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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Something is rumbling in this camp this week....... Peter Kell of Australian Securities and Investment Commission   You said in 2003, you "hold concerns about so called "wealth creation" SPRUIKERS.  You repeated this in 2004 after the Henry Kaye debacle and LOSSES. In Parliament four weeks ago you Mr Kell,  stated: "we have concerns about SPRUIKERS."  I continually warned your superiors about 110 active spruikers  as did NEIL JENMAN at that time.  ASIC ignored the fact that people were being spruiked into a lifetime DEBT. The target market was  MR and MRS AVERAGE DECENT CITIZEN....Mums and Dads on modest incomes.  Mr Kell, you are the one that spoke again at subsequent consumer protections seminars.  Please tell us Pete, why did ASIC allow this game to keep in play????? And which bank was responsible for nasty equity loans to Mr and Mrs Average stitching them up with LOW DOCS?   Ah YES MACQUARIE BANK IS first cab off the rank.  No...
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Denise Brailey has proven that she has been doing alot of ASIC's work for many years, all on a zero budget, for the benefit of ripped off Consumers! Denise estimates there are 100,000 "dirty" loans - around $57 Billion dollars worth!  ASIC knows exactly what has, and still is, going on. Mr Medcraft was in the thick of low doc lending back in America and with his good timing ??... landed back in Australia, and with the help of some powerful friends, is now in charge of ASIC with a $700,000+ salary. We Taxpayers want our money back. ASIC doesn't appear to be interested in victims of Bankster fraud at all.  FOS AND COSL have no power. OUR Politicians don't appear to have the WILL TO DO ANYTHING either.. At least we have the power to vote our Politicians OUT of a job next election.  Social media is a powerful tool and BFCSA is...
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  • doyla66
    doyla66 says #
    The media need to get involved here in a big way and need to constantly bombard the public with bad stories about the bank's crimi
  • doyla66
    doyla66 says #
    What is wrong with ASIC and the Federal Government when they are both willing to turn a blind eye to this massive corruption and f
  • doyla66
    doyla66 says #
    I just wanted to make BFCSA members aware of this continual ASIC COVER UP. After one of your recent blogs where you have had a mee
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Currently under Financial Ombudsman's Terms of Reference they are not able to consider disputes where the value of the claim in the dispute exceeds $500,000 As the value of our dispute is more $1,000,000, our dispute falls outside FOS Terms of Reference and so they are unable to consider our claim. We had 30 days to write back with our response. We adjusted our claim to $500K to give us more time. Correct me if I'm wrong, but I now believe that FOS will only OK around $280,000.  So what's the use advising consumers via letter of the $500K limit, if the most we can expect in compensation is just $280,000? FOS, THIS IS NOT FAIR TO CONSUMERS AT ALL !     THE BANKS TRICK US INTO THESE ASSET BACKED LOANS and CHARGE US MORTGAGE PROTECTION INSURANCE FEES TO PROTECT THE BANKS!  MOST MORTGAGES IN THIS DAY AND AGE ARE OVER $500,000 AND...
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  • Denise
    Denise says #
    Maz - ASIC is the regulator for the two EDR licences. Write to ASIC and state: If no limits to dirty bank loans, then no limits to
  • doyla66
    doyla66 says #
    Hi Aaree, our initial claim was for almost $1,000,000 again like yourself we fell outside FOS's juristriction. In order to keep ou
  • doyla66
    doyla66 says #
    Ali is right, FOS only deal with 'DISPUTES'. FOS do NOT deal with CASES OF FRAUD. ALL of our cases are cases of FRAUD, THEY ARE NO
  • doyla66
    doyla66 says #
    There should not be any limit put on the claim, fraud is fraud no matter if it's $100 or $100.million. It's simple - the fraudulen
  • doyla66
    doyla66 says #
    They don't care about consumers.. nor our politicians that's why people power HAS TO WIN THE DAY!! Im hoping by the time an invest
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ASIC just simply does as its told whilst Treasury continually state it acts autonomously.  What can we say?  WE are the end users of the system and know the truth of the matter.  Have a read of last years ASIC Annual Reports tabled in Parliament.  I do not have time.  It will show that ASIC receive over $700 million in funds from corporate directors, companies etc, generated by fees and also outrageous search fees - worst in the world. Its a Milking Machine in the banking and finance sector.  Treasury then "allocate a budget" for ASIC.  All revenue flows to Treasury as a CASH COW, then say average $400 million is fed back to ASIC to run six useless offices and do very little for the idea of consumer protection.  Our claims are evidenced by the escalating losses in the billions of dollars in the mortgage loans scandal by pensioners and low income families and also retirees trapped in the diabolical...
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  • doyla66
    doyla66 says #
    Prime Minister Gillard, why can't you see or why won't you see the mess and the fraud involved in our bank and finance institution
  • doyla66
    doyla66 says #
    This Australian banking scam is going around the world quicker than a dose of gastro in a chinese takeaway. Family & friends in t
  • doyla66
    doyla66 says #
    "Consumers are left with no funds to defend themselves or fight back and the bandits escape with the loot." All our regulators are
  • Denise
    Denise says #
    Ah yes, 526 hits world wide in past 24 hours and FLAG list of countries is growing as others "catch on" to the truth down under.
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Posted by on in Corrupt Regulators
The 4 Corners Program was an eye-opener, wasn't it? *  The guy said right out loud that he is using new investors' money to pay existing investors' dividends.  P.O.N.Z.I. *  800 sites sold IN TOTAL in one year on the Gold Coast, LM Investments has 800 in one project! *  Like Duh!!  Anyone feel another collapse coming on?   ASIC!  Come out from hiding in the bathroom!  ...
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  • doyla66
    doyla66 says #
    Hi Help At Last, I think using the support of your local MP and reporting the crime to your local Police like Wayne did would help
  • doyla66
    doyla66 says #
    Help at Last, Fos closed our file too because our claim amount exceeded their jurisdictional limit. They wrote us off without eve
  • doyla66
    doyla66 says #
    Ali its so frustrating, isn't it. So where does that leave you now? Are you still in your house? And Gaby I think its almost impos
  • doyla66
    doyla66 says #
    FOS is funded by the banks! They are not an independent body. External Dispute Resolution? This is also wrong with our system! B
  • doyla66
    doyla66 says #
    Well in our case FOS have 'used their discretion to exclude our dispute' and have told us it will be better to be brought up in co
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  “Victims of Financial Fraud” (Incorporated)   PRESS RELEASE 5th March 2013                                                                          Regarding: Recent ABC NSW program (15th Feb 2013)   regarding Trio Capital and lack of investigation by   Australian authorities – Call for a Government response   The "Victims of Financial Fraud" (V.O.F.F.) Inc. call upon the Members for Robertson and the Chair of the Parliamentary Joint Committee (Deb O’Neill, MP), Cunningham (Sharon Bird, MP) and Throsby (Stephan Jones, MP) to respond and speak out on behalf of those investors who remain uncompensated in the largest superannuation fraud in Australian history. Very serious recent allegations have come to light regarding inadequate or in fact no investigation by either ASIC, AFP, or the ACC as to other persons potentially part of the criminality, and most importantly, the whereabouts of the fraudulently obtained Trio Capital investments. Further, it is alleged that $74m was in an Australian bank account just weeks...
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  • doyla66
    doyla66 says #
    I gather it's that sort of thing on the grandest scale that APRA keeps under wraps for fear of destabilising our banking system an
  • doyla66
    doyla66 says #
    The continued silence from the Government on these matters is no longer acceptable. This FRAUD must be stopped. People responsibl
  • doyla66
    doyla66 says #
    $74 MILLION "was in an Australian bank account just weeks before a whistleblower notified our Regulators that Trio Capital was li
  • doyla66
    doyla66 says #
    Just another Bankster Fraud to add to all of our Loans that have been doctored and their fraudulently altered legal documents that
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WELL DONE STEPHEN LONG FOR THIS EXPOSE:  featured PRIME TRUST - 26 Highly Illegal Managed Investment Schemes in 2001 PrimeLife investigation, - LM INVESTMENTS promoted by garden guru Jamie Drury; and BANKSIA SECURITIES debacle In 1998, I campaigned for tighter laws for ASIC to use to beef up existing "new" 1996 Corporations Law provisions regarding "Prescribed Interests" whereby supposed protection of consumers was seeing so many retirees lose their life savings within 10 days of receiving superannuation lump sums - and do not fall for annuity scams....... The Australian Securities Commission had achieved nothing in regard to prosecutions despite the new 1992 laws designed to protect consumers.  Thousands of aussie retirees lose their life savings Decades before, due to the banks triggering the Great Depression via Bank Fraud and Greed and citizens suffering, people understandably did not trust banks and for the next forty years they kept tins in the back yard with life savings. The Corporate...
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  • doyla66
    doyla66 says #
    BANK OF QLD BANK - SCAMMERS of the biggest kind, to get you IN. FOS, supposed to protect the consumer, HWL EBSWORTH, are they just
  • doyla66
    doyla66 says #
    It is absolutely shameful how these scum can continually keep getting away with deliberately ripping off decent Australians. Then
  • doyla66
    doyla66 says #
    I watched the 4 Corners show last night and it seemed like someone had their hand up Mr Medcraft's back, making his mouth move: "I
  • doyla66
    doyla66 says #
    I was uncomfortable watching ASIC's Greg Medcraft "smirking" in his interview with Stephen Long. Well Done Stephen Long and your
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Dr John Laker, Head Bozo at Australian Prudential Regulation Authority ("APRA") It seems we cannot see Government induced legal remedies that deal with slack or stupid (or corrupt) regulatory chiefs.   Dr Laker said he would would love a piece of paper saying "thou shalt not be stupid."   Laker stupidly forgot to advise Federal Government that RMBS packages could well be tarnished by the 2008 revelations of foul practices in residential backed mortgage securities on the world stage.  Taxpayers own billions of dollars of worthless "income streams."  If you did not know that in 2008, shortly before the stunningly stupid commitment to purchase RMBS Packs by the AOFM, it’s because all three chiefs admitted no audits took place and never gave that little gem a second thought!!!!  Really?  You read all about America and then failed to look under the bankster rugs here in Australia?   Here is the piece of paper you crave Dr John Laker: Thou shalt not...
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  • doyla66
    doyla66 says #
    To date the AOFM has invested (not spent) approximately $15 billion. This has been invested in home loans for mums and dads who w
  • doyla66
    doyla66 says #
    Why were there no audits authorised? was it because they all knew they were dodgy? and why did you not take any notice of the info
  • doyla66
    doyla66 says #
    Time to put a stop to this blatant, systemic corruption in the Australian banking & finance industries. This cover up cannot be al
  • doyla66
    doyla66 says #
    EXACTLY! Well said Denise. Our loan was securitized...WE HAVE PROOF STOP THE PRESS! Mainstream media will NEVER report the trut
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Beware stupidity, watchdogs warn
lBeware stupidity, watchdogs warn by:Scott Murdoch From:The Australian July 13, 201212:00AM Greg Medcraft, left, and John Laker at The Economist Bellwether conference in Sydney yesterday Source: The Australian   TWO of Australia's top regulators have warned that "stupidity" cannot be regulated against, saying the onus is on boards to ensure their corporate governance does not risk a company's future. Australian Securities and Investment Commission chairman Greg Medcraft and Australian Prudential Regulation Authority chairman John Laker told a Sydney conference yesterday that boards needed to carry out careful due diligence before appointing non-executive directors. Dr Laker said regulators and prudential supervisors could only enforce guidelines based on legal and regulatory frameworks. "I can't say, I have a piece of paper that says thou shalt not be stupid," Dr Laker told The Economist Bellwether conference.  "I would love that regulation, but it does not exist." Mr Medcraft, a former investment banker, said Australia's...
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  • Denise
    Denise says #
    Dr John Laker, Head Bozo at Australian Prudential Regulation Authority ("APRA") You stupidly forgot to advise Government that RMBS
  • doyla66
    doyla66 says #
    Mr Medcraft finally admits "...ultimate responsibility rested on a company's board." Every bank that IS dealing in these fraudulen
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Hi everyone,                                  What ASIC, COSL and FOS are really saying to us when we are lodging our complaints with them is:     I truly apologise for the language here, my parents would be very disappointed with me, but in my humble opinion this is what our famous regulators think of us and our complaints. I wish you all a great week-end. Do not give up, keep your chins up and lets make LOTS and LOTS of noise, hopefully in the right places. Cheers, Maria  ...
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  • doyla66
    doyla66 says #
    Thank you for encouragement Maria..federal leaders seemed to be scared of the truth, that is BANKSTERISM is rampant severely hurt
  • doyla66
    doyla66 says #
    Good one Maria! Knowledge is Power! CHARGE OF THE BFCSA CAVALRY!!!
  • doyla66
    doyla66 says #
    We MUST ALL SPREAD THE WORD of what these CRIMINAL BANKERS are doing. Put it on facebook, twitter, e-mail it to ALL contacts - DO
  • doyla66
    doyla66 says #
    What a corker, and sadly it is the truth! But 'they' keep forgetting that there are over 10 million Australians out there and whe
  • Denise
    Denise says #
    You are a rare treasure Maria and secretly your Mum & Dad would be proud of you girl. We are just rolling up our sleeves and gett
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COSL LICENCE MUST BE REVOKED IMMEDIATELY Too many complaints back from our members that COSL are not even attempting to investigate claims.  In two years of testing COSL there has not been one satisfactory outcome. NOT ONE!  COSL is a sham.  ASIC licences COSL to be a miserable excuse for looking after the interests of non bank lenders.   The problem is this: they have no powers according to them.  They cannot ask brokers for a copy of the Loan Application Form as they may be shredded.  Now where have we heard that before? How can we at BFCSA, as Australia's foremost advocacy service on bank fraud, in good conscience  suggest people try COSL?  That's what ASIC do in letter dated 14th February, knowing COSL only favour the banks. Its a sham EDR service.  The COSL Licence ought to be cancelled immediately for this reason: ITS A SHAM IF PEOPLE BELIEVE AND EXPECT THEIR COMPLAINTS WILL BE PROPERLY...
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  • doyla66
    doyla66 says #
    Maybe COSL will prove us wrong ?? Just heard back from COSL again. Our Case will now move to the NEXT STEP - Conciliation and Inve
  • doyla66
    doyla66 says #
    ENOUGH IS ENOUGH. These CORRUPT regulators and their CORRUPT executives need to be investigated for CRIMINAL conduct. Bribery must
  • doyla66
    doyla66 says #
    Mr Medcraft from ASIC definitely knows how the banking system works and is playing games with his buddies at our expense. ENOUGH I
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Posted by on in Corrupt Regulators
Hi guys, I was just informed yesterday the COSL has come with a final decision in my case and this is final. If I want to appeal I have to do so through the courts. I  was sent a lengthy letter to tell me basically that they have ruled  in the broker's favour. I telephoned to ask to talk to someone in regards to an appeal on the decision only to be transferred to a lawyer (Scott) who amongst other things told me that their decision is just a matter of personal opinion (Case manager's personal opinion) because COSL has no powers or jurisdiction in examining documents produced to them and they cannot request the brokers to produce originals as the brokers have the right to destroy the original and only keep copies. WOW!!!! They are very quick to point to me that my signature is on those documents but when I dispute those documents as...
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  • Denise
    Denise says #
    COSL: Can Only Side with Liars - hmmmm it fits [email protected]
  • doyla66
    doyla66 says #
    Corrupt. Our Scamming Lenders.
  • doyla66
    doyla66 says #
    I wouldn't worry about withholding any names Maria - name and shame them all. They know right from the start that they cannot help
  • doyla66
    doyla66 says #
    Completely Obsolete Scungy Liars
  • doyla66
    doyla66 says #
    COSL has been set up to DECEIVE people into thinking that they are protected when they really have NO PROTECTION at all! THEY ONLY
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Posted by on in Corrupt Regulators
THE Australian Office of Financial Management has sold $1 billion of Treasury notes that mature on May 24 2013. The Australian Office of Financial Management (AOFM), which conducts bond auctions on the behalf of the government said the notes were sold for a weighted average yield of 2.9055 per cent. The sale attracted bids that totalled $6.490 billion, giving a coverage ratio of 6.49. Story (STM:  The AOFM has said previously that they have been intending to sell these products (RMBS's) to overseas investors, but do the new owners of these notes know that up to 10% of the loans making up their investment, are toxic, fraudulent loans, as discovered at the August Senate Hearing Committee? And with mortgage defaults on the increase, the interest that home owners pay to their lenders, that is then passed onto the investors as dividends on these products, is probably only temporary...   I wonder how...
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  • doyla66
    doyla66 says #
    A SENIOR National Australia Bank executive expressed grave concerns about the credit market in an obscenity-laden email sent in Fe
  • doyla66
    doyla66 says #
    Believe the banksters spin at your own peril!... Too late for this lot of overseas investors ...
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Hi Denise what about Philip Field after getting a ruling in writing 5 out of 6 loans guilty Mal Admin of Lending the 6th ruled upon by P F  TWICE in the Banks favour even after howling protest letters from our CPA a Forensic CPA and a letter from Stuart  Levitt it seems the only way we can get his BOQ sunglasses of is in front of a ROYAL COMMISSION perhaps ....
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  • doyla66
    doyla66 says #
    Philip Field needs to be exposed as the corrupt Chief head of Fos and he will have his day.
  • doyla66
    doyla66 says #
    It just seems a fair go in this country is getting harder to achieve and I thought FOS was probably the last resort of finding a g
  • doyla66
    doyla66 says #
    Hi Greg. Philip Field did the same to us . I believe that he is totally corrupt and is totally in favour of the banks. We also got
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ASIC ADMIT FRAUD. OMG Wakey Wakey at last!!! ASIC is admitting the "F" word exists but they are still blaming brokers.  IT'S THE BANKSTERS you useless dunderheads.  KPMG agree - oh yes auditors for Westpoint....and a few other dodgy collapses.  MFAA know its the Banksters (only three brokers per year prosecuted). MFAA Members know it’s the Banksters and ZIPPY SKIPPY .  Naylor states its a “rare fraud" ...... Philip just try and mouth: "a whopping $120 Billion in dirty loans and you would be closer to the mark!" The HIGH COURT agreed its the BANKSTERS:   22 June 2012.  It's only taken ASIC 2001 - 2013 to wake up from their 12 year slumber job and they are still blaming brokers.  One prosecution last year under 2009 NCCP laws.  WOW a milestone for ASIC.....took lots of effort there chaps.  330 Investigative staff to squash one broker like a bug!    Please Prime...
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  • doyla66
    doyla66 says #
    Asic are fully aware that they are committing a crime by covering for the bank's dodgy loans thus thousands are being evicted and
  • doyla66
    doyla66 says #
    ASIC are a totally corrupt organisation that MUST be investigated for their corruption. These scumbags have had too many backhande
  • doyla66
    doyla66 says #
    EXACTLY, well said all. Just posted request for Royal Commission to Prime Minister, Treasurer, Tony Abbott and MP Truss... and AS
  • doyla66
    doyla66 says #
    Excellent posts Neil. By the way..."ASIC a law unto themselves..." Metcalf and his bent buddies didn't recon they had to deal with
  • doyla66
    doyla66 says #
    dear members before imformation on low doc-no doc loans came to light,we thought our bank was ok(what gullible fools we wer
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" ASIC Commissioner Peter Kell talks exclusively to Australian Broker TV journalist Donna Sawyer about the regulator's plans to take a hard-line approach to non-compliance and its key enforcement priorities over the coming months" CLICK ON LINK http://www.brokernews.com.au/tv/asic-to-crack-down-on-mortgage-industry-148407.aspx  AND HERE IS AN EXTRACT FROM ANOTHER STORY IN  BROKER NEWS - Banks 'stealing' from brokers By Mackenzie McCarty | 8/02/2013 8:00:00 AM | There are serious problems facing the Australian mortgage broking industry, says Mortgage House managing director, Sarah Roberts, and it’s time for brokers to join forces. Roberts tells Australian Broker major banks are ‘stealing’ from brokers by making it ‘easy’ for clients to seek out and apply for products online and that the industry risks fading away if action isn’t taken. "  GO ASIC !!    YOU ARE PLAYING RIGHT INTO THE BANKSTERS HANDS...  ENSURING THAT THE BROKING INDUSTRY WILL FADE AWAY...
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  • Denise
    Denise says #
    Peter Kell of ASIC has been bleating about "we will be taking hard line" since 2001. Peter, what about taking a hard line with BA
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Posted by on in Corrupt Regulators
Does this prove that RAMS is a source of outside funds because they have NONE! And they r souley a securitization chain ab initio, because they are only regulated by ASIC hint hint!! Don't they only regulate securities????????   Dear Ms Thank you for your email of 14 August 2012 about RHG Home Loans.The role of the Australian Prudential Regulation Authority (APRA) is to regulate authorised deposit-taking institutions (ADIs) such as banks, credit unions and building societies and insurance companies, some superannuation funds, and friendly societies in order to promote the prudent management of financial institutions. From the information you have provided it is unclear whether APRA is the appropriate agency to assist you. RHG Home Loans is not regulated by APRA, rather they are regulated by the Australian Securities and Investments Commission (ASIC). You can also contact ASIC online atwww.asic.gov.au or by phone on 1300 300 630. I trust this information is of...
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  • Denise
    Denise says #
    Dear Prime Minister: Just who is regulating the regulator? Who is ordering ASIC to look the other way and simply blame the dumb
  • doyla66
    doyla66 says #
    RAMS is R egistered A ustralian M ortgage S ecurities. Our RAMS WBC dispute is being handled by FOS. This extract by RAMS from 9
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FOS is on overload and warning consumers that investigations may take a year or two.  In fact it may take up to a year to have an investigator appointed.  In all similar cases you need to ask for a proper investigation. One case was allocated a number on 26 July 2012 # 292446.  Now we notice that another case number allocated in mid October # 300444. The difference: 8000 Case numbers allocated over 12 weeks  = 666 per week 5 days a week = 133 new cases pouring into the doors of FOS, per day  The Australian Federal Government does not see a problem, when 32,000 people per annum, are complaining about our major banks?   Are the Members of Parliament that stupid? Why is it that BFCSA can see a problem and the Government is in denial?  This is our GFC.  We take a while to wake up here in the South.  So many loans where forgery of signature and fraudulently tampered with Loan Application Forms...
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  • doyla66
    doyla66 says #
    Spot on Maria!!
  • doyla66
    doyla66 says #
    Seeing our faces wouldn't make a shred of difference to the mongrels Ali. All they care about is how much they can rip us off for.
  • doyla66
    doyla66 says #
    So sorry Arree - leukemia brought on by long term stress i'll bet and all because of those evil people in high work places. My hub
  • doyla66
    doyla66 says #
    FOS recently advised that they recommend we be allocated an Investigator, but it could take several months due to their work load.
  • doyla66
    doyla66 says #
    Read the website Wayne and thankyou - it's just as we suspected of late, but worse than we ever imagined at the start of this jour
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Posted by on in Corrupt Regulators
Hi everyone, This may be my last blog as everywhere I turn and mention that my loans were granted in my Company's name I am told I have no rights, I am on my own and I should have known better as nobody can force me to do what I did not want to do. I am tired!! The lenders brought onto the mix by my ex-lawyer were non-bank lenders and private lenders. ASIC cannot help me because they do not regulate lenders lending to companies,  COSL cannot help me they are closing my file, I still have a case against one of the lenders with the FOS but I was already cautioned by them that even though it is obvious the lender colaborated with my lawyer, because the loans were given to a company I should not put my hopes up, the lender is not regulated when lending to a company he can do as...
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  • doyla66
    doyla66 says #
    If this is any help to you Maria, I find it useful to write a timeline of just the facts in point form. Then I approach each point
  • Denise
    Denise says #
    Maria please do as I suggest and report the lawyer to the Qld Law Society and the Qld Legal Practitioners Complaints Committee and
  • doyla66
    doyla66 says #
    try the legal practice board to get action against the lawyer. are you a guarantor? usually the bank requires an individual to gua
  • doyla66
    doyla66 says #
    Maria, do not give up just yet. I haven't & I have been well & truly done over. Anger against injustice keeps my fighting on. I wa
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Well, well, well. Today I am joining the  rest of you dear people that were told by COSL (in a 14 page letter) to piss-off. I was told to go and ask for free legal advice from Caxton Legal centre to have the matter heard by a court or other tribunal. Though I was not given the opportunity to respond to anything "their member" sent them apparently on the 14th of November, the lady in COSL kept reffering to this letter, (which to date I did not see); COSL made their decision to close my file based on the broker's allegations contained in this letter. In other words they have sided with their member. My question to anyone who has more knowledge in these matters is: Doesn't COSL have a conflict of interest when hearing a  complaint against their own members? In my case it looks like COSL sided with their member before they offered me the opportunity to reply to his response. I would not call them...
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  • doyla66
    doyla66 says #
    Natural justice affords you the right of reply. This is where Denise can help you. Funny thing is, we can all see the conflict of
  • Denise
    Denise says #
    Big Mama you are a member of BFCSA - you MUST urgently send COSL letter to me. That's why you are a Member. Readers cannot advis
  • doyla66
    doyla66 says #
    JUST AS I HAVE ALWAYS SAID, THESE EDR'S LOOK AFTER THEIR MEMBERS BECAUSE THEY ARE THE ONES WHO PAY THEM, SO WHY WOULD THEY BITE TH
  • doyla66
    doyla66 says #
    How ridiculous of COSL NOT to allow you, the consumer, an opportunity to read their Members response before closing your file! In
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