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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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M.A.P. mutually assured protection: Our Homes have been invaded by Banksters

Posted by on in Consumer Protection Disaster
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Dear members

Thanks for your kind words and support over our break in and theft of our car, as members of bfcsa we are members of a large family of strangers but all with the same story to tell of hope for the future, trust in the banks, brokers and regulatory system and betrayal by them.The next chapter wont be revenge but vindication because we believed in the system but it failed us.

With a new government and Joe Hockey making pledges to look into the banking system in the first hundred days we can now hold him and the government to account, after all the hype they held Labor to over broken promises they can't afford not to act.  

Second is the fact the Senators hearing into ASIC kicks off mid October, we like many other members are prepared to go to Canberra to give Denise our support, faces have more impact than names and numbers. I truly hope the Senators and government can overhaul and restructure ASIC and all the regulatory bodies to do what their mandate is which is to protect the consumer. 


To get ASIC, FOS and COSL back on an even keel the government has to replace all the legal professionals in them. These same people are dealing with the same bankster lawyers on a daily bases, I bet they all have each others numbers on speed dial. As long as there are victims of bank crime the banksters lawyers will be reaping a windfall, as long as we keep submitting complaints ASIC and their edr's have a guaranteed workload for years, as long as they let complaints sit on the desk and after an extended time always find in favour of the banksters all the legal eagles have job security M.A.P mutually assured protection.The government has to disband this old boy and girl network and appoint new completely independant arbitrators, maybe on 457 visas from overseas to guarantee no collusion and they must be made accountable to parliament.

ASIC, FOS and COSL have become laws unto themselves and it reminds me of the old days when J Edgar Hoover and the F.B.I. answered to no one. This new government is promising to get the country back into order, I align myself to no political party so I wish them luck but will hold them to account if they don't.

For the first time in many years things are looking up for us. Thanks  to Denise and her helpers we now have the knowledge of how the banksters trapped and ensnared us into these diabolical loans. The Senate hearing will be an eye opener and the likes of Medcraft and Kell will be well rehearsed with their responses, if only Denise was allowed to ask them questions face to face and none of this "Qs on notice" nonsense. Its been a long journey for justice and we woudn't of gotten this far without Denise's sacrifices for us.  Lets hope a resolution is not to far away and Denise can look forward to a quiet retirement. Thanks Denise for you are the only one  so far who understands our plight and is prepared to support us.     Thanks Neil T.


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  • doyla66
    doyla66 Sunday, 22 September 2013

    I totally agree Neil that there has to be a complete clean out of Asic Fos and Cosle....a new broom sweep clean.
    We cannot continue with the present staff as they, i believe, are biased and in cahoots with each other carrying the mark of guilt for having supported those who wronged us, so now they must be replaced with fresh, new and innovated staff with total impartial views.
    Only then will we recieve the investigations that we so rightly deserve.
    So true Neil, faces have more impact than names and numbers hence we are anticipating a good turnout of BFCSA members to the Senate Inquiry in Canberra in November to help achieve victory.

  • doyla66
    doyla66 Sunday, 22 September 2013

    Victims of Crime? We have to look after ourselves somehow.

    I agree wholeheartedly, Neil.
    ASIC, FOS and COSL should be recycling their staff regularly anyway.
    The problem that can occur when staff are continually handling crime and misconduct cases is that it starts to affect their thinking and behaviour. They are often unaware this is happening. They may also become blase about crime and malpractice, as this becomes the norm in their daily work life. It happens to police as well and some have total breakdowns from their exposure to so much crime. Good supervisors should know this and keep moving their staff around to other duties and plenty of time off. I wonder if this is happening at any of the EDRs?
    Financial counsellors have learned this as well. Due to the terrible events that happen to some of their clients at the hands of the Banks and through natural disasters I know some of them have to take stress leave to deal with their own stress. Financial counsellors are sometimes on "suicide watch" for their clients who are at risk out of caring for their wellbeing. I've spoken with long time financial counsellors who had to have regular visits to psychologists for their own trauma counselling.
    All these professionals are trained in handling stressful situations and recognising their own stress levels! They also have unions and professional associations that look out for their work conditions.
    What the heck are governments of any sort thinking in leaving borrowers who have inadvertently wandered into this scam, to cope with this dreadful situation and try to find help?
    Same for investors who are suddenly left broke as victims of scams, which is what I would call the combination of dodgy directors and slack ASIC indifference to their plight and need for timely help.
    I'd advise a real "care package" for anyone dealing with this situation at EDR. As victims of this scam we should be encouraged to accept major league support from scam experienced counsellors and the police and Victims of Crime, including free advocacy and pro-bono legal work. We deserve much better from government departments than flick letters and silence and excuses - or referral to place after place as there's no funding available that fits our profile.
    Some wrote sometime ago that we didn't "qualify" for Victims of Crime. Does anyone know if this is still the situation?
    Victims of Crime encourage people who need it to come out of their shells and their isolated fear at home and start the journey back to normal life as much as possible. As so many borrowers are older and on their own, this should be available to them. We may not have been on the receiving end of violent crime, but I think dealing with an almost unseen enemy in a society that has also betrayed our trust is just as serious. These are big cases, they take a long time. We've heard about the things that have been done to others. Banks and their lawyers hope this will frighten and intimidate us - as if we need that extra kick, along with everything else that has happened.
    I'm very tired of being regarded as the wrongdoer by any individual or organisation that spends all their time looking at crime and misconduct cases. It's very clear I'm not the criminal here, and like a lot of others in BFCSA I've been serially abandoned by almost every organisation that should have been helping, right from the start. I'm sure they all just want us to give up and go away. If nothing else, "oldies" have plenty of patience, perseverance and tenacity, with Denise's support. We'll probably outlast FOS, COSL and ASIC staff too and, with any luck, get to see them hoisted on their own petards! :)

  • doyla66
    doyla66 Sunday, 22 September 2013

    ASIC, FOS staff complacent. I have stated this over and over. The system within FOS needs white washing. Accountable to no one!! isn't that a joke. FOS's Counsel are mystery persons. The faceless who hide.!! Do not think that you will get a logical answer to questions you may ask in relation to your dispute. This does not happen, FOS just don't give answers. Their determination is final. It is your prerogative to not accept the determination but I found that to be a waste of time. Still no explanations were forthcoming. FOS you are as spineless as the sharks at the Nab just to scared to rock the boat.

  • doyla66
    doyla66 Monday, 23 September 2013

    This is exactly what is needed, for Fos's staff to rock the boat and start telling tales that they have been silenced by Asic and the FSP's. Fos have no doubt in my opinion been instructed to close files in order to hide the evidence of maladministration/fraud what ever you like to call it.
    This is so blatantly obvious for everyone to see. Why else is both Asic and Fos refusing to investigate cases and why else is there no other avenue for victims to seek help.
    We have knocked on every door only to find them all slammed shut. It is evident that we were all set up to fail right from the start
    I just hope that the Senators will be able to see this.

  • doyla66
    doyla66 Monday, 23 September 2013


    Yes We are ready to go to Canberra

  • doyla66
    doyla66 Monday, 23 September 2013

    FSP's, ASIC and FOS all need grabbing by the throat and shaking up. FOS are so out of sync and living in a different era. So s..t scared. They have all been instructed to ignore our evidence and facts and they do. Employment rates are rising, no doubt jobs will become even harder to get so they are not likely to speak out nor do anything to jeopardise their positions. So they just keep doing as they are all instructed. Imagine working there, what an abysmal environment that would be. I'll bet they are watching each others every movement like vultures. How is it that FOS especially are not accountable. ???? What is wrong with the FOS employees. Just seat polishers, that is all they appear to be. How nice that would be to collect a good wage each week for accomplishing very little. Don't they feel disillusioned at the end of each week.?

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