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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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FOS doing their job

Posted by on in Reserve Bank of Australia
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Please pay attention.  FOS are not useless.  They have a role to play and I have achieved good outcomes through this process.  The initial letters are of a generic type.  Please start working out your claim by using the template devised by BFCSA re Benefits to me etc.....  Yes if you have spent the money on your self you have a debt owed and that is your debt and cannot be waived.  If you spent bank's money on interest fees and charges, the bank has to consider dropping all of these costs as they cannot profit from a fraud.  We are looking for Maladministration in Lending.  FOS is very aware of recent High Court decision.

We switched from complaining to the banks to registering with FOS as they have specific powers that can assist each one of you and cause the banks to hand over the documents they have been refusing to date and also to keep them at bay from taking legal action.  FOS are registered and licensed with ASIC.  When the banks started suggesting they wanted the Police Statement I have switched everyone immediately over to FOS for obvious reasons: its called Bank Wars.  They are playing their own version of Bankster Olympic Games right now.

Do not start trying to make enemies of everyone, that is a defeatist plan.  Bankers are the bully in the playground and we all loathe bullies.

Those who need to go to COSL, do not mention fraud or they will immediately reject you - use words such as exaggerations...imprudent lending etc.  Tell them you are a member of BFCSA (Inc).  They handle Non bank lenders such as  La Trobe, Liberty Legacy and the now infamous PEPPER HOME LOANS who purchased a mountain of GE MONEY Loans and loans from SEIZA CAPITAL and others.  GE have contacted me to tell members that ALL DOCUMENTS were handed over at sale to PEPPERS.  If you have trouble with Peppers let me know and I will deal with them.


I am preparing a list of lies the banks have been telling - its already a long list and I love the constantly overused words: "this is standard industry practice...."   we know!!!  We do indeed and maggotted to the core.


We are shoving it up the banks - want to join us?


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  • doyla66
    doyla66 Wednesday, 22 August 2012

    thats good to know Denise that their letters are of a generic standard but i guess for new people approaching this for the first time have no idea and so to receive a letter suggesting the result maybe i have to sell my property as a means to be put back where i started is not a resolution to the problem at hand...but anyway its all good now that you have clarified it....

    Sorry didnt mean to get ahead of myself & arouse the members here.

  • doyla66
    doyla66 Thursday, 23 August 2012

    It is all a little overwhelming for us newbies GB, but we just have to remember we are going to get the generic responses before we are allocated, I know Denise won't leave us high and dry. :)

    We have to be mindful and remember that she is being swamped with emails receiving hundreds sometimes thousands, on top of that she works and is up till ungodly hours of the night replying to emails and blogs. And us Eastcoast Aussies forget she is on WA time and they are 2 hours behind us.

    We are all anxious and passionate about not being treated fairly by the banks or hanging in a thread so we don't lose our homes, but we are making waves and we are slowly getting results, it's a process that won't happen over night and I know for me personally if I come out on top after all this I am going to be estatic and it will be all worth it. Hang in there GB :D

  • doyla66
    doyla66 Thursday, 23 August 2012


    Thank you Denise for the clarification.
    It is very important for everyone to calm down, me included(I know that this is easier said than done). Because we are all hurting we tend to filter everything that comes across our path through our hurt and that makes things seem much uglier and much bigger than they actually are. What we need to do is follow carefully Denise's instructions and start praying and believing that the truth will come out (which it will). If we are not sure what is going on or how to interpret letters all we need to do is ask and someone with more experience in this field will more than likely help us understand.
    Again, I am so grateful to God for bringing Denise and BFCSA to across our path as she has opened my eyes to the right plan of attack. When I thought that I was the end of the rope, God sent our angel (Denise) to help us.
    Thank you from the bottom of my heart.
    All the best to everyone,
    PS. I have an investigative journalist from the Courier mail willing to talk to me asap about my story and all this mess regarding the way the loans were issued to my company. Is anyone else interested in having a say? What is Denise's opinion, can we talk to the media?

  • doyla66
    doyla66 Thursday, 23 August 2012

    Denise has a plan & FirstMac/Streetwise High Court Decision forces FOS to expand it's remedy re instances of parent-bank/broker "falsified LAFs". We need FOS to amend $500k loan > complaint limit & FOS &280k compo limit though that all takes time & effort to achieve which Denise is doing also!!!

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