenge its supremacy.
