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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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BFCSA: Australian Federal Police, Dear Mr Negus

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Dear Mr Negus

Your recent denials of any crime being committed against the Commonwealth are disturbingly short sighted.

The problem we have as concerned citizens is rapidly spreading to all agencies of the Federal Government.  On the issue of the now obvious Australian Banking Cartel and systemic issues of fraud: none of our regulatory and enforcement agencies have bothered to  investigate even one of the serious allegations we have raised, whereby up to 100,000 families are genuinely thought to be affected by widespread fraud in lending.

We have gathered sufficient evidence to prove the Australian Banking Cartel involves over 36 Lenders.  It's as simple as "ABC."  It appears all regulatory agencies are in cover-up mode as evidenced by their own testimony to Parliament in August, giving false and misleading evidence in the Senate Hearings into Banking Post GFC Inquiry.  The size and scale of this fraud appears to have permeated the Office of the Australian Office of Financial Management ("AOFM") and certainly the Australian Securities and Investment Commission ("ASIC") and possibly our Federal Treasury.  

Could you please inform our Members, what part of the allegations you consider is unworthy of a preliminary investigation, just on the off-chance the BFCSA findings are correct.  Our Members have sent you over 400 individual complaints against the Banks involved.  Your officers rejected everyone of those cases without bothering to ask one question.

Therefore, it is fair to assume a Commonwealth offence has been committed by you Sir.  At the very least a misjudgment has occurred.  Not one case has been investigated by the AFP and all letters were unceremoniously "given the flick."  We have a right to ask, how can your legal advisers suggest there are no systemic issue involved and no crimes have been committed against the Parliament?  

You say:

"The AFP is the primary law enforcement agency responsible for investigating crimes against the Commonwealth of Australia. From the information you have provided, it appears that no applicable Commonwealth offences have been committed and therefore the matters raised cannot be investigated by the AFP. You may wish to obtain independent legal advice to clarify this."

Yes, the AFP is the primary law enforcement agency in Australia.  It appears we now need to ask the Prime Minister to issue immediate and urgent orders to the AFP to investigate every one of these complaints.  Banksters defrauding clientele in an elaborate scheme has been disgracefully hidden from the public for two decades.  Other agencies may have referred this matter to the AFP in the past.  Given the suspected $80 Billion fraud, our Members would not be surprised if there has been significant "buck-passing" in recent times.  The issue of Low Doc Loans, No Doc Loans and 10% of Full Doc Loans could throw our economy into a spin and seriously affect all members of our Commonwealth.


Let us be perfectly clear about these allegations that you Sir,  have failed to even open the envelope on:-

  1. Tampering of documentation after signature has been taken and without the borrower's knowledge or consent IS A CRIME.
  2. Fraud and Forgery ARE CRIMES
  3. Maladministration in Lending IS A CRIME
  4. Forming a Bank Cartel for the purpose of illegal business IS A CRIME
  5. Lying to the Federal Parliament by either direct untruths or by omission IS A CRIME
  6. Misleading the Australian Prudential Regulations Authority by providing "fudged" data IS A CRIME

Collectively, all of these crimes add up to CRIMES AGAINST THE COMMONWEALTH and if left to continue could collapse the economy.  We all need to practice some consequential thinking here.

The date of the last loan written for an unsuspecting Australian citizen that is known to us:  two days ago by a Major Bank.  These Crimes continue and will continue into the next decade with disastrous consequences.

Deal with it please, as a matter of urgency.  If called upon, I am only to happy to brief your officers in person.  Please provide white-board.

Yours sincerely,

Denise Brailey,  BLS, Ba Crim, Ba PolSc, Adv Dip Acc.




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  • Denise
    Denise Tuesday, 27 November 2012

    May I suggest all readers write a similar letter to AFP Commander Mr Negus as a matter of COMMONWEALTH interest [email protected]

  • doyla66
    doyla66 Tuesday, 27 November 2012

    Why is Mr Negus & the AFP also helping to cover up this CRIME against the COMMONWEALTH, by their deliberate in-action ??? The AFP have a fudiciary duty to investigate these crimes, why are they refusing to ???
    This is systemic fraud being perpetrated by the banks against the People of Australia and their families.

  • doyla66
    doyla66 Tuesday, 27 November 2012

    Aust Banking Cartel: Fraud Production ['racketeering'] ~ is bigger than 'Ben hur"

    1st cab off rank, Mr Negus, send team to conduct face2face with Mr Nichols' AOFM $multi-billion RMBS taxpayer "racketeering" sham!!! It's going to happen Mr Negus, so any delay on your part, will, no doubt be frowned upon --in that event...don't obfuscate, like Mr Nichol...your job is on the line? Don't follow your counterpart in UK --London's Police Commissioner, denied sighting any evidence and let 30bags of evidence rotting in "his" corner --that is, till an "aggrieved" MP sort it's discovery [fact not fiction mr negas] --re phone hacking scandal... Yes, Mr London Commissioner, in bed with Murdoch, was forced to resign...learn from history...this fraud production is bigger than London's "West End, indeed bigger than "Ben Hur' vigilant, your trained to be, I assume?

  • doyla66
    doyla66 Tuesday, 27 November 2012

    They just dismissed our real enquiries without even asking about them. Does this mean that all Fraud committed in Australia goes to local police? Or does it start at local police who then may refer it to CIB?
    What types of cases get AFP interested enough to prosecute? Immigration? Centrelink overpayments? Drug importation? I'm just trying to think of cases where AFP were mentioned....

  • doyla66
    doyla66 Wednesday, 28 November 2012

    Lisa, it obvious --they only do cases that put them in the spotlight of "Underbelly Stories"...

  • doyla66
    doyla66 Saturday, 01 December 2012

    Brilliant, Andy :D
    Hankering for the spotlight?
    Maybe they should give up the pretense of real crime fighting and list their names as "extras" for crime fighting film and TV shows!

    Just like the invisible pubic servants of ASIC were hanging out for some real recognition and real business dealings to make real money: so they turned into a corporation. Nup, that wasn't enough. But they had plenty of opportunity to invest in the rich derivatives market: high risk, they knew, but the returns in the short term were worth it (e.g. Forex which returned 25% per quarter). That's why they wouldn't follow up on complaints properly. And they would know when to get out as well!

    Insider trading, anyone?

  • doyla66
    doyla66 Wednesday, 28 November 2012

    Not sure if any of you have headed over to my blog today - but Patricia Thirup has asked me to post some of her information. It's relevant to fraud committed by the NAB against the Commonwealth of Australia. Her information is explosive, she's been sitting on it for quite a while and she's ready to publish the evidence. And yes, she can back it all up and even though police are investigating her case, they still haven't found the NAB employee at the centre of the scam.
    Not sure what will come of it, but since we can't seem to get a Royal Commission, the police (State and Federal) don't want to act and the banks just keep doing what they like - well, maybe it's time to air the dirty laundry?

  • doyla66
    doyla66 Saturday, 01 December 2012

    Thanks Rosie. Worth reading IMHO. Dirty NAB legals - they'll stop at nothing by the sounds of it.

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