In a large mixing bowl, whisk together the vanilla pudding mix and milk until smooth.

Add the sweetened condensed milk and mix until fully incorporated. Let sit for about 5 minutes to thicken.

Gently fold in the whipped cream, being careful not to deflate it.

Wash and slice the strawberries and bananas into even pieces.

In a serving dish, layer pudding, sliced bananas, and strawberries, then add crushed cookies. Repeat until all ingredients are used.

Cover and refrigerate for at least 2 to 4 hours, ideally overnight.

Serve in dessert bowls, ensuring a mix of fruit, cookie, and pudding in each serving.