On February 27, 2009 I met with Commonwealth Financial Planning Limited's (CFPL) Mr Simran Dhillon and before I signed my 2009 Investment Agreement he asked if I was willing to pay 'Adviser Service Fees Ongoing'. I refused to pay these fees which Mr Dhillon noted on Pages 13, 23, 29 and 30, together with Page 32 which applies to Page 40. When I requested a copy of my Agreement from CFSIL, these pages were never sent to me! However, when CFSIL received my signed Agreement it immediately set up a Transaction Account and started charging 'adviser service fees ongoing' from 2009 to 2016. I was unaware of these charges because CFSIL only sends copies of half-yearly Investment Statements to its customers, not copies of Transaction Accounts which you have to get online and can be difficult for me as I have macular degeneration.

According to ASIC when financial licensees charge these fees they are supposed to forward FSG's or Renewal Notices every one or two years to their clients, but I never received any of these for eight years, which prevented me from being aware of the illegal charges. The Half-yearly statements showed that I had accepted to pay the fees but it was in small writing with an asterisk that I did not notice.

After checking my online transaction account in May 2018 and finding these charges I was shocked. Because of this I was then forced to request a refund plus interest for fees for no service on July 10, 2018 according to ASIC's mandatory Regulatory Guide 256.

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My issue, as listed above, is still ongoing to the current date. CFPL illegally claimed that I was never charged 'ongoing adviser service fees' from 2009 to 2016, and then provided this false information to AFCA when I lodged complaints, however, AFCA never even advised me of this and my AFCA complaints were cancelled. I am now 82years old and am being treated for memory loss at the Concord Hospital in Sydney. I hereby allege that my issue is definitely SYSTEMIC and also relates to ELDER ABUSE.

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I am Patricia.

I turn 84 in July and was at the RPA Hospital in Sydney from April 2025 to the end of May 2025.

My right Bowel was completely removed and on the left side of my body a packet is sticked on every day, however, I now have bad 'memory loss'.

However, the CBA's Executive Mr Matt Comyn, told Mr David Woolsey to illegally pay me $7,500.00 instead of legally passing my complaint on to the CFPL and or CFSIL. Mr Comyn then provided illegal information to five AFCA's staff members.

There must be abslolutely multiple elderly persons who have been treated in this illegal manner. I had contacted ASIC multiple times and the ACCC etc.

I now definitely need legal help if this is possible.

Thank you so much

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Dear Sirs

I now turn 84 year old on 22nd July, 2026, however, after getting out of the RPA Hospital at the end of May 1925 I am now forced to live with my daughter in Narrabeen and have 'memory loss'.

My issue should be reported not only to help me but obviously thousands of others who were treated the same by Mr Matthew Comyn at the CBA, which is his real name, who should have definitely been reported for not passing my issue on to the CFSIL, together with the CFPL etc. who both completely ignored my legal complaint. My full name is Patricia Mary Fitzsimmons and I feel sorry for completely other persons who were treated like me illegally.

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