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Posted by on in Toxic Mortgage Loans
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looking for info from anyone who may know the answer to this query.   If a broker does not collect authority to act on your behalf but goes ahead and send info through to the lender without that authority is this legal.??   Can the bank go ahead without any authorities? 

If the loan application docs come from the broker is this right?    What if the broker does not collect any of the LAF info?

What if the bank then provides a loan, is that legal?   What if you never have any contact with the bank but they still provide the loan?

What if the letter of approval for loan is sent to broker and then on to me?   One of the big 4 is the bank involved. 

Please help me sort out this puzzle.!!!!!



EDITOR:  YOu need to plug into BFCSA and join us Gypsy as all these things are answered to members.

Support us and we can then help you......all the way to recovery

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  • doyla66
    doyla66 Tuesday, 30 October 2012

    Question was the broker a member of the FBAA or MFAA ect?
    Let me know.

  • doyla66
    doyla66 Tuesday, 30 October 2012

    I have a very similar situation. Our broker wasn't a member of anything (from memory) but an 'associate' can that be? And the firm/head of the company he worked for was a member of the MFAA.
    Ours is a big4 too!

  • doyla66
    doyla66 Tuesday, 30 October 2012

    Look at their code of conduct FBAA or the MFAA
    It is a contract under contract law and enforceable.

  • doyla66
    doyla66 Tuesday, 30 October 2012

    Look at their code of conduct FBAA or the MFAA
    It is a contract under contract law and enforceable.

  • doyla66
    doyla66 Tuesday, 30 October 2012

    Look at their code of conduct FBAA or the MFAA
    It is a contract under contract law and enforceable.

  • doyla66
    doyla66 Tuesday, 30 October 2012

    In 2007 when we refinanced with the CBA- a broker, without our consent or authority, who we did not know, who we had never met, had never spoken to, did our LAF - without our knowledge, through brokering companies that we never knew!
    Suzanne O'Sullivan was the broker. Gold Coast Rescue Finance & AFG were the companies involved.
    FOS still gave the decision in favour of the CBA!

  • doyla66
    doyla66 Tuesday, 30 October 2012

    FOS = for 'our' suzzie!

    Wayne, 'shifty Suzzie' must have been acting as a "ghost broker" [on halloween] like a "ghost writer", bank officer & Suzzie splitting fees[kick backs] and created purported "arms-length", we'll be just as creative back --by the book though!!! (ps: i'm GC based also)

    ?.. . FOS? or is it help me [SOS] from malfeasance @FOS = for 'our' suzzie! as senator williams said --"what's going on here... it will all come out in the wash" [dirty spin cycle no doubt]....:-):)

  • Denise
    Denise Tuesday, 30 October 2012

    Hi Gypsy Why not Join us by plugging into BFCSA? Members know these things because as a Member we provide you with the answers and set you on the right pathway. Besides we are a great bunch of decent people. [email protected]

  • doyla66
    doyla66 Thursday, 01 November 2012

    Join this self-help group & become empowered

    Gypsy, This will be the very best $50 you ever fork out! I wasted $10k on lawyers (Slater & Gordon - SLAG), who once they gobble up your funds, then want more & more only to tell you at the very end "sorry, we cannot help you".
    The majority of lawyers do NOT know to ask even the most BASIC of questions of the banksters right at the beginning. The slug I had from SLAG has since been promoted to the Commerical team here in Perth & was as useless as ti*s on a bull! I would consider him to be a fraud.
    They also waste your money by bringing in the so-called "experts" who want to follow their own path & not listen to your instructions or questions. The barrister brought into my case was a useless ditzy blonde who spent most of her time batting her eyelashes at my ex & then on the Bankwest employee & the puppy-faced pratt from Gadens. If I sound pi**ed off with the legal fraternity, I am.
    For just $50 bucks to join this group, I have learnt far more in such a short space of time. It has been so worth it.

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