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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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Further reply to FOS

Posted by on in Reserve Bank of Australia
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From FOS's letter in previous post and in addition to the post's comments:  'Reply to FOS'

FOS says: "I strongly suggest you make whatever payment you can while we are considering your dispute.  This will help protect your financial psosition because unless you make payments, interest & charges will continue to accrue & your debts will increase.'"

BFCSA Members: Be aware, that once you have lodged a FORMAL COMPLAINT to FOS, your bank MUST stop all action against you.  

Go to the ACCC & ASIC Debt Collection Guidelines for Creditors   MEMBERS, CHECK IT AND EDUCATE YOURSELVES

Refer to:

Part 2 Section 2 [a],[b]&[c]

Part 2 Section 4 [d]

Part 2 Section 6 [e]

Part 2 Section 7 [a]&[b]

Part 2 Section 9 [e]

Part 2 Section 10 [a],[b],[e], [g]&[h]

Part 2 Section 16 [a]&[b]

Part 2 Section 18 [a],[b],[c]&[g]

Part 3 Outlines the provisions in the ASIC Act Section 12DA(1) and Trades Practices Act Section 60, related to ‘undue harassment’ by a corporation. 

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  • doyla66
    doyla66 Wednesday, 22 August 2012

    Very useful info to propagate STM.

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