Bodo
I also had loans from Adelaide Bank when Grt Sthn imploded but my view was that repayment of the loans could and would be enforced albeit with some difficulty for the bank.
In order to avoid an untold amount of stress and possibly penalty rates of interest I decided to repay the loan balances outstanding to ADB ($180,000) and have done so.
From the tone of your post I assume you have stopped making payments to Bendigo Bank and I would appreciate if you could advise what their reaction has been.
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