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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: Whistle-blowers Wanted to help victims of Bankster Cartel

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AUSTRALIA NEEDS ONE BANK EMPLOYEE WHISTLE-BLOWER:  Just one DECENT SOUL with a conscience.  YOU KNOW what was going on.  What if it was your parents?

Just send us your "insider" emails - one would be sufficient to blow the LOW DOC MORTGAGE SCAMS out of the vaults.

No-one deserves to work 25 years to pay off their home and then have it stolen.  No young person needs to be stitched up with a 120% LVR loan and pay twice the price of rent and then find five years later the loan has imploded and they are back out renting.  No-one deserves to be ripped off by Banksters in Australia.  NO-ONE.  Your home is the biggest asset you will ever purchase in your lifetime and yet there is no consumer protection for Australian families.

Yes there are laws but NO-ONE is policing the banking and finance industry.  The regulators and Politicians believe in FREE MARKETS and give Banksters IMMUNITY from prosecution.  People like chief of Commonwealth Bank, Ian Narev who just picked up and obscene $7 million plus salary.  

I can say this without any fear of a blip from Ian because I am personally at the epi-center of cleaning up his debris of shattered a volunteer! Then again the chief's of NAB, Westpac and ANZ are all in the same club and have a sickening disregard for common decency and truthful business dealings.  It takes a particularly uncivilized person to engineer faulty product DESIGNED TO IMPLODE and in the full knowledge the injured will be the most vulnerable in our society.  How do I know that?  You people ordered your BDM's to target via the Broker Channel that you all share in, pensioners  low income families, young first home buyers, War Veterans, TPI pensioners and people on Centrelink disability payments.

Banksters engineered 30 year loans to IMPLODE within 5 years....all in the name of greed.

Consider this gem:  Real Estate Gurus have been quick to talk the property market upwards, yet how do we have 100% of our members with loans from six years ago and a 110% - 150% Loan to Value Ratio and therefore can only sell their own homes at huge losses - all States infected!

Economic Editor of the Observer Faisal Islam's book "The Default Line" is a detailed explanation of how two generations have been wiped out financially by the Banking Cartel in the United Kingdom and the exact same key indicators of this crime can be found here in Australia and are widespread.

We need Whistle-blowers - the bank insiders - to come forward and send us documents - brown paper bags accepted.  You know that the Banking Cartel engineered a faulty product set to implode and yet the Chief Engineers are being paid $7.3 million each for their crimes.

Had any other manufacturer in any other industry carried out the same diabolical plot on consumers, vulnerable or otherwise,  there would be a Royal Commission into how widespread the problems were.  Yet, the Banking Cabal remains a protected species.  Why?

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  • doyla66
    doyla66 Thursday, 22 August 2013

    Betrayal of Australians

    Bearing in mind that we're coming up an election and a lot of dirt gets thrown to sway voters ... some clues as to our treatment by govt are coming to light.

    1. The PM is alleged to have told War Vets "Don't bag us because if you bag us we'll pull up the drawbridge and you'll get nothing".
    From DFWA:

    2. Conspiracy or fact? This was on 2GB early this morning.
    It looks very likely that Australia was one of the countries signatory to a world wide deal. Greg Palast, investigative journalist, shared the information on his site. also published in Vice Magazine UK. This was read out in full by Brian Wiltshire.

    3. From Twitter ‏@AnnieJo075 : #asic accused of "wilding" - vertical cell of asic employees hunt in packs manipulate "facts" to reverse engineer result
    Seeking more information on this.

    My conclusions is that there is no justice or fairness in any system if it is being directed in this way.
    If a govt has this attitude to requests from War Vets, what hope do complainants against ASIC, Banks and Borrowers have?
    I suspect that Banks have found ways to silence their staff from whistle blowing and their staff are still trotting out soothing happy nonsense in posts and tweets (and to Nick Hubble). Banks always were conservative as is government. Consequently they are well out of step with the sentiments of the public and the awareness level. Banks and Govt have probably been sweet talking and soothing each other for quite a long time. They're still brainwashed and believing in "too big to fail". We're not and we don't believe they're "too big to jail" - in either camp! Now both major parties have mentioned "Austerity" - why? To feed the Banks and keep this immoral and corrupt world wide agreement in play? For what purpose that could possibly benefit ordinary Australians? The word "impeachment" comes to mind ...

  • doyla66
    doyla66 Thursday, 22 August 2013

    Larry Summers and the Secret "End-Game" Memo, August 22, 2013 By Greg Palast for Vice Magazine

    Lisa: THe ENd GAme: Explosive," It was like replacing bank vaults with roulette wheels" dismantle Glass-Steagall Act, the "safety-barrier" between commercial banks and investment banks.

    The year was 1997. US Treasury Secretary Robert Rubin was pushing hard to de-regulate banks. Firstly, kill Glass-Steagall Act....

    Second, the banks wanted the right to play a new high-risk game: "derivatives trading." JP Morgan alone would soon carry $88 trillion of these pseudo-securities on its books as "assets."

    It begins with Summers’ flunky, Timothy Geithner, reminding his boss to call the then most powerful CEOs on the planet and get them to order their lobbyist armies to march:

    "As we enter the end-game of the WTO financial services negotiations, I believe it would be a good idea for you to touch base with the CEOs…."

    To avoid Summers having to call his office to get the phone numbers (which, under US law, would have to appear on public logs), Geithner listed their private lines. And here they are:

    Goldman Sachs: John Corzine (212)902-8281
    Merrill Lynch: David Kamanski (212)449-6868
    Bank of America, David Coulter (415)622-2255
    Citibank: John Reed (212)559-2732
    Chase Manhattan: Walter Shipley (212)270-1380

  • doyla66
    doyla66 Friday, 23 August 2013

    Gleanings ...

    I suspect the reason we've had to put up with some cruddy treatment is that everything was supposed to be handled quietly. Our political leaders have had to strike a balance between the needs of the people and the "needs" of GATT and other free trade agreements, which would be of interest to the needs of some of the other people. All had to deal through the Banks of course. PM John Howard talked of a nation of shareholders - then failed to get ASIC to protect other investors adequately when fraud occurred in AFSL companies. Competence lacking in ASIC who also whinged about lack of funding. Howard also ratified international agreements and free trade GATT with the US. He was not convinced about the global green agenda but apparently ratified the UN Agenda on behalf of Australians. In the early 00s it looked like Australians were being told "you've got nothing to complain about - look how prosperous we all are" - rather post WW2 Menzie's era flavours, and parents to match who bought the rhetoric. That, as we've learned wasn't the truth for everyone. Truth sayers were bagged as bears, doomsayers and just plain ignored as Australian blissfully fell asleep in front of their TVs while global green 'community service announcements" ensured their brainwashing. This left Govt to do what they thought was "in the national interest". I wonder how they work that one out sometimes. The financial foundations were already rotting in the late 80s and 90s: crash, farmers dead, bank brutality - more band aids. And so on ... you all know this story ... and most of us lived through it as well.
    So which Australian Prime Minister talked about "banana republic"? That could be a clue on where to start unravelling this mess for more evidence. In the national interest again, no doubt.
    It is possible that this banking and investment horror story which is rotting its way through the middle classes and up to the level of main street could well have been curtailed by timely and appropriate consumer protection laws, regulation and most importantly heeding the warning not to put consumer "protection" with ASIC. ACCC are no better as they're too easily manipulated by politicians, as we've seen. In the national interest again? At the expense of human beings - again.
    It's possible that a conservative government will try to keep the rotting carcass of the Australian Financial Services Industry contained as long as they can rather than do something truly statesman like and worthy of our trust. A very ugly thought.
    It looks like Australians are also borrowing credit to invest on the stock market - business investment is up. Maybe they think they'll get all their loans written off when it crashes again? Greg Medcraft did warn them ... They certainly don't want us keeping our money in savings accounts as we try to offset the risky debts and deals. We're supposed to be running the country on plastic and BADs - not real money or gold!
    Our gold? According to reports our gold stores were sold around 2005 at the bottom of the market by Peter Costello. Why?
    Can we mine more? No - it would cost too much. Rubbish IMHO. It's against the WTO agreement more likely. Germany wanted some of their gold back but the US said no ... and said no to other countries as well.
    The really scary thing are the efforts by other commenters on FB and Twitter to shut up anyone who suggests that loans don't have to be repaid and our Australian debt may have been traded on the NYSE. (What did they use for collateral?) They'd rather keep bagging and blaming a politician than get out of debt by any other means. Tunnel vision and bankster staff everywhere soothing and hushing the polite questions of myself and others. (I was even told to get real and get off the drugs, by young ones as well. Apparently I sound like Labor or Green ... poor buggers!) Left them to enjoy their outrage and feeding frenzy - many angry people out there. Never mind - we know and they've been told. They know where we are if they need us later when the stinking consequences spill into their streets and homes. Meanwhile they're having fun on the political merry go round. A team, B team, A team ... collectivist governments don't like individuals ... they mess up the stats and ask hard questions. Remember Vietnam ... do we really want to follow Uncle Sam back to the Middle East to fill the US Bank coffers?
    We must monitor this WTO/trade agreement/US Bank situation and, frankly, stamp on the grasping fingers of any further incursions into our personal or commonwealth, by Banks or Government.
    No doubt individuals in the banks, lenders and other companies are busy off shoring as much as they can before the crash.
    ATO and ASIC are picking soft targets to provide the smokescreen of "we're getting on with business as usual".
    Maybe I'm wrong and maybe we'll get an Australian Government that can pull us out of this well, conserving as many lives and homes as possible ... without a major catastrophe ... we've warned them and they know.
    Given the size and complexity of some of the voting papers I recommend everyone get postal votes if they can and then hand deliver them on the day to ensure they do get there. I got this advice from others who are ensuring that their vote does get to the right people without "mishandling".
    This is a very important election time - we're at the crossroads and some of us are in the bureaucratic cross hairs as well ...
    Make sure your submissions are in ... you may like to send a copy directly to Sen Williams as well, just in case.
    Keep giving them the stick, Denise. The bastards deserve it for trying to keep us in the dark and playing God "in the national interest".

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