My name is Paul Herman and after an illness in 2011 I was having difficulties making my loan payments to ANZ and NAB. I was advised to get a copy of my loan application forms. I found that ANZ Bank had increased my income by about 400% and reduced my expenses down to a quarter.
The National Bank said they destroyed my loan application form, even though they are required by law to provide it to me. However they did send me the following chart in which my income was inflated by about 700%.
My comments in red. See below.