This article comes from Gary and Carroll Heathwood. NAB VICTIMS: A sequence of events which has ruined their lives. Irresponsible and predatory lending by the NAB, one most of us have been through or know so well. The NAB refused Carroll's request for an ordinary home loan and locked them into a line of credit (LOC). This had disastrous consequence over the following years. Gary and Carroll, hard working, educated business people have fought for years with NAB, the ASIC and the FOS. The years of worry and stress have taken such a toll on their health they will never recover.