Anyone with a loan from Esanda, the lending branch from ANZ are at the hands of the biggest bastards in banking. Defaulting one $240 payment in 2003 due to loosing my job resulted in Esanda handing the dept to a dept collector resulting in a permanent black mark against my name for any future lending with any lending institution. At the time, I was forced to sell my vehicle to pay out the loan which is not something Esanda wanted me to do. They wanted to reposes the vehicle and force me to pay the shortfall. Esanda will without mercy kick you in the face when you are down on the ground. Further more they will keep kicking you even though you have paid them back every cent. I am now blacklisted from applying for any kind of loan for life. Thank you Esanda. Oh ..yes ..Michael Smith the fat prick CEO of ANZ with his $10,000,000.00 per year pay pack for ripping ANZ customers of to the tune of $6 billion per year, I guess non of this would even make you and your super wealthy board of directors turn your ugly heads you arrogant mother f#@ckers. Sociopathic control freaks… only way to describe them…