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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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Adult guardianship
FOS now recognise "mental illness" as a category on their application form. Does this entitle complainants to additional assistance or other concessions during the dispute resolution process? Should being a mental health client entitle complainant borrowers to demand better or more appropriate conduct from Bank staff - either during the dispute negotiation or even as a component of their complaint? Should Banks and other lenders be disciplined by FOS for the impact of their conduct on the health and well being of disabled borrowers? FOS Accessibility Guideline - fos.org.au/public/download.jsp?id=17940 (download) FOS Helpful Links - http://fos.org.au/centric/home_page/resolving_disputes/helpful_links.jsp Mental Illness - search results - http://fos.org.au/centric/home_page/search_results.jsp?orderby=rank&rpp=10&rst=all&str=mental+illness&type=and&xcid=181 It would be very interesting to know whether complainants are ticking the box for Mental Illness and if so how many ie what percentage.  Also what does FOS define as Mental Illness - do complainants require proof from a medical practitioner?      The following ABC Radio Program is...
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  by: By Paul Osborne, AAP Senior Political Writer From: AAP September 29, 2012 12:10AM   A GLOBAL project has been launched to encourage pension and superannuation fund members to shift some of their $60 trillion in savings into funds that support clean and green technology. Deutsche Bank estimates less than two per cent of money held by pension, superannuation and sovereign wealth funds is invested in low-carbon assets. Now the independent, not-for-profit Asset Owners Disclosure Project (AODP) is asking the world's largest 1000 asset owners to reveal how they are addressing climate change and the "green economy". The AODP wants the funds to disclose information relating to five criteria: transparency, climate risk management, low-carbon investment, active ownership (involvement in the companies they invest in) and investment chain alignment (minimising conflicts of interest). The first global index of funds using the information is expected to be published online by AODP in...
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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 Bankers A Law Unto Themselves
Often when you tell people your story and plight with the banks or to the media- they comment - but you signed the papers. My next question to them is - so you think it is okay that fraud has been committed and that the Banks are profiting from it? Are you saying that the banks are above the law and should not be accountable to the rules set by the law of this country.  No matter which way you look at it - a crime has been commited and it needs to be investigated. Isn't that why we have laws for?  Crime is crime. No sugar coating of it or exceptions. When put that way to most people - they understand better and agree - if fraud has been committed - it needs to be investigated. So if you speak to the media - make sure you ask that question. Remain focused...
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  • doyla66
    doyla66 says #
    I am interested!
  • doyla66
    doyla66 says #
    Based on what I've read about the other political options this is probably a good time to kick off a new party. Who is the brillia
  • Denise
    Denise says #
    Hands up those who wish to be part of new party? We have a brilliant leader, an exciting name. I cannot be leader as it would de
  • doyla66
    doyla66 says #
    http://www.bfcsa.com.au/index.php/entry/bfcsa-demands-to-federal-government
  • doyla66
    doyla66 says #
    We should call for a Suspension of Normal Business in the House, and possibly a joint sitting to attend to the crime and corruptio
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    By Caroline Dann | 9/07/2012   Experts believe Japan’s Sony Bank is unlikely to pose a threat to mortgage brokers, following last week’s announcement of its plans to launch in Australia.   Sony Bank is an online business which, in theory, cuts out the need for brokers with its direct-to-lender approach.   Speaking to Australian Broker Online, SAKS Consulting’s principal, Steve Patterson, was sceptical of its impact on intermediaries.   “If brokers do their jobs properly, and are there to help people through the biggest financial decision of their lives, there will always be a need for them,” he said.   “It’s a complicated process, and most people welcome someone on the other side of the kitchen table to explain everything.”   Patterson believes the Big Four have too much of a stronghold on the market to be sidelined by a foreign bank.   “Firstly, new and foreign...
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  • doyla66
    doyla66 says #
    Wow Andy, you've got some interesting evidence on your LAF - 20 so far! Clearly not intended for you to ever see. What a mess they
  • doyla66
    doyla66 says #
    Were they "ING Direct" doing competitive 'hand-holding' when they employed/applied 'white-out' on my LAF twice (mum picked-up that
  • doyla66
    doyla66 says #
    Weren't online mortgages one of the issues in the US subprime crisis? Didn't we get into enough strife even with brokers as interm
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:D
Reposting the information on Q&ANEWS FLASH: Tony Burke (Minister for Sustainability, Environment, Water, Population and Communities) is stepping in for Bill Shorten: http://www.facebook.com/abcqanda Q&A broadcast can be found: Mondays 9.35pm ABC 1, repeated Tuesdays 12.30pmMon 9.35pm AEST Live simulcastCatch-up on iviewhttp://www.abc.net.au/tv/qanda/past-programs-by-date.htm .... top right hand corner, hyperlinksTo find out what time Q&A is broadcast wherever you are go to:http://www.abc.net.au/tv/guide/This is the program marked: NationalJust below this you can choose your location from the drop down menu. Then on the right hand side at the top edge of the program on display click on "next week" and adjust the display ("later") until you can see Q&A in either ABC 1 or ABC News 24. Broadcast is 9.35pm in the Eastern States and 7.35pm in WA. To ask a question you can write it in here:http://www.abc.net.au/tv/qanda/ask-question.htmI haven't found an email address for submitting questions. If you need help submitting a video question, Open ABC can help. Here's the portal for finding a producer:https://open.abc.net.au/openregionsFor information on the panel...
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  • doyla66
    doyla66 says #
    I forgot, loser politicians like Shorten must be put to the back of the queue when it comes to elections and votes. Hopefully we w
  • doyla66
    doyla66 says #
    Shorten is too scared to meet with Denise face to face. He knows Denise would be too strong and that he'd be shown up as the loose
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Posted by on in Fraudulent Loan Apps
Bill Shorten on #QandA on Monday night.  This is our chance to ask some great targeted questions of the Minister for Finance Ask a question of Monday's #QandA  Panel Includes: @billshortenmp @Tara_Moss  Angry Anderson Fiona Nash @thenitinsawhney  here:bit.ly/miVsRg6 hours ago · reply · retweet ·...
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  • doyla66
    doyla66 says #
    Hey Lisa, I notice that you are familiar with Twitter... I was wondering if you could help me please (and for all our other member
  • Denise
    Denise says #
    Ask the producers who prepare guest lists db
  • doyla66
    doyla66 says #
    http://www.abc.net.au/tv/qanda/email_thanks.htm Could everyone please write to them asap?
  • doyla66
    doyla66 says #
    Great idea. I agree that Denise should have final say re which questions so our message is in line with her philosophy and aspirat
  • doyla66
    doyla66 says #
    Thanks STM - I'd feel better if Denise asked the questions At least we'll find out if he's ever heard of us. I think he must hav
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