“The Winning Borrower” 

“I was phoned one day by an IT executive, just after I had spoken to a farmer whose total crop proceeds had been seized by the bank. The IT expert had a similar problem. His bank account had also been frozen after a large deposit had been made into the account. The bank’s receiver took it all.”

So begins “The Winning Borrower”, the story of how the Sydney Chartered Accountant who invented Votergrams,  became a “bank loan consultant” the following year when banks were freed of government regulation and took on the big banks to save farms all over Australia from foreclosure.

Baseball bats to battle bank debt issues

In the process of negotiations, mediations and refinancing, he discovered the disturbing details of how banks lied, cheated and trapped the farmers in debt they could not clear without selling the farms. The author relates how untrustworthy banks have exploited customers since de-regulation in their quest for multi-billion-dollar profits. He takes a metaphorical baseball bat to the bankers to knock sense into their heads. He reveals how he uses Votergrams to report their dishonest practices to parliament. Some of his farmer clients ended up making more profit out of their loan settlements than out of farming.

Royal Commission investigates bank loan problems

The day the Prime Minister announced that there would definitely not be a Royal Commission into the banking industry, the author sent a Votergram to each one of the 225 Federal MPs decrying the decision. Within days the decision was reversed and the Royal Commission announced.

Author makes book free to farmers during March

“The Winning Borrower” 85 page e-book by this 4^th generation farmer, Chartered Accountant, CPA and democracy advocate who became a bank loan consultant by accident, is available during March as a FREE e-book to help farmers and business owners all over Australia enjoy more profitable and secure lives.