If
you want to find out how to stop the banks
from taking advantage of you through errors
and faulty systems, then keep your eyes
glued to this page for the next 3 minutes;
you are in for some shocking surprises.
The
banks have probably already overcharged you
many times this year without even knowing
it!
Look at the money
some of our clients have found.
"I have found errors in
some cases over
hundred dollars on my
monthly statements,
..... which has added up
to
over $14,000.00.
Thanks for the program"
Grant Redding -
Nerang, QLD.
"I have now been reimbursed
the exact amount of discrepancy
I had found using your program
of
$7,563.04 plus
reimbursement of the cost of the
package against my loan."
Ann-Maree Enders -
Kingsley, WA.
"I
have checked 2 mortgages and I
have another 8 or 10 loans to
go.
So far I have found an
overcharge of $5,156.29 and then
$684.98 for compounded interest.
The loan started in September
2002 and is still in place. So
thank you for the programme, it
will help make my money work for
me rather than be used by the
bank free of charge.
This product sure is a real
winner."
Edward Nixon - Hahndorf,
SA.
“Your software has uncovered
overcharging by my bank to
the tune of almost
$1,300
just for the last two years.
Like so many others, I had
assumed the Bank would get the
figures correct.”
Mike V - Bungendore, NSW.
"We found a
discrepancy of $8,643.00
on our fixed loan and this has
now saved us $33,000 over
the life of our loan."
I
don't know about you, but I work hard to pay
off my mortgage as quickly as possible. Then
to have the bank make mistakes and
incorrectly take money from my account is
not only unfair, but insulting.
I
never considered it necessary to check the
calculation of my bank statement. I didn't
think there would be a need. I couldn't have
been more wrong. Every day people are
receiving bank statements in the mail for
their mortgages, saving accounts, personal
loans and overdrafts that they assume are
correct, but they are totally mistaken.
Do
you actually believe your bank .... or non-bank
lender ..... would never make a mistake on your
account?
"Banks
do make mistakes with mortgages.
And very
few are in the customers favour."
- Prue
Moodie, Australian
Financial Review
Here's
what the experts have to say.
"It
would be naive to think there's
such a thing as a perfect system,
and that mistakes will never
happen. Mistakes are a fact of
life and I am not suggesting that
banks intentionally do anything
wrong…..
–
Paul
Clitheroe -
Host of Channel 9's Money show and
chief commentator for Money
magazine
"The
era of trusting the banks has long
gone."
–
Justice
Clarke,
New
South Wales Supreme Court.
"Banks
get almost every interest
calculation on mortgages and
overdrafts wrong at some
point." -
Roy
Brown Managing
Director of Interest Research
Bureau (IRB).
I
can't believe how totally naive I had been,
just accepting that the banks never actually
made a mistake and my statements
were 100% accurate. Now surely these mistakes are
just tiny errors involving a few cents here
and there? Well guess again.
Banks Are Making Mistakes On Accounts
Just Like Yours .... Every Day.
More Customer Horror stories.
"Since I started using the MortgageWatchdog software,
I've found
month-to-month discrepancies of up to $3,000 a month."
Gregory Dominish,
Beacon Hill, NSW.
"15 years ago a bank forgot
to credit our account over
$5,000.00 which we
deposited. I only found out by
going through our statements
myself, then a few months ago my
husband deposited $800.00 cash
into our bank and after again
going through our statements I
found there was no record of
that deposit, after phoning the
bank, it turned out that
they mistakenly put the $800.00
into another persons account!
This could happen to anyone.
Thankfully we got our money back
and an apology ... but a simple
apology doesn't seem enough when
it involves such large sums of
money.
"15 years ago a bank forgot
to credit our account over
$5,000.00 which we
deposited.
This could happen to anyone.
Thankfully we got our money back
and an apology ... but a simple
apology doesn't seem enough when
it involves such large sums of
money.
Janine Thurgood -
Ocean Shores, NSW.
"We had been concerned about our
loan for a while - there seemed
to be a number of strange things
happening. MortgageWatchdog
found that because of an error
on our offset account,
we had been overcharged
$3,517.57 and this was on
a loan that is only $66,000 and
was only over a 10 month period!
MortgageWatchdog also calculated
that we were owed an additional
$136.74 in compounded interest
on this error - so, a total of
$3,654.31. We also found a
second error where some
repayments had gone to the wrong
place - this was another
$5,830.00.
So, the total
error came to $9,484.31 - all in
only a 10 month period.
If
these errors had not been
detected, we would have paid
approximately an extra $55,000
in interest over the life of the
loan".
If you are like many people you may be
tempted to think that "this can't happen to
me" or that this "isn't a real problem and
it's being blown out of proportion." Before
you make that mistake think about this.
Recently a major Australian bank found they
had overcharged fees on 55,000 customer's
accounts and it totalled $52,000,000.
That's right $52 million dollars.
That's an average of $945 for each person.
What I find pretty amazing about this
is that the bank found the problem NOT
the customers. That means that fifty five thousand people
didn't notice the
best part of one thousand dollars missing
from their bank account.
You may be thinking "I know I'd sure notice
$1,000 missing from my account." ... but I
am willing to bet you $200 right now that if
you called those 55,000 people mentioned
above they'd have said exactly the same
thing before the bank informed them of the
little blunder they made on their account.
So why didn't they notice the $945
overcharges?
The problem is that bank statements can be
difficult to read and are not always what
they seem. Some of the errors are very
difficult to locate if you don't know what
to look for.
"[In
accounts for over 20 of my clients]
I have discovered overcharges in
approximately 75% of cases. The
total of all mistakes, including
overcharges of interest, fees and
other irregularities amounts to over
$500,000"
–
Joe Naggy former Citibank
executive now runs Midmark Financial
Services
“The
incidence of error is extremely
high. We recently checked 282 normal
statements and 152 of those were
incorrect. It really is alarming.”
-
John Scilly
former executive with Advance Bank
“A
recent survey of bank statements
conducted by The Interest Savers for
Sydney Morning Herald readers showed
an error rate of 54%, ....... The
Herald's switchboard was jammed for
a week by callers wanting their
statements checked.”
-
Journal of The Institute of
Chartered Accountants in Australia
"The
bank statements are never
clean, [citing the experience
of some 350 clients since IRB opened
in 1994]. "Significant
errors" occurred in 90% of
statements.." -
Roy Brown
Managing Director of IRB
“We
strive for quality in everything we do, but banking
is done by humans and sometimes there are
mistakes. (Head of corporate relations for
National Australia Bank)”
Australian Financial Review
“The
Bank has admitted that a large part of hundreds of
interest charge calculations could be wrong…“Colonial
State said the banks’ experts had looked at the
disputed interest calculations, admitted there
were errors …and were now looking at quantifying
that overcharging.”
The Sydney Morning Herald
“The Bank of New Zealand, a subsidiary of the
National Australia Bank, has sent letters to 1700
customers apologizing for overcharging fees on
their deposit accounts. The bank said processing
errors caused by a computer glitch led to the
accounts being overcharged.”
Australian Financial Review
“The bank (National Australia Bank’s Irish
subsidiary) revealed it had also reimbursed several
customers undisclosed sums of money after the
investigations uncovered a ‘system error’ which
led to some borrowers being charged incorrect
interest rates.”
Australian Financial Review
“The National Australia Bank has apologized to a
leading economist who claimed extra fees on his
loans were a “systematic rip off.” (The
economist) discovered a $512 “overdraft/line service
fee” wasn’t in his original mortgage contract, and a
$288 charge when he closed the loan. He also
challenged a $10 monthly account keeping fee when
the contract said it was only half that.” A National
Australia Bank spokesman…said the problem arose
because the wrong code was put into the computer.”
The Sun Herald
“The giant ANZ banking group in
Australia has agreed to pay compensation to certain
customers…conceding that it had overcharged
thousands of customers.”
The Australian
“The National Australia Bank’s
Irish subsidiary will reimburse $302,000…following
the findings of two investigations into
overcharging on accounts”
Australian Financial Review
There
is a way to keep the banks honest. We
now have a simple and powerful tool to check
our bank statements quickly, easily and most
importantly 100% accurately - Mortgage
Watchdog.
But
is it worth it? How often do these mistakes
happen? Unfortunately, it is far more often
than you would think.
A
former Commonwealth Bank officer, Martin
McKenna, has found that ...
only
one in 70
cases he has examined involves
the undercharging of interest
the
other 69 have all been overcharged.
That
gets you thinking about these
"mistakes" when it favours the
lender that much doesn't it!
"The
average error is about $242 per monthly statement.
Hundreds of thousands of Australians
are potentially affected” The
Daily Telegraph
Staggering
isn’t it? When I discovered the rate at which banks made
mistakes I was stunned but assumed it must have just been
a few dollars here and there; $242 dollars per monthly
statement is incredible.
So
what does this all mean? What does it add up
to? You do your own sums, but here is what the
statistics (and the most conservative ones at
that) had me thinking when I first discovered
them ...
Annual
statements: 12
Statements
with errors: 6 (12 x 54%)
Mistakes
in lenders favour: 84%
Number
of statements with errors in banks favour: 5
(6 x 84%)
Average
monthly statement error: $242
This
tells me that on averagethe interest
they overcharge in one year on your loan
account is $1,210.00Ouch!
Don't
get angry, get even..... get back what they
owe you.
There
is something you can do about this, you don't
have to be a helpless victim of the banking
system. Average homeowners around Australia
are getting their money back from the banks
every day. There are thousands of real life
examples of people who have been over charged
and been repaid anything from $500 to
$130,000.
You may remember these stories that made the
newspapers.
The Sun Herald - George De
Costa - Petersham Accountant. Had his
statements checked and found he was
overcharged $26,500.
Daily Telegraph - Grahame
Hostein - Glouster NSW Checked his loan
and
discovered he was owed $130,000.
"I all the time had a
feeling that my home loan
bank statements were
incorrect. I did not know
how to calculate or prove
that there are discrepancies
until I heard about the
Mortgage Watchdog program. I
found the software easy to
use and I discovered that my
bank owes me around $500."
Barak - Canberra, ACT.
"....I am due a refund of
approximately. $5,000.00. Which
will do nicely for my overseas trip I am planning next March."
Angela
Fulton - Reservoir, VIC.
"I found that I had been
overcharged $2,200 by my
bank. When I presented them
with the figures produced by MortgageWatchdog the
refunded me the money the
money they owed me."
Kylee Page - Winston
Hills, NSW.
"Thanks everyone.
I've just found $1,100.00 over the
last 3 years owing to me from
my bank in overcharged interest on a
home and investment loan. They
were totally shocked with being
caught!"
The
bad news is that knowledge is a dangerous
thing. Knowing what you now know, you have to
some extent cornered yourself into making an
important decision. You will decide one
way or another how you are going to deal with
it. Before leaving this page you will select
one of the following alternatives...even
if you think you haven't decided.
Option
1:
The
first alternative is to either
"think about it" or continue
doing nothing and have the banks take
advantage of you to the tune of
$1,210 a year on average. I suppose
this is the ostrich approach, stick
your head in the sand and hope it goes
away, good luck with this one, you're
going to need it.
Option
2:
Pay
a bank statement checking company
(like IRB mentioned above) to check
for you. The interesting thing to note
about these companies existence is
that obviously bank errors occur often
enough for these guys to make a pretty
healthy full time income (keep that in
mind if you are leaning toward the
option above). The down side is that
they charge $55 per monthly statement
to check for you and a 20%
"success fee" on the
bank’s refund. So the costs you are
looking at are $55 x 12 = $660 plus
$1210 x 20% = $242(20%
of the refund)Total Cost = $902 each year.
Option
3:
Ask
the the very people who got it wrong
in the first place - the banks - to
check your statements for you.
Generally they charge $200/hour
to do this for you. Ask yourself this
question, "why would I trust them
to get it right this time if they
couldn't before?" Isn't this a
bit like putting the fox in charge of
the hen house?
Option
4:
Use
a dedicated piece of software using
the internationally accepted formula to
calculate your interest bill to check on the banks for you
.... for less than the banks' hourly rate.
It
is a bit of a "no brainer" isn't it?
The Mortgage Watchdog software is by
far the most cost-effective solution
available.
To do nothing is either
naive or nuts, as is paying the bank to check
your statements for you. Paying a firm to do
it for you isn't a bad option but if you want
to dig through 6 years worth of statements at
$55 a month you are looking at $3,960 plus 20%
of the overcharges they find. Why not use
the same kind of software these firms use to
find banking errors every day for
a fraction of the cost?
Undoubtedly
you will have seen
countless exposés about the banks
on TV programs including Channel 7's "Today
Tonight", Channel 9's "Money" and "a Current
Affair", plus The ABC's "4 Corners", "7.30
Report" and "Sunrise".
Click the play button below to watch a short
YouTube video of A Current Affair looking at
bank errors.
If you're wondering how difficult the program is
to use please read on.
The
software was made for non-computer users so it
is very easy to use. You just type in the
start and ending dates of your statements, the
interest rate (or several interest rates if
the rate changes during the month) and the
changes in the balance of the account and the
software does the rest. Click
here
to open a window to see just how easy
it is.
"From a data entry point of view I
loved the system. It was very simple to understand and the best part is
the program creates a letter to send to the bank, which I did.
6
weeks later the bank sent us two cheques, one for the Husband and one
for me. The total we received from the bank was $4,000.00.
Best
investment I have made all year. Thank you MortgageWatchdog."
Mychelle Morrissey and Gus Mulder
- Wattle Grove,WA.
"I would like to thank you for
such an easy software package
which is very user friendly"
Irene James -Greenbank, QLD.
I
got a few bank accounts with CBA.
After seeing with
MortgageWatchdog that we can
claim back our overdraft
charges, we straight away use
the software to generate
letters. As a result, CBA
refunded us back about $180.
That is pretty NEAT, just
about
4 minutes job to check the
statements & use the software to
generate letters & mail it to
the bank.
The software can check all sorts of
accounts for you, off-set accounts, lines of
credit, variable home loans, any type of
account no matter what fancy name your lender
gives it. We are yet to find an account we
cannot check. Click
here for
a list of accounts the Mortgage Watchdog
software can
check.
“A
mistake at the beginning could prove pretty
expensive over the long term” Paul
Clitheroe
- Host of Channel 9's Money show
and chief commentator for Money magazine
"I
used the MortgageWatchdog software
to check 2 years of my loan and
found errors of $353.51 (and this
was on a very small loan of only
$50,000). I then used the built
in Mistake Compounder and I am
delighted to say that
the bank has just deposited
$1,250.00 back into my account to
reimburse me for their error."
Jouko Hakola - Eight
Mile Plains,
QLD.
"Hi Dave - fantastic software,
easy to understand and to use.
The software was well worth the
investment as I found the bank
has
overcharged me about $1,200
over two years".
One
of the most powerful features of the software
is the Mistake Compounder. It is great to find a $300 error on
your statement from 10 years ago and even
better to get the money back. What
most people don't realise however is that it
is probably less than half the money you are
actually entitled to. In addition to
the money taken from your account interest
has also been charged on this money -
compounding every single day for the last
ten years. With the Error Compounder
you can now chase every cent you are entitled
to.
Now
I am sure you are probably thinking, "can't
I do the same with a spreadsheet?"
Yes, some people may be able to but firstly
you must be sure you are using the right
formula and secondly you will need to know how
to do some pretty complicated programming to
make sure it's accurate.
So even if you could do it, why waste the time
and effort when we have gone to all the
trouble for you?
I
just found the compounder and over 5
years
the bank owes me nearly
$1,000.
The biggest error, found in the last
statement was $470 so I am very
happy. Have another 2 loans to enter
yet!
Jacqui Smith - VIC.
"Thank you for your programme. It
really opened my eyes to see how
some reputable banks make errors or
known errors in their calculation of
interest. .... I found over
$500 of errors on interest
calculations. I provided the
bank with the calculation my
Watchdog programme and I was so
furious, that I called my client
bank manager to discuss this issue.
... he did say he will follow up and
if any errors occurred they would
credit my account with the
difference.
By way of example of the errors
incurred. I will share the following
scenario with you.
Bank Loan: $400,000
Interest: 7% calculated daily
Bank Calc
MortgageWatchdog Calc
Diff
March 07
$2390
$2378
$12
Feb 07
$2301
$2147
$154
Just in two months, errors of
$166. I need basically to
employ someone to go back the last
five years, as I have lost all
confidence in banks and how they
just really do not care about you
only what they can get away with.
It's not right.
We are frequently asked "will the banks
actually give me my money back?" The answer
is of course they will ... as long as you
can prove to them that they have made
a mistake.
The banks actually want to correct their
mistakes and give you your money back.
Recently
Mr Haydn Park,
the head of corporate relations of a major
Australian bank has said "When someone comes
to us and says ‘You’ve
done something wrong, then we don’t quibble,
we do something about it."
Arthur Delbridge a spokesman for the
Australian Bankers Association said the
banks are
"always obliging when it came to refunds."
But if you don't check your statements and
find the errors to show the banks where they
have gone wrong you will never know just how
much you have been overcharged.
"... I wrote to the bank using
MortgageWatchdog's letter generator and the bank not only paid up the
money I asked for, they were honest enough to find errors going back
further and paid me over $500. A pretty good investment as far as I'm
concerned"
Ian Cowden - Birkdale -
QLD.
"I also have to say that the Building Society in
question have been really good to us in the past and when
I told them of
the payout error they apologised and refunded amounts immediately which
was $771.84.
I really would not have thought to even look at the
statements if I had not had 'Mortgage Watchdog' in the back of my mind
so thank you."
Sharon Horton - Thornton, NSW.
"Your
home mortgage is the biggest
investment you will every make in
your life. Why wouldn't you take
some time to make sure that it is
right. At the end of the day it
is your money and you are entitled
to get it back."
David
Niven - Lawyer specialising in
fighting legal battles with the
banks. As seen on A Current Affair.
No
other program we have tested can make this
claim.
With your Mortgage Watchdog software not
only are you guaranteed to find errors in
your bank statements (see below for details)
but we also back this up with a "100%
accuracy guarantee".
The
Mortgage Watchdog software uses the
internationally accepted formula for the
calculation of bank interest. As
a result the banks have to take the results seriously; they have to
accept the print-out which means you will get
your money back.
Why is this guarantee so important?
There are a few other pieces of software on
the market that "claim" to be
accurate, we know about them because we have
checked them all out. We checked them
because wanted to
make sure that you have the very best tool
available to get your money
back from the banks.
That's why we are prepared to
GUARANTEE the results you will get
with our software (you will find that no
other software will actually guarantee you
results .. and why do you think that
is?)
Everyone knows that "you get what you pay
for". Why would you risk what is potentially
thousands of dollars of your own money on
some piece of "free ware" that you got off
the front of some magazine? Exactly, it just
isn't worth the risk (and embarrassment) of
it getting it wrong.
Every other piece of software we have
checked has fundamental mistakes built
into it.
How embarrassed would you feel if this
happened to you? Imagine turning up at the
bank, ready to claim your hard earned money
back, statements in hand and software print
out in hand only to have a junior bank
teller point out that your supposedly
"accurate software" can't actually add up
3 numbers correctly or that your
compounded interest calculations are based
on the wrong time cycle.
Don't think this can happen? I can show you
that it happens.
Click here to see a screen
shot of one of them. I don't know about you
but in my book 27 + 27 + 27 = 81 .... what
bank teller on earth will take you seriously
... no matter what evidence you show them or
what letters you have ... if you turn up
with software that thinks that
27 + 27 + 27 =
82?
Exactly you will be laughed out of the bank.
We don't just
claim our software is accurate, we
GUARANTEE it. If you ever find errors in
our software we will refund your money in
full immediately no questions asked.
As
we said above the Mortgage Watchdog
software is
only a fraction of the cost of the other
alternatives. It is a very affordable
$198$159
inc GST
Important Update:
When we found out about these
alarming statistics and then heard about
this amazing product, we just had to let
you know about it. Best of all Mortgage
Watchdog is offering you an awesome
deal. They say that if you don't find
errors in your bank statements
they will pay you $250 for wasting your
time ... that is how confident they
are that you have errors sitting there
in your statements waiting to be found. And what's more, we
have successfully negotiated a 20%
discount off their software for you
as we believe this software is a "must
have" for anyone with a loan.
Average that out over the year that is
$3.06 a week ... a cup of coffee + a
newspaper costs you more than that.
"Thanks Legends... Got my CD Today,
ran it for a 4 month period tonight
and it has paid for itself
already!!!!!
Looks like I'm going to be busy for
the next few days/weeks going
through all my old statements.
Without a doubt, the best god damn
software I've ever used. Could not
be happier!!!!"
Steve McCarthy - St Clair, NSW.
Listen to Lucinda's
$2,012.00 Refund Story:
Click
the image above to see Lucinda's
full statement.
"6
months later after updating my
details in your program I found the
missing money and the bank credited
$2012 to my home loan. Certainly
nothing to be sneezed at with the
recent interest rate hike"
Lucinda, Everton Hills,
QLD.
"I
have found a mistake in the
first month of my loan! $97.00.
Thank god for your software!
Imagine that over another 30
years. Well worth the money
spent!
Thanks again too for the
brilliant software. Am trying to
get all my friends and family to
take a look at it!"
Check with your accountant but this software
is probably a tax deduction that you can
claim this year. Depending on your tax
bracket this software can cost you a little
over $80.
Check with your accountant but this software
is probably a tax deduction that you can
claim this year. Depending on your tax
bracket this software can cost you a little
over $80.
Finally,
because we really want this discount price to
increase our sales, we are throwing in six
exciting Free Bonuses if you order
online by Monday November 24, 2008.
Please Note: All Bonus Items are digital
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