1 February 2019

His Excellency General the Honourable Sir Peter Cosgrove AK MC (Retd) Governor-General of the Commonwealth of Australia

Government House

CANBERRA ACT 2600

Your Excellency

In accordance with the Letters Patent issued to me on 14 December 2017, I have made inquiries and now provide the Final Report of the

Royal Commission into Misconduct in the Banking, Superannuation

and Financial Services Industry.

Yours sincerely [Signed]

Kenneth M Hayne

The central task of the Commission has been to inquire into, and report on, whether any conduct of financial services entities might have amounted to misconduct and whether any conduct, practices, behaviour or business activities by those entities fell below community standards and expectations. The conduct identified and described in the Commission’s Interim Report and the further conduct identified and described in this Report includes conduct by many entities that has taken place over many years causing substantial loss to many customers but yielding substantial profit to the entities concerned. Very often, the conduct has broken the law. And if it

has not broken the law, the conduct has fallen short of the kind of behaviour the community not only expects of financial services entities but is also entitled to expect of them.

Link: https://www.royalcommission.gov.au/sites/default/files/2019-02/fsrc-volume-1-final-report.pdf

Public Advocate Helen Edwards on LinkedIn

“AUSTRALIA 🇦🇺 I sent this to our armed forces in desperation as NOT ANYONE IN PARLIAMENT Chair Tim Wilson MP, GOVERNMENT, LAW ENFORCEMENT, MEDIA, LEGAL FIRMS – WILL HELP or LISTEN TO THE PUBLIC.

All complicit and culpable for the destruction of our country!

Dear Department of Defence – Army, Air Force, Navy,

Attention:

Mr Greg Moriarty – Secretary of Defence

General A. J. Campbell, AO, DSC – Chief of the Defence Force

LTGEN R. Burr – Chief of Army

AIRMSHL L. Davies – Chief of Air Force

VADM M. J. Noonan – Chief of Navy

Dear Sir,

Based on your Mission and Role below – I would like to raise the following with you as a matter of “Australian National & International Security”.

In short in December 2014, I raised with the Australian Federal Police (AFP) – money laundering, potential terrorist financing, counterfeit cheques etc. and that I had been blackmailed, extorted and sent death threats via email and phone for several years, I became trapped and lived a double life due to the fear and threats. I have since learnt I am one of tens of thousands over the past few decades.

The AFP phone response was – “oh yes this happens at least ten times a day, just change my phone & email and move on, but due to death threats a “criminal offence” to report to local Queensland Police and ACORN”. In which I did and can provide all complaint reference numbers since December 2014.

Since being fobbed off by the AFP, National Security Hotline etc and from the Governor General (GG) Peter Cosgrove down since 2015 – who the GG advised in writing that he could not get involved as it maybe a court matter or become one and advised me to call LIFELINE. He did not escalate to anyone and since ignored.

As I have not had anyone in a paid accountable responsible role, not any media, law enforcement or legal firm with help me either. I went public via Linked In in 2017 to seek international support and intervention to defend and save our country and people.

As the armed forces are accountable to the Commonwealth Parliament which represents (me) the Australian People, I would appreciate if you also raise with them on my behalf.

I have requested a private meeting with the Standing Committee on Economics – Tim Wilson MP Chair – he has acknowledged and fobbed me off due to the next election.

This also happened in 2015 when I raised with former PM Tony Abbott, Treasurer Joe Hockey – they acknowledged and fobbed me off. Then we had former PM Turnbull, Treasurer Scott Morrison – who also acknowledged me and fobbed me off end 2015. They have all since blocked me on social media.

As a concerned citizen for the safety my country and the world and it is your mission is to defend Australia and its national interests – I bring to your attention for consideration and action.

I will send a couple more emails to support all I report. Since going public I was asked to speak at another International Asia Anti Fraud Conference in Indonesia June 2018. I have now been asked to speak at a conference in Portugal April 2019 with other Prime Ministers and Presidents.

The world is watching Australia as a failed state. The criminals actually laugh at Australia. It is very embarrassing and a global disgrace.

I do have so many armed forces and other countries checking my posts out on Linked In.

Recently – NATO, US Coast Guard, US Navy, US Army, Australian Army, Australian Navy, US House of Representatives, European Council – to name a few.

___________________

http://www.defence.gov.au/AboutUs.asp

Who we are and what we do

Mission

The Australian Defence Force (ADF) is constituted under the Defence Act 1903, its mission is to defend Australia and its national interests. In fulfilling this mission, Defence serves the Government of the day and is accountable to the Commonwealth Parliament which represents the Australian people to efficiently and effectively carry out the Government’s defence policy.

Role

The primary role of Defence is to defend Australia against armed attack.

__________________

It would be an honour to meet with any of you to further update on my findings and evidence since early 2011.

I would appreciate an acknowledgement of this email and do hope and pray that the armed forces will step up for the safety of our country.

If this is not the correct email to send such information – please advise alternate ASAP.

Kindest regards

Helen Maxine Edwards

+61 4″

https://www.linkedin.com/feed/update/urn:li:activity:6498695583560273920?commentUrn=urn%3Ali%3Acomment%3A%28activity%3A6498695583560273920%2C6498721246392524800%29

Australia 🇦🇺 for the public record in desperation as you know I recently reached out to the Whitehouse & #potus.

I also reached out to our armed forces as our Temporary useless PM Morrison & Opposition Shorten have ignored me since 2015

The Australian Government, Regulators, Law Enforcement & Politicians are a complete failure.

Now today I read this article.

GEN Campbell also noted that there has been an “extraordinary up-tick” in cyber crime, which includes international espionage, economic theft and corporate crime,

and pointed out that the internet is

currently “ineffectively governed”.

From: Helen Edwards

Date: 4 January 2019 at 15:00:04 AEDT

To: yourcustomer.service@defence….

Cc: Ian Erskine

Subject: Reporting a matter of “Australian National & International Security” to Department of Defence Australia

Dear Department of Defence – Army, Air Force, Navy,

Attention:

Mr Greg Moriarty – Secretary of Defence

General A. J. Campbell, AO, DSC – Chief of the Defence Force

LTGEN R. Burr – Chief of Army

AIRMSHL L. Davies – Chief of Air Force

VADM M. J. Noonan – Chief of Navy

Dear Sir,

Based on your Mission and Role below – I would like to raise the following with you as a matter of “Australian National & International Security”.

Michael Noonan Thank You

https://www.defenceconnect.com.au/intel-cyber/3440-australia-s-military-chief-warns-europe-of-cyber-crime-dangers/amp

https://www.linkedin.com/feed/update/urn:li:activity:6498695583560273920?commentUrn=urn%3Ali%3Acomment%3A%28activity%3A6498695583560273920%2C6498698278895525888%29

INTERNATIONAL SECURITY PROBLEM – DECEPTION poss Treason – Australia 🇦🇺 let’s be fair to Judge Hayne. The “Letters Patent” came from Regina Queen Elizabeth II.

Now we know the banks drafted the FSRC letter for the Government – https://lnkd.in/fMHfar8

Who the Government then mislead our Queen to instruct Judge Hayne.

Which is turn the Government has LIED TO THE QUEENS SUBJECTS (US) – further DECEIT.

(This is deceit and is this now treason?)

The attached “Letters Patent” signed by two parties – the former PM TURNBULL & GOVERNOR GENERAL COSGROVE

BOTH PARTIES FULLY AWARE IN 2015 OF:

GROSS MISCONDUCT, MONEY LAUNDERING, POTENTIAL TERRORIST FINANCING, FRAUD AML/CTF BREACHES ETC

via Commonwealth Bank Australia Post Western Union since 2011.

TURNBULL FOBS ME OFF TO MORRISON END 2015 – MORRISON BLOCKED ME 2016

COSGROVE ADVISED ME IN WRITING TO CONTACT LIFELINE

Australian public seek international help

https://lnkd.in/f8qVGBv

COSGROVE DID NOT ESCALATE TO LAW ENFORCEMENT ETC

MMMM something very wrong here.

Letters Patent link below in comments.

https://www.linkedin.com/feed/update/urn:li:activity:6498687457700253696

INTERNATIONAL SECURITY PROBLEM. Australia 🇦🇺 is run by WHITE COLLAR CRIMINALS. Abbott, Hockey, Turnbull, Morrison, Cosgrove aware of gross misconduct by Commonwealth Bank Australia Post Western Union in 2015.

Shorten aware 2016.

It is a revelation that underscores the close relationship between the major banks and the Government.

When the heads of the big four banks wrote to the Federal Government, reluctantly calling for a royal commission into their industry,

they asked the Treasurer to vet a draft of their letter, documents released under Freedom of Information have revealed.

National Australia Bank chairman Ken Henry — a former Treasury secretary — sent an email to the then-Treasurer, Scott Morrison, on Nov. 29, 2017,

with a draft version of the banks’ letter signed by the chairmen and chief executives of the big four.

“Dear Treasurer.

Further to our discussions, attached is a draft letter sent on behalf of the major banks. This remains subject to final approval,” Dr Henry wrote.

A final version of the letter was sent the following day — with a single, minor change to the wording —

and the Turnbull Govt. immediately responded by announcing it would call the royal commission

For years, the banks and the Coalition had steadfastly opposed a Royal Commission.

https://mobile.abc.net.au/news/2019-02-05/big-banks-ask-government-to-call-short-royal-commission-letter/10778928?pfmredir=sm&section=business

https://www.linkedin.com/feed/update/urn:li:activity:6498687457700253696?commentUrn=urn%3Ali%3Acomment%3A%28activity%3A6498687457700253696%2C6498688611129655296%29

Morrison deny this! The former Australian Prime Minister – Malcolm Turnbull acknowledged my formal complaints of money laundering, potential terrorist funding,

AML etc breaches by Commonwealth Bank Australia Post Western Union 3rd December 2015 and fobbed me off to Treasurer – Scott Morrison.

Morrison did eventually only acknowledge me here on Linked In and asked I send all evidence via his Ministerial site in which I did. Three weeks later he blocked me on here and after several calls to his office has never responded since.

These are not leaders and they do not care for our people or world safety.

Hence why I escalated to PETER COSGROVE – Governor General – who advised me to contact LIFELINE and said he could not get involved as maybe a court case or may become one.

Now not ONE LAW FIRM, REGULATOR, MEDIA or LAW ENFORCEMENT in Australia will stand up for the public.

Australia seeks International legal representation with the intent of taking our failed corrupt government etc to the International Criminal Court in The Hague.

https://www.linkedin.com/feed/update/urn:li:activity:6498687457700253696?commentUrn=urn%3Ali%3Acomment%3A%28activity%3A6498687457700253696%2C6498688757741555718%29

Australia “WE HAVE BEEN INFILTRATED FROM WITHIN” Interesting that in desperation I had to escalate my International Security Problem of International Organised Cybercrime to our Military now incompetent Pyne – Minister of Defence mentions it – per my articles & emails below.

Minister Pyne was clear in identifying that while the Australian gov. was not actively seeking conflict, it was committed to developing a credible force to deter coercion against Australia or her national interests throughout the region

This commitment also extends to countering the rising challenges presented by asymmetric threats,

organised criminal organisations

and cyber security threats.

From Sarah Bell Bagguley on my Morrison should go post. Thank you Sarah.

This is the risk in electing a party into office.

You are electing the party – not just the “face” of the party for potentially 4 years.

When in power, that party has the right to overthrow the prime minister, rearrange ministers and completely ruin the country.

Look into the party and it’s ministers before electing the party, because you’re essentially inviting them into your home for the next 4 years to invade your life with horrendous agendas that can affect you, your friends and family.

Australia 🇦🇺 out those who failed

https://www.defenceconnect.com.au/key-enablers/3481-pyne-outlines-australia-s-plan-for-indo-pacific-region/amp

https://www.linkedin.com/feed/update/urn:li:activity:6498695583560273920?commentUrn=urn%3Ali%3Acomment%3A%28activity%3A6498695583560273920%2C6498698410462449664%29

Public Advocate Philomena Grady

http://linkedin.com/in/philomena-o-9591029a

Christopher Pyne this case has been ongoing for nearly a decade with all and sundry ignoring the National & International Security ramifications.

Are politicians aware that fraudulent bankers and the banks that continue supporting them have the potential to be utlilised by Terrorist networks OR is the cosy relationship with the banks profitability more important ?

https://news247worldpressuk.com/2017/10/24/breaking-news-philomena-ogrady-decades-of-negligence-corruption-and-conflict-of-interest-within-australias-financial-markets-who-is-accountable-when-banks-compromise-another-ju/

https://news247worldpressuk.com/2019/02/04/philomena-ogradyongoing-culture-of-toxicity-and-corruption-within-australias-financial-markets-and-lack-of-ministerial-accountability-continues-to-jeopa/

Your office was contact numerous time as were other Ministers – ALL ignored

Shortfall in strategic analysts but Govt continue to age discriminate and employs graduates for these positions – NO WONDER NOBODY COULD SEE THE NATIONAL / INTERNATIONAL SECURITY RAMIFICATIONS ! 

Helen Edwards 

https://www.linkedin.com/feed/update/urn:li:activity:6498695583560273920?commentUrn=urn%3Ali%3Acomment%3A%28activity%3A6498695583560273920%2C6498702248225443841%29

Sally McManus – Secretary of the Australian Council of Trade Unions

EXPOSED: ACTU uncovers secret letters between the big banks and Scott Morrison

Tweet (Video): https://twitter.com/sallymcmanus/status/1092644598256562176?s=21

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