Re: NOTICE TO RESERVE BANK OF NEW ZEALAND – PRUDENTIAL ALERT & SYSTEMIC MISCONDUCT

Treasury,

Thank you for your response.

Your referral to the Banking Ombudsman is noted, however it is misplaced.

The matters raised in my Notice are not complaints about a single bank, nor are they “industry issues.” They are systemic fiduciary failures occurring under Treasury and Reserve Bank oversight, including:

• altered digital banking records,
• unauthorised access to beneficiaries’ accounts,
• misuse of AML flags resulting in defamation,
• forced mortgage actions without lawful process,
• councils extracting money through banking channels without court orders,
• refusal to disclose insurance or indemnity,
• and widespread regulatory non-compliance across multiple licensed institutions.

These are prudential, supervisory, regulatory, and indemnity failures.

The Banking Ombudsman is not the competent authority for:

• multi-bank systemic misconduct,
• insurance and indemnity failures,
• forced extraction of rate payments without orders,
• predatory mortgage actions,
• falsified or altered transaction records,
• unlawful access of accounts,
• or coordinated administrative harm to those born here.

The Banking Ombudsman has no jurisdiction to audit, direct, or discipline Reserve Bank-licensed entities or councils.

This is expressly a Treasury and Reserve Bank governance matter, not an industry-service complaint.

For clarity:

This is a Prudential Alert and a Systemic Misconduct Notice issued under the InLandsAirWater Counsel – Private Trust.

It must be escalated to the appropriate internal team for supervisory action, not referred downward.

Accordingly, I now require:

1. The name of the Treasury officer and internal team responsible for systemic risk, prudential oversight, and indemnity compliance.
2. Confirmation that Treasury will open a supervisory review regarding the failures outlined in the original Notice.
3. Disclosure of Treasury’s insurance, indemnity, and liability framework that applies when regulated entities cause financial harm through administrative or operational breaches.
4. Confirmation of the statutory or contractual basis upon which Treasury believes it can decline a Prudential Alert and redirect it to an industry dispute body.

As stated previously, multiple beneficiaries have already suffered measurable harm, including unlawful account interference, blocked payments, and forced mortgage actions. This requires immediate attention, not referral.

Please confirm escalation within 5 working days.

Tracy Lynch

Attorney – InLandsAirWater Counsel – Private Trust

PO Box 265, Queenstown

 

On Nov 26, 2025 at 12:41 PM, <Ministerial Services Inbox [TSY]> wrote:

Kia ora,

 

Thank you for emailing the Treasury.

 

As the concerns you have raised relate to the practices of the banking industry, we encourage you to raise them directly with the Banking Ombudsman. Their contact details can be found at: www.bankomb.org.nz/make-a-complain.

 

If have already raised this with the Banking Ombudsman, and do not believe they have addressed your concerns, you may wish to complain about their practices here:  www.bankomb.org.nz/about-us/complaints-about-our-service.

 

Te Tai Ōhanga The Treasury

treasury.govt.nz | LinkedIn | Youtube

 

 

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From: F Q <[email protected]>
Sent: Friday, 14 November 2025 5:05 am
To: RBNZ Info <[email protected]>; Ministerial Services Inbox [TSY] <[email protected]>
Cc: Da <[email protected]>; barbara stirrup <[email protected]>; Karen B <[email protected]>; 105 <[email protected]>; Records <[email protected]>
Subject: NOTICE TO RESERVE BANK OF NEW ZEALAND – PRUDENTIAL ALERT & SYSTEMIC MISCONDUCT

 

NOTICE TO RESERVE BANK OF NEW ZEALAND

PRUDENTIAL FAILURE • SYSTEMIC MISCONDUCT • UNLAWFUL ENFORCEMENT

ILAW – NATIONAL ALERT (MULTI-BENEFICIARY)

 

Greetings

 

This notice is issued bluntly and without apology.

 

The Reserve Bank of New Zealand is now formally notified of a nationwide pattern of banking misconduct, unlawful mortgage actions, and financial interference carried out under your regulatory watch. Multiple beneficiaries across the InLandsAirWater Counsel – Private Trust have experienced financial harm, document manipulation, and unauthorised access by banks operating under RBNZ licence.

 

This is no longer a single case. This is systemic failure.

 

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CRITICAL MISCONDUCT ACROSS MULTIPLE BANKS

─────────────────────

 

1. ALTERED ATM / ELECTRONIC RECORDS

We hold screenshots including ATM receipts where amounts were later CHANGED by the bank.

This is a data integrity breach, possible manipulation, and operational controls failure.

 

1. FALSE “SCAMMER” CLASSIFICATION AGAINST THE TRUST

Banks have falsely labelled the Trust or its beneficiaries as “scammers,” refused to retract, and then withheld money based on their own incorrect designation.

This is defamation, misuse of AML flags and conduct risk failure.

They did not know we had already contacted them because their own internal communications are incompetent.

 

1. UNAUTHORISED FINANCIAL INTERFERENCE

Banks have blocked outgoing payments, stopped incoming funds, and ALLOWED external entities to remove money from accounts without:

 

• consent
• disclosure
• contractual authority
• due process

 

This is unlawful access, fiduciary breach and  regulatory non‑compliance.

 

1. COUNCILS FORCIBLY TAKING RATE MONEY WITHOUT AUTHORITY

Councils are accessing people’s bank accounts for rates that are DISPUTED, without any lawful court order or due process.

This is being done through banking channels under YOUR supervision.

It constitutes forced extraction, unauthorised debit, and  financial coercion.

 

1. MORTGAGE SALES WITHOUT DUE PROCESS (MULTIPLE CASES)

We have multiple cases where banks have:

 

• issued mortgage defaults without valid disclosure
• refused to provide insurance details
• refused to release loan records
• allowed lawyers to operate as DEBT COLLECTORS
• forced mortgagee sales for as little as $2,000
• resulting in hundreds of thousands in property loss

 

This is predatory enforcement, abuse of power, and  regulatory negligence,

 

1. LAWYERS ACTING AS DEBT COLLECTORS FOR BANKS

Lawyers are operating as unregulated debt collectors, outside Commerce Commission rules, using the banking system as a weapon.

There is ZERO due process, ZERO oversight, and ZERO accountability.

 

──────────────────────

THIS IS A SYSTEMIC REGULATORY FAILURE

──────────────────────

 

Across all cases, the pattern is identical:

 

• altered documents
• unauthorised withdrawals
• blocked payments
• refusal to disclose insurance
• misuse of AML flags
• predatory mortgagee action
• councils taking money without orders
• banks communicating with the wrong parties
• vulnerable people financially harmed
• Trust beneficiaries labelled incorrectly
• no due process anywhere

 

This is not random.

It is structural, systemic, and dangerous to public confidence.

 

──────────────────────

DEMANDS TO RESERVE BANK OF NEW ZEALAND

──────────────────────

 

1. Immediate supervisory investigation across ALL banks involved.
2. Freeze ALL mortgagee sale actions connected to these cases.
3. Identify ALL external entities accessing beneficiaries’ accounts.
4. Require full digital audit logs (AML notes, fraud flags, access logs).
5. Require all banks and councils to disclose insurance (PI, Liability, D&O).
6. Immediate correction of false “scammer” flags.
7. Full compensation for all beneficiaries harmed.
8. Issue a public statement acknowledging supervisory review.

 

You cannot continue to ignore this.

The pattern is too broad, too consistent, and too damaging.

 

Regards,

InLandsAirWater Counsel – Private Trust

Attorney: Tracy Lynch

PO Box 265, Queenstown