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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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BFCSA: Australian Sub Prime Scandal - the 2nd Big Reveal. Stay tuned.

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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 MARK II is just around the corner.  This email address is being protected from spambots. You need JavaScript enabled to view it.



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  • doyla66
    doyla66 Wednesday, 05 June 2013

    Bullies, busts and booms - are we only pawns in a game for our political leaders?

    I've often wondered how the Banks coerced, convinced or conned so many so-called intelligent, educated, law-abiding and aware people into co-operating with their game plan. Regulators, government, staff, brokers ... around the World.
    As a consumer I was naturally wary of any major contract. I know now some of what used and done to me to ensure my co-operation. Under normal circumstances that would not have occurred. Banker-Broker certainly picked their mark and their timing.
    But to blind and bind so many using these techniques would have been too difficult, too time consuming ...
    Trying not to sound like a nut case.... but did they put something in our water supply?
    Did they use aerial spraying of mood altering drugs?
    Were we guinea pigs for so many experiments and changing Government policies that in the end we just gave up and let them run over us and use us any way they wanted?
    I mean, we're still being good and collecting the GST (tax) for the government over a decade later unpaid. That's slavery. Yes, we know. But we have to. Do we??

    Australians were said to have a love of easy credit. With the media, government and regulators all saying it and not showing any disapproval or cautionary advice at the same time, plus masses of advertising everywhere the lessons of our parents about not trusting the Banks and the Depression were forgotten.
    The "Recession we had to have" increased unemployment, interest rates skyrocketed and frightened Australians either dropped out or learned to be more compliant so they could keep their jobs.
    Within the Banks those who didn't get on board with the new systems, the risk free credit and de-regulation as sales people replaced accounts, those who didn't fit left the industries.
    Easy credit gave us relief from the financial stress.
    Were we being manipulated quite systematically, through the highs and lows, through "monetary policy", and so on, with a 20 year cycle, a whole new generation coming into the game each cycle?
    I've never studied this at school or beyond - like many I just lived through it and then looked back and wondered ...

    Looking around the internet increasing numbers of Australians want to send the Regulators to the Gulag or the firing squad. Same for the Bank bosses, who flaunt their obscene income and bonuses. Australians hate that intensely.
    Aussies everywhere have just started to wake up and realise how bad the situation is. Some Australians are going to be very angry indeed as it sinks in how they've been exploited and conned. Many lack the energy to be angry or can't see the point - depression and anxiety are on the rise, not surprisingly.
    It's a dirty situation, made worse by all the lies about Australia being fine, in good shape, not like the other countries, etc. Despite this Aussies have been tightening their belts while the loony-tunes brainwashing continues to be broadcast from Canberra. We don't believe them - and many don't know what to believe. Confusion is growing ...

    Digging up the evidence, cleaning it up and sending it on ...

  • doyla66
    doyla66 Wednesday, 05 June 2013

    I remember current affair programs depicting happy people using equity to buy
    investment properties, now i'm wondering if they were actors being paid by the
    banks to fool us into doing the same for our retirement, and also being able to help our kids.
    They had it all worked your future with low doc loans....yeah right!
    We'll help ya, even lend you money to pay us back with. don't get copies!.......... snicker, snicker, suckers!

  • doyla66
    doyla66 Wednesday, 05 June 2013

    They were actors, Maria. Occasionally they used real clients but if we had watched their eyes we would have realised that they were "scripted" and some were reading off the large sheets held next to the camera. They practiced it until they sounded a bit more natural.
    Same for the "customer service"/sales staff at Banks. Abnormal human behaviour doing real damage to other human beings. I've heard the bonuses and incentives were so good Bank staff and brokers sold every member of their extended families into the myth of happy equity release. I wonder if any of the staff have woken up yet and realised they were also conned and abused by their Bank bosses? A very manipulative work environment. Australia will be pcking up the pieces of shattered lives inside and outside the Banking, Finance and Investment industry for many years to come. Who will foot the bill for the damage?
    That is ... unless our government is willing to listen to Steve Keen.
    Will we get "quantitive easement" (money printing) like the US to kill off our individual debt levels?

  • doyla66
    doyla66 Thursday, 06 June 2013

    s.25, Code of Banksters' Practice: "Get your (unsuitable) facts first, then you can distort them as you please."--Mark Twain

  • doyla66
    doyla66 Friday, 07 June 2013

    .... 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 source documents, refinance all the value out of the oldies' homes until they went to nursing homes, our whole lives run on the never-never while we kept pouring money into the Bank coffers who got bigger and bigger as they took over the world .... came unstuck .... and more plans to cover up were devised ...

    ASIC/Bankster "adjusted" the effective "Statute of Limitations" at Planet FOS - more cover up
    And then Treasury decided it was not in the national interest for borrowers to see their own paperwork - Govt and bank cover up
    Lawyers decided it was not in anyones interests to have loan disputed at FOS - give them to the lawyers so they get a cut out of this Loan Fraud bonanza too!
    Whistleblowers said "What!? Here's everything we have about the truth" - and were then stressed, punished, ignored, vilified and jailed - ASIC cover up
    Former Bank employees, Brokers, politicians and other insiders said "How can we help? This is what we know" but ASIC couldn't/wouldn't see a problem - Industry wide cover up
    Govt raved about RMBS but ditched their lucrative investment in it - Govt cover up
    ASIC said "where is the evidence" and then "that's nothing" and then "we received no evidence/17 items/form letters/can't take this seriously...." - ASIC confusion
    Media said "what about Hockey's relly and all the rest of the whistle blower hush up (CBA internal dispute resolution) victims"
    Williams and Cameron said "Kell - please explain what ASIC did for 5 years"
    Medcraft said "I'm off to Russia" and "Day's flying out at well" - it's all yours, Kell - see ya!
    Once again Denise reminded them "Widespread Loan Fraud means RMBS magotted to the core - here's the hard evidence" - and the people said "Yay!!"
    ASIC replied "BFCSA a gossip site" and "no investigation"
    So Denise rolled out more and more evidence so the Australian people could see for themselves and decide who was telling the truth ...
    And all the borrowers said "Yes" and offered up their thanks, their horrible paperwork, mindless letters for the world to see ...
    More to come ...
    And I'm soooo looking forward to the Royal Commission! :D:D:D

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