There is no use having an A in arithmetic if you cannot pronounce the word. Your English need not be perfect but if you are not getting second interviews invest in an immersion course.
The CV. Unless you are applying to be CEO of Westpac, four pages is two pages too many. Twenty-one-year-olds should not write a "personal statement". At 21, you know nothing. A cover letter adds no value except as evidence of written English skills. But if you must write one, keep it to three paragraphs and get the firm's name correct.
Work experience has a five-year half-life. Anything you did 15 years ago is irrelevant. If you went to a posh private school, keep that information to yourself. Including it shows a sense of entitlement.
If you plan to embellish your work history, match the timeline to your LinkedIn profile. If you do not have a Linkedin profile, get one.
Three to five years in the armed forces shows initiative and discipline. Twenty years suggests you are institutionalised. If this is wrong you need to demonstrate this.
If you are over 50 you will be overlooked. Unless the job seeks specialist skills, employers do not want overpaid baby boomers hanging around the office complaining. Your best option is to seek a sales job where your age and experience are advantages, a government job, or perhaps keep the one you have. Happy New Year.