In February 2008, Mr & Mrs Borkowski bought a home in Victoria for $340,000. To pay for it, they took out a $300,000 loan from Westpac. Between 2010 ans 2023, Westpac secretly split up and on-sold the debt several times to other Westpac corporations without informing the Borkowski’s. The new financiers then unlawfully changed the terms and conditions of the loans. The Borkowskis discovered the fraud and refused to pay anything more, rightfully claiming that on-selling the loan amounted to fraud and was a breach of contract. Westpac had never produced a valid, signed credit contract and had already been fully compensated for the loan through insurance payouts and the secret sale of the debt to third-party investors. Westpac had other ideas, and launched a massive legal battle in an attempt to force the Borkowski’s to shut up and pay.

In 2023, Westpac (through the law firm Minter Ellison) sued the Borkowskis in the County Court for “Recovery of Possession of Land”. Because the Borkowskis did not file a formal defense in that specific case, the court issued a “Default Judgment”. This allowed the bank to unlawfully seize the family’s equity using illegal court rulings through a process of organized crime and theft. By June 2024, a fake Warrant of Possession was issued, and the family was forcibly evicted from their home. The eviction involved property damage and was carried out by unlicensed security agents.
 The Borkowskis have now taken their fight to the Supreme Court of Victoria, suing Westpac, the State of Victoria, and various court officials. The proceedings are ongoing.