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WI THOUT PREJ UDI CE
ACCC 28-9-2014

5
Cc: Financial Ombudsman Service info@fos.org.au
Westpac C/o ramcintosh@westpac.com.au

Ref; 20140928-G. H. Schorel-Hlavka O.W.B. to ACCC Re complaint ID 400024413 -FOS Case Number 369877
Sir, 10
As a senior citizen I have come across numerous people which could be considered idiots,
imbeciles, gutless wonders, hypocrites, etc, but it seems there are always people who can outdo
those I had to deal with before. Let me explain.
While, as shown below (see quoted correspondence of 24-9-2014) the FOS claims that the
ACCC authorised the banks to engage in a conduct which I view is in clear violation of the Age 15
Discrimination Act 2004 and the Disability Discrimination Act 1992 and cannot be legally
valid. Hence the ACCC must immediately take appropriate action that the financial institutions
rectify any breaches of law, including to ensure that terminals can accept the usage of a signature
authorisation.
20
https://www.accc.gov.au/eform/accc-accc-complaint/confirm?entityform_id=24413
QUOTE
We have received your complaint
Status message
Your submission has been saved. 25
Web form ID: 400024413
Thank you for contacting the ACCC. We appreciate you taking the time to write to us.
If you simply reported misconduct to us, and do not need our advice, we may not respond to you.
If you need information or advice from us, or we need to refer you to another agency, we will usually
write to you within 15 business days of your submission to us. 30
Our website provides information about your rights as a consumer and how to resolve a dispute about a
product or service. See: www.accc.gov.au/consumers
Please also see our website for information about what we can and cant do for consumers and the types
of matters we prioritise. We cannot tell you whether we will investigate a matter you report to us.



2
p2 28-9-2014
INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
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Who is making the complaint?
Title:
Mr
First name:
Gerrit Hendrik 5
Last name:
Schorel-Hlavka O.W.B.
Address:
107 Graham Road
Viewbank VIC 3084 10
Age:
65 and over
Phone number:
0425029944
Email address: 15
admin@inspector-rikati.com
Who is the complaint against?
Name of business:
Westpac Banking
ABN: 20
ABN 33 007 457
Complaint details
Complaint description:
My wife (81) and myself are age pensioners and while I hold one Handycard with Westpac to access
ATM about once every 23 weeks) further I only use signature cards to pay for charges in stores. A 25
problem I have already is that even at the bank using my Mastercard I accidentally use the pin number
of my Handycard on one occasion and wish to avoid having more than one pin number. My concern is
that having more than 1 pin number can lock me out again using the incorrect pin number and getting
older I have constantly to ask companies for passwords, etc. As the range of passwords on the internet is
horrific. 30
Having attended on 28 July 2014 to Rosanna Westpac Branch I was first advised there was no such
thing as a signature card. I asked the woman to check with the manager who likewise advised me of the
same. I then asked the manager to check with the head office and then she advised that there was a
signature card but because I already use a pin for my Handycard I am not eligible to have a signature
card, albeit my wife (joint account holder) can have a signature card. 35
I received documentation from Westpac that it has a "mandate" to force account holders to use a pin


3
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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
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number from "PINwise Industry Security Initiative" which turn out to be an advertising agency. Hence
false and misleading. As such it appears to me the bank with other banks are in collusion seeking to
circumvent the provisions of the Age Discrimination Act 2004 and the Disability Discrimination Act
1992.
Do you use a TTY (Telephone Typewriter): 5
No
END QUOTE

I now pursue to widen the complaint for unethical conduct, violation of legal provisions, etc.
I have been dealing with the FOS (Financial Ombudsman Services) which I view is wasting 10
taxpayers monies and failing to act appropriately.
.
On Friday 26-9-2014 I attended to a store to make some purchases and presented my Westpac
Master card. For some reason this time I couldnt use a signature as the terminal refused to
accept the card, where I normally in this store sign for using my card, this as I continue to refuse 15
to use a pin number for reason that I view it placed me at risk unduly to be robbed.

QUOTE 4-8-2014 CORRESPONDENCE
On Friday 1 August 2014 I received a correspondence from Westpac with a new Westpac
card (see image below) and on Friday 1 August 2014 I attended to Rosanna Branch to have 20
this activated. The woman at the desk made known to me the card would not work without
a pin number. Subsequently my wife and I went shopping as planned and on the 4
occasions I used the card I was twice asked to sign and twice it went through automatically.
END QUOTE
25
As I understood it my Westpac Mastercard when used at terminals used to allow for purchases up
to $35.00 without the need of a signature at Coles and some other limited stores, albeit most
other stores required a signature even if the purchase was so to say a mere $0.50 (50 cents).
Getting back to the incident on Friday 26-9-2014 the teller at the terminal then made known to
me that I merely could swipe the card and it should allow the purchase. He then took the card out 30
of the terminal and showed me how to swipe and the purchase was approved. He explained to me
that this allowed purchases up to $100.00 without needing any pin number or signature.
Moment, Lisa had ordered a new card for me because the signature on the old Westpac
Mastercard was difficult to read but at no time made me aware that now I would get what is
apparently called a tap and go card. 35
Safe to say that the FOS claims:
QUOTE FOS 24-9-2014 CORRESPONDENCE
From the information provided it appears your dispute relates to the industry wide
move to phase out signatures as a verification method at the point of sale. This
initiative has been undertaken by Visa, MasterCard and American Express to make 40
card use safer for their customers.
END QUOTE
Moment the FOS claims that it is safer to use a pin instead of a signature, but like hell it is where
now anyone who gets the card in his/her hands can tap and go at terminals without needing any
signature or pin! That is perhaps making it safer for criminals to rob me but certainly cannot be 45
safer for me. As I indicated also my wife is partly blind and this caused her to retire from work
about 3 decades ago and if she was to have to use the tap and go card then if she hands it over to
a person at a terminal then this person can use it time and time again without my wife realising
this is to authorise numerous purchases, well fraudulent charged purchases. And this is to make it
safer? Come on! At least if my wife has to sign a slip then she knows it only needs to be signed 50
one!


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And there is more to this.
Many persons who are elderly and or disabled may not be aware of the security cameras that are
everywhere fitted in the ceilings and so may use a pin that then can be recorded by the camera.
People who are disabled may not even be able to look up where cameras are situated and so are
in danger by this. 5
Also, I witnessed people struggling to use the pin pad at checkouts and ask others if they can
assist to type the pin for them, and this is supposed to make it safer?
As my previous correspondence also outlined that I was robbed and all my cards then went
missing also. Now someone who were to rob my Westpac Mastercard could quickly purchase for
thousands of dollars, say maximum $99.99 a time without needing a signature or pin number. 10
And this is to make it safer?
.
QUOTE FOS 24-9-2014 CORRESPONDENCE
Australian banks, including Westpac, have approached the Australian Competition
and Consumer Commission (ACCC) for approval to work together to phase out the 15
signature based authorisation of transactions. ACCC approved the transition to the
use of PIN.
END QUOTE

QUOTE Age Discrimination Act 2004 20
3 Objects
The objects of this Act are:
(a) to eliminate, as far as possible, discrimination against persons on the ground of age in
the areas of work, education, access to premises, the provision of goods, services and
facilities, accommodation, the disposal of land, the administration of Commonwealth 25
laws and programs and requests for information; and
(b) to ensure, as far as practicable, that everyone has the same rights to equality before the
law, regardless of age, as the rest of the community; and
(c) to allow appropriate benefits and other assistance to be given to people of a certain age,
particularly younger and older persons, in recognition of their particular circumstances; 30
and
(d) to promote recognition and acceptance within the community of the principle that
people of all ages have the same fundamental rights; and
(e) to respond to demographic change by:
(i) removing barriers to older people participating in society, particularly in the 35
workforce; and
(ii) changing negative stereotypes about older people;
bearing in mind the international commitment to eliminate age discrimination
reflected in the Political Declaration adopted in Madrid, Spain on 12 April 2002
by the Second World Assembly on Ageing. 40
END QUOTE

Disability Discrimination Act 1992
QUOTE
3 Objects 45
The objects of this Act are:
(a) to eliminate, as far as possible, discrimination against persons on the ground of
disability in the areas of:
(i) work, accommodation, education, access to premises, clubs and sport; and
(ii) the provision of goods, facilities, services and land; and 50


5
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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
st
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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
(iii) existing laws; and
(iv) the administration of Commonwealth laws and programs; and
(b) to ensure, as far as practicable, that persons with disabilities have the same rights to
equality before the law as the rest of the community; and
(c) to promote recognition and acceptance within the community of the principle that 5
persons with disabilities have the same fundamental rights as the rest of
the community.
END QUOTE

It should be understood that the age, the disabled, etc may not be aware of overhead cameras 10
recording pin numbers, etc. Also I witnessed that people now ask strangers to assist to put in a
pin number because they are unable themselves to do so. In my view the financial institutions
perpetrating this evil against the age and the disabled must suffer the legal consequences. There
is a lot more to it and below some highlights albeit not in any order of importance nor relating to
all important issues. 15

(1)
QUOTE 30-7-2014 COMPLAINT
As I only use, and not even every week, my handycard for cash withdrawals, then ordinary
I used the credit card with a signature for purchases. Avoiding any dilemma as to having to 20
remember a pin or password. And I am known to insist at checkouts that the person checks
my signature.
This as some 12 years ago we were robbed and my credits card by this also and I am too
well aware that the usage of a signature is therefore better. Some 10 years later, when
removing stacks of b ricks I discovered that the wallet with credit cards had been dropped 25
between the bricks at the back fence, by the thief, and obviously unable to have retrieved it
then because of the height of the stacks.
I do not like automatic approvals because it places me at risk having to disprove the usage
of a card. While the banks are claiming that the customer is not at any disadvantage if they
can prove they didnt give out a pin number, etc, nevertheless this places the onus upon 30
the card holder and also places customers and shareholders at a disadvantage to make up
for the millions if not billions that are defrauded on a yearly basis. As such it are the bank
directors who make the rules but have no personal losses in what they dictate upon others if
it goes wrong.
35
Several weeks ago I objected to the bank having to use a pin for my credit card but no
response was received. Then in the previous week I again contacted the bank and received
a reply to contact the branch.
END QUOTE
40
(2)
QUOTE 30-7-2014 COMPLAINT
On Monday 28 July 2014 (at about 1 pm) I attended to Westpac branch as Rosanna and
bank staff showing an ID of Lisa attended to me.
I explained the nature of my attendance that I required a signature card as I didnt desire to 45
be forced to use a pin but was advised by Lisa that no such kind of system existed. I
requested her to check with the branch manager, this she did. After a short period of time
Robyn McIntosh attended to me with Lisa, and Robyn explained to me there was no such
thing as a signature card as only pins could be used as from 1 August 2014.
END QUOTE 50

(3)
QUOTE 30-7-2014 COMPLAINT


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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
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edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Robyn and Lisa left and I understood Lisa phoned head office. Later Lisa attended to me
making known that yes signature cards were available but only upon a medical certificate.
END QUOTE

(4) 5
QUOTE 30-7-2014 COMPLAINT
While Lisa indicated to me (on Monday) that I should wait until 1 August to apply for a
signature card I explained that would be too late as by then I might be denied to use my
credit card as I desire.
END QUOTE 10

(5)
QUOTE 30-7-2014 COMPLAINT
In my view albeit unintended both Lisa and Robyn initially misled me as to the availability
of the signature card. And I suspect likely numerous other customers may have suffered the 15
same if not at Rosanna branch then elsewhere.
.
END QUOTE

(6) 20
QUOTE 30-7-2014 COMPLAINT
In my view Robyn was misleading me that there is legislation (obviously a typing error)
as legislation refers to the Parliament to enact a law and not for internal banking
purposes.
END QUOTE 25

(7)
QUOTE 30-7-2014 COMPLAINT
As Westpac closed its branch in Heidelberg and my wife has no longer a driver license, this
as she handed it back more than 25 years ago due to eye sign problems, it means that at any 30
time I am ill she would need to walk about 4 or 5 kilometers to the branch to be able to get
cash out and will be stung a fee for this, because she cannot deal with a pin number with a
card.
This is an extraordinary burden to her, in particular considering the about 30 degrees
increase in road surface, and I view that the banks are blatantly ignorant to customers 35
rights.
END QUOTE

(8)
QUOTE 30-7-2014 COMPLAINT 40
I do not consider the bank can force me/my wife to incur on behalf of the Commonwealth
of Australia a cost to attend to a medical practitioner and perhaps also a specialist to obtain
some form of medical certificate and still no guarantee that a signature card will be
provided.
END QUOTE 45

(9)
QUOTE 30-7-2014 COMPLAINT
In my view the banks are compelled to follow Commonwealth of Australia policy that
account holders of pensions can access their pensions without bank charges and that clearly 50
is no longer applicable unless one uses an ATM (at risk) and even then when the local
branch ATM fails to operate then one incurs a fee using an other banks ATM, even so the
branch ATM may advise to use the other banks ATM.
END QUOTE
55
(10)


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QUOTE 30-7-2014 COMPLAINT
There has been a litany of changes by the banks, and in Berriwillock the local branch
closed (about 25 years ago) and then people only had efpost to access monies, and the local
businesses using efpost had to pay thousands of dollars for this system usage having to
then recoup it from customers. As such banks are ongoing causing directly/indirectly 5
additional cost to customers and in particularly by this grossly disadvantage old age
pensioners. After all for an age pensioner having to walk a 40 kilometer round trip ( if not
incurring cost of running a car to withdraw the pension) to access the nearest branch or to
be forced to use efpos is in my view too long going on.
END QUOTE 10

The following are some of the correspondences
QUOTE 30-7-2014
WI THOUT PREJ UDI CE
Financial Ombudsman Service 30-7-2014 15
info@fos.org.au

Cc: Westpac C/o ramcintosh@westpac.com.au

Ref; 20140730-G. H. Schorel-Hlavka O.W.B. to Financial Ombudsman Service-Re signature card-etc 20
COMPLAINT

Sir,
I am the holder of accounts with Westpac and use only handycard for cash withdrawals
whereas I used the credit card for ordinary purchases. 25
For about the first 10 years of ATMs being provided for I didnt use them because of the
dangers associated with them, however basically banks are forcing a person to use it as
otherwise one is being charged for cash withdrawals from the teller in the bank. In my
view this undermines the intend of the commonwealth of Australia which required old age
pensions and other welfare recipient to have a bank account so monies could be paid into 30
that so the Commonwealth of Australia no longer would be sending out cheques. However,
the commonwealth of Australia at the time made clear that there would be no charges as to
holding such an account.
It is my position that the banks violated this by charging customers seeking to withdraw all
or part of their pensions for a withdrawal fee if using the facilities of a teller. 35
In my view the banks are required to act within the spirit of the requirements of the
Commonwealth of Australia but fail to do so, this, even so using the pension payments or
part thereof as bank collateral such as to lent out monies to others. Hence, the bank while
using deposits for its own benefits has on the otherhand gone about to force pensioners to
use a pin for automatic withdrawals, as to be able to reduce staff and to minimize over the 40
counter dealings.
While it was open for the banks to refuse from onset to accept such age pension accounts it
didnt do so because very obvious it was getting a lot more monies into its hands to operate
upon.
. 45
It is a known matter that these days going on the internet one generally requires passwords
for most sites for various matters and one is always advised to use a different password/pin
and not to write it down. Also to \change the password regularly, if not every day. Well, I
doubt anyone could remember numerous passwords even if not changing daily let alone
whatever it may be from day to day. Hence, I am constantly requesting to reset the 50
password on numerous sites.
As I only use, and not even every week, my handycard for cash withdrawals, then ordinary
I used the credit card with a signature for purchases. Avoiding any dilemma as to having to


8
p8 28-9-2014
INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
remember a pin or password. And I am known to insist at checkouts that the person checks
my signature.
This as some 12 years ago we were robbed and my credits card by this also and I am too
well aware that the usage of a signature is therefore better. Some 10 years later, when
removing stacks of b ricks I discovered that the wallet with credit cards had been dropped 5
between the bricks at the back fence, by the thief, and obviously unable to have retrieved it
then because of the height of the stacks.
I do not like automatic approvals because it places me at risk having to disprove the usage
of a card. While the banks are claiming that the customer is not at any disadvantage if they
can prove they didnt give out a pin number, etc, nevertheless this places the onus upon 10
the card holder and also places customers and shareholders at a disadvantage to make up
for the millions if not billions that are defrauded on a yearly basis. As such it are the bank
directors who make the rules but have no personal losses in what they dictate upon others if
it goes wrong.
15
Several weeks ago I objected to the bank having to use a pin for my credit card but no
response was received. Then in the previous week I again contacted the bank and received
a reply to contact the branch.

On Monday 28 July 2014 (at about 1 pm) I attended to Westpac branch as Rosanna and 20
bank staff showing an ID of Lisa attended to me.
I explained the nature of my attendance that I required a signature card as I didnt desire to
be forced to use a pin but was advised by Lisa that no such kind of system existed. I
requested her to check with the branch manager, this she did. After a short period of time
Robyn McIntosh attended to me with Lisa, and Robyn explained to me there was no such 25
thing as a signature card as only pins could be used as from 1 August 2014.
I explained to Robyn that some 10 years ago I then had a dispute with this branch and then
contacted head office and they then addressed the problem. And I requested her to contact
the head office to check matters about it as the television program A Current Affair had
indicated such signature cards could be provided. 30

Robyn and Lisa left and I understood Lisa phoned head office. Later Lisa attended to me
making known that yes signature cards were available but only upon a medical certificate. I
urged her to contact the branch manager. Robyn then attended to me again and I explained
matters, including the problems my 81 year old wife has with remembering pin 35
numbers./passwords. That I was the principle card holder of the credit card and while my
wifes card had been cancelled (she was a secondary holder) she would be unable to use a
card if a pin was required. After some considering explanations (in which I also indicated
to Robyn I held it was discrimination to deny me a signature card and would pursue a
formal complaint if I was refused a signature card) Robyn then indicated she would contact 40
head office again and come back to me albeit she would not be able to do so this day
(Monday). I received subsequently the following message on my mobile (I had asked
Robyn to send a text message to me):
QUOTE 29-7-2014 Mobile text message from Robyn McIntosh at 10:45 am
Hi gerrit I have followed up on our discussion around the signature enabled card. This is a legaslation 45
(sic) that has been passed to protect the customer from fraud. By having a self selected pin you are in
complete control of the transactions on your credit card. The signature enabled is available to customers
that cannot use a pin customers that may have disabilities. Gerrit you dont fall in this category you
currently using your handycard with pin. I will be out of office till tomorrow please feel free to contact me
if you want to discuss further kind regards 50
robyn
END QUOTE 29-7-2014 Mobile text message from Robyn McIntosh

Subsequently, becoming aware of this text message I immediately sent back a message:


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QUOTE 29-7-2014 Mobile text message to Robyn McIntosh sent 11:37 am
Robyn
Can you provide derauls (sic) of the legislation you refer to as I intend to lodge a formal complaint with
the banking ombudsman later today 5
Gerrit
END QUOTE 29-7-2014 Mobile text message to Robyn McIntosh

Not having been able to get any details as to the legislation Robyn appears to rely upon I
forwarded then the following text message. 10

QUOTE 30-7-2014 Mobile text message to Robyn McIntosh sent 9.20am
Robyn, I am not aware of any response from you regarding the details of the legislation you claimed the
bank relies upon and request you to provide the relevant details as a matter of urgency, as I cannot delay
my cimplaunt (sic) to the Banking Ombudsman much longer. 15
Gerrit
END QUOTE 30-7-2014 Mobile text message to Robyn McIntosh

In my view it is obvious, that neither the branchmanager or the staff member had been
appropriately instructed/informed to advise customers about the availability of a signature 20
card. It was only because of my insistence that they learned a signature card is available.
As I explained to Robyn also I didnt hold it appropriate that the Commonwealth of
Australia should be incurring cost for all kinds of doctors attendances for customers to
obtain medical certificates as to be able to apply for a signature card without a guarantee to
be provided with one. 25

In my view albeit unintended both Lisa and Robyn initially misled me as to the availability
of the signature card. And I suspect likely numerous other customers may have suffered the
same if not at Rosanna branch then elsewhere.
. 30
In my view Robyn was misleading me that there is legislation (obviously a typing error)
as legislation refers to the Parliament to enact a law and not for internal banking
purposes.
I consider this a very serious matter as it dictates to me that not the bank but the
Commonwealth of Australia (being the one having banking legislative power other than 35
for State banking) having legislated for the requirement of using a pin. I understand that the
Victorian Police has been very vocal of its concern that cards may not require a signature
and allow easier to be used for fraudulent conduct. In my view the banks are undermining
my wife and my security as age pensioners to access our monies by using a signature and
unduly place by increments a burden upon is regardless this offense also Commonwealth 40
Government policy of free access to the age pension.

In the last 14 years, as I can recall, only twice was I require to pay interest, because
ordinary I am having monies in my credit card account by transferring it from my ordinary
handycard account, by this avoiding having to use a pin number unless I need a cash 45
withdrawal.
As such the bank by causing me to use an ATM as otherwise it will charge me for using the
teller, has already forced me to use a pin card against my desire and now try to use this
tactic to force upon me to use a pin n umber for the credit card. It means that my wife, to
withdraw monies can only do so against a charge, as she requires to attend to a teller and 50
then will neither be able to use as secondary card holder the credit card where she needs to
use a pin.
Again, I comprehensively explained this to Lisa/Robyn but it seems to no avail.

As Westpac closed its branch in Heidelberg and my wife has no longer a driver license, this 55
as she handed it back more than 25 years ago due to eye sign problems, it means that at any


10
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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
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time I am ill she would need to walk about 4 or 5 kilometers to the branch to be able to get
cash out and will be stung a fee for this, because she cannot deal with a pin number with a
card.
This is an extraordinary burden to her, in particular considering the about 30 degrees
increase in road surface, and I view that the banks are blatantly ignorant to customers 5
rights.
.
It would be absurd also and I view a discrimination if the bank were to accept my wife to
use a signature card but I have to use for the same account a pin.
10
I do not consider the bank can force me/my wife to incur on behalf of the Commonwealth
of Australia a cost to attend to a medical practitioner and perhaps also a specialist to obtain
some form of medical certificate and still no guarantee that a signature card will be
provided.
I am not aware that ordinary a person is robbed while collecting monies from a bank teller 15
but I understand ample of people have been robbed using an ATM. As such the bank have
already caused customers to be unduly endangered to be robbed.
While bank robberies are known to happen that is different than robbing just a customer.
Because the new contemplated system by the banks would also allow skimming of cards
much easier and allow cameras in stores to detect a pin number without authority of the 20
customer, I do not desire to have this risk. The banks place the onus upon customers to act
appropriately and not to give out a pin n umber or even a card yet the banks themselves are
engaged ongoing in changing the system that makes it easier for criminals to fraudulently
obtain monies and by this unduly burden customers. I didnt ask the banks to close down
branches and replace them with ATMs and it is time banks accept they too have a moral 25
and ethical duty to ensure they are not unduly placing the health and wellbeing of
customers, in particularly the elderly at risk.
While Lisa indicated to me (on Monday) that I should wait until 1 August to apply for a
signature card I explained that would be too late as by then I might be denied to use my
credit card as I desire. 30
In my view the banks are compelled to follow Commonwealth of Australia policy that
account holders of pensions can access their pensions without bank charges and that clearly
is no longer applicable unless one uses an ATM (at risk) and even then when the local
branch ATM fails to operate then one incurs a fee using an other banks ATM, even so the
branch ATM may advise to use the other banks ATM. 35
It are the banks which were closing branches and while for economic al reasons that might
be understood I do not accept that they can use this as a backdoor way to force in particular
age pensioners to walk long distances to get to a branch or incur additional cost to travel by
taxi or otherwise to a branch or be forced to use a pin card. Because the ATM for obvious
reasons requires a pin card I used the credit card as an alternative to avoid as much as 40
possible a pin usage and so reduce the risk to be robbed, etc, and hold the bank cannot
force me to place myself and/or my monies at risk by forcing me to use a pin instead of a
signature card. Someone needs to stand up for the rights and the plight of the age
pensioners who already are vulnerable and easy taken advantage of and the banks immoral
conduct must be stopped. While Westpac under the guise of trying to cut down on 45
overhead cost has been closing branches, such as in Heidelberg, it nevertheless, despite an
existing Westpac branch in Northland shopping centre opened a Bank of Melbourne branch
in the same shopping centre also! There has been a litany of changes by the banks, and in
Berriwillock the local branch closed (about 25 years ago) and then people only had efpost
to access monies, and the local businesses using efpost had to pay thousands of dollars for 50
this system usage having to then recoup it from customers. As such banks are ongoing
causing directly/indirectly additional cost to customers and in particularly by this grossly


11
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disadvantage old age pensioners. After all for an age pensioner having to walk a 40
kilometer round trip ( if not incurring cost of running a car to withdraw the pension) to
access the nearest branch or to be forced to use efpos is in my view too long going on.

This correspondence is not intended and neither must be perceived to contain legal 5
advice nor to refer to all issues/details.

MAY JUSTICE ALWAYS PREVAIL
(Our name is our motto!)
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit) 10

END QUOTE 30-7-2014

QUOTE 31-7-2014 C ORRESPONDENCE
WI THOUT PREJ UDI CE 15
Westpac C/o Robyn McIntosh 31-7-2014
ramcintosh@westpac.com.au

Cc: Financial Ombudsman Service info@fos.org.au
20
Ref; 20140731-G. H. Schorel-Hlavka O.W.B. to Westpac c/o Robyn McIntosh Case Number: 369877
Robyn,
according to my mobile I received at 15.47 on 30 July 2014 the following message
QUOTE 30-7-2014 Mobile text message from Robyn McIntosh at 09:20 am
Hi, gerrit I do apologise for the lateness of my response to your message, I have not been in the office. I 25
am also sorry that you are not happy with the answer I have provided regarding the signature enabled
card.
Gerrit you have every right to contact the ombudsman and I notice from your email that you have done
that and I thank you for letting me know regards robyn
END QUOTE 30-7-2014 Mobile text message from Robyn McIntosh 30

I held it appropriate to provide you (for Westpac) with a copy of my complaint, so you will
be immediately aware of the precise nature of my complaint as well will be aware I have
sought to accurately reflect what eventuated.
. 35
My wife desires to go shopping on Friday 1 August 20014 and it will be a test if business
will accept my credit card or not. As I indicated some weeks ago I contacted Westpac but
no response was received to resolve the issue, and my attempt on Monday to resolve the
issue indicated that Westpac is not interested at all to seek to resolve the issue in any way
but to maintain its own position. Considering that I have been a customer for about 42 40
years with Westpac I consider this kind of conduct appalling. As you may notice from my
credit card usage only twice in about 143 odd years I had to pay interest as ordinary I
transfer monies to have monies in my favour on the credit card.
I recall an incident in 1987 when I requested a loan from Westpac and the bank manager
(of another branch) asked me if I had any debts, I denied having this. The manager then left 45
and shortly afterwards made known I couldnt have a loan (then for about $12,000)
because I had not disclosed to have a bankcard debt of $500.00 I then pointed out to the
manager that it was not a debt because there was a minus in front of me meaning the bank
owed me this monies. He then asked me why on earth I put moneys in the credit card
account, and I explained that this is the way I preferred it. The manager immediately then 50
approved the loan (which was needed as I was short on purchasing a property).



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I also recall an incident where I sought to use my card to pay for petrol when it was
declined. I attend to the Glenroy branch of Westpac as to inquire why on earth the payment
was refused where I should have thousands of dollars in my account. I was told there was
nothing in the account and I had overdrawn on the account. After some time sorting it out
the bank refunded the monies back into my account as in error it had been drawing the 5
repayments of the loan for the property this even so I was already making the payments by
personal payments. My luck was that the petrol station owner knew me and accepted for
me to return, which obviously I did, but clearly Westpac caused undue problems.
.
Now, it is time Westpac stop its problem making conduct and ensures that when I go 10
shopping with my wife I can use the credit card as desired.
While it open to Westpac to arrange that a signature card is available to me on 1
August 2014, for collection from Rosanna branch at about 12 noon, so that any
complications in any store will be avoided, I can assure you I will not give up on this
issue whatsoever. 15

I noticed that you still have not provided to me with the details of the legislation you
referred to Westpac relies upon. As such I have to conclude that such legislation doesnt
exist.
While Westpac may have internal rulings that doesnt constitute to be legislation. 20

As my wife indicates to me that prior to that we became married ( she refers to the 1990s)
she would have to walk all the way to Rosanna branch to withdraw monies by the teller as
she never was able to use a pin card. ( also because of her being partly blind) as well as her
fear being robbed she doesnt want to ask strangers to assist, as well as that she is not 25
permitted to give out any pin number, if she had one, because it would compromise her
security. As such Westpac has been I view callous in its conduct already but once we
became married the problem was resolved. Nevertheless to cause a age pensioner to walk a
round trip of about 8 kilometers just to be ab le to withdraw monies to pay in shops to me
is a deplorable conduct. 30
.
No doubt if I make an error Westpac will show no remorse, at least considering the
numerous media reports, and so it shows a hardline conduct blatantly disregarding long
standing customer service.
35
Below is an example of an email I receive back but that is the end of it as I am unaware of
further communication.
QUOTE
From: Westpac Online <online@westpac.com.au>

To: mayJUSTICEalwaysPREVAIL@schorel-hlavka.com
Cc:

Date: Friday, July 25, 2014 06:00 pm
Subject: RE: Westpac Online - Email an Expert for Schorel-Hlavka
Attachments:
Text version of this message. (1KB)


This is an automated message.

Thank you for contacting Westpac.

We'll respond to you as soon as possible. However, if you need to contact Westpac urgently, simply:

* Call 1300 655 505 (8am-8pm, 7 days)
* Call + 61 2 9293 9270 (24 hours) if you're overseas, or
* Visit your local Westpac branch (westpac.com.au/locateus).

We look forward to assisting you further.



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Yours sincerely

Westpac Banking Corporation
Email: online@westpac.com.au

Security advice
Before accessing emails or the internet, always update your virus, firewall and Operating System software. For
more information on security, visit the Westpac homepage.

Things you should know
Information in this email does not take into account your objectives, financial situation or needs. Before acting on
the information, consider whether it is right for you.

You should read all relevant Terms and Conditions or other disclosure documents before making a decision.
(westpac.com.au/disclosure-documents).

Full details of up to date fees and charges, interest rates, terms and conditions, product information and any special
offers are available from any Westpac branch in Australia or visit: westpac.com.au

Your Privacy
Any personal information you provided in your application has been used by us to either process the application or
contact you on the progress of your account opening. You can access the personal information we have collected, if
retained, by calling 132 032 (8am to 8pm, 7 days).

Unless otherwise stated, this email is confidential. If received in error, please delete and inform the sender by
return email. Unauthorised use, copying or distribution is prohibited. Westpac Banking Corporation (ABN 33 007
457 141) is not responsible for viruses, or for delays, errors or interception in transmission. Unless stated or
apparent from its terms, any opinion is not the opinion of Westpac Banking Corporation. This message also includes
information on Westpac Institutional Bank available at westpac.com.au/wibinfo
END QUOTE

The following is an email where further response is not forthcoming. And generally this
happens time and time again where I am left to delete an email not knowing if it is a scam
truing to elicit details from me. 5
I consider this is a very serious matter that when I report a spoof then the bank fails to
make known if indeed it was or not and so leave a customer nothing the wiser.
Here I am trying to do the right thing but Westpac cant give a damn.
This means it leaves customers unduly and recklessly at risk and leave customers to take
the risk to answer the email and fall in a trap or delete it and it could be that a very critical 10
email is then wrongly deleted.
In my view this is a gross irresponsible conduct that must be addressed.
.
After all what the bank needed to do was to give feedback if the email I reported was a
scam or not! 15
And if so to notify customers of the fake email.
What on earth is it worth for customers like myself to report what is perceived a spoof and
the bank couldnt care less to deal with it but merely pretend doing so and then other
customers are not notified and by this may fall for the trick?
As my wife made clear she cannot trust any emails from Westpac because of its failure and 20
cannot trust any internet banking for this either, not knowing if the website is fake or
genuine.
What is well overdue is for Westpac staff including directors so to say to place themselves
in the shoes of customers. See if they like to walk up a hill in rain or sun shine just to get
some cash from a branch, taking more than one hour to walk. That is one way! 25
What is it to get emails not knowing if it is genuine or not with a blatant disregard of any
proper communication.
Not being able to use interbank banking because of the lack of proper communication.

And after all this the bank seeks to demand to make it even more complicated by 30
demanding pin numbers to be used albeit below a certain amount the credit card can still be


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used without a pin number. As such, it seems to me nonsense to force people to use a pin n
umber instead of a signature.
Also, Masters (a hardware warehouse) demand a signature even for a single dollar or even
less than that of purchase. It doesnt allow any amount, not even a 5 cent item to be used on
a credit card without a signature. As such, it means any purchase from now on may be 5
prevented if no pin number is used.
Yet, despite all this the banks will provide special signature cards and so in that regard it is
not that the entire signature usage will be abolished but that the banks desire to have it their
way to the maximum ignoring the problems caused to its customers.
In my view all and any age pensioners should automatically classify to use or to continue 10
to use signature cards, this because many will suffer a deficiency in eye and hearing
problems. They will become less alert to overhead cameras in shops which can spy on the
pin n umber that is entered. And, if the banks fail to provide for this then I view the
Commonwealth of Australia should legislate that banks cannot force any age pensioner to
use a pin number instead of a signature. 15
Where the banks cannot self-regulate to understand and comprehend not to make
banking difficult for age pensioners then it leaves no alternative but banks to be
compelled by legislation to do so.
Irresponsible and ignorant conduct by the banks must be stopped, either by self-
regulation or to be forced by legislation. 20

It should be understood that age pensioners gradually have problems escalating and many
may not even realize of the loss of memory, sight and hearing and so alertness until it
might be at a critical time that they have been taken advantage off. The banks absurd policy
to enhance criminals to take advantage of the elderly must be condemned and deplored. 25

QUOTE
From:
WBGAPPBuildManagerAdministrator@westpac.com.au
<wbgappbuildmanageradministrator@westpac.com.au>

To: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>
Cc:

Date: Tuesday, July 15, 2014 10:02 pm
Subject: Re: SPOOF? Fwd: You have 1 new Payment Message.
Attachments:
Text version of this message. (1KB)


This is an automated message from spoof@westpac.com.au, please do not
reply.

Reporting scams is really important as it allows us to quickly investigate
the information you've sent and use it to minimise the chance of others
being affected.

In order for us to act promptly to every email we receive we do not respond
individually to any emails sent to this address.

Customers are advised never supply your banking details in response to an
email. Westpac emails do not include links to sign-in pages, or ask you for
your personal security information.

If you believe your security has been compromised or you notice a
transaction you did not make, contact us by phone immediately.

To view examples of recent email scams please visit
westpac.com.au/hoaxemails


Unless otherwise stated, this email is confidential. If received in error, please delete and inform the sender by
return email. Unauthorised use, copying or distribution is prohibited. Westpac Banking Corporation (ABN 33 007
457 141) is not responsible for viruses, or for delays, errors or interception in transmission. Unless stated or
apparent from its terms, any opinion is not the opinion of Westpac Banking Corporation. This message also includes


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information on Westpac Institutional Bank available at westpac.com.au/wibinfo
END QUOTE

QUOTE
Subject Dispute with Westpac Banking Corporation, case number 369877
Sender FOS Registration
Recipient
admin@inspector-rikati.com
Reply-To
registration@fos.org.au
Date Wed 18:00
Dear Mr Schorel-Hlavka
Applicant: Mr Gerrit Schorel-Hlavka 5
Financial Services Provider: Westpac Banking Corporation
Case Number: 369877
This e-mail confirms that we have registered the dispute you lodged against Westpac
Banking Corporation. Your FOS case number is 369877.
Registration process - what happens next? 10
Before we can review the dispute, Westpac Banking Corporation must be given an
opportunity to respond to the dispute through its internal dispute resolution (IDR) process.
So, we have sent details of the dispute to Westpac Banking Corporation's IDR area and asked
it to respond to you directly. If a representative of Westpac Banking Corporation contacts you
to try to resolve the dispute, we encourage you to participate in the discussion. 15
If you wish to contact Westpac Banking Corporation, you can find contact details for its IDR
area on our website at www.fos.org.au/members.
Timeframes for responding
Westpac Banking Corporation must respond to the dispute within 45 days of the date that
you first made a complaint about this matter. If contacting us was the first time you made a 20
complaint, Westpac Banking Corporation has 45 days from today's date to respond: that is,
until 13 Sep 2014. If you previously made a complaint to Westpac Banking Corporation,
Westpac Banking Corporation must respond within 45 days of the date that you first
complained to them.
A different timeframe may apply if the dispute concerns one of the following: 25
difficulty meeting repayments on a credit facility such as a loan or credit card
a request to postpone enforcement proceedings on a credit facility, or
an issue about a default notice.
For information about our approach to these types of disputes and the different timeframes
that apply, see www.fos.org.au/consumerinfo or phone us on 1300 78 08 08. 30
Debt collection activity
If your dispute is about a debt, Westpac Banking Corporation should suspend any collection
or recovery action in relation to the debt now that the dispute has been registered with us. If
you receive any letters of demand or debt collection phone calls from Westpac Banking
Corporation, please report this to Westpac Banking Corporation's IDR area. If you keep 35
receiving them, you should contact us.
What you need to do
You will need to contact us again if:
you receive a final response in writing from Westpac Banking Corporation and
this does not resolve the dispute, or 40


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you do not receive a response within 45 days of the date that you first made a
complaint
If either of the above occurs, please send us the following information so that we can
progress the dispute:
a copy of any response received from Westpac Banking Corporation 5
an explanation of why the dispute remains unresolved, and
copies of any documents you have that support your claim.
If you have not previously completed one of our dispute forms (either online or by hand), we
will also need you to complete and return a dispute form before we can consider the dispute.
To download a dispute form, click here. If you would like a dispute form to be sent to you, 10
please phone us on 1300 78 08 08.
Jurisdiction - can we consider the dispute?
Please note that we have not yet assessed whether we have jurisdiction to consider your
dispute. Our Terms of Reference define the types of disputes we can consider, and are
available for you to read on our website at www.fos.org.au in the 'About Us' section. We will 15
assess whether the dispute falls within our Terms of Reference if the dispute is progressed.
You must let us know if your dispute remains unresolved
If we do not hear from you after 13 Sep 2014, we will assume that the dispute has been
resolved. If the dispute is not resolved by this date, please contact us.
Yours sincerely 20

Registration Team
Financial Ombudsman Service
IMPORTANT
The contents of this email (including any attachments) are
confidential and may contain privileged information. Any unauthorised
use of the contents is expressly prohibited. If you have received this
email in error, please notify us immediately by Telephone: 1300 78 08
08 (local call) or by email and then destroy the email and any
attachments or documents. Our privacy policy is available on our
website.
END QUOTE
. 25
Considering the above set out and also my complaint I urge Westpac to ensure that it has a
signature card available at about 12 noon on 1 August 2014 for me to collect this and notify
me beforehand that I can do so via my mobile, by way of text message.

If I do not receive a text message to collect the signature card and I am refused by any store 30
to use the credit card with using a signature then I view Westpac should pay damages to me
for the unreasonable conduct it has perpetrated against me and the harm inflicted upon my
person for the duration that such refusal and harm continues.

The fact that Westpac seems to me to have a habit of not properly communicating with 35
customers and so leave a customer not knowing what is going on, and emails as such never
are appropriately dealt with is a problem Westpac has to face is its own making.
Weeks have gone by and then lacking a proper response I attended to Rosanna branch on
Monday 28 July 2014 and Lisa (branch staff) then making known I should apply on 1
August 2014 for a signature card, this I view would be far too late. 40


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I cannot be held responsible for the banks ongoing failure to deal with matters
appropriately and not even bothering to advise a branch manager and other staff of the
signature card being still an option.

This correspondence is not intended and neither must be perceived to contain legal 5
advice nor to refer to all issues/details.

MAY JUSTICE ALWAYS PREVAIL
(Our name is our motto!)
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit) 10

END QUOTE 31-7-2014

QUOTE 4-8-2014 CORRESPONDENCE
WI THOUT PREJ UDI CE 15
Westpac C/o Robyn McIntosh 4-8-2014
ramcintosh@westpac.com.au

Cc: Financial Ombudsman Service info@fos.org.au
20
Ref; 20140804-G. H. Schorel-Hlavka O.W.B. to Westpac c/o Robyn McIntosh Case Number: 369877
Robyn,
I have discussed matters with my wife in regard of a medical certificate from her
specialist and she reminded me on it that last time she attended I had to pay about $175.00
for the attendance. As the bank insist for medical certificates then I view the bank should 25
pay cost and other out of pocked expenses to travel to and from the specialist. This, as after
all my wife hasnt asked for any change in the system.
.
On Friday 1 August 2014 I received a correspondence from Westpac with a new Westpac
card (see image below) and on Friday 1 August 2014 I attended to Rosanna Branch to have 30
this activated. The woman at the desk made known to me the card would not work without
a pin number. Subsequently my wife and I went shopping as planned and on the 4
occasions I used the card I was twice asked to sign and twice it went through automatically.
Would the card have failed then I view a $500 a day compensation FOR EACH DAY
THAT THE CARD FAILS TO WORK WITH A SIGNATURE WOULD BE 35
APPROPRIATE.
I do not see why Telstra and other service providers should compensate customers for
failing to provide appropriate service and banks should not.

Obviously the question might be why should Westpac provide free services to pensioners, 40
after all it is not a government body? For this I did some digging into my paperwork (and
yes my wife has always been on my back about keeping so many records but now she is
aware the value of doing so!):



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What appears to me is that Westpac is wanting to get rid of signatures as to so to force 5
those who cannot use pin numbers to basically lose their free withdrawals rights in that
they need to attend (at their own cost and time) to the bank branch to withdraw cash
because they no longer can use a signature and neither are able to use a pin number (due to
health issues).
10
After all if there are 2 free withdrawals but now a pensioner due to health issues no longer
can use a card with a signature and unable to use a pin number then this pensioner has to
travel to and from the bank branch, in all kind of weather conditions and may take a
considerable time, likely hours in a day, and then is being slugged for withdrawing more
than twice over the counter. If a pensioner decides to then withdraw a much larger sum of 15
monies this places the pensioner more at risk of being robbed. Why indeed should a
pensioner have to place himself/herself at risk to withdraw large sum (for them) monies
where the really would prefer to continue to used their cards as was previously provided
for?
. 20
I will give you an example why sometimes it is not so straight forwards to travel.
When my car was broken down (a mere sparkplug having broken) I had to get to the nearest shopping centre
to get some supplies. I couldnt use Myki public transport card as the government had its wisdom (so it
pursued) to cancel all existing cards and one has to apply for a new one, regardless that I still have monies on
it. Therefore I was unable to use public transport to travel to the shopping centre where allegedly I could then 25
replace my old Myki card with as new one and keep the credit, by it being transferred. Having walked about
5 kilometres to a news agent I was advised they do not handle Myki cards, likewise when I attended to
another newsagent. Meaning I had to walk back home with shopping and done about 10 kilometres walking


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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
to and from trying to get as Myki replacement card. As I am a member of the RACV (more than 40 years
membership) I decided to call the RACV even so ordinary they do not provide sparkplugs. But the service
man was considerable late arriving and he made known he really appreciated that I had not at all complained
about that and so he was going to see if he had an old sparkplug to tie me over so I could drive the car to get
new sparkplugs. He found one and the problem was resolved. I did then purchase new sparkplugs and spares, 5
even so the one that had been in were less than 1 year old.

What I am indicating that even when one has a motor vehicle one can be caught out and so
forget about easy travelling by public transport and also consider that age pensioners may
not like having to go all the way to a bus stop that is about 1 kilometre away in windy and 10
raining or cold or even heat conditions and risk to fall ill merely as to try to get monies
from a bank branch where previously they had no need to do so. As such the banks are in
my view egoistic and uncompromising and disregard the age, the infirm and the disabled.
The very people who have worked through their life time to make Australia prosper now
are so to say trampled upon. 15


The above correspondence dated 29 July 2w3014 (I have blackened certain details as to
avoid misusage). The correspondence doesnt show you can activate the card at the bank
branch. Why not? And, the card was actually not a signature card but no more but a 20
replacement card Lisa had ordered in view of the existing card having some black over the
signature which made it difficult to see the signature, but as I used my driver license to
show my signature it never posed a problem to me. The replacement card however expires
at the same time as my original card and has the same code number. Clearly, as much as
Lisa had a replacement card issued she could have had a signature card (as is referred to 25
being the new system) without any additional cost.

One of the issues I have albeit it is not something the bank can be blamed for but it
certainly can cooperate to resolve this problem is that when one receive bills to pay which
has an option for Bill pay then generally the Billpay code number and the account numbers 30
are in very small; print. Meaning that my wife and I both have to use a magnifying glass to
be able to read the numbers. This can lead also to pensioners with poor eye sight reading
the numbers incorrect. Hence, I view the banks should advise its Billpay registered


20
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businesses that it should provide the relevant numbers in no lesser typing format then 12
Western Roman Times, and in bold.
As my wife makes clear she would be forced to use Postpay as she couldnt handle the
small writings on the bill, whereas Post offices scan the details and so a void errors. As
such the banks may do better to avoid loss of business in that regard. Ironically it ignores in 5
such manner how profits are being lost because of this even so it is a simple way to resolve
it and on the other hand ignores the plight of the age, the disabled, etc. (My wife is due to
have 2 eye operations in this year as to underline she has eye sight problems- eye problems
cause her to retire from employment about 25 years ago! As such not just a sudden
issue!) 10

I would recommend that each and every member of the banks board of directors for a
week spend their time in a wheelchair and be required to go shopping and then see how
they deal with using a card and a pin number and trying to avoid overhead cameras to see
the pin they are using. And, also let them spend a week doing shopping while they have 15
earplugs in their ears and have glasses which makes sight difficult and then see how they
are going to go with using a card and pin number for shopping. Then those egoistic
insensitive persons may just discover the hell they are putting pensioners and the disabled
through with their changes.
In my view the banks placing the requirement for medical certificates then should be the 20
one who pays for the cost, travel and other out of pocket expenses, after all it takes no more
but common sense that the elderly slowly are in general losing eye sight, hearing and
alertness, and if the bank ignores this natural occurrence then it should pay for it and failing
to do so I view $500 a day compensation for every pensioner should be appropriate to
make sure that the banks get the message you smarten up or suffer the financial 25
consequences.

Basically, the bank is moving the goal post during the game as it may suit itself, and
that I view is not what can be considered fair play towards the aged, infirm and the
disabled. 30

For the record I have already files complaints with the federal government that Australia
Post deliveries result to mail being dumped in the driveway and even in the street, this even
so I have mail facilities second to none, since a woman took over the round some months
ago. This includes Westpac correspondence, and enables IDENTITY THEFT. In my 35
view Westpac should engage with Australia Post about these kind of problems! Also a
25 July 2014 letter (Re 1 August 2014 pin number issue) arrived on 4-8-2014 which seems
to be extra ordinary long for ordinary mail

This correspondence is not intended and neither must be perceived to contain legal 40
advice nor to refer to all issues/details.

MAY JUSTICE ALWAYS PREVAIL
(Our name is our motto!)
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit) 45

END QUOTE 4-8-2014

QUOTE 5-8-2014
WI THOUT PREJ UDI CE 50
Financial Ombudsman Service 5-8-2014
info@fos.org.au


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Cc: Westpac C/o ramcintosh@westpac.com.au

Ref; 20140730-G. H. Schorel-Hlavka O.W.B. to Financial Ombudsman Service-Re signature card-etc
COMPLAINT Case Number 369877 Supplement 5

Sir,
I have always acknowledged that I use my self-professed crummy English as English is not
my native language and neither did I have any formal education in the English language, but this
also often results that I am alert to the usage of English words which others may never be as 10
such. It means that because of my c rummy English I have often realised that what is stated
may be false, deceptive, misleading, etc.
DUE WHAT I CONSIDER ELABORATE FRUAUDLENT/DECEDPTIVE CONDUCT
BY WESTPAC I HAVE NO CHOICE BUT TO QUOTE NUMEROUS MATTERS AS TO
EXPOSE ITS ROT (AND SO OF OTHER BANKS ALSO). 15
.
As a CONSTITUTIONALIST I seek to first of all consider what is constitutionally appropriate
and applicable in matters, hence I will quote the Commonwealth of Australia Constitution Act
1900 (UK).
20
Commonwealth of Australia Constitution Act 1900 (UK) Subsection51(xiii)
QUOTE
(xiii) banking, other than State banking; also State banking
extending beyond the limits of the State concerned, the
incorporation of banks, and the issue of paper money; 25
END QUOTE

There therefore ought to be a shred of a doubt that the Commonwealth can legislate as to banking
other than State banking. I understand Westpac is not a State banking and therefore falls within
the legislative authority of the Commonwealth of Australia. 30
.
Both on Westpac website as well as in its correspondence to me Westpac made certain
statements, and also it proves that I quote a 12 April 2014 email of my response regarding the pin
number, and this is a copy I received having forwarded a copy to myself at the same time I
forwarded it to Westpac. 35
The 25 July 2014 correspondence I received (on 4 August 2014) via Australia Post from Westpac
(copy reproduced below) states also:
QUOTE 25-8-2014 correspondence from Westpac (Bolding in red and underlining added)
From 1 August 2014 PIN will replace signature across Australia at point of sale.
This change is being made by the PINwise Industry Security Initiative to improve 40
Australias card security standards for purchases.
As youll no longer be able to sign for purchases at point of sale in Australia, youll be
asked to enter your PIN. If you dont enter or cant remember your PIN, your transaction
may be declined.
END QUOTE 25-8-2014 correspondence from Westpac 45
This demands to question who is PINwise Industry Security Initiative and what legal
authority has it to have Westpac to reflect the mandate?
Hence, I have below researched who is PINwise Industry Security Initiative if it is in fact a
registered entity and also what is the English meaning of mandate.


22
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It is my view that the set out below will indicate that Westpac has gone about deceiving its
customers to refer to PINwise Industry Security Initiative a non-existing registered entity
and neither having any legal powers to demand or order Westpac to alter the conduct of signature
signing to PIN number system only. While there is a PINwise Industry Security registration
(not being PINwise Industry Security Initiative) this however seems to be connected to some 5
adverti8sing business and a woman called Penelope Currie. As such it seems to be no more but
an advertising gimmick banks have been using to con customers as to purport they are obligated
to act as such.
What appears to me is that the banking industry has colluded to try to undermine the provisions
of the Age Discrimination Act 2004 and the Disability Discrimination Act 1992 by 10
defrauding customers that the banking sector has a mandate from the PINwise Industry
Security Initiative to comply with its directions.
http://www.westpac.com.au/business-banking/merchant-services/manage/merchant-pin-pos/
QUOTE downloaded from Internet Westpac wedbsite5-8-2014 (Bolding in red and underlining added)
Westpac Banking Corporation 15
Online Banking - Business. Tab to sign in; Or press Enter and use arrow key to select
other online service option, then press Enter to sign in.
Terminal for PINwise Industry Security Initiative
PIN's the only way to pay from 1 August 2014
The PINwise Industry Security Initiative has announced that PIN will become the main 20
form of card payment authorisation in Australia from 1 August 2014.
The industry-wide move to expand PIN at the point of sale (POS) and phase-out the
signature as a form of verification on Australian chip credit and debit cards will take place
from 1 August. There will be no change to contactless transactions.
Westpac will remotely update EFTPOS terminal software to reflect the mandate. 25
Merchants will progressively receive software updates during the month of September to
effect the change from signature to PIN authorisation.
END QUOTE downloaded from Internet Westpac wedbsite5-8-2014
As my 12 April 2014 email to Westpac already indicated I objected to being forced to use a PIN
number 30
The following being a quotation therefore has the original typing errors left in it.

QUOTE response email 12 April 2014
From: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>

To: westpaccards@email5.westpac.com.au

Cc:
mayJUSTICEalwaysPREVAIL@schorel-hlavka.com
Date: Saturday, April 12, 2014 12:59 am
Subject: Re: Be PIN-ready for 1 August 2014
Attachments:
Text version of this message. (11KB)

As a customer with Westpac for some 40 years I view it should honour this and not
bully me into doing something that undermines my security. 35
The reason I declined to use a pin was so as to maintain my security and seeking to
avoid misuse of my account by third parties. A signature is hard to copy and when I
attend to a store I always insist that the person checks my signature against my card,
as well as my drivers licence, as to avoid misuse by others.


23
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Electronic gadges exist where one merely has to keep the card near a scanner and
then it organise payments. Meaning, my security is compromised not by my own
action but by the bank engaging in practices which I view undermines my rights of
security using the card.
Without a signature my card details can be copied buy those who have special 5
scanners and then I am left to sort out any illegally obtained purchased bvy others on
my account.
In my view, the bank has a "DUTY OF CARE" and fails to provide for this where it
makes it easier for fraudulent usage by others, even if they do not have access to my
card, merely by duplicating any transaction and so the pin details. 10
it has been often reported in the media how when a person uses a card then the
person at the cash register has the details transferred upon another device to allow
fraudulent purchases to eventuate. Hence, using a signature prevents this kind of
fraudulent usage.
If the bank engage therefore in practices adverse to my interest then it must accept 15
full and total liability for any fraudulent usage without any need on my part to prove
this. It is the bank who engage in a conduct to faciliate the likely fraudulent usage of a
card or its details.
It should be understood that in the end any monies the bank so to say loses on
fraudulent charges it does no more but claim it back in charges to its bank customers, 20
and as such fails to take itself responsibility for its own mismanagement as such to
faciliate misuse of card details.
When about 13 years ago I was robbed and became aware of this within minutes my
first action was then to cancel my cards and report the matter to ther police, etc. It
was more then 10 years later that I discovered the cards in the wallet between 2 stack 25
of bricks, having been dropped by the thief and unable to get to it due to the hight of
the stack of bricks. I duly notified the police at the time becoming aware having been
robbed, as well having finally located the wallet with the cards. As such I acted so to
say as a model citizen.
I expect Westpac to do no less but to act as a model citizen. 30
It is not good enough to argue that if fraudulent usage is eventuating then the bank
will compensate for this, because I shouldn't be my burdened in the first place, with
less security against my desire. Further, if a fraulent charge were to be made then it
would deny me the right to use the monies otherwise available, if I need this, and as
such I coulkd be prevented from having the benefits of the card for no other reason 35
but because Westpac desires to implement some system where it is assisting others to
engage in fraudlent conduct by this.
I trust you as a bank will show and display the same concern as to my security and
the banks security as I have shown and will ensure that I am not deprived of this
security. 40


Mr G. H. Schorel-Hlavka O.W.B.
.
MAY JUSTICE ALWAYS PREVAIL 45
107 Graham Road, Viewbank 3084
Victoria, Australia

Blog (constitutional issues) http://www.scribd.com/inspectorrikati
. 50
Website: http://www.schorel-hlavka.com/
The content of this email and any attachments are provided WITHOUT PREJ UDI CE, unless specifically
otherwise stated.

If you find any typing/grammatical errors then I know you read it, all you now need to do is to consider the content 55
appropriately!




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A FOOL IS A PERSON WHO DOESN'T ASK THE QUESTION BECAUSE OF BEING CONCERNED TO BE LABELLED A
FOOL.

-----Original Message-----
From: Westpac cards [mailto:westpaccards@email5.westpac.com.au] 5
Sent: Friday, April 11, 2014 03:32 PM
To: schorel-hlavka@schorel-hlavka.com
Subject: Be PIN-ready for 1 August 2014
END QUOTE response email 12 April 2014
10
I understand that in the case of MORI ATY v LONDON, CHATMAM & DOVER RY Queens
Bench 1870 L.R. 5 Q.B. 314;39 L.T.Q.B. 109;22 L.T. 163;34 J.P. 692;18 W.R. 625 in which the
plaintiff sued a railway company for personal injuries sustained and this plaintiff has gone about
suborning false evidence and it was held by the Court that even so the plaintiff would have had a
genuine and justify to case to sue normally, by the plaintiff conduct to suborn false evidence 15
this was seen by the Court that this conduct amounted to an admission that he had no case.
As such, where Westpac (and other banks) have gone about suborning false and misleading
claims as to seek to undermine customers rights and to undermine the Age Discrimination Act
2004 and the Disability Discrimination Act 1992 then I view this is a very serious issue. This
also as many customers now have so to say been swindled in having been forced on 20
false/fraudulent claims to use a PIN number. In my view banks should be forced to notify their
customers that they can revert back to signature cards without charge to them.
While Westpac has been claiming that there are no charges as to point of sale usage of a PIN, I
understand from media reports that there are hidden Tap & Go charges (Channel 9 TV News,
Melbourne). As such Westpac seems to be engaging in fraudulent conduct to deceive customers 25
and then cause them to incur charges in addition to what was previous applicable. Considering
that my email of objection was dated 12 April 2014 then I view the bank must take
responsibility.
While I have become aware since that the return address appears to be
westpaccards@email5.westpac.com.au which refers to edmail5.Westpac the problem is that whenever I 30
report spoofs (some quotations below) then Westpac never seems to bother to clarify this and as
such it is Westpac who is causing the problems.
What I view Westpac should do is to provide an automatic response with a report number and
then follow this up, so the relevant number can assist to trace a complaint. What however is
eventuating is that Westpac seems to disregard proper follow up and feedback and then it is up to 35
the customer to guess if the email is or is not valid. By this the bank must be deemed to have an
accessory to criminal conduct if in fact the email was for criminal purposes and Westpac failed to
advise the complainant and other customers and they customers then fall prey to such fraudulent
conduct.
Again I suspect that the banking industry may have set up this elabortate system to decieve 40
customers as to the mandate of the PINwise Industry Security Initiative so as to
undermine the legal provisions of the Age Discrimination Act 2004 and the Disability
Discrimination Act 1992.
As my wife indicated to me, she be faced to a likely $175 charge to see her eye specialist to
obtain a medical certificate and she views she should not have to be out of pocket for this. 45
I for one cannot see any improvement of security where banks are going on ignoring the basic
requirements of security, such as where I reported suspected emails. And where it leaves
customers unaware of such scam emails.


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The following is an email purportedly from the ANZ bank but as neither my wife or myself hold
any ANZ account it is clear that this is a scam.
QUOTE 1-8-2014 Email purportedly from ANZ
Your ANZ Online Banking is Temporarily Restricted
ANZ online Dear ANZ Valued Customer, We noticed suspicious activities on your account 5
from an unrecognized device. This may have been you via a mobile device or an
unrecognized P.C. For your security, we have te
To noreply.customers
Aug 1 at 11:57 AM

Dear ANZ Valued Customer,
We noticed suspicious activities on your account from an unrecognized device.
This may have been you via a mobile device or an unrecognized P.C. For your security,
we have temporarily restricted access to domestic and international transfers until you
verify your identity with us.

What do you do? To verify your identity and resume normal banking activities, please
visit: www.anz.com/verification/customer-protection

ANZ will periodically send you such notifications to ensure the safety of our account.
To view secure messages, please log on towww.anz.com and click on Secure Message
Center.

By accessing the Bank's online services, you confirm you are an authorised user and
have agreed to the application Conditions of Use (See Electronic Banking Conditions
of Use).
Things you need to know
This message is being sent to you by Australia and New Zealand Banking Group Limited (ANZ)
of 833 Collins Street Docklands, VIC, 3008, Australia.

ANZ will periodically send you an email or SMS for you to verify or provide Account Details,
Financial Details, or login details for ANZ Phone Banking, ANZ Internet Banking or ANZ Mobile
Banking for your security. For our full policy see anz.com/emailpolicy.

ANZ [anz@emailcommunications.anz.com] is not an actively monitored email address. Please
do not reply. For general enquiries you can complete the Online Enquiry Formavailable on


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anz.com or call 13 13 14.

Any advice does not take into account your personal needs and financial circumstances and you
should consider whether it's appropriate for you.
You are receiving this because the email address ********@hotmail.com was supplied to ANZ.
ANZ is legally obliged to send you emails notifying you of the changes to the Online Statement
Terms and Conditions. Please note you are not able to opt out of these emails.
Security & Privacy Statement
Australia and New Zealand Banking Group Limited (ANZ) 2014 ABN 11 005 357 522. ANZ's
colour blue is a trade mark of ANZ.


Connect with us

END QUOTE 1-8-2014 Email purportedly from ANZ
When I receive an email that I find suspicious then I generally reported this to the relevant bank
and with it the heading, as the heading can assist the relevant bank to trace the sender.
Headings of an email exposes who is allegedly the sender and also what is the return path.
I was subjected to as flood of more than 2,000 emails where someone had used my email address 5
in a fraudulent manner as a return address. So, rather than just to delete them I decide to track
back and to find a common denominator of emails. By this I was able to ascertain that email had
been sent from a domain name registered that day but not having been set up but and as such was
using an email that only the registered owner could have known that day. I notified (domain)
registrars and sometime later the scam emails stopped. In my view, if banks were to vigorously 10
do the same then a lot of customers would be protected from the scammers. After all the misuse
and abuse of banks logos should be of concern.
However it appears to med a lack by the banks to rigorously pursue this kind of scams and let
customers bear the brunt of it all. After all, banks will recover any losses by increasing
customers fees and so why worry? 15
In my view, banks that fail to act appropriately should then have directors of the bank
made legally liable for criminal charges to avoid and abet with criminals, as their failure to
act responsible and to warn customers is aiding and abetting crimes upon banks customers.
Where the bank engages in conduct to make it easier for criminals to scam/defraud then I
view again the bank directors should be held legally liable. After all when they face 20
personally to be imprisoned and have their possessions confiscated then they more than
likely will be more alert to act and to ensure appropriate follow up is pursued.

I will now quote some material which underlines my writings as well as my search as to the lack
of registration of PINwise Industry Security Initiative and where a so called private 25


27
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organisation by Penelope Currie appears to be behind the PINWise issue and not at all some
Government requirement as I was made to understand when attending to Westpac branch on 28
July 2014 that the Westpac was compelled to comply to have this PIN applied to all cards.
Again, I view an elaborate swindle upon customers and seemingly to circumvent legal
requirements that are applicable within the provisions of the Age Discrimination Act 2004 and 5
the Disability Discrimination Act 1992. And in my view the Ombudsman cannot ignore this
and should ensure that immediate action is taken in the interim by the relevant banks as to seek to
avoid any customer, in particular the age and the disabled to be adversely affected by the
PINwise scheme.
Where applicable I have provided Internet website details where I downloaded details on 5-8- 10
2014, so it can be checked back that indeed the details are as those I located on the sites referred
to.
QUOTE 11 April 2014 email
From: Westpac cards <westpaccards@email5.westpac.com.au>

To: schorel-hlavka@schorel-hlavka.com
Cc:

Date: Friday, April 11, 2014 03:32 pm
Subject: Be PIN-ready for 1 August 2014

Dear Gerrit,

We recently sent you your PIN so you can start using it to make signature-free card
purchases.

Thats because from 1 August 2014, youll no longer be able to sign for purchases at
point of sale in Australia. This is part of the PINwise Industry Security Initiative thats
focussed on improving card security. For more details, visit westpac.com.au/pin
Plus, your daily chance to win $1,000.

Start using your PIN today and register to win a $1,000
cash prize. There will be one daily winner until 25 May.

To enter, just:
1.
spend $100 or more at participating
Woolworths Group stores

2.
pay by using your card and PIN

3.
keep your receipt so you can register
your purchase online at pinwise.com.au




So why not start using your PIN today? For further details,
visit pinwise.com.au

Kind regards,

Stephen Benton
Head of Consumer Finance
END QUOTE 11 April 2014 email 15

The following being a quotation therefore has the original typing errors left in it.



28
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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
QUOTE response email 12 April 2014
From: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>

To: westpaccards@email5.westpac.com.au

Cc:
mayJUSTICEalwaysPREVAIL@schorel-hlavka.com
Date: Saturday, April 12, 2014 12:59 am
Subject: Re: Be PIN-ready for 1 August 2014
Attachments:
Text version of this message. (11KB)

As a customer with Westpac for some 40 years I view it should honour this and not
bully me into doing something that undermines my security.
The reason I declined to use a pin was so as to maintain my security and seeking to
avoid misuse of my account by third parties. A signature is hard to copy and when I 5
attend to a store I always insist that the person checks my signature against my card,
as well as my drivers licence, as to avoid misuse by others.
Electronic gadges exist where one merely has to keep the card near a scanner and
then it organise payments. Meaning, my security is compromised not by my own
action but by the bank engaging in practices which I view undermines my rights of 10
security using the card.
Without a signature my card details can be copied buy those who have special
scanners and then I am left to sort out any illegally obtained purchased bvy others on
my account.
In my view, the bank has a "DUTY OF CARE" and fails to provide for this where it 15
makes it easier for fraudulent usage by others, even if they do not have access to my
card, merely by duplicating any transaction and so the pin details.
it has been often reported in the media how when a person uses a card then the
person at the cash register has the details transferred upon another device to allow
fraudulent purchases to eventuate. Hence, using a signature prevents this kind of 20
fraudulent usage.
If the bank engage therefore in practices adverse to my interest then it must accept
full and total liability for any fraudulent usage without any need on my part to prove
this. It is the bank who engage in a conduct to faciliate the likely fraudulent usage of a
card or its details. 25
It should be understood that in the end any monies the bank so to say loses on
fraudulent charges it does no more but claim it back in charges to its bank customers,
and as such fails to take itself responsibility for its own mismanagement as such to
faciliate misuse of card details.
When about 13 years ago I was robbed and became aware of this within minutes my 30
first action was then to cancel my cards and report the matter to ther police, etc. It
was more then 10 years later that I discovered the cards in the wallet between 2 stack
of bricks, having been dropped by the thief and unable to get to it due to the hight of
the stack of bricks. I duly notified the police at the time becoming aware having been
robbed, as well having finally located the wallet with the cards. As such I acted so to 35
say as a model citizen.
I expect Westpac to do no less but to act as a model citizen.
It is not good enough to argue that if fraudulent usage is eventuating then the bank
will compensate for this, because I shouldn't be my burdened in the first place, with
less security against my desire. Further, if a fraulent charge were to be made then it 40
would deny me the right to use the monies otherwise available, if I need this, and as
such I coulkd be prevented from having the benefits of the card for no other reason
but because Westpac desires to implement some system where it is assisting others to
engage in fraudlent conduct by this.
I trust you as a bank will show and display the same concern as to my security and 45
the banks security as I have shown and will ensure that I am not deprived of this
security.


Mr G. H. Schorel-Hlavka O.W.B. 50
.


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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
MAY JUSTICE ALWAYS PREVAIL
107 Graham Road, Viewbank 3084
Victoria, Australia

Blog (constitutional issues) http://www.scribd.com/inspectorrikati 5
.
Website: http://www.schorel-hlavka.com/

The content of this email and any attachments are provided WITHOUT PREJ UDI CE, unless specifically
otherwise stated. 10


If you find any typing/grammatical errors then I know you read it, all you now need to do is to consider the content
appropriately!
15

A FOOL IS A PERSON WHO DOESN'T ASK THE QUESTION BECAUSE OF BEING CONCERNED TO BE LABELLED A
FOOL.

-----Original Message----- 20
From: Westpac cards [mailto:westpaccards@email5.westpac.com.au]
Sent: Friday, April 11, 2014 03:32 PM
To: schorel-hlavka@schorel-hlavka.com
Subject: Be PIN-ready for 1 August 2014
END QUOTE response email 12 April 2014 25

QUOTE email 19 May 2014 (for security picture not included)
From: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>

To: spoof@westpac.com.au
Cc:
mayJUSTICEalwaysPREVAIL@schorel-hlavka.com
Date: Monday, May 19, 2014 11:16 pm
Subject: spoof?
Attachments:
Text version of this message. (913B)


When I logged out of Westpac Banking I had automatically the attached screen,
requesting me to use my pin number. I consider that this is a dangerous and 30
irresponsible practice if this is done by Westpac. If not then customers may be tricked
to give out their pin number. Whatever it is I view it must be stopped.

Mr G. H. Schorel-Hlavka O.W.B.
. 35
MAY JUSTICE ALWAYS PREVAIL
107 Graham Road, Viewbank 3084
Victoria, Australia

Blog (constitutional issues) http://www.scribd.com/inspectorrikati 40
.
Website: http://www.schorel-hlavka.com/

The content of this email and any attachments are provided WI THOUT PREJ UDI CE,
unless specifically otherwise stated. 45



30
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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati

If you find any typing/grammatical errors then I know you read it, all you now need to do
is to consider the content appropriately!

5
A FOOL IS A PERSON WHO DOESN'T ASK THE QUESTION BECAUSE OF BEING
CONCERNED TO BE LABELLED A FOOL.
END QUOTE email 19 May 2014

QUOTE 19 May 2014 response 10
From:
WBGAPPBuildManagerAdministrator@westpac.com.au
<wbgappbuildmanageradministrator@westpac.com.au>

To: G. H. Schorel-Hlavka O.W.B. <schorel-hlavka@schorel-hlavka.com>
Cc:

Date: Monday, May 19, 2014 11:21 pm
Subject: Re: spoof?
Attachments:
Text version of this message. (1KB)

This is an automated message from spoof@westpac.com.au, please do not
reply.

Reporting scams is really important as it allows us to quickly investigate
the information you've sent and use it to minimise the chance of others 15
being affected.

In order for us to act promptly to every email we receive we do not respond
individually to any emails sent to this address.
20
Customers are advised never supply your banking details in response to an
email. Westpac emails do not include links to sign-in pages, or ask you for
your personal security information.

If you believe your security has been compromised or you notice a 25
transaction you did not make, contact us by phone immediately.

To view examples of recent email scams please visit
westpac.com.au/hoaxemails
30

Unless otherwise stated, this email is confidential. If received in error, please delete and inform the sender by
return email. Unauthorised use, copying or distribution is prohibited. Westpac Banking Corporation (ABN 33 007
457 141) is not responsible for viruses, or for delays, errors or interception in transmission. Unless stated or
apparent from its terms, any opinion is not the opinion of Westpac Banking Corporation. This message also includes 35
information on Westpac Institutional Bank available at westpac.com.au/wibinfo
END QUOTE 19 May 2014 response

QUOTE 2 April 2014 response
From: Westpac Online <online@westpac.com.au>

To: schorel-hlavka@schorel-hlavka.com
Cc:

Date: Wednesday, April 02, 2014 02:05 am
Subject: RE: Feedback - Complaint
Attachments:
Text version of this message. (1KB)

This is an automated message. 40

Thank you for raising your concern with us.

We'll be in contact with you as soon as possible. However, if you need to contact Westpac urgently, simply:
* Call us on 132 032 (8am-8pm, 7 days) 45
* Call + 61 2 9293 9270 (24 hours) if you're overseas, or
* Visit your local Westpac branch (westpac.com.au/locateus).

We look forward to assisting you further.
50
Yours sincerely

Westpac Banking Corporation


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A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Email: online@westpac.com.au

Security advice
Before accessing emails or the internet, always update your virus, firewall and Operating System software. For
more information on security, visit the Westpac homepage. 5

Things you should know
Information in this email does not take into account your objectives, financial situation or needs. Before acting on
the information, consider whether it is right for you.
10
You should read all relevant Terms and Conditions or other disclosure documents before making a decision.
(westpac.com.au/disclosure-documents).

Full details of up to date fees and charges, interest rates, terms and conditions, product information and any special
offers are available from any Westpac branch in Australia or visit: westpac.com.au 15

Your Privacy
Any personal information you provided in your application has been used by us to either process the application or
contact you on the progress of your account opening. You can access the personal information we have collected, if
retained, by calling 132 032 (8am to 8pm, 7 days). 20

Unless otherwise stated, this email is confidential. If received in error, please delete and inform the sender by
return email. Unauthorised use, copying or distribution is prohibited. Westpac Banking Corporation (ABN 33 007
457 141) is not responsible for viruses, or for delays, errors or interception in transmission. Unless stated or
apparent from its terms, any opinion is not the opinion of Westpac Banking Corporation. This message also includes 25
information on Westpac Institutional Bank available at westpac.com.au/wibinfo
END QUOTE 2 April 2014 response

As this complaint includes the way Westpac is manipulating the use of the English language I
consider it appropriate to quote part of an attachment of an email I received way back on 9 30
November 2010, as it goes into some details about Westpac alleged deceptive conduct in using
not plain English but wording to perhaps confuse and deceive customers.
The Framers of the Constitution made clear:
.
Hansard 19-4-1897 Constitution Convention Debates 35
QUOTE
Mr. CARRUTHERS:
This is a Constitution which the unlettered people of the community ought to be able to understand.
END QUOTE
. 40
In my view as a CONSTITUTIONALIST this means that all legislation as well as those
operating within the provisions of legislation, including banks, are obligated to use English that
an unlettered person can understand. Failing this then the contact any bank enters into must be
deemed NULL AND VOID!
45
QUOTE email 9 November 2010
From: Kerry Hay <u.man@bigpond.com>

To: mayjusticealwaysprevail@schorel-hlavka.com
Cc:

Date: Tuesday, November 09, 2010 11:09 am
Subject: Emailing: Unconscionable behaviour by Westpac Banking Corporation.
Attachments:
Text version of this message. (533B)
Unconscionable behaviour by Westpac Banking Corporation..doc (133KB)
PLEASE DON'T DO BUSINESS WITH WESTPAC
BANK, THEY RUINED MY LIFE. WHAT YOU READ
HERE IS ONLY A SMALL SAMPLE OF WHAT THEY
DID TO ME. "WHY NOT BANK WITH A CREDIT 50
UNION, SUCH AS CUA LTD:
The message is ready to be sent with the following file or link attachments:
Unconscionable behaviour by Westpac Banking Corporation.


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edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati

Note: To protect against computer viruses, e-mail programs may prevent sending or
receiving certain types of file attachments. Check your e-mail security settings to
determine how attachments are handled.
END QUOTE email 9 November 2010 5


QUOTE email 9 November 2010-Part only of attachment
Read how We,suck Bank can ruin your life & business prospects!
Westpac Banks new motto phrase, Your future is our future, bullshit. 10
Westpac Bank is now insolvent; unable to pay debts owed to Mr. K. P.Hay. Now they say for 191 years
weve helped millions. Bank with confidence No-way: In The Public Interest based on Fair
Comment, Without Prejudice or Malice
Westpac Banking Corporation K. P. Hay.
The Office of Chief Executive 4 Bailey Street, 15
David Morgan WOODY POINT Q 4019
341 George Street, Tel (07) 32842892
SYDNEY N.S.W. 2000 30
th
June 2001
Your ref. No. 464- 0171687-50:
20
ATTENTION: - CHIEF EXECUTIVE OFFICER DAVID MORGAN

Dr David Morgan,
1. This document is intended to inform you about the perspective of many ordinary banking dissenting
disappointed financially ruined victims that are suffering, are going to suffer and have been suffering, due to 25
the antecedent contrived effects of oral tradition financial usury.
This usury traducing tradition is still being used by current banking system money accruing, asset depriving
word-riddle activists of civilisation who use circumlocution lingo as ruling world word manipulators who
totally own all civilisation and all its word weapons of financial and physical destruction.
2. They routinely metaphysically transcend ordinary peoples reasoning by inflicting them with inscrutable 30
enigma riddle talk that ordinary people cannot construe or figure out because it is a type of cryptic fraudlaw
in fraudwar. K.P.Hay was bank swindled by the cunning use of a Latinised lingo that is used by bank
officials and legal minded manipulating professional people to impose legalised philosophic swindling
purposes described in the vernacular as bank benighting blighting by bafflegab
3. This banking philosophy by unarguable evidence herein amply revealed is used to perpertrate a never 35
ending perpetual money, estate, finance, asset depriving legal profession authored, supervised and protected
depriving system run by the big firm.
4. This system of original oral tradition conceived by an exclusive inherent jurisdiction clique that controls the
abstract extortion fiscal racket depriving confraternity, that purloin ordinary people by unfair means of what
they have worked to acquire by fair means. 40
Elect key position professional people not elected by ordinary people are in a confraternity effecting the
wrongful appropriating usurping of property possessions, assets and finances of ordinary people, thereby
habitually harming and ruining their lives, due to the legal loophole fine print word snares they insert into
their phoney booby trapped contracts.
5. The subliminal unalerted ordinary people become victims falsely called clients, they are inveigled, allured, 45
seduced and led on by fraudulent flattery until sufficiently fooled by officials they trust, into signing legal
document laced with word snags and snares which they comprehend only in their plain natural meanings not
in supernatural meanings.
Ordinary people sign professionally written documents, not suspecting any skulduggery or that professional
people use Judicial cognisance which is the comprehension of secret meaning metalanguage semantic word 50
meanings that have an entirely different meaning to the meanings that ordinary people think they mean.
Hence they are word tricked and regularly lead into financial ruin and bankruptcy, in contradiction of the
Australian Constitutions specified word meaning rules.
6. Judicial cognisance simply means that professional people are as a confraternity, legally allowed to make in
court and out of court summary judgements and on the spot decisions and adjudications without requiring to 55
demonstrate any proof to substantiate such judgements or decisions to the legally disenfranchised members of
the legally unqualified electorate, all classified officially as insignificant masses. This allows the
implementation of Latin adages to abuse ordinary people such as:-capiat qu I capre posit which means:-
let him take who can?
7. Thus bank blighting is condoned by the let-him-take-who-can traditional authors of law called 60
onomatopoeia, symbolegrapher, nomoligist, etymologist, itaconic, anagramists all law rule draughters, as


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A 1
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PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
verified in Osborn`s Concise Law Dictionary [seventh edition by Roger Bird]. On page 23 we read: -
alienato rei prefertur juri accrescendi . This means :-The law favours the alienation rather than the
accumulation of property.
This reveals their antecedent ichnograph:- The by law established flourishing ground plan of the licit Bank
comploter professional confraternity eternally imposing fiscal appropriations on the defenceless and unwary 5
unprotected.
8. These master authors have demonstrated a ritualistic tendency to perpertrate original inherent oral
tradition traducing philosophic tacit tactics, unknown to the ordinary kind of mankind kind of man, the
lowly subliminal subspeci, benighted in eternal darkness as a type of suitable-to-be-deprived dim light
worker. 10
9. This depicts that fellow man who is suitable for the principle purpose of exploitation by the higher homo
known as the homo sapiens all intellectually similar to each other and mentally above the homonoid-
anthropomorph that has been shaped by the homo superior to resemble higher homo but to remain an
exploited inferior.
10. This hominoid with no ID and shaped by higher man to be an after the law type of lower 15
homo without professionally recognised legal capacity. He is deemed to remain void of any sui-generis or
sui-juris unique particular-peculiar rights that are reserved only for those with higher homo before the Law
interests. Consequently the higher homo continues unchallenged by law to practice picarooning on the
prog for pelf and plunder by inscrutable abysmal techniques that allow them to usurp all the worlds wealth by
word wizardry. 20
11. This is achieved by swamping and smothering the victims with overwhelming vast quantities of
perplexing inscrutable disguised, not comprehensible to ordinary people. The fine print is word-blinding that
ordinary people are not trained to recognise or suspect the existence of legal profession draughted, approved,
literature. Cacology words are falsely written into contracts worded to entrap with camouflaged underhanded
writ. Bank loan contract documents etc. are drawn up to snare whilst they seemingly appear to be helpful 25
persuasions, when they are really mesmerising methods. Victims are persuaded into signing bank loan
contracts etc. whilst in a narcotised hypnotic trance.
12. Once in this narcotised bank document signing trance state of mind, the victim becomes
subliminally unknowingly unconsciously willing to sign a seemingly harmless bank prepared agreement, not
suspecting that it contains hidden extortion racket dangers, which include no consideration or 30
accountability. This situation incites bank document baffling, boffins to interpret their signed document to
be an official signal, confirming that artistic-poetic licence be inflicted without compunction or any self
reproach for wrong doing. This encourages them to implement illegal but licit bank swindling penalties on
defenceless bank client victims such as K.P.Hay. He could not have knowingly agreed to sign any such
document s unless he had been word hood-winked. 35
13. Then when the predestined bank victim discovers that he has been bank duped he learns that it is
too costly to contest bank law and that it requires far too many volumes of verbosity and lengthy oral parable
allegory explanation multiplied and compounded by ritualistic hindering hazard complications that are put in
place to hamper any one attempting to contest and counter bank depriving activism philosophy, elected
wrongdoers are protected by legal profession expensive gammon hoodwinking time delaying solicitor hour 40
meter money time tactics. The antecedent writ authors appear to rely on their cunning Latin adage to
exonerate themselves for their smart chat crooking and cheating of the public in general.
14. This special speci adage is mysteriously metaphysical because it officially makes Agreements
made by peculiar particular professional persons to be legally regarded as totally Not Accountable and
Not Binding when used against the interests of professional peoples universal purpose, but totally 45
binding in regard to the disadvantage of ordinary people.
15. The adage is:- Non refert an quis assensum suum praefert verbis , an rebus ipsis et factis. This
in professional meaning, means :-It matters not whether a professional man gives his assent by
his words or by his acts or deeds. This means that he is unaccountable and exempt from suit or prosecution
in favour of ordinary people. Accordingly Westpac Bank officials are legally allowed to present financial 50
property agreements that deny any financial consideration to victims such as K.P.Hay, who is caused to freely
grant the Westpac Bank all his hard earned wages and end up on the panhandle poverty line.
16. Westpac Bank officers and their posing collusionist collaborators implemented a Westpac Bank
malversation abuse and fiscal office plot to occasion financial ruin to victim K.P. Hay who was encircled by
the multiple coils of the Leviathan bank legal headed swallow-the-lot serpent. These coils squeezed bank 55
victim K.P.Hay`s investment properties out of his possession simultaneously squeezing out and digesting all
his double shift wage slave earnings, until he found himself permanently entangled in the inescapable coils
currently continuing to squeeze and crush his total financial existence determined to finally swallow and
devour his last remaining properties and capital gains.
17. Three Westpac Bank impostors bedazzled and mesmerised K.P.Hay into subliminally signing their 60
fine print snaring investment property bank loans and insurance documents using intellectual ambushing


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A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
brilliance called coruscation which he signed after they had persuaded him that he was doing the right thing.
He paid them to confirm that they had drawn up an appropriate suitable beneficial contract. They assured
him that it was designed to protect him and his interests. K.P.Hay accepted their Judas betrayer assurances
not realising their intent.
18. SUCCINCTLY AND AT LENGTH. This is the abreaction of disgruntled property 5
investment victim K. P. Hay depicting the causes of his fiscal decline due to the supposititious put in
place to deceive Westpac Bank slight of hand and misused disembodiment of every mans soul for the
ultimate percunious purloining peculating philosophical complot to keep his subordinate impoverished
fellow man forever in fiscal impoverished impecunious cringing conging servile serfdom, to exist under
bank boodle law as a boodle baffled member of mankind 10

19. In Simple Simon adage, a business deal was said to consist of three vital points that govern seal and
conclude any transaction:

A Someone must pay something. 15
B Someone must receive something.
C An agreement must exist.

his agreement must simultaneously be written in so called natural words that have no hidden inscrutable
semantic phenomena metaphoric deceptive meanings that are not comprehended by ordinary people and not 20
draughted by the legal profession so as to deliberately provide loophole protection to safeguard only the
professional confraternity.
20. In the pending matter of K.P.Hay -v- Westpac Bank coram pupulo it stands out extant and
glaringly that the incontestable premises and syllogisms formula of argument propositions allow only one
final conclusion, which is that K.P.Hay was not granted any consideration by Westpac Bank in their property 25
investment contract riddled with unlawful so-called switching fees and penalties that have ensured that
anyone reviewing this case will see that:-
END QUOTE email 9 November 2010-Part only of attachment

http://www.westpac.com.au/business-banking/merchant-services/manage/merchant-pin-pos/ 30
QUOTE downloaded from Internet Westpac wedbsite5-8-2014
Westpac Banking Corporation
Online Banking - Business. Tab to sign in; Or press Enter and use arrow key to select
other online service option, then press Enter to sign in.
Terminal for PINwise Industry Security Initiative 35
PIN's the only way to pay from 1 August 2014
The PINwise Industry Security Initiative has announced that PIN will become the main
form of card payment authorisation in Australia from 1 August 2014.
The industry-wide move to expand PIN at the point of sale (POS) and phase-out the
signature as a form of verification on Australian chip credit and debit cards will take place 40
from 1 August. There will be no change to contactless transactions.
Westpac will remotely update EFTPOS terminal software to reflect the mandate.
Merchants will progressively receive software updates during the month of September to
effect the change from signature to PIN authorisation.
Please note that Mail Order, Telephone Order ('MOTO') and eCommerce transactions are 45
not affected by the PINwise Industry Security Initiative. Hence, there is no change to the
way cardholders make payments over the phone or online.
If your terminal is privately owned, please contact your terminal vendor for a software
update schedule.


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INSPECTOR-RIKATI about the BLACK HOLE in the CONSTITUTION-DVD
A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Need help or want to find out more?
Industry initiative: pinwise.com.au/merchant
Take a look at our FAQs regarding this industry initiative
For further assistance, call us on 1800 029 749
For cardholder information, please visit westpac.com.au/pin 5

Things you should know
American Express

is a registered trademark of American Express. MasterCard

and the
MasterCard Brand Mark are registered trademarks of MasterCard International
Incorporated. 10
END QUOTE downloaded from Internet Westpac wedbsite5-8-2014

I will now quote some of my research rfegarding business searched:

http://www.abr.business.gov.au/SearchByName.aspx?SearchText=PINwise+Industry+Security+I 15
nitiative
QUOTE
Your search for PINwise Industry Security Initiative found 5 matches. Results are listed below
sorted by relevance.
20
Matching names
ABN Name Type Location
18 551 993 911
Active
P & I ALARMTECH SECURITY
Trading
Name
5251 SA
74 078 446 616
Active
PANWEST INDUSTRIES PTY LTD
Trading
Name
6288 WA
45 100 309 357
Active
SPECTRUM SECURITY & P I
Trading
Name
(Historic)
4064
QLD
82 772 826 048
Active
Penwise
Trading
Name
(Historic)
3444 VIC
75 997 719 298
Cancelled
PETE THE P.I (SECURITY)
Trading
Name
(Historic)
2258
NSW

END QUOTE

The following indicates the meaning of MANDATE
25
QUOTE
https://www.google.com.au/?gws_rd=ssl#q=mandate
QUOTE
1. mandate
noun 30
noun: mandate; plural noun: mandates
mandet/
1. 1.
an official order or commission to do something.
"a mandate to seek the release of political prisoners" 35
synonyms: instruction, directive, direction, decree, command, order, injunction, edict, charge,


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A 1
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PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
commission, bidding, warrant, ruling, ordinance, law, statute, fiat; More
ukase;
pronunciamento
"a mandate from the UN was necessary"
Law
a commission by which a party is entrusted to perform a service, especially without
payment and with indemnity against loss by that party.
a written authorization enabling someone to carry out transactions
on another's bank account. 5
historical
a commission from the League of Nations to a member state to administer a territory.
"the end of the British mandate in Palestine"
2. 2.
the authority to carry out a policy, regarded as given by the electorate to a party or 10
candidate that wins an election.
"he called an election to seek a mandate for his policies"
synonyms:
authority, approval, acceptance, ratification, endorsement; More
sanction, authorization
"he called an election to seek a mandate for his policies"
Canadian
a period during which a government is in power.
"the last mandate of Trudeau, from 1980 to 1984, was a remarkable chapter in 15
Canadian history"
verb
verb: mandate; 3rd person present: mandates; past tense: mandated; past participle:
mandated; gerund or present participle: mandating
mandet/ 20
3. 1.
give (someone) authority to act in a certain way.
"the rightful king was mandated and sanctioned by God"
require (something) to be done; make mandatory.
"the government began mandating better car safety" 25
4. 2.
historical
(of territory) be assigned to (another power) under a mandate of the League of Nations.
"mandated territories"
END QUOTE 30

http://en.wikipedia.org/wiki/Mandate
QUOTE
Mandate
From Wikipedia, the free encyclopedia 35
Jump to: navigation, search
Mandate can refer to:
Mandate (criminal law), an official or authoritative command; an order or injunction
Mandate (international law), an obligation handed down by an inter-governmental body
Mandate (politics), the power granted by an electorate 40


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PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Mandate (theology), to some Christians, an order from God
Mandate (trade union), a trade union in Ireland
HMS Mandate, various ships of Britain's navy
Mandate (typeface), a brash-brush typeface designed by R. Hunter Middleton
The formal notice of decision from an appeals court 5
A requirement for a Health maintenance organization to provide a particular product.
League of Nations mandates[edit]
League of Nations mandates, quasi-colonial territories established under Article 22 of the
Covenant of the League of Nations, 28 June 1919, which included:
o French Mandate of Lebanon 10
o British Mandate of Mesopotamia
o British Mandate of Palestine
o French Mandate of Syria
See also[edit]
Contract of mandate, a contract of bailment of goods without reward, to be carried from 15
place to place, or to have some act performed about them
Individual mandate, an often controversial government requirement for the purchase of
goods by individuals
Papal mandate, a response of the pope or a Sacred Congregation, in writing, to queries or
petitions of individuals 20
Mandate of Heaven, a traditional Chinese concept of legitimacy used to support the rule
of the kings of the Shang Dynasty and later the Emperors of China
Man date

This disambiguation page lists articles associated with the same title.
If an internal link led you here, you may wish to change the link to point directly to the intended article.
<img src="//en.wikipedia.org/wiki/Special:CentralAutoLogin/start?type=1x1" alt="" title=""
width="1" height="1" style="border: none; position: absolute;" /> 25
Retrieved from "http://en.wikipedia.org/w/index.php?title=Mandate&oldid=615975688"
Categories:
Disambiguation pages
Hidden categories:
All article disambiguation pages 30
All disambiguation pages

http://dictionary.reference.com/browse/mandate



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mandate
Show Spelled [man-deyt] Show IPA
noun
1.
a command or authorization to act in a particular way on a public issue given by the electorate to 5
its representative: The president had a clear mandate to end the war.
2.
a command from a superior court or official to a lower one.
3.
an authoritative order or command: a royal mandate. 10
4.
(in the League of Nations) a commission given to a nation to administer the government and
affairs of a former Turkish territory or German colony.
5.
a mandated territory or colony. 15
6.
Roman Catholic Church . an order issued by the pope, especially one commanding the
preferment of a certain person to a benefice.
7.
Roman and Civil Law. a contract by which one engages gratuitously to perform services for 20
another.
8.
(in modern civil law) any contract by which a person undertakes to perform services for another.
9.
Roman Law. an order or decree by the emperor, especially to governors of provinces. 25
Relevant Questions
What Is Mandate?
What Are The Mandated Code Requirements?
What Is Mandated Genetic Testing?
What Is A Mandate? 30
Why Are There Laws Mandating Seatbelts?
What Is The Churchs Missionary Mandate?
What Is Mandate?
Why Are There Laws Mandating Seatbelts?
What Is Mandated Genetic Testing? 35
What Are The Mandated Code Requirements?
verb (used with object), man dat ed, man dat ing.
10.
to authorize or decree (a particular action), as by the enactment of law.
11. 40
to order or require; make mandatory: to mandate sweeping changes in the election process.
12.
to consign (a territory, colony, etc.) to the charge of a particular nation under a mandate.

Origin: 45
154050; < Latin mandtum, noun use of neuter of mandtus, past participle of mandre to
commission, literally, to give into (someone's) hand. See manus, date
1


Related forms
un man dat ed, adjective 50



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Synonyms
3. fiat, decree, injunction, edict, ruling.
Dictionary.com Unabridged
Based on the Random House Dictionary, Random House, Inc. 2014.
Cite This Source 5
|
Link To mandate
Collins
World English Dictionary
mandate

n
1. an official or authoritative instruction or command
2. politics the support or commission given to a government and its policies or an elected
representative and his policies through an electoral victory
3. ( often capital ) Also called: mandated territory (formerly) any of the territories under the
trusteeship of the League of Nations administered by one of its member states
4. a. Roman law a contract by which one person commissions another to act for him
gratuitously and the other accepts the commission
b. contract law a contract of bailment under which the party entrusted with goods undertakes
to perform gratuitously some service in respect of such goods
c. Scots law a contract by which a person is engaged to act in the management of the affairs
of another

vb
5. international law to assign (territory) to a nation under a mandate
6. to delegate authority to
7. obsolete to give a command to

[C16: from Latin mandtum something commanded, from mandre to command, perhaps from
manus hand + dre to give]

'mandator

n
END QUOTE 10

http://www.oxforddictionaries.com/definition/english/mandate
QUOTE


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Definition of mandate in English:
mandate
Line breaks: man|date
noun
Pronunciation: /mandet 5

/
1An official order or commission to do something: a mandate to seek the release of political
prisoners
More example sentences 10
Even some local trade officials ignored the new mandates to recruit women.
Although my official mandate was to study Pakistani farmers, I was obliged to give equal
attention to foresters.
The Human Rights Commission has the mandate to receive and investigate allegations of
discrimination. 15
Get more examples
Synonyms
instruction, directive, direction, decree, command, order, injunction, edict, charge, commission,
bidding, warrant, ruling, ordinance, law, statute, fiat; in Tsarist Russiaukase; in Spanish-speaking
countriespronunciamento 20
View synonyms
1.1 Law A commission by which a party is entrusted to perform a service, especially without
payment and with indemnity against loss by that party.
More example sentences
In two of the four cases the solicitors received signed mandates from the purported 25
owners for the funds to be telegraphically transferred to a third party.
In carrying out its mandate, the Commission receives, analyses, and investigates
individual petitions alleging violations of human rights.
A Call Center for tourist information is in the works, and tourist police have a mandate to
provide service and protection for visitors. 30
Get more examples
1.2A written authorization enabling someone to carry out transactions on anothers bank account.
More example sentences
A forged cheque is not a valid mandate, and the bank cannot debit the customer's account.
If that were right one would expect to see wives being independently advised before 35
signing a typical mandate for a joint account.
He showed his value pretty quickly, pointing out that banks must have a legal mandate to
debit someone's account.
Get more examples
1.3 historical A commission from the League of Nations to a member state to administer a 40
territory: the end of the British mandate in Palestine
More example sentences


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For the next 25 years, Syria was governed by French colonial administrators under a
mandate from the League of Nations.
Another category of dependent imperial territory was formed by League of Nations
mandates.
After the war, Japan continued to rule the islands under a mandate from the League of 5
Nations.
Get more examples
2The authority to carry out a policy, regarded as given by the electorate to a party or candidate
that wins an election: he called an election to seek a mandate for his policies
More example sentences 10
Newly elected ministers invariably choose to regard an election victory as conferring a
mandate on their policies.
Perhaps politicians should seek a new mandate from the electorate if they are unable to
fulfil their promises.
The ones who win and form the next government would thus have the mandate to pursue 15
their policies and programmes.
Get more examples
Synonyms
authority, approval, acceptance, ratification, endorsement; sanction, authorization
View synonyms 20
2.1Canadian A period during which a government is in power: the last mandate of Trudeau,
from 1980 to 1984, was a remarkable chapter in Canadian history
More example sentences
Third parties may not always directly influence an election, but they do set the tone for
what is discussed and start the next mandate off on a particular foot. 25
In August 2002, he announced that he would not seek a fourth mandate, but would serve
until 2004.
verb
Pronunciation: /mandet
/ 30
[with object] Back to top
1Give (someone) authority to act in a certain way: the rightful king was mandated and
sanctioned by God
More example sentences
Having made this judgment, the Security Council may then mandate the US and its allies 35
to use force in order to remove him.
With the money, it will acquire and restructure more mills, as mandated by the State
Council.
Well, the problem here is, the ballot initiatives mandate something like 70 percent of the
spending in the budget. 40
Get more examples


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1.1Require (something) to be done; make mandatory: the government began mandating better
car safety
More example sentences
Current Army requirements mandate change in order to move into the future.
For such patients, it may be unrealistic to mandate abstinence as a requirement for 5
treatment.
The federal government has begun mandating it, and they insist that their architects earn
at least a bronze rating.
Get more examples
2 (be mandated to) historical (Of territory) be assigned to (another power) under a mandate of 10
the League of Nations: (as adjective mandated) mandated territories
Origin
early 16th century: from Latin mandatum 'something commanded', neuter past participle of
mandare, from manus 'hand' + dare 'give'. Sense 2 of the noun has been influenced by French
mandat. 15
Definition of mandate in:
o The US English dictionary
o The English Synonyms
o The US English Synonyms
END QUOTE 20

http://www.merriam-webster.com/dictionary/mandate
END QUOTE
1
mandate

noun \man-dt\
25
: an official order to do something
: the power to act that voters give to their elected leaders


Full Definition of MANDATE

30
1
: an authoritative command; especially : a formal order from a
superior court
or official to an inferior
one
2
: an authorization to act given to a representative <accepted the mandate of the people>
35
3
a : an order or
commission
granted by the League of Nations to a member nation for the establishment
of a responsible government over a former German colony or other conquered territory

b : a
mandated
territory

See mandate defined for English-language learners
40
See mandate defined for kids
Examples of MANDATE

1. Royal mandates must be obeyed.
2. They carried out the governor's mandate to build more roads.


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3. He won the election so convincingly that he believed he had been given a mandate for change.
4. Sports fans have considerable forbearance. Year after year they endure escalating ticket prices,
the abomination known as seat licensing and the implied mandate that taxpayers should foot the
bill for the new stadium or arena that will absolutely revive downtown. Jack McCallum, Sports
Illustrated, 30 July 2007
5
5. All provisions requiring congressional approval, such as FDA regulation, were dropped, as were
mandates for stronger package warnings, tighter enforcement on sales to youth, stronger public
smoking bans, and provisions to reduce youth smoking. Allan M. Brandt, The Cigarette
Century, 2007
6. Not the least of the Governors' problems are the new mandates being put on them by
10
Washingtonby a President who was once one of their own. Karen Tumulty, Time, 19 May
2003
7.
[+]
more
[-]
hide
Origin of MANDATE

Middle French & Latin; Middle French mandat, from Latin mandatum, from neuter of mandatus, past
15
participle of mandare to entrust, enjoin, probably irregular from manus hand + -dere to put more at
MANUAL, DO
First Known Use: 1501
Related to MANDATE

Synonyms
20
ACCREDITATION, AUTHORIZATION, DELEGATION, EMPOWERMENT, LICENSE (or LICENCE),
COMMISSION
Related Words
COMMENDATION, CONSIGNMENT, ENTRUSTMENT; FACILITATION, FOSTERING, PROMOTION;
COMMANDING, DIRECTING, ORDERING
25
[+]
MORE
[-]
HIDE
Other Legal Terms

ACTIONABLE, ALIENABLE, CARCERAL, CHATTEL, COMPLICITY, DECEDENT, LARCENY, MALFEASANCE, MODUS
OPERANDI
Rhymes with MANDATE

30
ABATE, ABLATE, ADNATE, AERATE, AGE
-
MATE, AGNATE, AIRDATE, AIRFREIGHT, ALATE, ARTE, AWAIT,
BACKDATE, BALDPATE, BANDMATE, BASEPLATE, BEDMAT...
[+]
MORE
2
mandate

verb \man-dt\
35
: to officially demand or require (something)
: to officially give (someone) the power to do something
mandatedmandating
Full Definition of MANDATE

transitive verb
40
1
: to administer or assign (as a territory) under a mandate (see
1
MANDATE)
2
: to officially require (something) : make (something)
mandatory
: ORDER <a law mandating recycling>;
also : to direct or require (someone) to do something <a commission mandated to investigate corruption>
45
See mandate defined for English-language learners
Examples of MANDATE

1. The law mandates that every car have seat belts.
2. He won the election so convincingly that he believed the people had mandated him to carry out
his policies.
50


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3. The carbon prices on the European exchanges are higher precisely because the allowances for
carbon emissions are mandated by government. Al Gore, An Inconvenient Truth, 2006
4. But the FDA did nothing. Later, it protested that it doesn't have the authority to mandate additional
studies once a drug is marketed, but that is sophistry. The FDA has the authority to pull drugs off
the market Marcia Angell, New York Review of Books, 8 June 2006
5
5. For a few tantalizing weeks this spring, the manufacturers of gun safety locks seemed to have hit
the jackpot: the gun-control bill passed by the Senate in the wake of the Littleton shootings
mandated that all new handguns be equipped with safety locks. Calvin Trillin, Time, 5 July 1999
6.
[+]more

10

http://en.wiktionary.org/wiki/mandate

mandate
Definition from Wiktionary, the free dictionary 15
Jump to: navigation, search
See also: mandat
Contents
[hide]
1 English 20
o 1.1 Etymology
o 1.2 Pronunciation
o 1.3 Noun
1.3.1 Translations
o 1.4 Verb 25
1.4.1 Derived terms
1.4.2 Translations
o 1.5 External links
2 French
o 2.1 Pronunciation 30
o 2.2 Verb
3 Italian
o 3.1 Noun
o 3.2 Verb
o 3.3 Anagrams 35
4 Latin
o 4.1 Participle


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English[edit]

Wikipedia has an article on:
Mandate
Etymology[edit] 5
Noun is from Latin mandatum (a charge, order, command, commission, injunction), neut of.
mandatus, past participle of mandare (to commit to one's charge, order, command, commission,
literally to put into one's hands), from manus (hand) + dare (to put). Compare command,
commend, demand, remand.
Verb is from the noun. 10
Pronunciation[edit]

Noun[edit]
mandate (plural mandates)
1. An official or authoritative command; an order or injunction; a commission; a judicial 15
precept.
Translations[edit]
[show ]official command
Chinese:
Mandarin: (authorisation) (zh),
(zh) (shuqun), (power; right;
privilege) (zh), (zh) (qunl),
(order; command) (zh) (mnglng)
Finnish: mandaatti (fi), valtuutus,
valtakirja
French: mandat (fr) m
German: Mandat (de) n
Italian: mandato (it) m

Japanese: (ja) (, inin),
(ja) (, sashizu)
Malay: Mandat
Persian: (fa) (dastur)
Portuguese: mandato (pt) m
Russian: (ru) m (mandt),
(ru) n (polnomije)
Spanish: mandato (es) m
Turkish: manda (tr)
Verb[edit] 20
mandate (third-person singular simple present mandates, present participle mandating, simple
past and past participle mandated)
1. to authorize
2. to make mandatory
Derived terms[edit] 25
mandatary
mandator


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Translations[edit]
[show ]authorize
Chinese:
Mandarin: , (zh) (shuqun)
Finnish: valtuuttaa

French: autoriser (fr)
Russian:
(upolnomivat), (ru)
(avtorizovt), (ru) (odobrjt)
mandate in Websters Revised Unabridged Dictionary, G. & C. Merriam, 1913
mandate in The Century Dictionary, The Century Co., New York, 1911 5

French[edit]
Pronunciation[edit]
Homophones: mandatent, mandates
Verb[edit] 10
mandate
1. first-person singular present indicative of mandater
2. third-person singular present indicative of mandater
3. first-person singular present subjunctive of mandater
4. second-person singular imperative of mandater 15

Italian[edit]
Noun[edit]
mandate f
1. plural form of mandata 20
Verb[edit]
mandate
1. second-person plural present of mandare
2. second-person plural imperative of mandare
3. feminine plural past participle of mandare 25
Anagrams[edit]
damante

Latin[edit]
Participle[edit] 30
mandte
1. vocative masculine singular of mandtus


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END QUOTE

Further business reseach:
5
QUOTE
http://www.abr.business.gov.au/SearchByName.aspx?SearchText=pinwise+industry+security
QUOTE
Search results - Matching names
Matching names 10
Related content
Your search for pinwise industry security found 4 matches. Results are listed below sorted by
relevance.
Matching names
ABN Name Type Location
43 214 236 194
Active
p.i.s
Trading
Name
6105 WA
57 651 989 455
Active
p.i.s.
Trading
Name
6260 WA
82 772 826 048
Active
Penwise
Trading
Name
(Historic)
3444 VIC
74 078 446 616
Active
PANWEST INDUSTRIES PTY LTD
Trading
Name
6288 WA
END QUOTE
15
http://www.abr.business.gov.au/SearchByAbn.aspx?abn=82772826048
QUOTE
Current details for ABN: 82 772 826 048
Current details
Historical details 20
Disclaimer
ABN detailshelp
Entity name: CURRIE, PENELOPE
ABN status: Active from 23 Jan 2013
Entity type: Individual/Sole Trader
Goods & Services Tax (GST): Registered from 01 Feb 2013
Main business location: VIC 3444
Business name(s)help
Business name From


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PENNIE 01 Mar 2013
Disclaimer
The Registrar of the ABR monitors the quality of the information available on this website and
updates the information regularly. However, neither the Registrar of the ABR nor the
Commonwealth guarantee that the information available through this service (including search
results) is accurate, up to date, complete or accept any liability arising from the use of or reliance 5
upon this site.
ABN last updated: 14 Jun 2013
Record extracted: 05 Aug 2014
END QUOTE
10
https://connectonline.asic.gov.au/RegistrySearch/faces/landing/bySearchId.jspx?searchId=16259
3624&searchIdType=BUSN&_adf.ctrl-state=rrlq25qps_4
QUOTE
View Details

Help



Business
Names
Hide
all
details






PENNIE
ABN 82
772 826
048






Business
Name
Summary



Business name: PENNIE
Status: Registered
Registration date: 1/03/2013
Renewal date: 1/03/2016
Cancelled date:
Cancellation under review:
Address for service of documents: 4 High St KYNETON VIC 3444
Principal place of business: Kyneton VIC 3444
Holder(s) details:
Holder Name: PENELOPE CURRIE
Holder Type: Person
ABN:
82 772 826 048

Debtor representative(s):
not applicable
Notified successor(s):
not applicable
Regulator: Australian Securities and Investments Commission


Former State/Territory registration details
Former identifier:
Former State/Territory:


View
PDF




Information
for
purchase




Purchased information is delivered online unless otherwise specified.
Payment by credit card only.


Example of paid information


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Business names extract

Current business name information $9.00

Current and historical business name information $17.00

END QUOTE

https://connectonline.asic.gov.au/RegistrySearch/faces/landing/bySearchId.jspx?searchId=16259
3624&searchIdType=BUSN&_adf.ctrl-state=rrlq25qps_4 5
ENQUOTE
View Details

Help






Hide
all
details






PENELOPE
CURRIE



Person
Summary


Holder Name: PENELOPE CURRIE
ABN: 82 772 826 048
Previous Holder Name:
Business Names:

PENNIE


View
PDF

END QUOTE

http://www.abr.business.gov.au/EntityTypeDescription.aspx?Id=00012 15
QUOTE
Individual/Sole Trader
Definition
The Tax Office distinguishes between individuals and non-individuals. Individual is a term used
to identify natural persons and non-individuals is a term used to identify entities other than an 20
individual such as:
trust
company
partnership
superannuation fund 25
END QUOTE

And Further details about PINwise and searvhes

QUOTE 30
https://www.pinwise.com.au/#help



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What is PINwise
Getting and Using Your PIN
FAQs
5



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Australians need PIN at point-of-sale from 1st August
2014 5
The Industry Security Initiative, a collective of Australias major financial institutions and
card schemes, confirms that PIN has become the main form of card payment authorisation
in Australia starting from 1 August 2014.
The industry-wide move to expand PIN at the point of sale (POS) and phase-out the
signature as a form of verification on Australian credit and debit cards will take place over 10
a short transition period which started on 1 August this year.


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The initiative, which is supported by the PINwise communications campaign, is a national
bid to make Australias payment system even safer.
Starting with some of the nations largest merchants, the move will see all of Australias
800,000 merchant payment terminals undergo a software update to no longer accept
signature as the main form of card authorisation for Australian cardholders. 5
There will be no change to contactless or online transactions and only in some
circumstances such as when using a card issued from a bank overseas, will signature still
be a valid form of verification.
Contact your bank or card issuer for more information on how to get your PIN.
What is PINwise? 10
PINwise is an Initiative of the Australian payments card industry to encourage the use of
PIN instead of signature.
Why?
Using your PIN for credit and debit card purchases at point of sale is safer and faster than
signing. There is only a one in ten thousand chance of someone guessing your PIN. 15
How?
Use your PIN when you make a purchase in person or the quick and convenient contactless
option where available. For any questions about your PIN, contact your bank or card issuer
using the links below.
20



PIN safety tip #1 Choosing your PIN
Dont choose a number thats easy for someone to 25
guess


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Stay away from numbers based on your birth date, driver's licence, phone numbers or other
public/semi-public personal information as fraudsters can easily guess them. Choose something
easy for you to remember but hard for anyone else to guess.

Getting & using your PIN. Choose your institution. 5




10




15


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Or enter the name of your financial institution below.
Being PINwise
What does it mean to be PINwise and why should I use a PIN? 5
Being PINwise means using a PIN to confirm your identity when you use your credit or
debit card to conduct a transaction at a point of sale in Australia. Using a PIN helps protect
against fraud due to lost or stolen cards. This is because the chances of someone correctly
guessing your PIN, which can be from four to six digits long, is very small.
Why is a PIN safer than signing? 10
When using your credit, charge or debit card at the point-of-sale terminal, you enter a PIN
when you authorise your transaction, rather than signing. Your PIN transaction is
encrypted and sent in real-time to your card issuer to be authorised. PIN usage can help
protect against fraud due to lost or stolen cards, because the fraudster would need to have
both your card and your PIN; this is why you should not share/tell your PIN with any other 15
person, only you should know your PIN.
Who is behind the PINwise initiative?
The Industry Security Initiative (ISI) comprises representatives of all Australian financial
institutions that issue Visa, MasterCard, American Express and Diners Club cards plus
representatives of Visa, MasterCard, American Express and Diners Club International. 20
The initiative members represent the payments card industry and their role is to ensure that
there is a consistent experience for consumers when using their credit, charge or debit card
to pay for purchases in Australia, regardless of the financial institution that issues the card.

Getting and Managing Your PIN 25


How do I get a PIN for my card? How do I change my PIN? How do I find out if I have a
PIN on my card already?
Your bank / card issuer will provide you with the PIN for your credit or debit card. If you 30
have forgotten your PIN, the card issuer can provide you with another PIN upon request.
PINs may be issued over the internet, by phone or via mail (usually in a separate envelope
to the actual card). Some card issuers allow their customers to customise and select their
own PIN during the card activation process over the phone.
It will be important that you remember the PIN for each of your debit and credit cards. If 35
you do not remember what PIN they have, it is best for you to contact your bank/card
issuer directly.
Different card issuers have different processes for changing a PIN. It is best for you to
contact your bank/card issuer directly, or visit their website, to find out how to change your
PIN or request a new one. 40
How do I choose a secure PIN?


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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Much like choosing a computer password, and, like those passwords, you should keep your
PIN a secret. You should avoid using a PIN that contains repeating characters (like 9999)
or digits in sequence (like 1234), or numbers that represent publically researchable
information, such as your birthday, year of birth, or address.
Some banks and card issuers allow cardholders to set longer PINs, of up to six characters 5
long. A longer PIN number is much harder to guess than a shorter one. A longer PIN may
not be compatible in some overseas locations. In that instance you may have to sign for
goods and services. Longer PINs on debit cards may not be accepted in overseas ATMs for
cash withdrawals.
Will I be able to change my PIN at an ATM? 10
Some financial institutions will allow you to reset your PIN at the ATMs provided by
them. To reset your PIN at an ATM, you will be required to use the existing PIN. Not all
banks will allow a PIN change at ATM. We advise that you contact your bank to
understand all of their specific options for changing your PIN.
What if someone has seen my PIN? 15
If you suspect someone other than yourself knows your PIN, you must immediately change
your PIN, or have a new PIN issued to you, by contacting your bank/card issuer and
gaining further instructions.
What happens if I exceed my PIN tries at an ATM or payment terminal?
If you enter the wrong PIN multiple times in a row, your card may be locked so that 20
fraudsters cannot keep trying to guess your PIN.
Unlocking the card is simple - just contact your bank/card issuer for instructions. For some
cards, it may be possible to unlock your PIN at your banks nearest branch; however it is
best to contact your bank/card issuer for further instructions.
If I return goods for a refund, will I need to enter my PIN to receive the money back? 25
Merchant processes for dealing with refunds may vary. In some cases, you may be asked to
enter your PIN.
What kind of point-of-sale transactions will require me to use a PIN?
Unless conducting a contactless transaction under $100 or a small ticket purchase (under
$35)that does not require PIN or signature , or a transaction at unattended terminals such as 30
a vending machine, a PIN will be required at all point-of-sale terminals in Australia for
purchases of goods and services, as well as cash-out transactions, if your card supports
them.
To find out if your card has cash-out functionality, please contact your bank/card issuer
directly. Also not all merchants support cash-out at point-of-sale. Please ensure that you 35
ask your merchant whether or not it supports cash-out at their terminal.
Who else knows my PIN and who is it safe to reveal my PIN to?
Except for you, no one (not even the card issuing staff) knows your PIN. The PIN must not
be disclosed to anyone, including your bank/card issuer, a member of law enforcement
(e.g. the police) and merchant staff at point-of-sale. However, if you do think someone else 40
knows or has found out your PIN, you must change your PIN immediately, whether it is by
contacting your bank card issuer to have a new PIN issued, or by changing your PIN using
your banks/card issuers ATM or branch network, if supported. Your card issuer will
never ask you to disclose your PIN.
45


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Remembering Your PIN


I am having trouble remembering my PIN; how does this affect me?
You can change your PIN to a four-digit or six-digit number that is easier to remember. 5
Different card issuers have different processes for changing your PIN. It is best for you to
contact your bank/card issuer directly, or visit their website, to find out how to change your
PIN. You should make sure that it is a number that nobody else can easily guess.
What happens if I forget my PIN?
If you type in the wrong PIN three times into the point-of-sale terminal, your card will 10
become locked and you will be unable to complete a point-of-sale transaction. You should
contact your bank or financial institution to obtain instructions on how to unlock it. In
many cases they will ask you to go to one of their branches or ATMs to unlock the card.
When you know your PIN, it will work in an ATM to obtain cash.
If you have forgotten your PIN, or if you dont know if you have a PIN, you should contact 15
your bank or financial institution directly. They will advise you of their procedures for
supplying you with a new or replacement PIN.
I have been told not to write my PIN down - what can I do?
You could change your PIN to a number that is easier for you to remember, ensuring that
you do not use numbers that others could easily guess. For a list of methods of how to 20
change your PIN, it is best for you to contact your bank/card issuer for further instructions.
What if I forget my PIN when I get to the till?
Provided you have not locked your PIN by entering it incorrectly three times, you should
tell the cashier, who will advise you what alternatives are available. If no alternatives are
available, you will have to use a different card or an alternative payment method. 25

Your New Card


What does a chip card look like? 30
Your Australian issued credit or debit card will most likely already have a "smart" chip.
The chip itself is embedded in the card, but the top of the gold/silver contact plate can be
seen from the front of the card, on the left hand side. There will be occasions when the
merchant accepting your card for payment, in Australia and overseas, will not be able to
process a PIN transaction and you will be required to sign instead. Your card will therefore 35
retain both its magnetic stripe and signature strip on the back.
I have just received my new card(s). What should I do with my old card(s)?
When you receive your new card(s), follow the instructions of your bank/card issuer to
activate your new card(s). You should cut up and dispose of your old card securely.
Do all credit, charge and debit cards still need to be signed on the reverse? 40
Yes. This is still necessary, as the signature will continue to be used for verification in
certain situations, such as travelling abroad to a country where where PIN is not used or
where a merchant has not upgraded to a PIN enabled terminal.
How are cards I use for business purposes affected by PIN?
If you have been issued a corporate payment card from your employer, or if you were 45
issued a corporate payment card for a business you own, your corporate cards will be
upgraded to be PIN enabled, much like a regular credit, charge or debit card. Corporate
cards may also be commonly referred to as commercial, business, or company cards, and


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are generally used to make business-related payments such as invoice payments or business
expenses. If you do not have one already, you will need a PIN for these types of card.

Using Your PIN
5

Do all transactions in Australia need a PIN?
No, not all transactions at point of sale will need a PIN, most notably contactless
transactions (Visa payWave, MasterCard PayPass or American Express Contactless) under
$100 do not need to be authorised by a PIN, and do not require a signature today. 10

Other exemptions are:
Certain small ticket payments that do not require signature or PIN under $35
Transactions from most unattended terminals e.g. parking meters, kiosks and vending
machines 15
International transactions (transactions conducted by cardholders with cards issued by
banks outside Australia)
Magnetic stripe transactions (generally on payment cards that do not have a chip, for
example some pre-paid cards and gift cards)
Signature only cards. These cards may be issued by certain financial institutions to 20
accommodate special needs of individual cardholders and are subject to specific
criteria
In each case, the payment terminal that is reading your card will prompt for a PIN if it is
required.
Can I still use the contactless option? 25
Yes. In Australia, where that facility is enabled, you can still tap your MasterCard
PayPass, Visa payWave or American Express Contactless enabled credit or debit card on a
contactless enabled terminal or touchpad to initiate the payment side of the transaction.
When contactless is used, for any transaction under the value of $100 there is no need for
you to PIN or sign. For transactions of $100 or greater you will from August 1st 2014 be 30
asked to PIN.
To check whether the point-of-sale terminal supports contactless transactions, ask the
attendant at the terminal, or simply look at the terminals screen prompt for instructions.
The following symbol indicates that the card and the payment terminal or card
reader can conduct a contactless transaction. 35
Will the PIN I use for making purchases be the same as the PIN used for cash withdrawals
at the ATM?
Yes. Each new card will have one PIN that can be used for cash withdrawals at ATMs, and
purchases at point-of-sale.
Will PINs be used to make card transactions through the Internet or over the telephone? 40


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No. PIN is only applicable when you are physically present at the point-of-sale during the
purchase or cash-out transaction. You should never share your PIN with anyone if
purchasing goods online or via the telephone.
In what cases would cardholders not have to use a PIN?
A PIN is not required for mail or telephone order transactions, or transactions conducted on 5
the Internet.
PIN is only applicable when you are physically present at the point-of-sale during the
purchase or withdrawing cash at an ATM. There are some circumstances at the physical
point-of-sale when PIN is not required (and neither is signature), most notably contactless
(Tap and Go) payments under $100 and low value payments (under $35) at some 10
merchants and transactions from most unattended terminals e.g. vending machines and
parking meters.
There are no circumstances in which you should reveal your PIN when making a purchase
or booking services by mail order or over the telephone or internet.
Please contact your bank/card issuer for a full list of exemptions. 15
What if Im not prompted to enter a PIN?
Where the point-of-sale terminal at the merchant does not prompt you to enter a PIN, you
will be asked to follow the current card payment process, normally using your signature to
confirm the transaction. Note that contactless transactions (Tap and Go) under
$100,some low value transactions under $35 will not require a PIN or a signature and most 20
transactions from unattended terminals e.g. vending machines and parking meters.
How can I add a gratuity in a restaurant?
Most new pay-at-table terminals at restaurants should display the amount that you are
paying and ask if you wish to add a gratuity (often providing the option of adding a
percentage or a dollar figure that you can choose). Follow the display prompts. If you add a 25
gratuity amount, the total amount of the transaction will then be displayed and you will be
prompted to enter your PIN. By doing so you are accepting the total amount of the
transaction.
What happens if I still try to sign for a purchase in Australia?
From August 1st 2014, if the terminal has requested a PIN (likely to see ENTER PIN on 30
the screen) then it will not allow you to continue with the transaction unless your PIN is
entered. Therefore it is important that you have and use a PIN as soon as possible in order
to avoid any issues with processing your payments in the future.
Will I be able to withdraw cash on a card issued by my employer?
The ability to withdraw cash is specific to each bank/card issuer. It is best for you to 35
contact your employer directly, as the ability to withdraw cash may also depend on the
policy of your employer. For further information or help, please contact your card issuer.

After 1 August 2014
40

Why can I still sign sometimes?
From 1 August, there will be a short transition period while the software in all point-of-sale
(POS) terminals across Australia is upgraded. You should still use your PIN with each
transaction, as the number of places where signature is accepted will quickly reduce over 45
the next couple of months.
What if I dont have a chip card?


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After 1 August, Australian issued magnetic-stripe (mag-stripe) cards without an embedded-
chip will still be able to use signature for authorisation; most of these cards will be replaced
with chip-enabled cards by their issuer within the next few months.
Does this impact Tap & Go / contactless?
The operation of Visa payWave, MasterCard PayPass, and contactless payments from other 5
providers, including American Express, for transactions up to $100 will not change in light
of the move to PIN.
What if I cannot use a PIN?
Australians with a genuine need to sign can apply for signature-preferred cards; each
applicant for such a card will be assessed on a case-by-case basis by their bank or card 10
issuer. People cannot opt to have a signature-preferred card simply because they prefer to
sign. The move to PIN only technology is a compulsory security update to Australias
payment system.
What about non-Australian issued cards?
Visitors from overseas will not be impacted by the changes, so they will use signature or 15
PIN to authorize transactions as they did before. Hence signature will still be a valid form
of payment authorisation for most visitors from overseas.

PINwise and Accessibility
20

What if I have an impairment which makes it impossible to use a PIN?
While it is recommended that cardholders always use their PIN if given the option, it is
understood that some cardholders may have a genuine requirement to be able to continue to
sign due to mental or physical impairments, even once the PIN mandate is in force from 1st 25
August. For these select cardholders a number of card issuers will be providing an option
for the cardholder to request a replacement card which will allow them to continue to sign
if they have difficulty using a PIN. You should contact your own financial institution or
issuer if you require further information on this topic.
How does PIN affect those who are blind or partially sighted? 30
The vast majority of PIN pads on point-of-sale terminals have a tactile feature that includes
a raised dot on the middle 5 button. This layout will be familiar to most people with
vision impairments, and should therefore be easier to use. Also, the primary 'function' keys
are colour coded for ease of visibility. Usually, the 'cancel' button is red, the 'clear/cancel'
button is yellow, and the 'Enter/OK' button is green. 35
Many PIN pads are designed to be picked up from their holders, to make it easier and more
secure for you to enter your PIN. You may also come across PIN pads which have been
built into the shop counter, and in restaurants and bars the PIN pads are likely to be
wireless so that you can pay whilst sitting at the table. Whatever the case may be, merchant
staff should always be able to help you through the process and answer any queries. But 40
you should never disclose your PIN to the staff, your PIN should remain confidential/secret
to you.
Research with blind/visually impaired cardholders in February 2013 showed that the vast
majority of those interviewed were happy to use a PIN, having tried it and found it easier
and quicker than signing. If you believe you have a disability that may make it difficult for 45
you to use a PIN, contact your bank/card issuer as they will be able to discuss this with
you.
I am having trouble using my hands, how does PIN affect me?


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Some people may have difficulty with entering PINs, particularly those with physical
conditions such as arthritis or cerebral palsy. If you have a disability and think that you
may have difficulty with PIN due to impairment, please contact your bank/card issuer and
they will discuss options with you.
Can I ask the merchant staff to enter my PIN for me? 5
No. For security reasons, the PIN must never be shared with anyone, even card issuer staff.
If you are unable to use a PIN please contact your card issuer to discuss alternative
methods.

Travelling PINwise 10


What happens when I travel overseas?
If you are travelling overseas, it is a good idea to know your PIN before you leave. It is
best to check with your bank/card issuer before travelling overseas, in order to understand 15
how your bank/card issuers procedures apply and whether you will be asked to enter a PIN
when travelling overseas. This is because some banks/card issuers program their cards to
require a PIN even when used overseas.
If you are travelling overseas, you should contact your bank/card issuer about your travel
plans, in order to ensure that they know to expect transactions processed from your country 20
of destination.
What happens when I travel overseas, but have a longer PIN of six digits?
If you have changed your PIN from the originally issued four (4) digit PIN to a six (6) digit
PIN, some of your transactions may not be successful overseas. You may also encounter an
error with your four digit PIN in some countries that require a six digit PIN. The most 25
widespread standard currently, however, is a 4 digit PIN. Please be aware some countries
and overseas banks have different PIN rules to those in Australia. If you have further
questions about PIN usage overseas, please contact your bank/card issuer for further
information.
Is it unsafe to sign for purchases when I go overseas? 30
Your Australian issued credit or debit card may or may not support PIN when you travel
overseas, depending on your destination. If the equipment at the overseas merchant does
not allow you to use PIN, you should still feel safe that you are protected by signature
verification. Be sure that you have signed the back of your card, and that the merchant
checks the signature for verification. 35
I am visiting Australia as a tourist or on business and I don't have a PIN enabled card - will
I be able to use it in shops?
You don't need to worry. Your cards will still be accepted in Australian shops and by other
businesses including hotels and restaurants. You will simply be asked to sign, just as
before. 40
Top 5 FAQs
Why is a PIN safer than signing?
What happens if I still try to sign for a purchase in Australia?
How do I choose a secure PIN?
What happens if I forget my PIN? 45
What does it mean to be PINwise and why should I use a PIN?
Buy Safe
Privacy Policy


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Copyright
Site Information

About
PINwise is an industry security initiative brought to you by Australias major financial 5
institutions and the international card payment schemes.
END QUOTE

http://who.godaddy.com/whoisstd.aspx?domain=pinwise.com.au&prog_id=GoDaddy&k=k0Fzo
zoaVn1MYnh8YY4qcLnRM93tJYx4pP01v6qFV0n3uzpWfzFqDxROYALObOyW 10
QUOTE
Domain Name: pinwise.com.au
Last Modified: 01-May-2013 01:44:04 UTC
Registrar ID: WAR
Registrar Name: Web Address Registration 15
Status: ok

Registrant: SHIFT COMMUNICATIONS PTY LIMITED
Registrant ID: ABN 79003388387
Eligibility Type: Company 20

Registrant Contact ID: R-007443461-SN
Registrant Contact Name: Kate Meyer
Registrant Contact Email: Visit whois.ausregistry.com.au for Web based WhoIs
25
Tech Contact ID: C-003352501-SN
Tech Contact Name: Kate Meyer
Tech Contact Email: Visit whois.ausregistry.com.au for Web based WhoIs

Name Server: ns1.dnspackage.com 30
Name Server: ns2.dnspackage.com
END QUOTE

http://www.abr.business.gov.au/SearchByAbn.aspx?SearchText=79003388387
QUOTE 35
Current details for ABN: 79 003 388 387
Current details
Historical details
Disclaimer
ABN detailshelp
Entity name: SHIFT COMMUNICATIONS PTY LIMITED
ABN status: Active from 24 Mar 2000
Entity type: Australian Private Company
Goods & Services Tax (GST): Registered from 01 Jul 2000


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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Main business location: NSW 2016
Trading name(s)help
Trading name From
FAME ADVERTISING 24 Mar 2000
ASIC registration - ACN or ARBN
003 388 387 View record on the ASIC website
Deductible gift recipient statushelp
Not entitled to receive tax deductible gifts
Disclaimer
The Registrar of the ABR monitors the quality of the information available on this website 5
and updates the information regularly. However, neither the Registrar of the ABR nor the
Commonwealth guarantee that the information available through this service (including
search results) is accurate, up to date, complete or accept any liability arising from the use
of or reliance upon this site.
ABN last updated: 31 May 2011 10
Record extracted: 05 Aug 2014
END QUOTE

http://www.abr.business.gov.au/EntityTypeDescription.aspx?Id=00019
QUOTE 15
Australian Private Company
Definition
A private Australian company is not listed on the stock exchange and is not included in the
description of Australian public company or cooperative.
END QUOTE 20

http://www.abr.business.gov.au/SearchByAbnHistory.aspx?abn=79003388387
END QUOTE
Historical details for ABN: 79 003 388 387
Current details 25
Historical details
Disclaimer


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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
ABN detailshelp
Entity name From To
SHIFT COMMUNICATIONS PTY LIMITED 02 Mar 2011 (current)
THE BRANDSHOP PTY LIMITED 19 May 2006 02 Mar 2011
FAME ADVERTISING PTY. LIMITED 09 May 2002 19 May 2006
FAME ADVERTISING PTY.LIMITED 24 Mar 2000 09 May 2002
ABN Status From To
Active 24 Mar 2000 (current)
Entity type
Australian Private Company
Goods & Services Tax (GST) From To
Registered 01 Jul 2000 (current)
Main business location From To
NSW 2016 30 May 2011 (current)
NSW 2021 27 Jul 2007 30 May 2011
NSW 2088 24 Mar 2000 27 Jul 2007
Trading name(s)help
Trading name From To
FAME ADVERTISING 24 Mar 2000 (current)
ASIC registration - ACN or ARBN
003 388 387 View record on the ASIC website
Deductible gift recipient statushelp
Not entitled to receive tax deductible gifts
Disclaimer
The Registrar of the ABR monitors the quality of the information available on this website 5
and updates the information regularly. However, neither the Registrar of the ABR nor the
Commonwealth guarantee that the information available through this service (including


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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
search results) is accurate, up to date, complete or accept any liability arising from the use
of or reliance upon this site.
ABN last updated: 31 May 2011
Record extracted: 05 Aug 2014
END QUOTE 5

http://www.abr.business.gov.au/SearchByName.aspx?SearchText=SHIFT+COMMUNICATIONS+PTY+LIMITED
QUOTE
Search results - Matching names
Matching names 10
Your search for SHIFT COMMUNICATIONS PTY LIMITED found 24 matches. Results are
listed below sorted by relevance.
Matching names
ABN Name Type Location
79 003 388 387
Active
SHIFT COMMUNICATIONS PTY LIMITED Entity Name
2016
NSW
65 016 529 306
Active
SHIFT
Trading
Name
4121
QLD
21 735 418 359
Active
SHIFT
Trading
Name
(Historic)
2026
NSW
21 795 905 515
Cancelled
SHIFT
Trading
Name
3678 VIC
42 457 784 814
Active
Shift
Trading
Name
4213
QLD
27 067 292 435
Active
Shift Other Name 6110 WA
35 792 477 210
Active
Shift Other Name
2783
NSW
88 123 119 755
Active
SHIFTA CORPORATION PTY LTD Entity Name 3207 VIC
90 137 677 117
Active
SHIFTA PTY. LTD. Entity Name
2620
NSW
67 161 142 249
Active
SHIFTE PTY. LTD. Entity Name 3141 VIC
21 735 418 359
Active
SHIFTT
Trading
Name
2026
NSW
35 991 749 322
Cancelled
SHAFT
Trading
Name
2287
NSW
42 094 359 743
Cancelled
SIFT PTY LIMITED Entity Name
2000
NSW
82 079 677 053
Active
SOFT COMMUNICATIONS PTY LTD Entity Name
2137
NSW
18 162 074 302
Active
THE SHAFT
Business
Name
4570
QLD
24 378 909 039
Cancelled
THE SHAFT
Trading
Name
(Historic)
4570
QLD
84 706 670 560
Active
SHIFTY
Trading
Name
2290
NSW
30 087 948 561
Cancelled
SHIFTY PTY LTD
Entity Name
(Historic)
3215 VIC
61 440 509 430
Active
SOFT COMMUNICATION AUSTRALIA
Business
Name
2075
NSW
68 768 287 285 SOFT COMMUNICATION AUSTRALIA Other Name 2009


65
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Cancelled NSW
16 526 368 957
Cancelled
shifty
Trading
Name
2750
NSW
17 760 804 195
Active
shifty.inc
Trading
Name
3156 VIC
31 134 245 686
Cancelled
S.H.F.T. PTY. LIMITED Entity Name
2120
NSW
36 547 251 695
Active
SHFTA
Business
Name
6060 WA
END QUOTE

Even so the PINwise website refers to request a card which will allow them to continue
to sign reality is that I did so on 28 July 2014 and first was given the understanding by
both Rosanna branch staff Lisa and subsequently by the branch manager Robyn McIntosh 5
that this was not available, but upon my insistence they call head office, upon which then
Robyn McIntosh acknowledged that there was an option for a signature card but that she
would come back to me after contacting Head office (Westpac) again. Subsequently via text
message to my mobile she made known no signature was possible.
As shown below (in the quoted details of the website) the request was made and it doesnt 10
indicate that such request must be supported by a medical certificate, yet Westpac added
this to it. Which seems to me to mean that it got nothing to do with a mandate or some
government requirement but rather a concocted way to swindle customers to every extend
and to circumvent the provisions of the Age Discrimination Act 2004 and the Disability
Discrimination Act 1992. 15

https://www.pinwise.com.au/#help
QUOTE
What if I have an impairment which makes it impossible to use a PIN?
While it is recommended that cardholders always use their PIN if given the option, it is 20
understood that some cardholders may have a genuine requirement to be able to continue to
sign due to mental or physical impairments, even once the PIN mandate is in force from 1st
August. For these select cardholders a number of card issuers will be providing an option
for the cardholder to request a replacement card which will allow them to continue to sign
if they have difficulty using a PIN. You should contact your own financial institution or 25
issuer if you require further information on this topic.
END QUOTE

This correspondence is not intended and neither must be perceived to contain legal advice
nor to refer to all issues/details. 30

MAY JUSTICE ALWAYS PREVAIL
(Our name is our motto!)
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit)
END QUOTE 5-8-2014 35

QUOTE 15-8-2014
Subject Reference 09227778 FOS Case 369877
Sender
Verma, Anita
Recipient
admin@inspector-rikati.com
Copy
info@fos.org.au
Date Today 11:24
Dear Mr Schorel-Hlavka,


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We are writing in reference to your concern regarding the use of a PIN number for your credit card. We
sincerely apologise for the inconvenience this matter caused you and I have personally looked into this for
you.
5
Your Concerns
You have advised that you use a Handy card for cash withdrawals but do not want to use a PIN for the credit
card.
You feel the bank is forcing you to use a PIN number for your credit card.
You inform us that your wife is unable to use a Pin due to medical condition and you have been asked to 10
provide a medical certificate to the effect to get a signature enabled card for your wife.
You want the bank to provide you and your wife with a signature enabled card.
Our Explanation
As part of an industry wide initiative to make Australias payment system safer, Visa, MasterCard, American
Express are phasing out the use of signatures to authorise most chip enabled credit and debit card payments at 15
EFTPOS terminals, and a PIN will become the main form of payment authorisation. The Industry Security
Initiative, a collective of Australias major financial institutions and card schemes, confirms that PIN has
become the main form of card payment authorisation in Australia starting from 1 August 2014.

PIN usage has been proven to decrease fraud due to lost or stolen cards when introduced overseas, and the 20
combination of a chip enabled card and a PIN is considered the highest security standard globally for
transactions where the card is presented at the point of sale.

The signature enabled card is provided to customer under certain mitigating circumstances .In relation to your
wifes inability to use the PIN, you can contact the nearest branch and they will assist her to complete a form 25
to order a signature enabled card for her.
We understand that you have been using the Handycard with PIN to transact on your account and therefore
should be able to use a PIN on your credit card.
While we appreciate that you are dissatisfied with these changes, it is in accordance with the industry wide
decision. 30
We respectfully decline your request to provide you with a signature enabled card.
What you can do next
I hope the above explanation clarifies your concern.
If you are not satisfied with this final response, you can contact the Financial Ombudsman Service on 1300
780 808, email info@fos.org.au or mail GPO Box 3, Melbourne VIC 3001. If you choose to pursue this 35
option, you will need to do so within 2 years of this correspondence.

Yours sincerely,
Anita Verma ,
Customer Relations Manager, 40
Customer Experience ,Australian Financial Services.
PHONE :02 9374 7258 FAX: 1300 655 858
GPO Box 5265 Sydney NSW 2001
anitaverma@westpac.com.au
45



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Unless otherwise stated, this email is confidential. If received in error, please delete and inform
the sender by return email. Unauthorised use, copying or distribution is prohibited. Westpac
Banking Corporation (ABN 33 007 457 141) is not responsible for viruses, or for delays, errors 5
or interception in transmission. Unless stated or apparent from its terms, any opinion is not the
opinion of Westpac Banking Corporation. This message also includes information on Westpac
Institutional Bank available at westpac.com.au/wibinfo

END QUOTE 15-8-2014 10

QUOTE 20-8-2014
WI THOUT PREJ UDI CE
Financial Ombudsman Service 20-8-2014
info@fos.org.au 15

Cc: Westpac C/o ramcintosh@westpac.com.au

Ref; 20140820-G. H. Schorel-Hlavka O.W.B. to Financial Ombudsman Service-Re signature card-etc
COMPLAINT Case Number 369877 Supplement 02 20

Sir,
I have copies below a response I received from Westpac as to why it refuses to allow
me to continue to use a signature.
. 25
As you are aware the federal Government has been pursuing that people of all ages when
earning an income must prepare for when they retire. In fact since about 1946 it introduced
a 7% levy tax for old age pensions. Decades later it introduced compulsory superannuation
for both employees and employers. As such, it must be clear that governments of whatever
political parties association were insisting that people of all ages prepare for the future of 30
old age.
I am a senior citizen and while I am no longer required to contribute to some old age
pension, as I passed the 65 year age, nevertheless I still have to be considering the rest of
my life, including that many people in their old age are losing some of their faculties such
as memory loss. 35
.
Only in recent weeks, as I recall it, in the 60 Minutes Television program showed how a
woman in her senior years no longer can remember her pin number, and now is blocked out
of accessing her monies held by the bank.
For many years people when depositing cheques in a bank had to fill in deposits slips only 40
then for the banks to slowly abolish them. However, one could attend to Westpac Rosanna
branch still having to fill in the slips while the Westpac City branch already for a long time
no longer used this. The slips therefore were for the convenience or inconvenience of the
branch that insisted on those deposit slips and much to the inconvenience of customers.
45
With the signature requirements one has to ask what is the difference for a bank or other
financial institution if I use a signature or a pin number? When I attend to a store and sign
with a signature then at time in error the cashier puts the signature slip in the bag with the
items purchased. The store still receives its monies as this is electronically completed. The
signature therefore is for the benefit of the store and not of the bank. Also, the signature is 50
that of the customer and not that of the bank. So, let say that I were to discover the signed
slip in my shopping bag and were then to claim to the bank that I never purchased the
items. The store may just then produce CCTV camera recording proving I actually was
there doing the purchase, and so the signature itself is not necessarily required by the store
to prove I was the person doing the purchasing. Also, if the bank charges me for something 55


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I am not agreeing with I incurred this purchase cost then I can request a signature slip to be
produced, which the store could produce if it were not to have CCTV camera.
If however the store seeks to claim more than what was purchased by say claiming to
charges then where a CCTV camera (if they have one) cannot show 2 separate purchases
then the signature or the lack thereof will make a difference. It is not like that stores are 5
putting into as box all the signature slips they received and then sent it on to Westpac to
record. Therefore, it is in disputes that the issue of signature slips and CCTV cameras
become relevant. Therefore, being it Visa, Mastercard, or whatever, they too have little or
no concern about signature slips unless there is a dispute. Removing the signature slips
from the scene means less evidence for a customer to prove he/she didnt purchase the 10
items charged for. As such it is in aid of fraudulent charges that the need for signatures is to
be abandoned.
When people are getting older they do not realise the generally slowly (degeneration) loss
of memory, etc, and so can be more likely the victim of fraudulent conduct by banks and
other financial institutions. As such the issue of removing signature requirements is more 15
to prevent the elderly their security. It is not like that the financial institutions will say:
We will remove signature requirements and if you dispute a charge then we will
have the onus of proving you made the particular related purchase.. It is no more but
a system to dupe the elderly more and more.
If one check stores then many have where one must key in a pin number where the unit 20
used for it is fitted onto the cash register and ass such a person in a wheelchair cannot
access this but needs to give another person the pin number (being it the cashier or other
person nearby) and this in itself violates the security as one is not permitted to give once
pin number to anyone. Whereas with a signature, the slip can be placed on the wheelchair
and the person can add his/her kind of signature. 25

QUOTE 15-8-2014 email
We understand that you have been using the Handycard with PIN to transact on your account and
therefore should be able to use a PIN on your credit card.
END QUOTE 15-8-2014 email 30

As I am heading to being 70 I have my concerns as to if later in life I could have the mental
competence to remember all kinds of passwords/pin numbers required for a range of issues.
The mere fact that I use a pin number (albeit very limited) to one card for Westpac is
because it is the only card I use with a pin n umber and so no confusion can occur. 35
However, if I were forced to use a pin number for each and every card then obviously I will
be unable to remember them all. Writing them down is no option because that would be in
violation of the conditions of each relevant card. As such, I would have to use either one
pin number for all cards, which itself is also not appropriate or forget using any pin
numbers at all. Moreover, the bank advises one has to change a pin number regularly, in 40
particularly also if someone try to use an incorrect pin number to access once account via
the internet. Well, if one has to change a pin number for one account and were to use the
same pin number for other accounts then one would have to change all of them every time
one needs to change it for one of the cards.
I recall some years ago when I was starting with passwords to use a certain system that 45
would make sure I never used the same password for different things but never would
forget any password. Well, soon after this I had to apply for resetting my passwords
because I forgot the system I had created. I had used an incorrect identity for the particular
website or used an incorrect email address for a certain website, etc. So, forget about
whatever password as I simply cannot bother to remember any as I just get to reset the 50
password and that is much quicker.


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And knowing the password/identity/email address problems the years I have no intention to
bed stranded at a cash register being unable to remember the pin number and then left
standing there. I do not expect Westpac after hours service to accompany whenever I have
to use my card to assist me if I do not remember which pin number is for which card and so
I see no justification to abort a signature. 5
As I exposed (in my previous 5-8-2014 correspondence) the nonsense that this is mandate
(as claimed by the bank) where this actually is of a private person having set up some
company and an advertising company in itself underlines the gross deception the banks are
engaged in.
. 10
It must be clear that the banks are willing to continue signature cards IF IT APPROVES
THIS for certain customers. To me this is discriminatory against the aged! Again, many
customers wouldnt have a clue that they have a mental regression. It is part of a life cycle.
Ultimately banks (other than State banks) and other financial institutions are regulated by
Commonwealth law, not by some privately owned advertising company! 15
Commonwealth policy is that one must consider once aging and provide for appropriate
age care. I view this demands that banks (other than State banks) and other financial
institutions must ensure their policies are not disadvantage the elderly, the infirm and the
disabled.
I am not aware of any application by Westpac as to being allowed to discriminate towards 20
the elderly, etc, and as such I view its conduct to demand I use a pin number is a breach of
law.
It is not relevant if Westpac may argue it only demands me to have one more pin number,
because if every financial institution does the same argument then I could end up with
numerous pin numbers in totality. I do not accept that I should have to prove to any 25
bank/financial institution my mental capacity at whatever time to be permitted to use a
signature card. My right to access my own monies, being it using Mastercard or otherwise
should never be challenged by the bank or other financial institution.
.
QUOTE 15-8-2014 email 30
. The Industry Security Initiative, a collective of Australias major financial institutions and card schemes,
confirms that PIN has become the main form of card payment authorisation in Australia starting from 1
August 2014.
END QUOTE 15-8-2014 email
35
Again this Industry Security Initiative is a deceptive reference as to my research it is
nothing more but an advertising agency, as outlined in previous correspondence!
One must be an utter fool to accept that an advertising agency instead of the
Commonwealth of Australia can dictate how banks (other than State banks) and other
financial institutions can conduct their business. The mere fact that Westpac continues to 40
dictate these issues despite my previous set out about this advertisement agency may
underline how it as I view it is swindling its customers to cave in to their unethical
and unlawful demands.

QUOTE 15-8-2014 email 45
The Industry Security Initiative, a collective of Australias major financial institutions and card schemes,
confirms that PIN has become the main form of card payment authorisation in Australia starting from 1
August 2014.
END QUOTE 15-8-2014 email
50
Again, here Westpac has purported that the Industry Security Initiative, a collective of
Australias major financial institutions and card schemes where in fact my research
indicates it is nothing more but an advertising company. As such, to me this is a gigantic


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conspiracy by those involved as to seek to undermine customers rights being by disability
or age pension relevant legislative provisions, as referred to in previous correspondence.
.
QUOTE Sorell v Smith (1925) Lord Dunedin in the House of Lords
In an action against a set person in combination, a conspiracy to injure, followed by actual injury, will 5
give good cause for action, and motive or instant where the act itself is not illegal is of the essence of the
conspiracy.
END QUOTE
.
Obviously by now a lot of people have been deceived to now use a pin n umber and I 10
view this cannot and must not be tolerated.
I view, I should be entitled to compensation if only for the sheer deceptive conduct by
Westpac upon me perpetrated to try to force me to submit to their what I consider
unlawful demands despite having been provided by me considerable writings setting out
my opposition of using a pin number for my Mastercard. Despite that over the years I 15
have pursued to act in a secure manner Westpac seeks to undermine this by forcing me to
use a pin number and I view violates my rights in various ways by this.

QUOTE 15-8-2014 email
PIN usage has been proven to decrease fraud due to lost or stolen cards when introduced overseas, and the 20
combination of a chip enabled card and a PIN is considered the highest security standard globally for
transactions where the card is presented at the point of sale.
END QUOTE 15-8-2014 email

Very often I come across this mind of nonsense what may or may not be used overseas. 25
The fact we are residing in the Commonwealth of Australia is because of its unique set of
laws. Is Westpac going to promote so called honour killings because it is practice overseas
in various countries? Come on it is not relevant what overseas may or may not claim to be
applicable as they do not have the constitutional structure that is unique in the
Commonwealth of Australia. The statement shows no relevant/reliable date and is merely a 30
nonsense statement to seek to justify as I view it violation of Australia legal provisions to
undermine the rights of the aged, infirm and the disabled. Obviously it is open to Westpac
bank, if it disliked Australian legal provisions to close its Australian b ranches and move to
the countries where it can practice its desired conduct, if it considers that those overseas
countries where such practices is permitted are better for it. However, where it is operating 35
within the framework of laws within the provisions of the Commonwealth of Australia
Constitution Act 1900 (UK) then I view it must conduct matters within those legal
provisions. The Framers of the Constitution specifically provided for the commonwealth of
Australia legislative powers to deal with banks (other than State banks) and other financial
institutions and this because of the dismal and corruptive and irresponsible conduct then 40
already existing where gross mismanagement caused many to end up in a poor house.
.
Hansard 21-1-1898 Constitution Convention Debates
QUOTE Mr. HOWE:
They show that the thrift practised by the people of Australia is unparalleled in the history of the world. 45
But there is another side to this question, and a very gloomy and sorrowful side indeed. There are
records of bankruptcy, of reckless, and in some instances corrupt, management, when the hard
earnings of the people and the savings of a lifetime have been swept away-have melted away like
snow before the noonday sun. Through this reckless and corrupt management men who thought
they had provided for their old and declining age found themselves stranded on the cheerless shores 50
of charity, and many of them have had to accept even amongst ourselves the pauper's lot. The
pauper's lot in Australia or in any other country is to the deserving poor one of the saddest and
darkest blots on our civilization.
END QUOTE
. 55


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With Bail out or Bail in the banks seeks to throw off their responsibilities for
corporate responsible management and seeks to undermine the customers/public rights to
accountability.
The signature card issue is no more but a device to limit the rights of customers and aiding
the banks and other financial institutions to undermine the rights of customers and the 5
public in general. Whereas Westpac requires using pin numbers increases security reality is
in my view it undermines security, where used for ordinary purchases
.
When I walk about I do not fear anyone scanning (using some device) my card because
they cannot scan my signature. However, without my signature being needed they can scan 10
my card while I walk ab out and do not need a signature. Overhead cameras have often
proven to be used in stores to monitor the pin number used by a customer and the cashier
using an unauthorised scanner then can add further charges long after a customer has left. It
is known to happen in restaurants, hence I for one do ordinary never use my handycard for
purchases. My records of my Handycard proves this. And yes I keep those records! As 15
such by limiting the usage of the Handycard to selective ATM machines I am able to
immediately identify any unauthorised usage. Hence, I use the Mastercard in general and as
I recall only twice in the last decade had to pay interest as ordinary I use the Mastercard to
avoid any interest charges. As such, I view I use my Mastercard in a responsible manner
and do not accept that I can be forced to use the Mastercard in a manner which undermines 20
my security as well as my legal rights.
Regardless if I were to use a signature or pin number at any particular store it makes really
not one of iota differenced to the bank in that the electronic transaction is not more or less
for the bank or the financial institution. It is however that using a pin number undermines
the security of the customer and stores and would in effect enable banks themselves to add 25
unlawfully additional charges, often referred to as bank error where then the customer
has the onus of disproving the bank error.
I recall in the 1970s when my then wife came to my work explaining she had deposited
$84.00 (Westpac bank Coburg) but had not received a bank slip. I asked her to go back to
the bank. She did in the afternoon and was given a slip that she had deposited $48.00. I 30
waited till the monthly bank statement came in and then became aware that it showed a
deposit of $48u.00. I subsequently took time of work and with my wife attended to the
Branch manager. He called in the teller who insister my wife had only deposited $48.00
and the Bank manager then produced the ledger showing a $48.00 entry. The bank
manager making clear that my wife may have used the monies for something else and try 35
to blame the teller for being dishonest. I made clear I believed my wife telling the truth. We
left without resolve. Some months later I happen to come across the $48 slip again and I
recalled that the slip the bank manager had shown had a full (bank) stamp on it whereas my
wife had one with half a stamp and was of a different size of deposit slip. Also the $48
entry had been the last en try of the day by the teller whereas my wife had deposited the 40
monies in the morning. So with my wife I went back and confronted the Westpac bank
manager about it. He retrieved the ledger and indeed the $48.00 dollars was the last entry
of the day instead of entry in the morning. The Teller subsequently admitted having
misappropriated the difference of monies. Was it not for my wife having gone back in the
afternoon for the slip the lot would have gone missing. And one may ask how often the 45
same was done to other customers? The Westpac ban k manager did apologize and
remarked that I never waivered as to my trust in my wife. But, in the process had had twice
lost time of work and this was not compensated. What it however does prove to me is that
bank staff can and do misappropriate monies and I for one do not want to have such kind of
banking error reoccurring. With banks setting up a policy where customers remain 50
responsible to disprove misuse of monies but undermine their ability to do so by removing


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the signature requirement it in fact in my view is aiding and abetting in criminal conduct
against its customers.
.
QUOTE 15-8-2014 email
The signature enabled card is provided to customer under certain mitigating circumstances .In relation to 5
your wifes inability to use the PIN, you can contact the nearest branch and they will assist her to
complete a form to order a signature enabled card for her.
END QUOTE 15-8-2014 email

I see no justification form my wife having to apply for a signature card as she should be 10
entitled to it in principle. By the bank placing this requirement it then would give it the
position it can violate legal provisions if my wife were to apply and is denied the same
because she would have implied recognised for the bank to determined conditions it may
set for a signature card entitlement. The bank could hypothetically required 10 specialist to
certify for a signature card, well aware that it would ordinary be beyond a persons 15
financial capacity to obtain 10 specialist as huge cost. It is not relevant if the bank requires
1, 10 of 50 specialist but rather that it set itself up to set conditions that could over time
escalate to impractical conditions. Hence it must be stopped from onset.
QUOTE
Subject Reference 09227778 FOS Case 369877
Sender Verma, Anita
Recipient admin@inspector-rikati.com
Copy info@fos.org.au
Date Fri 11:24
Dear Mr Schorel-Hlavka, 20

We are writing in reference to your concern regarding the use of a PIN number for your credit card. We
sincerely apologise for the inconvenience this matter caused you and I have personally looked into this for
you.
25
Your Concerns
You have advised that you use a Handy card for cash withdrawals but do not want to use a PIN for the
credit card.
You feel the bank is forcing you to use a PIN number for your credit card.
You inform us that your wife is unable to use a Pin due to medical condition and you have been asked to 30
provide a medical certificate to the effect to get a signature enabled card for your wife.
You want the bank to provide you and your wife with a signature enabled card.
Our Explanation
As part of an industry wide initiative to make Australias payment system safer, Visa, MasterCard,
American Express are phasing out the use of signatures to authorise most chip enabled credit and debit 35
card payments at EFTPOS terminals, and a PIN will become the main form of payment authorisation.
The Industry Security Initiative, a collective of Australias major financial institutions and card schemes,
confirms that PIN has become the main form of card payment authorisation in Australia starting from 1
August 2014.
40
PIN usage has been proven to decrease fraud due to lost or stolen cards when introduced overseas, and the
combination of a chip enabled card and a PIN is considered the highest security standard globally for
transactions where the card is presented at the point of sale.



73
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A 1
st
edition limited special numbered book on Data DVD ISBN 978-0-9803712-6-0
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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
The signature enabled card is provided to customer under certain mitigating circumstances .In relation to
your wifes inability to use the PIN, you can contact the nearest branch and they will assist her to
complete a form to order a signature enabled card for her.
We understand that you have been using the Handycard with PIN to transact on your account and
therefore should be able to use a PIN on your credit card. 5
While we appreciate that you are dissatisfied with these changes, it is in accordance with the industry
wide decision.
We respectfully decline your request to provide you with a signature enabled card.
What you can do next
I hope the above explanation clarifies your concern. 10
If you are not satisfied with this final response, you can contact the Financial Ombudsman Service on
1300 780 808, email info@fos.org.au or mail GPO Box 3, Melbourne VIC 3001. If you choose to pursue
this option, you will need to do so within 2 years of this correspondence.

Yours sincerely, 15
Anita Verma ,
Customer Relations Manager,
Customer Experience ,Australian Financial Services.
PHONE :02 9374 7258 FAX: 1300 655 858
GPO Box 5265 Sydney NSW 2001 20
anitaverma@westpac.com.au

Unless otherwise stated, this email is confidential. If received in error, please delete and
inform the sender by return email. Unauthorised use, copying or distribution is prohibited.
Westpac Banking Corporation (ABN 33 007 457 141) is not responsible for viruses, or for 25
delays, errors or interception in transmission. Unless stated or apparent from its terms, any
opinion is not the opinion of Westpac Banking Corporation. This message also includes
information on Westpac Institutional Bank available at westpac.com.au/wibinfo

END QUOTE 30

For the above (and also considering my previous correspondences to both Westpac bank
and Financial Ombudsman Services, I take the position that Westpac bank unlawfully and
by using deceptive/misleading conduct is denying me to continue to use my signature card.
35
This correspondence is not intended and neither must be perceived to contain legal
advice nor to refer to all issues/details.

MAY JUSTICE ALWAYS PREVAIL
(Our name is our motto!) 40
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit)
END QUOTE 20-8-2014

QUOTE 24-9-2014
Subject Dispute with Westpac Banking Corporation - Case Number 369877
Sender
info@fos.org.au
Recipient
admin@inspector-rikati.com
Date Today 10:57
369877_eFile_20140924.pdf 45


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A 1
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PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Dear Mr Schorel-Hlavla

Dispute with Westpac Banking Corporation
Case Number: 369877
5
Please find enclosed our assessment of your dispute with Westpac.

If you would like to discuss this dispute, please call on 1300 78 08 08 or email me at
info@fos.org.au and please quote your case number.
10
Regards

James Fazzolari
Dispute Officer
Financial Ombudsman Service 15

enc.
IMPORTANT
The contents of this email (including any attachments) are confidential
and may contain privileged information. Any unauthorised use of the
contents is expressly prohibited. If you have received this email in
error, please notify us immediately by Telephone: 1300 78 08 08 (local
call) or by email and then destroy the email and any attachments or
documents. Our privacy policy is available on our website.
END QUOTE

QUOTE 24-9-2014 20
24 September 2014

Mr G Schorel-Hlavka
107 Graham Road
Viewbank VIC 3084 25

By email: admin@inspector-rikati.com

Dear Mr Schorel-Hlavka
30
Dispute with Westpac Banking Corporation
Case number: 369877

I refer to your dispute with Westpac Banking Corporation (Westpac) and thank you
for your recent correspondence. 35

I have reviewed the information provided to me by yourself and Westpac, and I
understand that your dispute is about:

40
Westpac removing the option to use a signature for your credit card;

Your wife needing a signature enabled card on account of health problems;

You believe that signature authorised transactions are more secure than using 45
a PIN;



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A 1
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PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
A Westpac staff member incorrectly informing you that the removal of
signatures was a legislative change; and

You have found that some merchants no longer accept signature based cards
We cannot consider your dispute 5

The disputes that the Financial Ombudsman Service (FOS) can consider are set out
in our Terms of Reference. Your dispute falls outside our Terms of Reference.

The reason for our assessment 10

Westpac removing the option for signature enabled cards

FOS may refuse to consider if we consider this course of action appropriate,
including if the dispute relates to a Financial Services Providers (FSPs) practice or 15
policy and does not involve any allegation of either maladministration or
inappropriate application of the practice or policy.


Case Reference: 369877 20
Page 1 of 3

From the information provided it appears your dispute relates to the industry wide
move to phase out signatures as a verification method at the point of sale. This
initiative has been undertaken by Visa, MasterCard and American Express to make 25
card use safer for their customers.

Australian banks, including Westpac, have approached the Australian Competition
and Consumer Commission (ACCC) for approval to work together to phase out the
signature based authorisation of transactions. ACCC approved the transition to the 30
use of PIN.
FOS is a dispute resolution service. FOS does not play a role in regulation of the
banking and finance industry. The regulator of the banking and finance industry is
the Australian Securities and Investments Commission (ASIC).
35
This policy and its application to your accounts does not breach any specific
obligation owed by Westpac to you. Therefore we are unable to consider your
dispute about Westpacs policy to transition to the use of PIN rather than signature to
authorise a signature.
Merchants declining to accept signature based authorisation 40

You have said that some merchants no longer accept a signature to verify a
transaction. You say that Westpac is now obliged to fix the system so that all
terminals accept signature based cards.
45
FOS is not able to compel Westpac to review and change the PIN-wise system, and
we cannot compel Westpac to change how merchant terminals verify transactions.

ASIC is the regulator of the financial services industry and as such, it would be the
more appropriate organisation to review industry wide practices in relation to the 50
verification of transactions.


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PLEASE NOTE: You may order books in the INSPECTOR-RIKATI series, E-mail INSPECTOR-
RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati

Your wife needs a signature enabled card

In its correspondence to you dated 9 September 2014, Westpac offered to provide
both you and your wife with signature enabled cards, without the need to provide a 5
medical certificate.

As Westpac has offered to provide you with the resolution you sought when you
submitted the dispute, we will no longer consider this issue.
10
Case Reference: 369877 Page 2 of 3

Whats next?

If you have any information which may change our view, please write to me within 30 15
days. If I do not hear from you by DATE I will close our file and we will not consider
the matter further.

I have provided a copy of this letter to Westpac so that it is aware of our approach to
this dispute. 20

Our Terms of Reference

This assessment is in accordance with paragraph 5.2(c) of our Terms of Reference.
If you would like more information you can find our Terms of Reference on our 25
website at www.fos.org.au/about-us/terms-of-reference.

Other options

You may have other options with regard to pursuing this dispute. 30

The Australian Securities and Investments Commission (ASIC) regulates the banking
and finance industry and enforces financial services laws to protect Australian
consumers.
ASIC 35

Ph: 1300 300 630
Web: www.asic.gov.au

The Australian Competition and Consumer Commission (ACCC) assess complaints 40
about business practices and enforces business obligations relating to competitive
practice and consumer protection.

ACCC
45
Ph: 1300 302 502
Web: www.accc.gov.au

If you have any questions in relation to this email, please call me on 1300 78 08 08
or email me at info@fos.org.au and please quote your case number. 50

Yours sincerely


James Fazzolari 55


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RIKATI@schorel-hlavka.com See also www.schorel-hlavka.com blog Http://www.scribd.com/InspectorRikati
Dispute Officer
Financial Ombudsman Service

Case Reference: 369877 Page 3 of 3
END QUOTE 5

In my view if the ACCC did authorise the financial institutions to change the banking system to
deny signature usage and to force upon unsuspected customers the tap and go card system then
this is in violation to the rights of the age and the disabled and cannot be permitted to continue.
It is in my vied we totally irrelevant if the banks claim that it is safer to use a pin instead of a 10
signature where in reality the tap and go card now place customers at a greater risk and is to my
understanding deplored by the police as it aids criminals to c omit fraud. As such I view in that
respect it is also unlawful. After all it could be deemed to aid in criminal conduct.
Because I opposed this pin number system for months on end and the bank simply disregarded
my objections then this makes it even worse. As such any argument by financial institutions that 15
it could be costly to change the system back to accept signatures is I view nonsense, because it
should have considered all relevant issues and not blatantly disregard objections and legal
provisions. And as set out above Westpac was grossly deceptive in its conduct to me.

This correspondence is not intended and neither must be perceived to contain legal advice 20
nor to refer to all issues/details.

MAY JUSTICE ALWAYS PREVAIL
(Our name is our motto!)
Awaiting your response, G. H. Schorel-Hlavka O. W. B. (Friends call me Gerrit) 25