BFCSA Blog

Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

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Writing our 'Bank Story' isn't easy.   I've written it in point form - but it's still probably too long for people to want to read it all.However, it IS 'our' bank story - and who knows, someone may have the time to read it and be informed about some of the things the banks get up to.  Oh, and just to set the rumor straight ... my husband is NOT a lawyer, and has nothing to do with the profession.  We were just a Mamma and Pappa, with three teenage children living at home, who mistakenly believed banks could be trusted, and who thereby ignorantly entered a minefield.  A.  'OUR BANK STORY'.1.  2002 applied for loan from Interstar Wholesale Finance (became 'Challenger' and November 2006, and now known as 'Advantedge').  We owned our home freehold at the time.2.  Brokers acted strangely - at the time I told my husband they were...
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  • doyla66
    doyla66 says #
    We must make sure the senators read her story Denise will be able to help with that I think.
  • doyla66
    doyla66 says #
    Excellent idea Gfs246, for Susan's story to be put before the Senators. That will add more pressure and make the Politicians rethi
  • doyla66
    doyla66 says #
    All these bankster lawyers resorting to these bully boy tactics should be outed and publicly exposed and have their licenses suspe
  • doyla66
    doyla66 says #
    Susan's story needs to be shoved under the senators noses. She has been through enough, the media would be good but how can this w
  • doyla66
    doyla66 says #
    Dear Susan I really cannot believe anyone should be exposed to that sort of disgusting abuse of their rights and for our constabul
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Rate Manipulation: Largest Cartel Fine in History By Justin O'Brien, University of New South Wales Ethics|Libor Manipulation|Global Initiatives|Banking from     http://www.clmr.unsw.edu.au/article/ethics/libor-manipulation/rate-manipulation-largest-cartel-fine-history SYDNEY: 5 December 2013 The European Union investigation into rate manipulation of critical financial benchmarks has generated the largest cartel fine in history. Six global banks – JP Morgan Chase, Citigroup, Société Générale, UBS, RBS and Barclays – have paid a total of $2.3 billion in an attempt to put the scandal behind them. The settlement, however, marks the beginning rather than the end of a process. As it unfolds, the scandal is likely to prove exceptionally destabilizing to national, regional and global regulatory reform agendas. Here are five reasons why. First, the settlement covers only two currency trading platforms, the setting of the Euro Interbank Offered Rate (Euribor), and Yen denominated trading based on the London Interbank Offered Rate (Libor) and the Tokyo Interbank Offered Rate (Tibor). Given the range of...
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Dear members Normally I'm not a vengeful  man but it is with delight that I've just read some of the best Sunday news for along time. The online      broker magazine" The Adviser" is running a story about Westpac raising  the rate of commission on loans. The story and article seem pretty straight forward and not much consequence but its when you read the comments the brokers have responded with that you get the true insight. In the banksters haste to divorce themselves from direct contact with customers getting low doc, no doc, full doc loans they set up the brokers to be the front men and fall guys, so when the loans started to implode as designed after a few years the onus and blame would fall upon the brokers heads. Next comes the GFC, our big four were well buffeted against it and still managed to make record...
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Hi I've tried on many occasions to get my LAF's to no avail.  My business is in bad shape due to my health. Back in 1999 my then banker changed my business loan from $70,000 + $20,000 overdraft interest and principal to $100,000 interest only.  I had a $10,000 residual on my truck loan that they would not finance so off to an interest only loan with a 20,000 CBA  business card. Well now we move forward to 2001 we get approval for a $250,000 mortgage which we took out and built a house. Since then I've had to get a visa credit card to help pay the bills and mortgage.  My business collapsed in 2002 and now CBA have got me snookered. I've tried since 2002 to have both loans amalgamated with the same response, until  today YOU DO NOT EARN ENOUGH MONEY.  But I'm earning twice what I earn't in 2001. Mine and my...
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  • doyla66
    doyla66 says #
    I suggest you ask your lender to kindly retrieve from archives if gone missing and bluff them for they are all now so clueless the
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"What's in a Name?"How can a product called "Simplicity Plus Home Loan" be only for the self employed in small business?(The name of the product should give you a clue to the identity of the bank. ) In this case the product name seems to be deliberately deceptive! TacticsI have a copy of an email I sent to the broker asking "Is the product you propose for me a Home Loan or a Business Loan".I did not receive a response then nor now. The new broker/owner at the helm asked me to read the name of the product at the top of my  monthly statement....like a school teacher...trying to teach a silly kid that "its ALL in the name"....... it is NOT!I have a page here from the original LAF docs I filled in (or just signed) and scanned through to the broker. The  small  print states 'do not sign here' (...
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  • doyla66
    doyla66 says #
    Wonder what the ANZ definition of Breakfree means? From my experience it means breakfree from all secure in your life and let us
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Paul C - Posted on Friday, January 24, 2014 It is already set in stone that the BROKERS will be thrown to the wolves. I told the Broker months ago that his world was becoming a very much smaller place. I asked him to be honest when he was asked to make his statement to FOS and don't hide facts because even though he felt like he was the one under fire it was the Banks we were wanting to have to do the explaining. As expected, he put in very nice soft comments about the Bank, and in as nice a way as possible, and although we had been his customer and long before that his friend of many years, his finger turned and pointed at us.  That reaction did not surprise me as I am sure the Brokers are all fearing for their jobs and futures. Interestingly enough though, the favour...
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  • doyla66
    doyla66 says #
    Looks like the mortgage broking part of the game has out served its purpose with force scapegoat to soon be replaced with force sk
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Recently we requested thru FOS our LAF seeing that we still had not received one even tho we had requested from ANZ over 12 months ago and have in writing from them that they had sent everything they had on file concerning our loans. We then receive an email from FOS saying that since we did our application face to face with the bank manager it was directly inputted into the computer and here are the screenshots from 2005. So off we go and start trawling over the screenshots from 2005. Didn't take long to find stuff totally incorrect, income overstated apparently we were earning over $100k annually and receiving centrelink benefits. REALLY? don't think so.  Application and letter of offer signed the same day??. Gee ANZ you are so efficient. BUT ANZ can see into the future. THE LOAN WAS APPROVED 19 DAYS before we even applied for it. Then...
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  • doyla66
    doyla66 says #
    We have an ANZ loan too (its actually a One Direct loan which is a subsidiary of ANZ) & the same thing has happened to us & it wa
  • Denise
    Denise says #
    YES Indeed look closely at your documents and demand the missing documents. Tell the banks: if you cannot find our complete clien
  • Denise
    Denise says #
    Everyone caught in the Australian TOXIC Mortgage Loan Scandal should be telling their story. Mass maniuplation of client files by
  • doyla66
    doyla66 says #
    Published: Thursday, 23 Jan 2014 | 2:48 AM ET By: Leslie Shaffer | Writer for CNBC.com A British expat in Singapore stirred up
  • doyla66
    doyla66 says #
    ANZ sure seem to be confused re dates. Mine shows a 4 month discrepancy between when applied for and the date on the letter advis
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Make sure your mortgage is legitimate ... ASIC is investigating brokers who are involved in fraudulent activites. Picture: Th...
Australian Securities and Investments Commission investigating mortgage broker fraud   12 HOURS AGO JANUARY 23, 2014 12:00AM Make sure your mortgage is legitimate ... ASIC is investigating brokers who are involved in fraudulent activites. Picture: Thinkstock Source: News Limited BORROWERS have been warned about a disturbing rise in fraud by mortgage brokers who are pushing up incomes and falsifying other information on the promise that it will help clients secure a dream home otherwise out of reach. The corporate cops will today announce they have rubbed out two brokers - one from Sydney and another from Melbourne - bringing to eight the number banned in the past three months. The total the eight have sought - using dodgy tax assessments, fake pay slips and other fictitious documents - is $15 million. News Corp Australia understands that as part of an ongoing "crackdown", the Australian Securities and Investments Commission has a further 15 investigations underway,...
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  • doyla66
    doyla66 says #
    Don't doubt yourselves fellow BFCSA Members you know the truth, I know the truth, Denise Brailey discovered the REAL TRUTH and our
  • doyla66
    doyla66 says #
    Today Tonight show which aired tonight on Channel 9 in QLD. Why did they not interview Denise Brailey for the REAL TRUTH based on
  • doyla66
    doyla66 says #
    Exactly what ASIC did before after the investigation they did in 2003 when then they also blamed Brokers and scalped a few of them
  • doyla66
    doyla66 says #
    This of course is no news to BFCSA Members that's the starting process of us all being bought together. It again states what these
  • doyla66
    doyla66 says #
    What's happening here, all of a sudden ASIC comes out and says there is an increase of dodgy loans all of a sudden and done by bro
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the following is an extract from the Latrobe Consumer Advisory Guide... " Report Abusive Lenders If you have been a victim of predatory lending abuse, let others know! Your complaint could save others from being victims, too. Call your local office of consumer re listed in the Government section of the phone book.Report your experience as they watch out for predatory lending scams and frauds; a good start would be to: • Call ASIC toll-free 1-300-300-630, • Or go to www.asic.gov.au’ to file a complaint online. WHEN BORROWING DOESN’T ADD UP Consumer Advisory Guide What is Predatory Lending Take action against Abusive Lenders© 2007 07/01/13La Trobe Financial Services Pty LimitedAustralian Credit Licence: 392385La Trobe Financial Asset Management Limited Australian Credit Licence: 222213 to read the guide click on this link http://www.latrobefinancial.com.au/Documents/WhatWeDo/AssetOrigination/Loans/AvoidBadLoans.pdf   Comment: This is all well and good Latrobe.... in theory, however  our own recent case for maladministration against Latrobe was closed by...
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  • doyla66
    doyla66 says #
    this must be a bad joke by Latrobe. I just reread "what tactics do bad lenders use"... In our case Latrobe USED JUST ABOUT EVERY
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More debt needed for investments: NAB chief DateAugust 1, 2013   Gareth Hutchens "Every [foreign] person that's been coming here in recent weeks, and I see another one reported today, is sort of saying what a fantastic economy," he said"Speaking at a business lunch in Sydney, Mr Clyne criticised the level of debate about debt in recent times, calling it "very immature". Read more: http://www.smh.com.au/business/more-debt-needed-for-investments-nab-chief-20130801-2r1k6.html#ixzz2qhTo42xq  ED:  If Mr Clyne handed over all his wealth to the victims of NAB and then loaded HIMSELF and family up with DEBT FOR THIRTY YEARS, as he has surely done unto others,  then he has a right to criticise............................So far he has not earned the right to comment, he has only earned the wrath of ex NAB customers!...
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  • doyla66
    doyla66 says #
    Was waiting for your comment Nanna! Looks like they all might need to do a lot of re-financing to earn some $$$ to pay a few fine
  • doyla66
    doyla66 says #
    Mr. Clyne it appears you are living in a bubble. You know me I have pleaded for help. You have wiped me like a dirty bum. I am a
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Low-doc loans make up one third of ASIC submissions to Senate AUSTRALIAN BROKER NEWS by | 20 Jan 2014 The final submissions to the Senate committee’s review on ASIC’s performance are in, and low doc and no-doc loans are a hot topic.At last count, more than a third of the 400+ submissions received related to low-doc and no-doc loans.The latest submission, by Rocco Cassaniti, hits out at ASIC for failing to act after he alleges incomes were “grossly inflated” in their low-doc loan application in order to secure funding. “Simply these matters are shrouded in legal protection for banks, hurting the livelihood of the unsuspecting citizen in the process,” wrote Cassaniti.“With so much evidence against bank inappropriateness, why do we have an organisation who does not protect the consumer?”A further common theme amongst the submissions was the collapse of Trio/Astarra, which was mentioned in 20 submissions. The failure of Storm Financial received 11...
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  • doyla66
    doyla66 says #
    Ho Hum! Are our banks into this evil insurance rort along with their big bad US cousins? Read a few very interesting articles to
  • doyla66
    doyla66 says #
    I have always thought that Brokers whether insurance, mortgage, financial were a created industry and totally unnecessary. All th
  • doyla66
    doyla66 says #
    As usual Neil your points are well worth a read. I just noticed your first blog regarding the Broker blaming the customer for infl
  • doyla66
    doyla66 says #
    Well done Denise, I've just viewed some of your comments in The Australian Broker news where you have tried to enlighten them on h
  • doyla66
    doyla66 says #
    ASIC as it now stands is a joke and a hurdle to foreign investment in Australia. For years overseas's investment have complained t
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Dear members Its with much interest I've been reading transcripts of UK opposition Labour leader Ed Milliband's latest speech to the party faithful. He wants to break the monopoly of the big five banks  who at present control 87% Of current accounts with Lioyds having the biggest share with 30%. Ed Milliband wants the main players to diverse themselves from High Street branches and for two new players to enter the market to promote business loans which at present the main players are refraining from providing, also this extra competition would be good for the economy. He stated " under a Labour government, you will no longer be serving the banks. Instead, the banks will be serving you.' After this announcement shares in RBS and Barclays whom the government is a major shareholder fell. Senior banking officials stated if Labour wins power in 2015 and initiated these measures that the share...
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WE should be looking at David Murray as a witness to answer tough questions - not leading the evidence! Hockey’s Financial Inquiry will pander to big banks Posted by Unconventional Economist in Australian banksat 10:09am on January 13, 2014 |  Macrobusiness By Leith van Onselen The AFR’s Chris Joye has delivered a detailed critique of the Coalition’s “Son of Wallis” Financial System Inquiry, which he claims will maintain the status quo and be friendly towards the big banks at the expense of taxpayers: Anyone with exposure to Australia’s $450 billion banking sector should understand the threshold policy issues the inquiry will traverse, and start formulating probabilities on the outcomes. A careful analysis suggests it is unlikely to champion radical changes that will disrupt the status quo. This would be good news for investors in the majors, and bad news for everybody else – including their competitors and, more significantly, taxpayers… The Reserve Bank of Australia and Treasury...
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  • Denise
    Denise says #
    Maybe, but it will be people power that change the system and the minutiae will be exulted. If few people have been scammed by Lo
  • doyla66
    doyla66 says #
    During the prelude to announcing the Banking Inquiry, the talk was about not concentrating on the " minutiae" eg consumers it was
  • doyla66
    doyla66 says #
    Truth is the media is also under threat of job loss or worse due to they who own and control our media yet they do what they can.
  • doyla66
    doyla66 says #
    I cant agree with you on this one Duped, you are absolutely on the money with much of what you say and have said in previous blog
  • doyla66
    doyla66 says #
    Leith is spot on It's a shame a complete waste of tax payers money. How can Joe hockey put an ex banker CEO (Murray) in as chair a
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Punch magazine article published 3 April 1957 The cartoon...."the bank teller is asking do you wish to withdraw money?"  The customer is saying: "No I just want to count it to make sure its still there."  QWhat are banks for? ATo make money QFor the customer? AFor the banks QWhy doesn’t bank advertising mention this? AIt would not be in good taste but it is mentioned by implication in references to reserves of $249,000 or thereabouts, that is money they have made QOut of customers? AI suppose so QThey also mention assets – have they made that too? ANot exactly but that is the money they use to make money QI see and they keep it in a safe somewhere? ANot at all they lend it to customers QThen they haven’t got it? ANo QThen how is it Assets? AThey maintain it would be if they got it back QBut they...
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RHG's solution to solving their TOXIC LENDING policies is to say "we will settle for X dollars by offering a new IMPRUDENT LOAN."  Even worse the lawyers for RHG knew that FOS (the Financial Ombudsman Services) close for business out of respect for the festive season.  RAMS Home Loans Group has just sold out to RESIMAC.  I hope the guys at RESI know what a mess of toxic lending has been left behind.  I hope they read about it in RHG 's infamous "fine print." RHG decided to write to a family with five children, knowing the ill health of the husband.  The allegations are the usual: fraudulent Loan Application Forms, no regard for the Bankers Code of Practice, Maladministration in Lending, asset lending, etc.   RHG's legal counsel delivered a letter by email 48 hours before Christmas to suggest a TAKE IT OR LEAVE IT OFFER....and by the way "we...
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  • doyla66
    doyla66 says #
    Seems every low day is followed by one that picks you up by the bootstraps - yesterday despair on finding out about self-securizat
  • doyla66
    doyla66 says #
    . and European regulators fined banks record amounts this year, imposing penalties and settlements of more than $43 billion as aut
  • doyla66
    doyla66 says #
    Seems to me all Lenders know ASIC will never be taken to task and Joe has now confirmed so in reneging on promises made proving he
  • doyla66
    doyla66 says #
    Wipe the debt and pay for all losses. What a pack of clowns. Classic case of RHG willing to give a loan through fraudulent means a
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Dear members Our illustrious big four banksters have been caught out again. The banksters in their scheming wisdom have decided to put super investment funds into the lowest yielding accounts thus ensuring the wise banksters get maximum return on the money for themselves, whilst giving the minimum amount of return to the super investors. Like I said before all super is the next chapter in the banksters master plan to rob every asset possible from all Australians, their combined greed knows no bounds. And to top that off the beloved NAB has the hide to complain that there are to many regulations in the financial services industry, it curbs competitiveness they claim. We have all been witness to what NAB did to Nabbed Nanna, well just read the latest Senate submissions on what they did to some big family food producing properties out Walgett, NSW way and how NAB replied to the family...
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  • doyla66
    doyla66 says #
    Have read interesting things in a few sites over the past few days and all say the same thing - the IMF has issued some directive
  • doyla66
    doyla66 says #
    Can't find the one I saw that snippet in re fallguys for have scrolled through so many but this link also alludes to it albeit not
  • doyla66
    doyla66 says #
    One does not have to be a rocket scientist to realise what’s going on if what I just saw on the CEC site is true re a 15% fall in
  • doyla66
    doyla66 says #
    CEC has good ideas - especially how to implement the reinstatement of Glass Steagall and rectification/re-regulation of our Bankin
  • doyla66
    doyla66 says #
    Wow Sharon, You know exactly what I, you and no doubt thousands of others have been subjected to with the Nab. They are like vult
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..watch CBAs slight of hand while it changes loan information and unlawfully takes people's homes - if you or I did that it would be fraud and theft - with the CBA it's standard practice, beyond the law BUT every shareholder of CBA is guilty of condoning the banks behaviour - time they started asking questions - otherwise they are guilty by association - innocent people are losing their homes, their health and there future by fraudulent bank behaviour. ASIC sits like the three dumb monkeys, seeing evil, hearing evil and doing nothing!!!    Ed:  If you are a shareholder and you read stories of fraud in the Bank you have invested in.....what do you think is going to happen NEXT when the whole industry comes under a ROYAL COMMISSION???? LOST HOMES not your problem????  Its everyone's problems including the next generations who may wish to buy a home at some...
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  • doyla66
    doyla66 says #
    “Fairness” RG 139.110 “We believe a scheme’s complaints/disputes handling and other procedures must accord with the principles of
  • doyla66
    doyla66 says #
    Having 3 actions against 2 different banks currently in the FOS system, we have been surprised at the two different methods of ha
  • doyla66
    doyla66 says #
    ABC news yesterday: There is an increase in mortgage defaults, and also an increase in homelessness of aged people! So far the pre
  • doyla66
    doyla66 says #
    We are seeing the greatest con in our country's history being played out right in front of our eyes. Joe Hockey is encouraged by t
  • doyla66
    doyla66 says #
    Well said, Jill. It looks like the lack of appropriate action by government will result in people eventually taking the Law into t
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  MICHAEL BENNET  THE AUSTRALIAN   DECEMBER 03, 2013 2:55PM WESTPAC chief executive Gail Kelly has firmed as the next chairman of the Australian Bankers' Association, succeeding ANZ boss Mike Smith, as the industry readies for the first inquiry into the financial system since 1997.  Mrs Kelly, who sits on ABA's 15-person council, is expected to take over the role of chair this week, according to a source. The role of the banking body rotates among the chiefs of the nation's biggest banks every two years, with Mr Smith serving since November 2011 after taking over from former Commonwealth Bank boss Ralph Norris. The ABA's annual general meeting is being held tomorrow, where a new chairman will be elected and formally announced. The ABA said it could not comment ahead of the AGM. But several industry sources said Mrs Kelly's election was a near certainty. The chiefs of the nation's banks who sit...
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Dear Members After reading Denise's blog on Ian Narev it brought to mind an old saying " two faced". He has in his mind this image where the public think the banksters sole purpose is to look after the valued customer" GET REAL IAN even we mere mortals know a bank is a business like any other and has to make a profit to survive. CBA and all the other greedy banksters weren't content with making healthy profits in a market which they dominated, no! greed gave way to good business sense and the bankster engineers and low life lawyers devised a scheme to rob societies most vulnerable. Ian states a few rogue advisers tarnished CBA's reputation, I think not. CBA has a long history of bad press. Why have the brokers involved like Don Nguyen been silent? Why did they opt to be the scape-goats thus having their careers and reputations...
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  • Denise
    Denise says #
    If every Broker became whistleblower and tipped the bucket on the service calculator and the BDMs, the Royal Commission into Banks
  • doyla66
    doyla66 says #
    Our Aussie Banksters got their wish to be self regulating and look how they used it. Cheating good for nothing blatant crooks, how
  • doyla66
    doyla66 says #
    What you have blogged Tony is spot on. Just how did these fraudulent loans get past the lenders.? Only one way, the Lenders in o
  • doyla66
    doyla66 says #
    Even though Nguyen and the few rogue brokers as they the banks are calling them did do some crooked dealing how did the broker mod
  • doyla66
    doyla66 says #
    I'm with you Neil. These brokers would be silenced with payouts for that silence. Why would you want to be buried and go quietly
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Mr Narev wants to look after Consumers....a noble thought.  If he really wants to achieve that aim, he simple has to do three things: 1.   Abandon the Serviceability Calculator.  Brokers are neither trained nor qualified to assess mortgage loans and affordability. 2.   Ensure Credit Assessor staff do not use a serviceability calculator and instead telephone the client and verify income. 3.  Ensure that all customers (to protect themselves from internal bank fraud) receive a copy of the complete Loan Application Form, the moment they sign the pages.................. What about all the Storm victims, who have since realised the LAF's were riddled with LAF Fraud after the document was faxed to your bank? The fact that 7 broker/planners have been chastised, does not explain why 100% of CBA loans we have investigated are all fraudulently processed and approved? The singled-out brokers are the scapegoat.  If Mr Narev is sincere about customer...
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  • doyla66
    doyla66 says #
    If Ian Narev's watchword is integrity I suggest he try another one for size "HYPOCRITE."
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