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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Hello .........,     Thank you for your email. I am calling for a Senate inquiry into the operation of ASIC and I am currently working towards this.   Regards...
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  • doyla66
    doyla66 says #
    main stream news today $93million lost in scams WHAT ABOUT THE $57 BILLION DOLLARS sub prime scandal that has effected hundreds of
  • doyla66
    doyla66 says #
    Furthermore, all closed cases must be re opened and also frozen until outcome of investigation is complete. It is only fair and ju
  • doyla66
    doyla66 says #
    Good idea Ali. The consumers must not be made to suffer any longer while FOS rushes through and closes cases. This is scam is not
  • doyla66
    doyla66 says #
    If we are to have a Senate inquiry into the operation of Asic then Fos must freeze all cases as a matter of urgency whilst investi
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LEAVE THE INDUSTRY WHILST YOU STILL CAN:  Banks told Brokers "you are our joint partners."  Brokers and Planners were given an AGENCY ID number and also given PASSWORDS to be able to activate and use the actual Bank in house and secretive SERVICE CALCULATOR.  Brokers/Planners used the "ICW" the income calculator worksheet to have the Bank Computer nicknamed "Speedy" work out the NEW INCOME FIGURE for the clients. Broker/Planners and Bank Managers and Officers (The Bunnies) would innocently go online to Bank Calculator Program and type in TRUE INCOME and Speedy would calculate a futuristic income (example $50,000 income becomes $180,000) and Brokers were asked to then write in their handwriting - the new futuristic income - one size fits all.  The document copy shows the words on the Bank Program screen as "DO NOT SHOW COPIES OF THIS TO BORROWER." Borrowers had no access to Speedy - its not the...
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"Willbee" ASIC has lazily sat back and watched these BIG hitter liquidators ruin other people's lives for over a decade.  ASIC has just had another attack of the WILLBEES......"we will be getting tough!"  Yes Mr Medcraft and SO WILL WE.  We will be getting tough with you.  Expect a genuine letter of complaint to IOSCO about your neglect and why you need to be investigated for your role in our current and widespread secularization scams.   We have "genuine and comprehensive" plans to ensure ASIC BECOMES a dismantled beast over the next 12 months.  It can no longer be trusted as a corporate regulator or a consumer protector.  Too many long lunches and dastradly deald under desks behind closed doors.  The media has seen through the ROT that is and inherent ASIC Corrupt Culture.  Ordinary citizens of Australia have been road testing ASIC for years with extremely poor results all round....
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  • doyla66
    doyla66 says #
    ASIC's Chair-Greg Medcraft on $700k peddles misinformation that ASIC actually administers real-consumer-protection, --when in fact
  • doyla66
    doyla66 says #
    You took the words right out of everyone's mouth Lisa The occasional spurt of action from ASIC is their way of pretending they are
  • doyla66
    doyla66 says #
    I'm with you, Maria. There's something very wrong inside ASIC if they have to be regularly reminded of the basics of their job by
  • doyla66
    doyla66 says #
    Stop tolerating ASIC - everyone - and demand the end to their well paid incompetence and illegal conduct. If the regulator is com
  • doyla66
    doyla66 says #
    EXACTLY.. it is absolutely criminal
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Senators push to grill ASIC over failure to heed warnings DateJune 11, 2013 Read later Adele Ferguson, Chris Vedelago Zoom in on this story. Explore all there is to know. Greens Australian Securities and Investments Commission Senate Christine Milne   inShare Pin It submit to reddit Email article Print Reprints & permissions     Need for inquiry: John Williams. Photo: Supplied The Australian Securities and Investments Commission could face a government inquiry into its regulation of the financial services industry after revelations the corporate watchdog ignored whistleblowers' warnings about misconduct inside the Commonwealth Bank. The call for an inquiry comes after a Fairfax Media investigation found ASIC waited 16 months to formally investigate tip-offs about improprieties inside CBA's financial planning division that put the life savings of thousands of clients at risk. CBA has so far paid out $36.4 million in compensation to 725 victims who received ''inappropriate advice'' from seven financial...
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  • Jetfighter
    Jetfighter says #
    This has been a long time coming. Thanks Denise, lets all do our bit and let these senators know our story and request a Royal Com
  • doyla66
    doyla66 says #
    Following on from the previous inquiries, the Senators' expressions of concern over the letter of complaint they have had over the
  • doyla66
    doyla66 says #
    Big'V'Bank$ters hope ASIC-Chairman Medcraft can assert influence in his role as IOSCO Chairman to avoid losing $billions in relati
  • Denise
    Denise says #
    Credit where its due. The Senators driving this for the good of the people are: Senator John Williams (NATs) Senator Doug Camero
  • doyla66
    doyla66 says #
    Good idea Ali, start posting comments on Senators Facebook and let them know ASIC not helping.
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I thought perhaps I could take part of my limited (unpaid) time to assist the debate and dispel a few myths for the sake of honesty to the long suffering public. The letters my members sent in to ASIC,  do not mention me or BFCSA to my knowledge.  My members sent a barrel load of letters to ASIC, APRA and the Australian Federal Police.  All Members received inappropriate FOB OFF letters from all three regulators.  WE will place a link on our website within days showing many more documents, such as the letters and the dreaded SERVICE CALCULATOR AND WORKSHEETS. The evidence collectively suggests Bank Fraud  with Mortgage Lending (all types) is rife, regarding the systemic imprudent loans – approved by use of the computer and the service calculator.  I reported this to Parliament. It’s not my job to investigate cases.  Nor do I have your budget.   I simply ask those affected...
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  • doyla66
    doyla66 says #
    Did lending fraud occur in the US and UK, like it did here? ie. altered details on documents and inflated incomes to increase the
  • doyla66
    doyla66 says #
    This will let the whole world know what the banks wanted desperately to keep quiet and get away with. They wanted the world to thi
  • doyla66
    doyla66 says #
    It's a great big coverup. No doubt we would be told it was in the national interest or commercially sensitive information. More mu
  • doyla66
    doyla66 says #
    Well done, Denise. Please keep going with this, if you can - it's such important work. My friends and associates overseas have b
  • doyla66
    doyla66 says #
    Kell's A-SIC puppy: "It is better to remain silent and be thought a fool than to open one's mouth and remove all doubt." --Mark Tw
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How did the Banks have so many people contributing to their part in the biggest crime of the century?  How did Banks manage to keep all the 20,000 key players and thousands more internal staff like mushrooms? We know how the Sub Prime Low Doc Scandal trapped so many Australians.  We know why the regulators looked the other way for 14 years.   We have uncovered their secret weapon...............we have the evidence.   Just watch this space.  I am time poor so the actual loading and preparation takes time.  We have no funding and no paid staff but we are kicking goals.  For the doubting Thomas's we have the goods. For all those who have received letters from ASIC, APRA, AFP, FOS closed file letters and COSL "its fraud so cannot assist" - closed file letters.  PDF and sanitize and send to me.  We call them bugger off letters. BIG REVEAL...
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  • doyla66
    doyla66 says #
    s.25, Code of Banksters' Practice: "Get your (unsuitable) facts first, then you can distort them as you please."--Mark Twain
  • doyla66
    doyla66 says #
    .... Coz no ones going to see them buried in the lost Banker files! So the whole plan to get rid of the Bank credit evidence and
  • doyla66
    doyla66 says #
    I remember current affair programs depicting happy people using equity to buy investment properties, now i'm wondering if they wer
  • doyla66
    doyla66 says #
    They were actors, Maria. Occasionally they used real clients but if we had watched their eyes we would have realised that they wer
  • doyla66
    doyla66 says #
    I've often wondered how the Banks coerced, convinced or conned so many so-called intelligent, educated, law-abiding and aware peop
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The only reason ASIC can claim it clawed back $23 million is due to lobbyists like myself and others.  I spoke to Greg Tanzer, Darren McShane (dDir of Enfocrement and Errol Hoopman (ASIC Barrister) about Westpoint 15 July 2001 in Commissioner Tanzer's  Brisbane Offices.  I flew to see him on my meager budget.  ASIC has a BIG budget of $400 million plus a year and the Treasurer generously threw another $100 million at the ASIC PROBLEM end of last year.  Splashes of extra Mega Cash has not improved ASIC's performance.  They should try my budget.   BFCSA has achieved what a $1 billion regulatory system could not achieve.  All on song: AOFM, ASIC, APRA, RBA and Federal Treasury told porky pies to Parliament: "We see no systemic issues in banking."  Five wise monkeys...see our cartoon corner. We will set up an ASIC METER so you the public can vote IF you...
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  • doyla66
    doyla66 says #
    Just because others couldn't see the problems with ASIC and the other regulators and the pattern of lending, the six links in the
  • doyla66
    doyla66 says #
    Well spelled out Lisa: the word "gossip" appears to be one of spin-doc's favourit of 34~flavours to obfuscate revelations George
  • doyla66
    doyla66 says #
    Another powerful post from Denise. She sure has a library of information exposing the crimes and shameful low performance of Austr
  • doyla66
    doyla66 says #
    Cover ups, corruption, lies Lies upon lies upon lies...I remember writing to them and told to go to FOS..a bugger of letter. Now F
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Gillard will retire to an $8 million equivalent super despite trying to tax yours, plus now she and Wayne Swan will be sweeping your personal bank accounts if you haven’t used it in the last 3 years. The recently amended legislation that transfers money from bank accounts that have been inactive for three years into the hands of ASIC raises questions about the suspicious timing of passing this law and the government’s motive behind it. According to a legislation amended late last year, money from bank accounts inactive for three years will be seized by ASIC. Previously bank accounts could safely stay inactive for seven years; however, the recent amendment implies that more money will flow to the federal government. As a result bank deposits like bonds, trusts and savings worth millions can be lost. The government rushed to change this law late last a year at a time when they...
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  • doyla66
    doyla66 says #
    I'm owed money by the CBA. It is still lawfully mine and they knew it. They held the money as they didn't like the outcome of anot
  • doyla66
    doyla66 says #
    ummm.... $8million equivalent? Why equivalent? Are they taking their payout in Bermudan currency?
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CBA covered up misconduct by rogue financial planner DateJune 1, 2013 Read later Adele Ferguson, Chris Vedelago Zoom in on this story. Explore all there is to know. Australian Securities and Investments Commission Commonwealth Bank   inShare submit to reddit Email article Print Reprints & permissions     EXCLUSIVE The country's biggest bank, Commonwealth Bank, concealed financial improprieties by one of its top financial planners who controlled an estimated $300 million in investments on behalf of 1300 clients, many of them retired and with serious health issues. The planner, Don Nguyen, who joined the bank in 1999 and has since been banned from providing financial advice until 2018, allegedly forged signatures, created unauthorised investment accounts and overcharged fees. A Fairfax Media investigation can reveal that bank staff participated in a cover-up that allegedly included the falsification of documents after Mr Nguyen left his position in July 2009. It can reveal the...
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  • doyla66
    doyla66 says #
    As they say “Injustice anywhere is a threat to Justice everywhere” - - - never a truer word spoken. I just wonder what version of
  • doyla66
    doyla66 says #
    Nothing would surprise me about the CBA. The harder they bully the more they are trying to hide, inflicting their angst on weaker
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Australian consumers of mortgages, whether FULL DOC or LOW DOC are far better off without any regulator at all, than trust ASIC.    Reliance on ASIC caused consumers to believe there was regulatory industry oversight, enforcement of law, corporate policing.  When the full extent of this scandal is revealed, it will rock the nation and cause thought-provoking economists to gasp.  Had ASIC placed a massive sign on each of the buildings as a serious warning to consumers, no-one would have even thought to TRUST A BANKER.  ASIC is breaching a very old REGULATION called: PASSING OFF.  ASIC is passing itself off as a consumer protector when it clearly is protecting its Bank Buddies.  Slight case of "Malfeasance in public office." In the interest of Consumer Protection the sign ought to read:   "ASIC PROTECT BANKS......NOT CONSUMERS.....please be warned." In order for ASIC to continue its historical DO NOTHING POLICY, now in...
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  • doyla66
    doyla66 says #
    Thankyou, Denise, for spelling it out so clearly. You are absolutely right about the situation. My journey into the regulatory wi
  • doyla66
    doyla66 says #
    When we first got on the no doc, low doc, full doc merry go round in 2007 we bombarded Canberra with letters and phone calls plead
  • doyla66
    doyla66 says #
    "An anonymous source said ASIC's internal complaint system was useless and the human resources team unsupportive, and that time wa
  • doyla66
    doyla66 says #
    I do hope the SMH story has some teeth seeing there is a FEDERAL election soon, so the next few months will be very important to h
  • doyla66
    doyla66 says #
    What chance does the Australian borrower stand with this type of fraudulent behaviour from supposedly trustworthy organisations...
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Time to expose the accountants involved in the scam.  For a few years Banks asked Brokers to provide accountant's letters to "provide financial details to satisfy affordability criteria."   Banks also asked for Real Estate Agent's letters to provide "proof of rental returns likely on any given property." Business Development Managers employed by the Banks would teach Brokers across Australia how to satisfy this "criteria" without too much fuss.  Ask a local accountant to write a letter on behalf of Mrs Jones (whom accountant had no knowledge of) to write I can verify that Mrs Jones earns $120,000 p.a.  The local real estate agent would write on letterhead of course: "Dear Mrs Jones, the rental property you wish to purchase would bring in $2000 per month in rent....." The Low Doc Loan files from say six years ago are riddled with these letters.  You are entitled to a copy.  If there is no fraud Mr Banker and the letters are legitimate, then...
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  • doyla66
    doyla66 says #
    Nothing would surprise me with dodgy accountants and real estate agents - nice little earner on the side thanks to Banks and Broke
  • doyla66
    doyla66 says #
    I love the way Denise has presented this scenario. The banks are running scared of her knowledge and tactics. Also the Canberra Po
  • doyla66
    doyla66 says #
    ING sought accountant confirm property worth HTW val. + worked for myself, but NO INCOME verification sought ever = asset lend (on
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The best way in which ordinary citizens can deal with corrupt regulators, is to do your own investigation and then marry that evidence with 1200 other citizens who are also subject to the same practices of mortgage and bank fraud. You then gather the documents together.  Add in some damaging emails sent by banks to the 20,000 strong broker channel and then hold your own BIG REVEAL exhibition online.  Because we know there are $100 billion in Low Doc Mortgages according to the RBA and, due to surveys we know there are 10% toxic FULL DOC loans,  we simply use the average $600,000 JUMBO loans to pensioners and low income families and suggest a wide exposure of some 200,000 families to this scandal.  Is there anyone that doubts this is a scandal of magnificent proportions? What happens to our Economy when the dam breaks?  Refinancing has dried up.......oops.  That means no more buffers.  Banks have an image problem?...
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  • doyla66
    doyla66 says #
    Thankyou, Denise. Very helpful information. Just like ASIC, some borrowers who are first time investigators can suffer from an e
  • doyla66
    doyla66 says #
    Just a few of the many helpful BFCSA postings available on this subject ... http://www.bfcsa.com.au/index.php/entry/cba-agm-sydne
  • Denise
    Denise says #
    IF your Bank sends you an unsigned electronic copy of the LAF. Ring them again and say "I want the FAXED copy of my LAF sent from
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       by: Anthony Klan       From: The Australian        August 18, 2012 12:00AM          THE corporate regulator has refused to investigate a claim of alleged low-doc loan fraud despite one of the nation's top forensic handwriting experts saying there is "no evidence" the documents in question are legitimate.          Businessman Gary White applied for copies of the application forms for a loan he had taken out via mortgage broker Resi and said he believed his signature had been repeatedly forged and his income inflated more than sixfold. Resi has denied Mr White's allegations and says it takes such allegations "very seriously". As reported by The Australian this week, Mr White has spent four years seeking regulatory action, and has spent thousands of dollars having the documents forensically examined. Handwriting expert Steven Strach, of Forensic Document Services, concluded there was "no evidence" signatures on the documents were those of Mr White.   The Australian Securities & Investments...
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  • doyla66
    doyla66 says #
    Thanks for reposting this article, Arree. Does anyone know if anything further was done on this case? Maybe ASIC is no longer inv
  • doyla66
    doyla66 says #
    Update to Anthony Klans article reprinted 22-4-2013. Resi''s Solicitors still deny forgery. In a letter dated the 17-4-2013 they
  • doyla66
    doyla66 says #
    Can't this Government and the opposition get it!!!! There is mounting evidence from every corner that the banks and non bank lend
  • doyla66
    doyla66 says #
    What would happen to us, do you think, if we took a bank withdrawal form and forged someone's signature on it to take their money?
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So much for Consumer Protection.  Denovan's solution is to hit the bottle!  Our Banking System is quite Manic.  Employment Verification is a blame game. And Australian Securities and Investment Commission ("ASIC") don't have a clue!  But the long suffering consumers of financial products engineered by Banksters know that to be true.  Denovan is upset that if things are slightly dodgy..............YES  JON, we have 1100 loans that are FULL ON DODGY.  Employment example: deckhand put down as ships captain.  Pensioner woman of 73 shown as "landscape garden."  Must be fit to shovel around huge rocks!    Hobby Artist written as "Artist" and earning $180,000 a year - who earns that from art? It's your beloved Banksters Jon that approved this rubbish.  The same rubbish we are intent on fumigating..................Bank Officer BDM's taught the Brokers to write down "something other than investor as it looks a bit suspicious....."  Yep its back to the Dodgy Banks & lenders again. Read Denovan's contribution to...
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  • doyla66
    doyla66 says #
    One of the job titles of J. Denovan is - The regulations and compliance for financial services!!...so compliance of WHAT? Perhaps
  • doyla66
    doyla66 says #
    Great comment, Margaret, so true! May the troglodites and heartless thugs in the legalistic Banking community lose their power, f
  • doyla66
    doyla66 says #
    I am in the middle of fighting the bank. They asked for my tax returns and received them even though it was a "lo doc" loan before
  • doyla66
    doyla66 says #
    Jean good thing you have kept some of the records best of luck with your fight.
  • doyla66
    doyla66 says #
    Lost file and you've got the emails ... good one Best of luck with your fight!
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Michael West
When regulation buck stops with consumer Date April 13, 2013         (0)                     Michael West  Business columnist In Saudi Arabia, a wallet lost in the street is routinely returned to its owner, contents intact. The crime rate is low, theft being somewhat discouraged by the spectre of people's fingers dangling from bits of string in the town square. In the financial arena in Australia, however, it is the victim rather than the perpetrator who is increasingly at fault. That is why we continue to roll out the ''investor education'' solution. For the swindler, our ''disclosure'' regime is a thing of beauty. As long as - as stipulated in sub-clause 3(C), section F of the material contracts notes in the product disclosure statement - it is disclosed that your savings may be channelled to an entity in the Cayman Islands via a related party of the scheme promoter in Hong Kong, then the...
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  • doyla66
    doyla66 says #
    Yes please, Denise.
  • Denise
    Denise says #
    Time to go to the Human Rights Commission re abuse of regulatory powers by FOS, COSL and ASIC and the dis- empowerment of consumer
  • Denise
    Denise says #
    Time to go to the Human Rights Commission re abuse of regulatory powers by FOS, COSL and ASIC and the dis- empowerment of consumer
  • Denise
    Denise says #
    Time to go to the Human Rights Commission re abuse of regulatory powers by FOS, COSL and ASIC and the dis- empowerment of consumer
  • doyla66
    doyla66 says #
    Brilliant expose! Thankyou to Michael West and to Arree and Denise for sharing it. What a horrifying prospect - back to the futur
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THE AUSTRALIAN GOVERNMENT MUST SAVE OUR HOMES  Government’s in Democracies, such as ours, are elected to represent the people. They are not elected to represent the International Banking Scams. These have so recently threatened almost every Western Democracy including our own in Australia. In USA it is called the Sub Prime Scandal. We want our Government to step up to the plate on our behalf as, I am sure, others wish their Governments to do. Now is your chance to drive some meaningful Change. Like other Nations, we have documentary proof that our nation's poorest people are being mired in debt by Major Banks.  Documents hidden from consumers show that Loan Applications have been fraudulently tampered with after signatures obtained. Lenders using Computer programmes to exaggerate incomes, approving loans to low income people.  Spain, Greece, America, Cyprus, Iceland, UK and so many other countries are infected. Whole economies are under threat. Banksters are...
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  • doyla66
    doyla66 says #
    BFCSA have done a great job of getting the real stories into the public domain. It's more of a challenge getting mainstream middle
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This has to stop:  The Financial Ombudsman's Service gives the Bankster Lawyers 28 days to respond to a FOS letter.  Banksters pay FOS $5000 per victim for FOS to survive.  FOS then give victims 7 days to respond to FOS letters. Dear Mr Shane Tregillis....please fix this problem.   BFCSA Members suggest that in order for victims to be treated equally and fairly............EQUAL TIME for response, should be mandatory for all parties. Could all members please write to Mr Tregillis and ask for this inequality to be rectified immediately, cc Minister Bill Shorten, since he is in charge of EDR licenses and responsible for all things crooked in the Banking and Financial products sector. This email address is being protected from spambots. You need JavaScript enabled to view it....
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  • doyla66
    doyla66 says #
    I have just been in contact with FOS to find out if our bank had responded. My case manager went on to tell me he had not had a ch
  • doyla66
    doyla66 says #
    Just shows how haughty the banks have become. Between them they have a $50-100 billion problem. That is fraud on a massive scale.
  • doyla66
    doyla66 says #
    When a bank refuses to meet with a Senator, they are truly admitting their guilt. This should be mentioned at the Senate enquiry i
  • doyla66
    doyla66 says #
    Senator John Williams tried to arrange a meeting with the CBA, himself and us. CBA REFUSED. They know FRAUD has been committed, so
  • doyla66
    doyla66 says #
    More of the CBA's superior customer service? I've had a few rounds with their Complaints handling people over the last few years.
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I was reading FOS Circular Issue 12 - Summer 2012 - Disputes about low doc loans.    It got me thinking ....  can we really "trust" FOS or COSL staff to have the necessary expertise to deal with such SERIOUS matters raised in our COMPLAINTS, which we have lodged against their own members? "What happens when the dispute comes to FOS?" This type of dispute is managed by staff with expertise in credit-related matters, who will consider whether it was appropriate for the lending institution – the Financial Services Provider (FSP) – to have lent the money. If we conclude that it was inappropriate, we will consider what loss the applicant has incurred as a result of being lent the money. Our aim will be to put the applicant in the position they would otherwise have been in, had the credit not been granted. To do this, we will consider the purpose of the loan, how the loan...
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  • doyla66
    doyla66 says #
    No wonder ASIC says there are no systemic issues - when COSL does not have to identify their member/s
  • doyla66
    doyla66 says #
    FROM COSL’S POSITION STATEMENT Issue 7 2012 4 What we do when we identify a systemic issue or serious misconduct 4.4 Except in e
  • doyla66
    doyla66 says #
    FOS,s statement "if we conclude that it was inappropriate" that is to lend . Wow isn,t fraud ie. Altering incomes, forging signat
  • doyla66
    doyla66 says #
    Our FOS case was handled by an ex bank manager. I remember distinctly our case seemed to take a turn for the worst. I had made com
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Man of mystery ... Peter Drake.
Date March 25, 2013 by Michael West Business columnist . What do you tell a person who just lost their life savings in a managed investment scheme; a mortgage fund, a plantation scheme, a Banksia, a Westpoint or a Storm Financial? Too bad? Caveat emptor? Do you tell them they should have inspected the Material Risks section on page 37 of the Product Disclosure Statement more closely? Perhaps there is something to be said for the principle of caveat emptor, for avoiding the pitfalls of the over-regulated nanny state. But caveat emptor is hardly the cure for this chain of corporate collapses. Most people rely on trust when it comes to their investment decisions, trust in their financial adviser, trust in the system. Most people are not savvy investors and are entitled to expect some protection from fund managers. They are entitled to expect that if their managers break the rules and...
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  • Denise
    Denise says #
    ASIC loves probing into the ashes of other people's lives. Its like trying to find the mechanical fault after the train wreck! A
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Posted by on in Corrupt Regulators
When the FOS finally respond after we vehemently rejected their initial "findings" and assuming their second attempt is no better than the first - we would expect the next step to be the bank starting repossession action. No repayments have been made for three years and the bank has not once demanded payment or threatened recovery.  We take this as a demonstration of the strength of our case.  We have also read that banks that know they are in the wrong sometimes never start recovery - the dodgy loan just sits there increasing with this interest. If this happens, we will be forced into starting action against the bank ourselves to bring the matter to a head. Distrusting solicitors almost as much as banks, would be unrepresented in this application to the Court. Our question is, when the Supreme Court Judge is presented with documented indisputable evidence of fraud by the...
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  • doyla66
    doyla66 says #
    Make no mistake the banksters knew exactly what they are doing and have done. It was to be and is the SCANDALIST CRIME OF THE CENT
  • doyla66
    doyla66 says #
    Court is extremely harroowing and disappointing believe me I know have been through it.Nab bring out the big guns. It doesn,t see
  • doyla66
    doyla66 says #
    Hi Gina I'm in the same boat as you 3 lenders all in the hands of FOS early stages awaiting a case manager to be appointed..Malad
  • doyla66
    doyla66 says #
    they used us all Maria for their own greedy financial gain, they are nothing but thieving mongerals....arrest those bastards that
  • doyla66
    doyla66 says #
    Hi Dawn, Sorry cant offer you any advice at this stage as our case is still at the very early stages awating for a FOS case manag
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