Media release: NSW (Raffie) - Five time bankrupt convicted of multiple offences

Friday, July 14, 2017

Ms Aziza Raffie of Cecil Hills, New South Wales, was sentenced on 11 July 2017 for making a false declaration on five occasions, providing false information to her bankruptcy trustee and obtaining credit without disclosing her bankruptcy.

Ms Raffie was convicted and ordered to perform 250 hours of community service.

Ms Raffie has been bankrupt five times since 1998. She was bankrupt twice using her current legal name of Aziza Raffie in 1998 and 2011, twice using her previous name of Lenka Carovska in 2007 and 2011 and most recently in 2014 using the name Azira Raffie.

Ms Raffie made false declarations on her bankruptcy forms on each occasion when she filed for bankruptcy.

She obtained a loan without disclosing to the finance company that at the time of the application she was bankrupt under the three different names.

During her most recent bankruptcy she provided false information in a questionnaire provided to her trustee. 

Magistrate Tsavdaridis commented that the offences had an aura of public policy impropriety about them in that the Australian Financial Security Authority (AFSA) made it abundantly clear to Ms Raffie what her obligations were in completing the forms required for the debtor’s petitions and disclosing her bankruptcy when applying for credit. She not only provided false answers, she did so intentionally to suit her financial needs and the offences required him to take into account the need for general deterrence.

The Magistrate also commented that while these offences were occurring, Ms Raffie committed other offences causing a loss to the Commonwealth. She received a community service order for those offences.

The matter was prosecuted by the Commonwealth Director of Public Prosecutions on behalf of the Australian Financial Security Authority.