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BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.


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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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Check out ABC The Drum article last Friday 1st April by Stephen Long and he hit the nail on the head. Attention was drawn to Ombudsman Decision maker Dr. Justi Tonti-Filipini who stated she took notes of a conversation that never took place, in one particular case which went to the Supreme Court. Further, CBA fund FOS to the tune of $5000 per case...but NO BIAS??  How many cases per year? The Financial Ombudsman Service has serious questions to answer over how one of its senior officials handled a contentious matter. But so far no proper answer has been forthcoming, writes Stephen Long. "Take detailed file notes," the Financial Ombudsman Service advises clients who use financial services. "Contemporaneous file notes of conversations or actions are solid gold when a dispute comes to us." (Their emphasis.) Oh, the irony. Earlier this month, the ABC revealed that one of the most senior officials in the Financial...
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  • Jetfighter
    Jetfighter says #
    FOS rates all banking file notes as indisputable truths, anyone can write something but that does not make it truth.
  • GRAM236
    GRAM236 says #
    Just a mind blowing discovery out of documents that FOS held on our case files: Emails written by FOS TO CBA suggesting that CBA
  • Jenny L
    Jenny L says #
    Same goes for COSL bring on a Royal Commission!
  • Duped
    Duped says #
    One of our case managers said the same things, "banks just don't deliberately put false information on lafs'. I was thinking to sl
  • Aries
    Aries says #
    My case worker at FOS told me he believed the bank and not me.....and i was telling the truth... Aren't they supposed to be non bi
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FOS repeatedly have stated "The FSP is not liable for the conduct of the Broker!  Even though FOS agree that a  payment of commissions has been made to the Broker, and the Brokers assistance with the submission of LAF - but they agree with the FSP, that the Broker is now classified as a "MORTGAGE ORIGINATOR", and that any other factors, as stated above, are irrelevant and insufficient to show that the Broker was acting as the FSP's agent.  Total disregard for the many Court Decisions and precedents already validated. Further, FOS, agreed with our complaint to St George Bank, that the loan in excess of $400,000 should never have been approved, had the FSP acted responsibly when it advanced the loan.  We quote "FOS found the FSP did not comply with good industry practice when it approved the loan.  If it had done so, it would have realised that the information about the Applicants income, upon...
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  • Jetfighter
    Jetfighter says #
    If only they would stop and look, none so blind as those who choose not to see Rob and this will only favour the banks. FOS claim
  • Rob
    Rob says #
    FOS have told me that client manager is going to inform onbudsman that she has found maladministration with line of credit CBA gav
  • kddeed
    kddeed says #
    I really feel for you NABbed Nanna, it's sounds a horror of a story. I agree they are all bastards!
  • Denise
    Denise says #
    Tell us YOUR determination horror stories and FOS and COSL dastardly experiences. [email protected]
  • NABbed Nanna
    NABbed Nanna says #
    The FOS has actually gotten worse over the years. In 2010 we had a maladministration Nab case with FOS which lasted just over 12 m
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