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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Low interest rates exacerbate real risks Australian Financial Review May 18 2016 11:15 AM Christopher Joye   Don't buy into the Reserve Bank of Australia's ever-cheaper-money-makes-us-better-off bullshit. Taking on more record debt at the puniest interest rates in human history to artificially boost economic activity to some theoretically acceptable growth rate – and the existence of zombie businesses that would never survive with a normal cost of capital – is plainly stupid. The same logic applies to mindlessly chasing absolute yields and buying horrifically overvalued investments just because the RBA wants to ignite "animal spirits". The risk-averse would be better served making peace with meagre returns and avoiding catastrophic capital losses when fundamentals wrest control of asset prices back from policymakers who think they know better. To recap, on May 3 the RBA decided to slash the cash rate to a new all-time nadir of 1.75 per cent, even though growth...
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By Houses and Holes in Australian Property, Australian recession at 12:45 pm on June 5, 2015 http://www.macrobusiness.com.au/2015/06/the-dumbest-bubble-in-history-is-the-rbas/   Chris Joye doesn’t mince words today:   There’s only one party to blame for Australia’s unprecedented house price bubble. And it’s not buyers, vendors, developers, immigrants or local councils restricting new approvals. While they have all contributed to the underlying demand and supply dynamics, the unsustainable price growth across Sydney and Melbourne since January 2013 is squarely the responsibility of the monetary policy mandarins residing in the Reserve Bank of Australia’s Martin Place headquarters. It is these folks who dismissed our repeated warnings that they were blowing the mother of all bubbles and instead decided that the cheapest mortgage rates in history—enabled by cutting the cash rate a full 100 basis points below its global financial crisis nadir – is the elixir required to maintain “trend” growth. Never mind that this might actually...
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RBA needs to address Australia's property bubble: UBS The Economy September 16, 2014 Bianca Hartge-Hazelman http://www.smh.com.au/business/the-economy/rba-needs-to-address-australias-property-bubble-ubs-20140916-10hex2.html 'Lazy analysis': Joe Hockey dismisses bubble talk $A overvalued, says internal RBA document RBA awake to property bubble risks UBS global chief economist Larry Hatheway has warned that unless the Australian dollar falls below US85c in the near future, the Reserve Bank may have little choice but to use other tools besides changing rates to ward off bubble-like conditions in the property market. Speaking as he was wrapping up a tour of Australia, Mr Hatheway observed that just as Australia was beginning to wean itself off its dependence in the mining goods sector, it must now rebalance its economy towards consumption, as well as investment in other areas of exports.  "That's going to require, in my view, a weaker exchange rate. Getting from here to there though will be difficult. The Reserve Bank could facilitate...
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  BY Christopher Joye - 06 Mar 2013 00:06:00   In a globally unique policy, the Reserve Bank of Australia will supply banks with a permanent bailout facility worth up to $380 billion by 2015. The policy has been designed by the RBA to help banks satisfy stringent new liquidity tests which simulate “acute stress scenarios” that deny banks funding for 30 days under the post-GFC rules, Basel III. Local regulators argue that insufficient liquid assets such as government bonds meant they had no choice but to give the banks a new taxpayer-backed “line of credit” that could be tapped at a cost just above the RBA’s cash rate. Smaller building societies and credit unions are not subject to the liquidity tests and will not, therefore, have access to the bail-out fund. Remarkably few people inside or outside financial markets are familiar with, or understand, this “committed liquidity facility”, which will...
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  • doyla66
    doyla66 says #
    Shareholders of Nab need to be aware of the wastage within the organisation. Nab would have spent hundreds of thousands of dollar
  • doyla66
    doyla66 says #
    If you are a shareholder or stakeholder of any Bank Shares you should be dropping them right now or be seen exactly as we see the
  • doyla66
    doyla66 says #
    Remember these banks are making billion dollar profits and pay shareholders handsome dividends every six months through ripping A
  • doyla66
    doyla66 says #
    That's pretty bad. I thought that rubbish went with the last government. And why let the RBA look after it? The RBA is in enough
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Cover Up
  By Nick McKenzie and Bentley Dean Updated September 27, 2013 09:47:00 Monday 30 September 2013 The Reserve Bank of Australia is meant to maintain stability in the nation's financial sector. It is supposed to be above reproach in its behaviour. But is it? Why did bank-appointed officials and employees break sanctions in Iraq and cosy up to Saddam Hussein through a "front man"? Why did a former Deputy Governor and other directors hand-picked by the Reserve Bank to safeguard its subsidiary companies from corruption, end up — over a decade — overseeing some of the most corruption-prone business practices possible? Why did they allow millions of dollars to be wired to third parties in foreign countries, including an arms dealer, in order to win banknote contracts in deals police now allege involved bribery and corruption? On Four Corners two whistleblowers-turned star police witnesses from RBA companies, Note Printing Australia and...
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  • doyla66
    doyla66 says #
    Two independent whistle blowers Ignored and marginalised by the RBA powers that be who thought they knew better Governance dispen
  • doyla66
    doyla66 says #
    Story Ideas -- If you have an idea for Four Corners, let us know. http://www.abc.net.au/4corners/stories/2013/09/26/3857148.htm H
  • doyla66
    doyla66 says #
    Getting Four Corners involved in exposing the mortgage lending practices of the banks would be a very good idea.
  • Denise
    Denise says #
    Yes we urgently need Four Corners to expose the current Sub Prime Toxic Loan Mortgage lending scandal here in OZ. WE have the evi
  • doyla66
    doyla66 says #
    Detailed personal experience of Denise with ASIC over Spruiking. ASIC minimising, infantilising and dismissive of those Taxpayers
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  Date April 10, 2013 ·(1)   Michael West Business columnist Analysis It’s an Aussie battler’s worst nightmare. You’ve got a macking big loan with the bank but the value of the family home is falling. Times are tough. You’re veering towards the dreaded ‘negative equity’ territory,  that is, being underwater on your mortgage, or owing more to the bank than your home is actually worth. As it turns out the Reserve Bank of Australia is having a ‘negative equity’ nightmare of its own. Just a three per cent fall in the value of its assets and the RBA is underwater. Good thing the RBA has a sugar daddy, Joe Hockey. To explain, Treasurer Wayne Swan blithely snipped a $500 million dividend from the Reserve Bank’s wilting cash reserves last year. The bank had just made its first profit in three years and the government commandeered almost half of it. It had to make the budget look good...
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  • doyla66
    doyla66 says #
    Isn't that ironic And a Bank, no less. One of the golden egg layers is at risk of being sold up by their creditors?! What next?
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Mother of all bailout funds March 6, 2013 - 1:03PM  SMH   Michael West:           Business columnist  View more articles from Michael West Only the big banks have access to the bailout fund. Anybody keen for a loan of $380 billion at, let’s say, an interest rate of 3.4 per cent? Sounds nice eh? Well, you the taxpayer are in the process of actually making such a loan. Or at least you will soon extend, most kindly if as yet unwittingly, such a credit facility to the big banks, to be used at any time, at their discretion. Taxpayers already guarantee some 60 per cent of bank funding via the deposits guarantee for zero compensation.    Yes, it is exceptionally generous, the so-called Committed Liquidity Facility, which is in effect a permanent bailout facility which comes into play in 2015.   In a story somewhat interred in the inside...
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  • doyla66
    doyla66 says #
    A Committed Liquidity Facility sounds rather like the equivalent of the USA's TARP to me. A bailout fund is still a bailout fund n
  • doyla66
    doyla66 says #
    My dear Captain Haddock. At BFCSA we have no secrets but here is a small one for you: I had a very informative meeting with ASIC
  • doyla66
    doyla66 says #
    Capitano Titanic: Must be,BIG2 WBC/NAB enlisted Intercontinental-Courier-Pigeons, covertly 'fly' $7b US-FED "bailout" parcels of c
  • doyla66
    doyla66 says #
    Denise, you keep on saying all will be revealed but it never is. Where I come from, there is a saying: "Sh1t or get off the pot."
  • doyla66
    doyla66 says #
    Andy, you are a gem. This info is great, especially; "I’m talking about the NEAR COLLAPSE of the Australian banking system in 2008
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RBA exposes low-doc loans risk: BY:ANTHONY KLAN AND ADAM CREIGHTON  From:The Australian  August 22, 2012 12:00AM BORROWERS using "low-doc" home loans are four times more likely to default than people on standard mortgages. The Reserve Bank said yesterday there was about $50 billion worth of low-doc loans, representing 5 per cent of bank balance sheets. A tightening in credit standards and the introduction of anti-predatory-lending laws following the global financial crisis had contributed to a drop in new low-doc loans, which now represent only 1 per cent of the new home loans being written, the RBA said. The RBA's analysis of low-doc loans came as new research at the central bank's annual economics conference suggested Australia's mortgage market might be about $100bn larger than the legal system, economy and credit checking systems required. The Sydney conference was also told there may be a case for greater use of hard limits on...
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  • doyla66
    doyla66 says #
    RBA is only using the figures that the banks provide them with. And, those figures are 100% correct aren't they? As if! We've all
  • doyla66
    doyla66 says #
    Good point. How accurate are the figures, from Banks who have an investment in keeping regulators at bay by producing golden figur
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Stop talking, RBA, and do something!!!  -- By Leith van Onselen -- The Reserve Bank of Australia’s (RBA) Financial Stability Review, released yesterday, contained at least three unambiguous warnings that Australian lenders should not seek to relax lending standards in a bid to increase market share and boost profitability: “With demand for credit likely to remain moderate, a challenge for firms in a competitive banking environment will be to resist the pressure to ease lending standards to gain market share in the pursuit of unrealistic profit expectations…” “While there is little evidence over the past year that they have been imprudently easing lending standards in a bid to boost their credit growth, they are seeking ways to sustain the growth in their profitability, including, in some cases, through cost cutting. Such strategies will need to be pursued carefully to ensure that risk management capabilities and controls are maintained…” “…it would be undesirable if banks responded...
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  • doyla66
    doyla66 says #
    I wonder if the RBA are afraid that any open criticism or openness about due process against Bank fraud or RMBS might adversely im
  • doyla66
    doyla66 says #
    It may be stated implicitly in their mandate for financial stability but what do they actually DO to meet their stated mandate? Re
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RBA could already be selling $A overseas: UBS   [Published: 7 Nov 2012] -- Investment bank UBS believes the Reserve Bank of Australia (RBA) could already be printing Australian dollars and selling them to foreign central banks in a bid to minimise buying pressure on the currency, The Australian Financial Review reports. Such a move is said to be an exact adherence to suggestions made by former RBA board member Warwick McKibbin to the newspaper in August. According to the AFR, UBS analysts Gareth Berry and Andrew Lilley have raised concerns over what they deem to be a sudden accumulation of foreign exchange on the central bank's balance sheet during the months of August and September. The accumulation has been labelled a form of “passive intervention” and reportedly been matched by a lift in deposits of overseas institutions held at the RBA. In the week ending October 31, $2.1 billion is reported to have been deposited, which...
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  • doyla66
    doyla66 says #
    .....Hmmm? .....most interesting .......Yoda... also spoke to the RBA in August! ...... suggested that they "secretly" print mone
  • doyla66
    doyla66 says #
    Thanks for posting this, Andy. I heard about this and had been looking for the 'evidence'. Could someone please explain to me wha
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RBA officials 'withheld information'  Sydney Morning Herald - ‎6 hours ago‎           Review of the Reserve Bank Annual Report 2011. Reserve Bank officials neglected their directors' duties in handling the banknote bribery scandal and withheld damning information from parliament, according to comments in a parliamentary committee report...
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  • doyla66
    doyla66 says #
    There is a pattern amongst lawyers, the public service, corporations and politics to deal with problems "in house" if possible. On
  • doyla66
    doyla66 says #
    Attention Mr Tony Negis, Commissioner of Australian Federal Police, the man charged with protecting Australia and therefore Austra
  • doyla66
    doyla66 says #
    JAIL THE CORRUPT BANKERS. 10 - 15 YEARS MINIMUM. PERVERTING THE COURSE OF JUSTICE.
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    by: James Glynn From: Dow Jones Newswires October 22, 20123:31PM AUSTRALIA'S central bank will ask participants in the $10 billion residential mortgage-backed securities, or RMBS, market for greater transparency surrounding the debt class being used in repo operations. The Reserve Bank of Australia, or RBA, recently completed a review of reporting requirements currently in place in the RMBS market, and issuers will now need to provide more comprehensive and up-to-date information on the securities. "We have sought to achieve some uniformity and greater depth in the information reported," said Guy Debelle, assistant governor for financial markets at the RBA, at an industry conference here. Mr Debelle made the point that reporting standards often vary significantly across issuers, since there is currently no regulatory standard for RMBS reporting. Current standards call on issuers to provide data relating to the asset pools that back the securities and a list of mortgage issuers...
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  • doyla66
    doyla66 says #
    Please remind me again. How can we find out if our own 2009 mortgage was tied up in RMBS?
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In the FOS process of compensation, it appears FOS credit the bank with any (if any) of the borrower's "negative geared" previously enjoyed tax benefits during the time of the problem loan period ("the period"). The FOS position pertaining to ATO 'offsets' ('credits') clearly purports to apply ATO offset benefits to the banks to determine the borrowers overall appropriate "compensation package".The FOS asserts that the banks are entitled to quote; "rent received from leasing the property and any tax deduction received for an investment property" It appears, that the banks have enjoyed an FOS directed "unjust enrichment" in the form of an inappropriate tax offset benefit to their overall incumbent liability to the borrower by disgorging &/or transferring any of the borrower's tax offset benefits obtained during the period by way of the borrower  "negative gearing" the problem property.   Simply put, it's incumbent upon the applicant upon receipt of any bank interest...
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  • doyla66
    doyla66 says #
    I "third" it, Andy! Sounds highly dodgy! Why give the banks the money which should be attended to in a Tax Adjustment and possibly
  • doyla66
    doyla66 says #
    Andy, I second Blackedout's comment...Your post is overdue being sent to the Senate. Some on the Senate panel need all the ammo to
  • doyla66
    doyla66 says #
    So many twists and turns,how on earth do you all keep track of what goes on,it's beyond me. This whole debacle has been a real ey
  • doyla66
    doyla66 says #
    you used to be able to have your client get his accountant to obtain a form 221D and that meant the client would get his tax relie
  • doyla66
    doyla66 says #
    Send that to the senators
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JUST HAD A INTERESTING CONVERSATION WITH FOS. I MENTIONED THAT I WANTED INFORMATION FROM THE BROKER. COULD FOS GET THAT INFO. NO I HAD TO GO TO THE CREDIT OMBUDSMEN SERVICE THEY WILL APPROACH THE BROKER. I MADE THE POINT THAT THE BROKER HAD FILLED IN, INCOME THAT WAS DIFFERENT TO WHAT I HAD SUPPLIED HIM WITH. FOS STATEMENT WAS WHO WAS THE BROKER WORKING FOR. WHAT DO YOU MEAN I SAID. WAS THE BROKER ACTING AS A AGENT FOR THE LENDER OR WAS HE ACTING AS A AGENT FOR THE BORROWER. IF HE ACTS FOR THE LENDER THEN THE LENDER IS LIABLE  IF HE IS ACTING FOR THE BORROWER THEN THE BORROWER IS LIABLE AS THE BORROWER HAS BASICALLY EMPLOYED THE BROKER TO ACT FOR THEM UNDER ANY CIRCUMSTANCE. THIS IS FOS`s THINKING. WHO PAID THE COMMISSION?. US OR THE BANK. SO DOES FOS USES THIS AS ONE OF THERE DETERMINATIONS TO FLICK YOUR COMPLAINT. THE SECOND QUESTION I...
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  • doyla66
    doyla66 says #
    Hmmm!!! alright. Did you use a broker and did you sign application and authority docs with broker. Did you sign anything for the
  • doyla66
    doyla66 says #
    Convenient FOS "we treat each case individually".Simple = ADD UP INDIVIDUAL COMPLAINANTS = SYSTEMIC or against FOS(bank) Policy I
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Financial Ombudsman Service Circularlssue 5 - March 2011   When investigating a dispute about a low doc loan, we consider the following matters: * Did the client fully understand the process, so that it can be said that a conscious decision has been made? * Have clear questions been asked of the client in assessing the relevant and available information? * Have the monthly repayments been accurately calculated and disclosed at the time of application? * Was legal or financial advice recommended and/or required? * Did the FSP engage in good industry practice by exercising the care and skill of a diligent and prudent lender in: a) selecting and applying credit assessment methods; and *b) forming an opinion about the client's ability to repay? Was there lnformatlon in the appllcatlon which should have led a reasonable and prudent lender to make further inquirles, but the FSP chose not to? "...
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Tagged in: FOS
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  • doyla66
    doyla66 says #
    Oh dear! Good luck with that, JJ! I had a related situation: line of credit, private lender, second mortgage over two properties
  • doyla66
    doyla66 says #
    Actually, I too noticed the reticence expressed by lawyers about taking on another even when they know the difference between righ
  • doyla66
    doyla66 says #
    Basically over two loans (that still exist today) One is a residential loan and the other a business loan. The land is secured aga
  • doyla66
    doyla66 says #
    One property I have in question has an interesting twist - bank valuation was only $880k of house and land and the loans that I wa
  • doyla66
    doyla66 says #
    Impressive LVR, JJ - how did they work that one out?
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Posted by on in Reserve Bank of Australia
I sent in a complaint to FOS about an issue that is unique to our situation, but which I believe was borne out of the Predatory Lending practices of the bank. FOS' response is that they 'cannot consider' our dispute.  However, the uniqueness of our situation shows that their response was really pretty much a cut and paste job.  I have had to write back and ask that they give my complaint due consideration, without presumption. FOS made at least nine presumptions in their response.  It appears to me that they aren't even reading our complaints but just sending back fob off answers.  To tell the truth, I don't expect they will give any more regard to this letter as they did my original complaint.  But I live in hope :). Dear (FOS), In all due respect, it is clear to me that you did not read and understand my complaint.  ...
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  • doyla66
    doyla66 says #
    Hi JJ. YES - I am taking it to the media. I have already been in touch with some media, mainly Stephen Long of ABC 7.30 Report and
  • doyla66
    doyla66 says #
    My bank manager quite often boasted how he was taken to FOS a few times - but always won. He acted like he was invincible!! He eve
  • doyla66
    doyla66 says #
    Wayne - are you taking this to the media. The public at large needs to know of this. That is disguisting. I hope you did not agree
  • doyla66
    doyla66 says #
    COMMONWEALTH BANK of AUSTRALIA. I have re-named it the CORRUPTWEALTH BANK.
  • doyla66
    doyla66 says #
    THANKS FOR YOUR POST SUSAN. Hopefully the "minders" reading our bfcsa blogs will pass this on to the powers that be. WE ALL HAVE
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Hi Members,   Found some interesting information on FOS website under the search Maladministration in Lending Sorry was not able to copy the info on this blog.   NC2011 - Responsible Lending - Presentation.pptx    (powerpoint presentation)  Responsible Lending Conduct Obligations & Maladministration ...
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  • doyla66
    doyla66 says #
    Thanx John, thought it was appropriate for the benefit of our exercise!
  • doyla66
    doyla66 says #
    Hi Marianna, I like your 'logo'. Wish others would follow your example and add to their posts.
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The Dispute Resolution Process   Terms of Reference: The Law – 5 legal counsel, legally trained case managers and case officers Applicable industry codes or guidelines – Code of Banking Practice, EFT Code, Centrelink Code Good industry practice – seconded banking adviser and financial services industry adviser Fairness Types of Disputes Delay in settlement Decision to lend – lending when there was no capacity to repay the loan Conduct of bank if it sells property as mortgagee in possession Errors in charging fees (however, we cannot look at a bank’s policy decision to charge fees) Types of Disputes                            Breaches of bank’s duty of confidentiality or breaches of privacy Funds transfer problems – telegraphic transfers, internet banking Debt collection – disputes about the amount demanded; debt collection practices if conduct is by member or agent of member; credit listings with Veda Advantage Ltd (formerly Baycorp Advantage) Requests for a variation in...
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  • doyla66
    doyla66 says #
    so what does this all mean? the banks could possibly get away with maladministration if the sale proceeds exceed the loan costs..
  • doyla66
    doyla66 says #
    Thanks, JJ.
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 Help please!!! FOS it appears is planning to close our case. Re: complaint of falsified docs, unconscionable behaviour, attempted repossession and no LAFS. It is a commercial loan but we were made to be guarantees.  A deadline has been given to answer questions on our losses however the lender seems to be excused for not answering our questions in validation and falsifying contracts. The lender also ignored the evidence that they wrote the debt off, as we have evidence of them requesting the insurer for payment of the debt. They also would be claiming this in Tax.   It took FOS 6 months to come back with a letter that provided no answers to our questions or validation. The only response from the lender was to say that they will make no further submissions. FOS says that’s fine as the lender answered FOS questions. We don’t even know what those questions were...
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Tagged in: Banking fraud; FOS FOS
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  • doyla66
    doyla66 says #
    Thought about abit of publicity about it?
  • doyla66
    doyla66 says #
    This on FOS website under Cases - Maladministration in Granting Loan - Can you ask for a new Case manager? Mr G was a self employ
  • doyla66
    doyla66 says #
    Thanks arree will check it out. ox
  • doyla66
    doyla66 says #
    Thanks arree will check it out. ox
  • doyla66
    doyla66 says #
    Good to know!
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Responsible Lending Conduct Obligations & Maladministration ... www.fos.org.au/.../responsible_lending_conduct_obligations_...Cached You +1'd this publicly. Undo Responsible Lending Conduct Obligations & Maladministration. ... For some years, FOS has considered disputes regarding “maladministration in lending”. ... In Regulatory Guide 209 (RG 209), the Australian Securities and Investments ... [PDF] Responsible Lending Obligations and Maladministration in Lending fos.org.au/public/download.jsp?id=14492     Not helpful? You can block fos.org.au results when you're signed in to search.fos.org.au Block all fos.org.au results You +1'd this publicly. Undo File Format: PDF/Adobe Acrobat - Quick ViewFor some years, FOS has considered disputes regarding "maladministration in lending". ... maladministration in lending, loan management or security matters. ... Regulatory Guide 209 (RG 209), the Australian Securities and Investments ... Many thanks to ARREE for the idea ! ...
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  • doyla66
    doyla66 says #
    BOQ...who me..no definitely not!
  • doyla66
    doyla66 says #
    Thanks Tasha for your responses. Knew you were Bank Of Queensland. You confirmed it in the response letter. Thank you - brought a
  • doyla66
    doyla66 says #
    Thanks Tasha for your responses. Knew you were Bank Of Queensland. You confirmed it in the response letter. Thank you - brought a
  • doyla66
    doyla66 says #
    I can not at this point of time. I see BOQ has their annual shareholders meeting on Thursday 13th December, 2012.
  • doyla66
    doyla66 says #
    Interesting conversation. Hi JJ. I note from your other blogs your problem is with the BOQ North Ward, but you are not a Storm Fin
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