Faith and Banks Audio Message

For the past few months I have been sharing a message around the place about Faith and Banks.

It is a sermon I have been able to preach in many different churches and small groups, sharing my perspective on Faith in God and how that has been part of my fight with Macquarie Bank and Perpetual Trustees, the courts and sheriff over my home.

I hope to have a video version of the message available on YouTube, but so far I do have an audio version uploaded by Ps Larry Sebastian, where I preached this message last Sunday (March 20) in Casey City Church in Fountain Gate, Melbourne.  Click here to listen to the Audio of that message.

The first half of the message explores what the Bible shows us about God’s grace, which is the basis of my life of faith.

Then I explain how my understanding of faith has supported me over the past 18 months as I have engaged in taking on lies and fraud in the banking industry and injustice in the courts.

That battle is not over, but so far we are delighted with where things have come to and where they are heading.

Here is the link to that message:

Someone wrongly labeled the message as Parenting, since I shared on that topic at Casey City Church last year.  Ignore the title and enjoy the message.

Let My People Go

“Go tell it on the mountain, over the hills and far away.
Go tell it on the mountain, to let my people go!

These lyrics come from an African-American spiritual that dates back pre-1865 and was popularised by Peter, Paul and Mary in 1963.  It reflects on Moses bringing Israel out of slavery and was picked up as a cry for freedom from all who are oppressed.

And that takes me back to writings that predate the modern Americas, from the pen of the Prophet Isaiah approx 600BC.  Isaiah experienced visitations by the Spirit of God, causing him to know what God was thinking or saying about things.  Isaiah wrote what God told him, even though he didn’t know what it was all about.

For example, Isaiah prophesied that Jesus would be “wounded for our transgressions” and “bruised for our iniquities”, would bear our sorrows and heal us by whip marks on his own body (“by his stripes you will be healed”). See Isaiah 53.  Isaiah also said the death would be linked with the wicked and the rich – so Jesus was crucified with 2 thieves and then buried in a rich man’s tomb.

Significant for freedom fighters is Isaiah’s lovely prophecy about Christ in Isaiah 61, which tells of the powerful impact of God’s people when they operate under the anointing of the Holy Spirit.

“The Spirit of the Lord GOD is upon me; because the LORD hath anointed me to preach good tidings unto the meek; he hath sent me to bind up the brokenhearted, to proclaim liberty to the captives, and the opening of the prison to them that are bound” Isaiah 61:1

Christians understand freedom at many levels, starting with freedom from slavery to sin and its eternal judgment, through the forgiveness we can claim because Jesus paid our price with his own blood.

And Christians also understand freedom from the power of sin, such as addiction, fear, guilt, shame, anger, lust, greed, pride, and so on.

And Christians also understand freedom from the power of the devil, such as inner torment, turmoil, agitation of mind, compulsive behaviour and the like.

But many Christians balk at the idea of freedom expressed in social change.

Modern Christians seem to see Christianity as a personal experience which can then spill out in influence upon family and the society of their closer friends and associates.  But to take a stand against injustice, condemn evil in the culture or challenge governments and leaders is seen as almost ‘unChristian’ behaviour.

So let’s go back and see Isaiah’s prophecy from 2,6oo years ago…..

“The Spirit of the Lord GOD is upon me; because the LORD hath anointed me to preach good tidings unto the meek; he hath sent me to bind up the brokenhearted, to proclaim liberty to the captives, and the opening of the prison to them that are bound” Isaiah 61:1

A person, or a group of people, are to have God’s Spirit come upon them, for a divine purpose.  This means that the purpose to be achieved is not one that can be done by ordinary people who are not empowered by the Spirit of the Living God.

God’s social agenda in placing His Spirit upon people involves preaching good news to people who are humble and looking for God’s help (the meek).  And it involves bringing inner restoration of heart to those who have been hurt and wounded by life’s experiences – such as rejection, shame, defeat, discouragement, loss of purpose, slavery to addictions, etc.  And it involves liberating people who are captives and opening prison doors for those who are enslaved.

So, yes, this does suggest release from slavery to sin and personal issues, such as addictions, fears, anger and the like.  But it does not exclude liberation for people who are taken captive by social injustice, tyranny and oppression.  And the prison doors are not just personal and internal.  They may also include the prison of debt and government deception.

Those liberated by God’s anointed ones may well be those who have been made into debt slaves by bank lies or government statutes that deny them their God-given freedoms.

And so I find myself engaged in a struggle to break the chains of Bank Fraud.  I never expected to be in such a situation, but I sense that it is a natural outworking of my life of service to God.  I am sure many of my ministry peers will think I have been sidetracked or caught up in something that dilutes my effectiveness in the Real Business of serving God.

But I also find myself contending with Injustice in the Courts, and tyranny and treason in government and society.

While I am first and foremost committed to the need every person has to find Jesus Christ as their personal saviour and Lord, and to become sons and daughters of the most High God through faith in Jesus Christ, and to live in the power of Christ under the anointing of the Holy Spirit, being led by the Spirit to build God’s Kingdom as He personally calls them to do so, I am also applying the gospel to wider issues.

And this past week my attention was drawn back to Isaiah 61, and the example of Moses centuries before that, dealing with the call to “Let My People Go”.  I realised that opening prison doors and setting captives free had direct connection with my attempts to release us from bank lies and injustice in the courts.

If I can assist the breaking down of these prisons and slavery then the whole culture and nation is blessed.  So, while God calls me to do so, I’m in the business of social justice, social action and social transformation.

Only Jesus Christ can truly transform lives. Only God’s Spirit can effectively empower people to achieve the changes we need.  And here I am, putting in my hat with thousands of others who have seen the oppression and cried out for release.  To the ability God gives me and with the talents and wisdom He allows me to draw upon, I am here to say, “Let My People Go”.

Set My People Free

Banks Abandon Core Business and Customers

This is a Press Release about Natalie Sayers, who cannot get the bank to accept payment on her loan!

The Bank doesn’t want her money, but wants HER HOME!

After Natalie Sayers was served with a Foreclosure Notice for her Victorian home in November she tried repeatedly to pay the bank the outstanding money they claimed.  But the bank would not take the money!

She is now desperate, with money to pay the bill, but the bank refusing to accept it.

They want to have her home, not her money!

The explanation is simple. Since 1993 banks have moved away from the business of banking because they make much more money creating derivatives on Home Loans.  The process of Securitisation creates an investment which provides nice profits for the bank.  So it is better for a bank to evict a family and issue a new home loan to securitise than to properly serve their customers.

This is just one of many evils associated with Securitisation and that is why the process is under scrutiny internationally from regulators and consumers alike.

Pastor Chris Field launched and wrote a 60 page book titled “Banks Lie!” as part of his response to Macquarie Bank denying that it has abandoned its rights to his mortgage because of securitisation.  The Fields have been evicted once and moved back into their own home to draw national attention to the problems securitisation creates.

Chris points out that banks have abandoned their core business and lost sight of their customers.  They have become derivatives traders, rather than providing traditional banking services.  All this is at the expense of home owners who are put at risk from the securitisation process.

Marie McDonnell, a USA expert on mortgage fraud, was a principal witness in the recent Massachusetts court case for Antonio Ibanez and Mark and Tammy La Race. In early January 2011 the Massachusetts Supreme Court ruled against two banks, exposing the whole banking industry to a collapse of their claims on homes, due to disposal of rights through securitisation.

Among the comments McDonnell makes about what banks do are these:
No one who has a loan secured by a mortgage on his home is safe.
Back in 1995, I first started seeing Servicers manufacture a default on a current loan and institute a foreclosure action even though the consumer had made every payment on time.
There is so much fraud throughout the system that it is unimaginable. We are now living in a criminal culture where the Banksters are running the show with impunity.
Each of these securitizations is a Ponzi scheme. There was never going to be enough money in the system to return the investors’ principal.
These loans were designed to fail.”

An Australian securitisation expert, Dr Pelma Jacinth Rajapakse, was quoted in the University of NSW Law Journal in 2006 making some similar claims to McDonnell.
“Securitisation … involves the risk that borrowers might find their homes sold by downstream financial intermediaries who have ‘purchased’ their bank’s … mortgagee rights. This is not because of a failure to pay on the part of the borrowers
“The risk the banks run … they could ultimately face a wave of litigation.”

For more information about these matters visit and get the Free Download of Chris Field’s excellent book “Banks Lie!” from

New Prime-Time Interviews with Chris and Susan Field

Susan and I were seen last night on two national TV channels in Australia, at the same time!

Channel 7 interviewed us on Christmas Eve and put their story to air in the Today Tonight program at 6.30pm.  We were the lead story.

Channel 9 recycled existing footage they recorded back in October and linked that into new footage of a lady fighting the banks (who I put them in touch with) in the A Current Affair program at 6.30pm.  Again, we were the lead story.

It came about because of a level of competition between the two programs.  But it is good for us – at least for all those watching TV at 6.30pm.

To see the Channel 9 story go to their on-line hosting at:

To see the Channel 7 story click on the “PREACHER V THE BANKS” story at:
Note that this story may not be readily available.  If you find a permanent link to the story please let us know.

The original A Current Affair (Channel 9) story from October can be found at:

Why Bother

Our story was given national coverage on TV as “Home Loan Siege” on A Current Affair. That sure has created a stir.

I spoke with a local yesterday who asked me why I bother challenging Bank Fraud. His reasoning went like this.

1.         You either pay the Bank or someone they sold your loan to, so it doesn’t matter if the Bank is lying, there is nothing in it for you.

2.         The Bank has more money than you, so you will lose anyway.

3.         There’s no point in taking on the banks.

Sadly his approach is one we have heard too many times in recent weeks.

A Pastor’s wife told Susan “I don’t have a loan.” When Susan pointed out that many people do have loans involving fraud the woman said, “I don’t have a loan.” When Susan tried to point out that Banks commit Fraud and the Courts commit Treason the woman said, “People shouldn’t take loans then they wouldn’t have any trouble.”

The responses we confront carry the sense of “I’m alright. Blow you Jack!” (Self-interest only) and “What’s the use?” (Defeatism). The reason the Banks commit wholesale Fraud (now exposed in the USA) and the Courts commit wholesale Treason (as I have encountered many times this year) is because “good people do nothing”!

It’s the “I don’t care!” attitude and the “Why bother?” defeatism that created this problem.

I told the local chap someone has to stand up to evil, or my grandkids will ask why I didn’t protect their future. He patted me on the arm, told me I’m a brave man, then advised me I would lose anyway.


That’s why justice in Australia is non-existent; why we pay fines we shouldn’t have to pay; why the courts dismiss us as irrelevant; why politicians lie to us and do their own thing; why Treason rules and our lawful rights are trampled.

Now, if SOMEONE HAS TO DO SOMETHING, who should that be?

Someone has to say “It DOES MATTER!” and “It’s WORTH THE FIGHT!” Someone has to stand up and challenge evil, or we will all be swamped by it.

Julia Gillard, Tony Abbott, Bob Brown, Bob Katter, Tony Windsor, Rob Oakeshott, John Brumby and a host of other influential politicians should be the first to defend us. But, I’m afraid to say, they are part of the Treason problem, either by seeking to destroy our Constitution or not stopping others who are doing so.

What about the leaders in industry, science, commerce, arts, media and so on standing against Fraud and Treason? I can’t see them. The “heroes” haven’t breathed a word about it.

Surely the Church is championing the cause. Can you see that? I can’t see anything but a few individuals banging their head against the Courts and the pollies. Most are ignored by the media, painted as trouble-makers and struggling against apathy of the masses.

That’s why I bother. One day I will stand before Almighty God and He will ask about my BIRTHRIGHT. He will ask me what I did with the freedoms and rights He gave me. I don’t want to tell Him “I sold my birthright for a weekend in the sun!”

I want to say, I treasured everything You gave me, and I fought to defend it, and all Aussies are now living better lives because I brought down Fraud and Treason!

When you get to my age leaving a lasting heritage is means much more than fast cars or the latest fashion. I have a use-by date, but my kids and grandkids will inherit whatever is left of Australia once we have finished abusing it.

So I’m turning the tide. I’m on a ridiculous campaign against evil at the highest levels and apathy or self-interest everywhere else.

It reminds me of Don Quixote “To Dream the Impossible Dream” – “And the world will be better for this, that one man scorned and covered with scars, still strove with his last ounce of courage – to Reach the Unreachable Stars!”

Grab your donkey and come for the ride!