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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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Subscribe to this list via RSS Blog posts tagged in Australian Banks
Quite simply they are cheating.  They are targeting older people who own their own home and suggesting in an aggressive media campaign that people will be better off financially if they listen to the Evil Bankers and their agents!!! Australia has only 23 million people and most banks north of the hemispherical divide have never heard of Australia.  So how do they become the most profitable?  Making paper money? Or, perhaps plucking money and figures out of thin air in a wicked attempt to grab people's land titles?  REUTERS are on to this insane situation which we have been warning of for years.  Consumers are at last being listened to.  Their stories are important when one is seeking THE TRUTH about Australian Bankers.   Australian Securities and Investment Commission is there to protect the banks, not the people. Parliament dictated that ASIC is responsible for the Financial Markets, Consumer Confidence and...
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Deutsche Bank dragged screaming and kicking into the limelight: "The settlement relates to past practices of individuals which were in gross violation of Deutsche Bank’s values and beliefs. Acting with integrity is a core value at Deutsche Bank, and we expect every employee to adhere to it. We are attaching the highest institutional importance to ensuring that this type of misconduct does not happen again.” We wish Australian Banks will adopt this approach: Do the aussie thing - admit the fraud, the subprime mortgage lending scandal that they were all part of and settle.    Deutsche settled for EUR 725 million in total.   But it then spent EUR 1 billion to elevate its systems and controls.   Go figure.......................   This email address is being protected from spambots. You need JavaScript enabled to view it. Deutsche Bank reaches agreement with European Commission as part of a collective settlement on interbank offered rates Frankfurt am Main, December 4, 2013  Deutsche Bank announced today that, as part of a collective...
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Well, well, boys and girls it looks like after many tireless years of Denise's and BFCSA persistence we have struck a raw nerve at ASIC. To rate a supplement to ASIC's submission to the Senate means they are finally hearing what we are all saying. To start compiling a list of counter claims to all our evidence reeks of desperation to save their own sorry skins. To use time as an excuse is preposterous by stating the falsehood that a lot of our members were PRE all these new regulations so that must deem them to be not appropriate, you do not put time limitations on a crime as if the passing of time wipes the slate clean. One of the most obvious pontificating ASIC statements is the complete onus on the brokers for the loans and LAF's, they are completely exonerating the banks and show where their allegiance lies. To...
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  • doyla66
    doyla66 says #
    Fancy ASIC singling BFCSA out for such special attention! All those other complaints and we get the ASIC red carpet treatment? Wh
  • doyla66
    doyla66 says #
    Yes Neil it's going to be a day of entertainment, a day when the truth will prevail and a day of history making. We are nothing to
  • doyla66
    doyla66 says #
    Well said Neil. Like you I will be ready, willing and able to attend the Senate enquiry to support Denise and other BFCSA members
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Watch out Australian Bankers your day of reckoning is fast approaching.   http://www.bmmagazine.co.uk/news/19502/chancellor-george-osborne-announces-that-bankers-will-face-jail-for-reckless-misconduct/...
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  • doyla66
    doyla66 says #
    That's a good start in the right direction. Let's see how many get to hear the gates clang shut on their illusions of being "untou
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How to effect a giant cover-up?  Very simple.  Send all consumer complainants a letter telling them to go to financial counsellors, who will then send the victims back to the banks for hardship lessons.  When that runs out of steam we set up the External Dispute Resolution Services ("EDR"), run from the same gene pool that loath pesky consumers.  Licence the EDR's such as FOS "Financial Ombudsman" and COSL "Credit Ombudsman" and then they can bear the blame for failure.  ASIC then instructs the EDR's to treat every complaint of fraud as if its "a dispute." ASIC:  "Yes its Fraud by brokers but what do you want us to do?  Go and find a lawyer and talk to the EDR's" Consumers who go to COSL are told: "Oh this is FRAUD" we cannot help you.  Go to the Police. State Police say: "this is definitely FRAUD BY BANKS - go to...
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  • doyla66
    doyla66 says #
    Yep - very familiar with that merry go round described by Denise. It is deliberately designed to be that way & you only discover A
  • doyla66
    doyla66 says #
    Where should consumers go with Fraud cases? We've done the rounds, written to the Prime Minister, Senators, Ministers, our local m
  • doyla66
    doyla66 says #
    Bank$ters deny FOS/Applicant discoverable docs, FOS says "no probs", yet same conduct in Court, Default Order issued by Judge agai
  • doyla66
    doyla66 says #
    Who told the judges that was an acceptable answer from a Bank? Lost contract? Lender, manager and SPV/Trust have a copy of it.
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In April 2013 The Australian Federal Treasury released it’s views on changes that it wants made to Disclosure Requirements in the National Consumer Protection Act 2009. Read below to see what existing consumer rights Treasury intends should be stripped away from all borrowers: ‘ ISSUE 1- REMOVING THE REQUIREMENT TO PROVIDE THE INFORMATION STATEMENT 1.15. Lenders are currently required to provide an Information Statement of the debtor’s statutory rights and obligations to borrowers; see section 16 of the Code and Form 5 as prescribed by Regulation 70. Previous Treasury consultations suggested that there was  little point in retaining this requirement (noting that the Information Statement  includes disclosure of the credit provider’s membership of an External Dispute  Resolution scheme, with this disclosure replicated in the Credit Guide). 1.16. Treasury therefore considers that the requirement to provide the Information Statement should be repealed.’ Borrowers may lose all rights they had by law to obtain the key information which...
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  • doyla66
    doyla66 says #
    They seem to forget that without the people depositing and borrowing they have no power. Everyone should take all their money out
  • doyla66
    doyla66 says #
    Yes We gave them the power - now we are taking that power back. We are braver than government and others who are afraid of upset
  • doyla66
    doyla66 says #
    Sneaky! Sneaky! Sneaky! BFCSA is causing grief to the banks so now they are going to try to sneak this stuff in through the bac
  • doyla66
    doyla66 says #
    THEY'RE THE BANKSTER'S MATES LISA. The banks would feel they have more chance two idiots doing it then anyone else, so they will b
  • doyla66
    doyla66 says #
    So Medcraft and Swan want to leave us with a little stinger to remember them by? Politeness prohibits my expressing what I think
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Storm Financial investors Barry and Deanna Doyle win $1.1 million full compensation settlement with banks Anthony Marx  From:The Courier-Mail    May 29, 2013 11:36am   THE corporate watchdog has struck a second settlement deal with banks which loaned money to investors in the Storm Financial disaster. The Australian Securities and Investments Commission announced this morning that it had secured a $1.1 million settlement with Bank of Queensland, Macquarie Bank and Senrac Pty Ltd on behalf of Storm investors Barry and Deanna Doyle. The payment, which the banks have made with no admission of liability, will fully compensate the couple for their losses related to the collapse of their Storm portfolio in 2008. A three week trial was set to start on Monday in the Federal Court. ASIC launched the proceedings in December 2010 alleging breach alleging breach of contract, unconscionable conduct and liability as linked credit providers. ASIC Chairman Greg Medcraft said...
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  • doyla66
    doyla66 says #
    ASIC's snafu ~ "situation normal: all fouled-up"; craftily extracts "without admissions"; denying Storm victims "case law" --neede
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omment is free 'In corrupt systems, decent people have two options: conform or be crushed' According to Vince Cable, the emergence of a new breed of 'decent' bankers will guard against further financial outrages. But until we recognise that the system itself is flawed, banks will go on turning ordinary workers into shameless shysters and get-rich-quick merchants Share150   Email Fintan O'Toole The Observer, Saturday 30 June 2012 21.00 BST Jump to comments (85) Allied Irish Bank, where whistle-blowers were either dismissed or marginalised. Photograph: Peter Morrison/AP Spivs! Wideboys! Riverboat gamblers! Snakeoil salesmen! Calling the shysters by their proper names is satisfying – and it may be the only satisfaction the public will get. But it is also, oddly enough, rather naive. For it assumes that better, more decent people wouldn't end up manipulating interest rates or mis-selling financial products. All the evidence from the many scandals of recent years is that...
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Posted by on in Consumers Fight Back
Inquiry into THE POST – GFC BANKING SECTOR Submission 105 I note that many of the submissions already made to the inquiry deal with complaints about the behaviour and conduct of insolvency practitioners, and lawyers involved in enforcement action by secured creditors.  Some history of my involvement in insolvency and commercial litigation I have nearly 20 years experience dealing in the matters relevant to the terms of reference. Agtion became involved in the specialist consultancy discipline of a forensic analyst dealing in principally banking and insolvency matters as a result of it, and its associated companies being forced into so called “voluntary receivership” by a major bank in 1996.  The companies and I commenced litigation after the companies were released from receivership in 1999. The legal battle against the bank continued until it was resolved in 2007. I am experienced in litigation mainly due to my need to appear and represent...
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  • doyla66
    doyla66 says #
    I remember reading this one & still think it is probably one of the better submissions. History is outlined, the repetition of the
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Pat McConnell
Justice Steven J. Rares was blunt when he handed down his judgement in the long-running class action, Wingecarribee Shire Council vs. Lehman Brothers Australia, last week. Grange Securities, a subsidiary of Lehman Brothers, had engaged in “misleading and deceptive behaviour” in promoting sub-prime derivatives…Author Pat McConnell Honorary Fellow, Macquarie University Applied Finance Centre at Macquarie University Disclosure Statement Pat McConnell does not work for, consult to, own shares in or receive funding from any company or organisation that would benefit from this article, and has no relevant affiliations. The Conversation provides independent analysis and commentary from academics and researchers. We are funded by CSIRO, Melbourne, Monash, RMIT, UTS, UWA, Canberra, CDU, Deakin, Flinders, Griffith, La Trobe, Murdoch, QUT, Swinburne, UniSA, UTAS, UWS and VU. Articles by This Author 18 September 2012 Protecting taxpayers from systemic risk should be at the heart of APRA changes 13 September 2012 Debunking the myth of...
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  • doyla66
    doyla66 says #
    Do financial planners need more education about financial products and/or is there a requirement for them to have continuing profe
  • doyla66
    doyla66 says #
    Judge Rakoff: "regulator's policy of settling by allowing[banks]to neither admit nor deny allegations “did not satisfy the law”. H
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:D
"It is not necessary to bury the truth. It is sufficient merely to delay it until nobody cares -- Napoleon Bonaparte" This must have been the motto of the Australian Public "Masters" for years! The unelected have run the country. Look at the results. More bureaucracy and less democracy. That's how they created "stability" - a hung parliament is the perfect justification. And nothing really changes beyond the window dressing. "Great coats on - great coats off"... Their objective? "Maintain the status quo and our positions and pay rises, our power and security ie. basically more of the same while politicians come and go. We run this country - forget that at your peril. Don't call us/treat us like public servants." And they're nasty if you try to threaten them in any way - not really nasty publicly, of course. It's all behind closed doors - that's how political power works....
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  • doyla66
    doyla66 says #
    well said Lisa... where can we find ?? "... a team of highly motivated and committed people with the experience and persistence to
  • doyla66
    doyla66 says #
    Well said, Arree. They usually employ consultants to investigate or create changes. But very little ever changes for any length o
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0 0 0 Economic References Committee, PO Box 6100, Parliament House, Canberra ACT 2600 28th May,2012   Excerpts taken from Submission 37.    Background My name is Trevor James Eriksson aged 65 years. I have held senior executive positions in a public listed companies, owned and operated a management consulting business which focused on the financial sector ( eg: consulted for the World Bank which included a review of the financial sector in Indonesia) since 1995. In addition to my management consultancy business., I have been associated with residential, commercial and industrial property development and investment for over twenty years.     Bankwest/ Commonwealth Bank of Australia defaulted my company, sold all real estates assets including that of the guarantors and issued Bankruptcy Notice on myself. Bankwest created a default by under valuing real estate security and claiming that I had not returned loan documents thus there was no contact to...
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  • doyla66
    doyla66 says #
    It seems that the only thing left to do is to prosecute and jail/community service (um pun?) everyone of the offenders - regardles
  • doyla66
    doyla66 says #
    " you have been treated very shabbily" - these exact same words were said to me by another bank! The same head-shaking, bewilderme
  • doyla66
    doyla66 says #
    I don't even know why i am writing this as i know that all you regulators Prime minister and Politicians are not bothering to read
  • doyla66
    doyla66 says #
    ASIC is to blame for this, fair and square. APRA as well. They cower in the face of corporates and their lawyer cohorts. ASIC are
  • doyla66
    doyla66 says #
    i don't know what to write .. I am gobsmacked.. The damage is already done and still being done by banksters, regulators and whit
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Thankyou to Denise and all BFCSA members, workers, staff, committee, friends and supporters around the world! A special thankyou to Denise for her assistance and ideas in this post. She is one very special person.   It's time for a "big push" to get our voices heard in Canberra :) PLEASE GET YOUR PENS OUT - IT'S LETTER WRITING TIME! - BIG TIME THIS TIME! The Australian Senate Inquiry into Post GFC Banking is due to issue a report on 31st October (less than three weeks away). The report will be a public document viewable on the Senate website. Now is a very good time to lobby politicians from the hearings if you want changes made as they will be discussing and preparing the report over the next few days/weeks: Please pass the word on to everyone you know. A non-partisan solution (minus the politics) is needed. Please encourage the Senators...
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  • doyla66
    doyla66 says #
    I hope they are too, Honesty. Our Senators and other politicians have a unique opportunity to get a feel for the borrowers' situa
  • doyla66
    doyla66 says #
    Lisa this is a well informed written piece, hopefully the Senators and all Politicians are reading these blogs.
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Sam Koim
08 OCTOBER 2012 EOIN BLACKWELL | AAP AS MUCH AS HALF OF Papua New Guinea's A$3.5 billion development budget over three years has been lost to graft or dodgy overseas investments, the head of the Pacific nation's government anti-corruption task force says. Task Force Sweep chairman Sam Koim (pictured) says Australian financial institutions have been complicit by turning a blind eye to dirty monies being redirected to Australian connections. A Task Force Sweep analysis of PNG's 7.6 billion kina development budget from 2009 through 2011 shows almost half was lost to corrupt practices by public officials and government departments. "We have uncovered a lot of instances where there was no recourse to budget and people were spending money left, right and centre, squandering funds and using them for private purposes," Mr Koim told AAP today. "Given the trend of corruption and seeing that there is nothing on the ground level to...
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0 0 0 Extracts from : Submission to the SENATE ECONOMICS REFERENCES COMMITTEE INQUIRY INTO THE POST-GFC BANKING SECTOR Milind Sathye,  Professor of Banking and Finance, University of Canberra.   May 2012    The impact of international regulatory changes on the Australian banking sector,   Impact on Mortgage loans: Securitisation provided a major source of funding for mortgage loans. Under Basel III, there is enhanced risk weight for securitisation instruments. It means the risk position of a bank as depicted in the balance sheet doesn’t capture the changing reality and by the time the regulators, shareholders and investors know the reality it might be too late. A recent case of J P Morgan incurring a loss of $2 billion because of ‘error’ by the chief investment office is a pointer to the grim reality how fortunes of even mighty institutions can change overnight.   External regulation that can’t keep pace with these...
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  • doyla66
    doyla66 says #
    That's a great idea, John W. I'll bet no one in the Banks thought of that!! There is more than a tinge of the last bastion of grea
  • doyla66
    doyla66 says #
    If jobs have to be outsourced to India & the Philippines, SACK ALL THE BANK EXECUTIVES & outsource THEIR jobs! They can be replac
  • doyla66
    doyla66 says #
    "Gang of 36" RMBS/Laf Fraud - "Debt Exposure" @$50b to $100b[up>$200b?] ASX: "Continuous Disclosure Rules" knowingly breached by b
  • doyla66
    doyla66 says #
    Allan Fels > noted Australian bank executives are highest paid even by international standards > HELLO!!!
  • doyla66
    doyla66 says #
    He's right - and that's just the beginning. With what we know of the true nature of bank "assets" and "value" their annual stateme
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For years Gadens have had the lion's share of the action in the Australian Mortgage Fraud. It is a matter of public record that they have defended the perpetrators of Fraud, orchestrated the bullying and repeated efforts to intimidate blameless and innocent home owners and witnesses to the Court hearings all in the name of "Justice" - and been allowed to get away with it by some of the "bank blinded" Australian judiciary! If you'd like a few samples of Gadens' handiwork on behalf of NAB, Bank West, Ing and others use the BFCSA blog search engine or see austlii.edu.au Gadens aren't the only lawyers willing to do this type of work.  After all this BANK SCAM has been going on for years under the watchful eye of both major Australian Political Parties. All borrowers and BFCSA members should check their documentation and report in with a list of all legal...
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  • doyla66
    doyla66 says #
    Sorry Gaby - I worded that wrong. I was just actually was refering to our case only and the issues that have arose from it. As exp
  • doyla66
    doyla66 says #
    We have now two law firms. (There is five in the group- so have spilt it up). One barrister via one firm use to represent the bank
  • doyla66
    doyla66 says #
    You can add HWL Ebsworth Lawyers and Leonard Legal, both from Melbourne to the list
  • doyla66
    doyla66 says #
    Gadens execs are very short sighted. Once the massive fraud, theft and corruption of Australia's banking sector really hits the fa
  • doyla66
    doyla66 says #
    Ah! but Cooper's Grace and Ward were Hunt and Hunt's franchisee in Brisbane,in 2006 Hunt and Hunt dropped them,one has to wonder w
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David Collyer was right. Denise's evidence and assertions are based in many years' research. There is no room for speculation in the black and white of her evidence. It's FRAUD. What is more it is intentional, premeditated and well organised systemic fraud. How can the regulators and the politicians deny the facts and keep their credibility? They can't. Further evidence has been revealed since the initial hearing at the Senate Inquiry. It underlines the even greater need for a Royal Commission. The Australian public want the truth. Investors want the truth. Borrowers want the truth. Our international reputation is also under scrutiny. Surely it is part of the job description of any chief regulator or parliamentary representative to supply informed, well-researched answers not off the cuff comments based on assumptions and their own opinion in order to protect their jobs! They are paid handsomely to supervise and ensure the stability our...
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  • doyla66
    doyla66 says #
    Thankyou Carol, Andy and Peter. Our parliament is handicapped by the past and by their party political histories. Those days are
  • doyla66
    doyla66 says #
    What an Increditable post Lisa, every one of our weak and gutless politicians,heads of APRA, ASIC,COSL, FOS and Federal Police sho
  • doyla66
    doyla66 says #
    Watch this Space: Vote[1]LisaMartin Vote[1]DeniseBrailey - perhaps sit opposing sides "broom the middle"(save the worthy/repentant
  • doyla66
    doyla66 says #
    Politicians and bank executives take note: KNOWING & FAILING TO ACT IS A FAR GREATER CRIME. If you work in a bank and can provide
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Posted by on in Consumer Protection Disaster
Essential consumer warnings about borrowing from Australian lenders. Protect your rights, your home and your peace of mind. http://www.bfcsa.com.au/index.php/resources/need-a-loan (Check tab: Resources: Need a Loan?)...
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Gold Coast Bulletin. 22/9/2012. New York. Victims of Bernie Madoff's massive PONZI scam will soon receive $2.39 BILLION DOLLARS to help them cover their losses.  Cheques ranging up to $507 million have been mailed to 1230 former customers of Bernard L. Madoff Investment Securities. The payout, the second of its kind, tripling the amount recovered, brings the total to $3.49 BILLION DOLLARS. Madoff is serving a 150 year jail sentence at a North Carolina JAIL.  He ripped people off for nearly $63 BILLION DOLLARS from clients over decades, paying out fake "profits" to some investors by plundering the new cash from others, before the fraud collapsed in 2008.   AUSTRALIAN BANK EXECUTIVES SHOULD BE NEXT IN LINE.  ...
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From: wayne stylesSent: Tuesday, 4 September 2012 To: Abbott, Tony (MP)Subject: BANKS ASSET LENDING USING FRAUDULENT LOAN APPLICATION FORMSI have also sent copies of this e-mail to : Senator John Williams, Denise Brailey (BFCSA), Julia Gillard PM, Tony Abbott MP, Julie Bishop MP, Joe Hockey MP, Nick Xenophon MP, Joyce Barnaby MP, B. Bilson MP, Andrew Robb MP.RE : ASSET LENDING USING FRAUDULENT LOAN APPLICATION FORMS by the CBA.We must have a ROYAL COMMISSION immediately into the fraudulent activities of the banks.We too have been conned & deceived by the COMMONWEALTH BANK & Mortgage Broker using FRAUDULENT Loan Application documents, in both 2005 and 2007.This is a common business practice used by the Commonwealth Bank of Australiawhere they corruptly lend money using grossly falsified Loan Application Documents  (that the client's have never seen),& conspiring with Mortgage Brokers (that the clients has never met), & going through Finance Companies (that the clients didn't...
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  • doyla66
    doyla66 says #
    Abbott's response does not surprise me one bit. After all, he is just the party puppet. Following his monumental cockup with figur
  • doyla66
    doyla66 says #
    i cannot believe that this government (& it loks like the next govt) are dragging their feet on this....bring on a royal commissio
  • doyla66
    doyla66 says #
    My jaw has hit the ground...This is like a bad movie !!
  • doyla66
    doyla66 says #
    Great work Wayne - brilliant letter. Keeping up the pressure to wear them down can work in our favour. Force and people power even
  • doyla66
    doyla66 says #
    Keep moving on this Wayne. Check other posts that have covered the same issue. Don't be surprised with the Ombudsman's tack. He an
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