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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: UK and Ireland have NO LAFs and truck loads of fraudulent Mortgages

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Banks Shredding Evidence has become a Global Phenomenon - a master grand slam.  Like the raising of the Costa Concordia, the Banks have no plan B and have been left with their pants down.  In the United Kingdom and Ireland, no victim of toxic loans has been told by regulators or support groups to obtain their Loan Applications Forms and why.  I have been fielding international calls from distressed mortgage holders the past couple of months.

No-one knew these documents existed.  Nor did they know the Service Calculator was used to have the bank program fudge income figures.  The Brokers did not pluck figures out of thin air, as global regulators (members of IOSCO) would have the world believe!  

Now Medcraft is in charge of all Security Chiefs around the world!  What is going on??????  Charles Ponzi must be chuckling around Bank Heaven...................................double up in LAFTER.  The LAFs were hidden until last month and now the banks are busy shredding!!!!

The Banks forgot to tell UK and Irish customers that their loans were approved by a COMPUTER.  The entire MORTGAGE SCAM engineered by the world's largest banks was to lay blame on the hapless consumers when the 30 year unaffordable loans IMPLODED after only FIVE YEARS.

I suggest all United Kingdom and Irish victims of mortgage fraud demand a copy of the LOAN APPLICATION FORM - the faxed copy that brokers FAXED to the Bank - and also demand a copy of the SERVICE CALCULATOR FORM and WORKSHEET

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This is Global evidence of massive fraud across all banks and all nations.................................I suggest you all write to Chairman of IOSCO, Mr Greg Medcraft in New York............................

This came in from a shocked Irish lady last week after we suggested she ask for the LAF:  Bank supplied her with part 2 page LAF (of 11 pages) and part of an unsigned CPR (Credit Process Review) suggesting they have also started shredding!!!  Even the name of the bank on the document is incorrect..........


"Well Denise, you were certainly correct - I am shocked! Please see list of observations outlined below. 

 Thank you so much for your help!!! C

 Are the LAF details (as we call it) handwritten or typed as in computerised? 

"Handwritten on a number of pages but then typed on the remainder of the pages."

How many pages is this document 3 pages or approx 11 pages?  "11"

How many people’s handwriting on the document?  Look closely. "Apart from my writing on the first two pages, it looks as if two other people wrote on the form - the rest is then typed."

Is the date on the document pre approval or POST approval? "There is no date on the documentation and also no signature"

Can you do  LIST OF DISCREPANCIES of incorrect details (re income, assets, liabilities) or exaggerated figures, that was not on the document when you signed it? 

"In the typed section it states that the net disposable income allowed includes €400 room rental allowance per month and in the typed section it has (FTB) to indicate that I was a first time buyer which is incorrect; in the section I completed I clearly stated that the property would be used 'solely as my main family residence' and I was obviously not a FTB as I was selling my other home - Again, there are no dates or signatures on this mortgage application form."

 "There is another interesting thing in Part G: Details of your solicitors - It says - 

Name of Firm: First American Title (Non Switcher Cases) Address Booterstown Hall, Booterstown County Dublin.   

That is totally incorrect and I never gave that information to them!"


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  • doyla66
    doyla66 Thursday, 19 September 2013

    It's a world wide con job - similar problems, similar methodologies.
    When there's enough evidence of this around the world what will IOSCO do about it? Anything? Or will they by just like ASIC and Greg Medcraft.
    How can any straight or decent government permit this criminal conduct to continue?
    By doing so they are forcing the people in each affected country to take the Law into their own hands to the best of their abilities. As most distressed homeowners don't have law degrees and can't afford lawyers these governments who fail their constituents are setting the scene for considerable public protests and in some countries, totally understandable frustration which would boil over into violence.
    What did they think people were going to do? Just let the criminals get away with illegal repossession and the destruction of their lives and then the evidence?
    We must all rise up and fight back in any way that we can, right around the world.
    This common stealing, deception and perjury by organised crime inspired Banksters must be stopped.
    Otherwise they're making a mockery of the Law and of all the rules of evidence. Their regulators who should be above reproach spend so much time rubbing shoulders with the Banking fraternity they become like them - corruption.
    Governance principles have been relaxed to the point where crime is a dispute, to be tolerated and covered up, over and over again.
    Thanks to this blurring of the boundaries between right and wrong greed has wrecked the moral compass of society.
    There is an enormous need for a new Temperance movement to stop the growth of greed and lawlessness.
    There is no Virtue left in a world run by Banksters.

  • doyla66
    doyla66 Friday, 20 September 2013

    Medcraft exposure first port of call

    This bloke is a gangster he has set up the scene for the perfect crime to be completed by his crooked mates. The ALP put this bloke in place headhunting him to control our regulatory system handing him the job, that position as boss of ASIC was not a job to hand to mates it was a job by application only. I believe our previous illustrious leaders GILLARD, RUDD and their offsider that dumped the RMBS when the heat landed on SWAN's desk,need to be taken to task. This MOB have lots of answers to give to lots of questions related to the fast becoming WORLDS LARGEST STING.
    The questions of couse go deeper than just the ALP's part and knowledge in the whole banking fiasco. Mr Howard was in power and rubbing shoulders with his good mate Bushy as the GFC was orchestrated (and it was) by world leaders and the top end of the worlds BANKS. During this period Mr Abbott our newly elect Prime Minister was working within Mr Howards Libs in many roles starting in 1998 as the Minister for Employment and taking on many other positions until todays leadership. I am by no means suggesting Mr Abbott had first hand knowledge of any of the goings on of the period 2004 - 2009 when he became leader of the opposition, but he certainly wouldnt wanted to be known as the stool pidgeon that blabbed on Howard. Many behind closed door deals were made during this period that is why Mr Abbott did not take the ALP in particular Mr Swan to task over the dropping of the RMBS.
    The Liberal Party held enough margin going into the recent election to not have to bring up the RMBS and along with it open old wounds, they instead decided to let sleeping dogs lie and play the safety card.
    Mr Medcraft has of course moved onto bigger and better things now being the Chairman of the Board (IOSCO) International Organization of Securities Commissions. Are we now seeing him devoid himself of the poor decision making of ASIC allowing his Bankster mates to walk away scott free or is this his safety net to be as far away as possible when the Senate Commission Hearing is told of the abysmal treatment of mortgage holders by Banksters. Remember this is the man who has made a career of gloating the brilliance of his pet project securitisation, widely regarded as being one of the root cause of the GFC. Greg Medcraft once stated "blaming securitisation for the GFC is akin to blaming a car not the driver who crashed it". That is fair statement Greg provided the vehicle has had a safety check "its also not the drivers fault if you pick up that brand new shiney car from a respected dealer and it crashes because the wheels fall off". Think about it Greggy this can apply to any industry (banking maybe) its about trust, honesty and getting what you are paying for. We are all taxpayers, those of us that have been ripped off by Banksters and that by my calculations makes us entitled to fair representation by our regulators who are paid by our taxes. Blind Freddy with blinkers on could see the fraud that has and is taking place here by the Banks on decent unsuspecting victims but you and your co-regulators refuse to do what is right. When the floodgates do finally open and just one honest law abiding regulator finally sticks their neck out and agrees that whats happened is unjust and unlawful you will all be held accountable. Banksters in particular what you have taken part in here is a CRIMINAL ACT, Criminals go to prison so my advice dont go buying a new mattress too soon it might not get much use for the next 15 years ------ SLEEP TIGHT CROOKS --------

  • doyla66
    doyla66 Saturday, 21 September 2013

    Medcraft probably runs the ALP behind the scenes.....something stinks!!

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