Nick Kudeweh <nkudeweh@gmail.

com>

Dear Legal Services Commissioner, The Judiciary & concerned others,

I consider myself a fairly grounded individual, and one who is rather pragmatic but what I
have read from these emails is an outrage. So much so I felt compelled to write this email.
Correct me if I am wrong, but in a nutshell, NAB gave Sgargetta a formal payout notice in
order for him to payout their loan, so he could finance the purchase of a new home for his
family. NAB left it to the eve of settlement to tell Sgargetta it was a f-up and then refused to
allow him to settle.
Instead of fixing their f-up, NAB did nothing for 4 years, leaving Sgargetta to try and sort out
their f-up payout notice somehow. Then believe it or not NAB commence proceedings
against Sgargetta, because he cant obviously pay 2 mortgages, as NABs was supposed to
of been paid out.
NAB then gives Sgargetta a settlement deed to resolve their f-up and requested the very
same $299,000 amount they requested 4 years earlier to be paid. Amazing!
Sgargetta gives them the payment, almost a month before it was due and NAB turn it down,
and then shockingly try to cover it up in trial.
Melissa Thomas and Adam Segal should have their arses whopped for this conduct. Either
the Judiciary is asleep or have intentionally dodged this clear deception by these so called
professional bankers and barristers.
Commissioner, I suggest you summons the integrity to do something about this, the
evidence is embarrassing obvious and us community members and NAB
clients/shareholders are appalled.
I am reminded of the classic High Court case of Toll v Alphafarm, where the nature and spirit
of a contract is everything, clearly this contract was about resolution and payment. Sgargetta
clearly gave NAB payment and therefore honored the spirit and intentions of NABs cunning
deed. What I have read NAB clearly didn't even know what their terms were for compliance,
they gave all these attempts to look reasonable but clearly they were not.
Sgargetta was just trying to buy a family home and have his wifes family near his family.
This appalling matter couldve happened to any of us.
NAB breached the Credit Code and Judge Cosgrave allowed them too, amongst everything
else he gifted to them.
This actually concerns all of us. Banks should not be allowed to verbalise payouts and then
change their minds at the last minute. Its a clear breach of the s83 code.
We know Judge Cosgrave makes whopping mistakes as the appeal court found, i.e. the
$299,000 payment was made to NAB, OPENLY!!!! It wasnt without prejudice.
Mr Segal knew that of course and decided to mislead the courts.
Other readers please assist in rallying behind this. Get on to social media, forums, blogs
whatever
Barristers for banks should not be allowed to get away with this conduct.
I recall a Judge Osborn in this matter declared he had I believe $250k in NAB shares and
refused to recuse himself from the matter, I mean that is unacceptable as well.
These are our courts not the banks! Justice needs to be served to these deceitful individuals.
The jig is up!

Yours sincerely,
Mr N Kudeweh
EDS20_ASegalNoPayment299.pdf

EDS5G_TrialTrans_MThomasChequePayment5.pdf

falsestatements_legislation.docx

VT5_AppealTrans_SHAYAdjourn.pdf

EDS5B_TrialTrans_MThomasChequePayment1.pdf

EDS9_AppealTrans_AllAbout20MarchOnFoot_AndTende...

VT6_AppealTrans_SHAYNAB_ConsequenceOfNO21A.pdf

EDS5F_TrialTrans_MThomasChequePayment4a.pdf

EDS23_8MarHear_ASegalRejectsCofirmation.pdf

AcceptableTerms_5Feb13_NAB_Deed.pdf

Dear Commissioner
C\- Russell Daily,