However, Ms Vinall didn't realise the full ramifications until she entered into a contract to buy a house at Box Hill in Sydney's northwest. The matter eventually landed before Justice David Hammerschlag, who demanded Westpac CEO Anthony Miller appear at Monday's court session. 'I regard the refusal of the bank to fix the problem as legally unjustifiable and short on commercial morality,' Justice Hammerschlag said. The judge also said the letter sent to Ms Vinall about the reduced interest rate was 'at best ambiguous, and at worst likely to mislead'. 'Westpac complies with mandatory credit reporting obligations under law, which require missed repayments to be reported to credit agencies,' a Westpac spokesperson said in a statement.

Source: Daily Mail February 20, 2026 03:10 UTC