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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 Senator Bishop
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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At the Senate Estimates Hearing last week ASIC were asked whether they were signatories to the Australian Standard for Complaints Handling. ASIC took this as a question on notice! What's hard about that question? ASIC also helped create the Standard!   Some background to this question: Commonwealth Ombudsman: Better Practice Guide to Complaint Handling (2009) Australian Standard for Complaints Handling (extract) http://www.saiglobal.com/PDFTemp/Previews/OSH/AS/AS10000/10000/10002-2006.pdf http://www.standards.org.au/Pages/default.aspx...
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Don’t Forgetthe SENATE ESTIMATES HEARING TONIGHT at CANBERRA TIME, NSW, VIC   9.45PM This means, due to daylight savings on NSW and VIC and off all over the rest of the country:  WA Time 6.45PM QLD Time 8.45PM SA Time 8.15PM TAS ? THE LINK to watch the Senate ESTIMATES HEARING is via BFCSA website AT THE ABOVE TIMES: The link to is:   http://bfcsa.com.au/index.php/resources/watch-the-senate  (under Resources)  ...
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  • doyla66
    doyla66 says #
    It's incredibly frustrating to hear Commissioner Kell still trotting out the same stuff. Are we doing anything - sure, we're busti
  • doyla66
    doyla66 says #
    Looks like Penny Wong is more interest in the 'new information' she has received, rather that being a part of what is going on at
  • doyla66
    doyla66 says #
    Have they mentioned BFCSA / Fraudulent LAFS's yet? Watching now ... just not sure what I have missed.
  • doyla66
    doyla66 says #
    BFCSA and Fraudulent LAFs? I didn't hear anything about it. Not in ASIC's dictionary. They're still on song with the govt trying
  • doyla66
    doyla66 says #
    Thanks Lisa - Looks like I can access it via Internet Explorer only.
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20 September 2012 Page 1 of 11 SENATE ECONOMICS REFERENCES COMMITTEEInquiry into the post-GFC banking sector Questions on Notice taken by ASIC at the public hearing on 8 August 2012 Question 1 (Hansard Ref: p. 55) Senator CAMERON: When you say ASIC will act on issues if they are raised, theevidence we had from the previous witness [Denise Brailey] was thatcorrespondence had gone to ASIC seeking some support on the FirstMac andStreetwise issues and no support was forthcoming. Is that correct? Mr Kell: I am not in a position to comment on individual matters. What I can sayis that ASIC had some complaints brought to it about low doc loans. Theseinstances have almost exclusively, from my understanding, all concerned loansmade prior to the GFC and prior to the introduction of the national consumercredit protection regime in July 2010. In some cases they involve matters where afinance broker has been charged by...
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  • doyla66
    doyla66 says #
    If the bank or broker was part of this false bankurptcy this is jailable offence. Jail those corrupt bankers & brokers.
  • doyla66
    doyla66 says #
    Lying to Parliament is a CRIMINAL OFFENCE. The liars must be prosecuted. Justice must be upheld
  • doyla66
    doyla66 says #
    ASIC just keep on being the "Willbees" who will wait until someone else gets the ball rolling before they issue any statements tha
  • doyla66
    doyla66 says #
    I have had two rejects of action from ASIC over fraud considering the fact of the statement made by the chairman of ASIC: Mr. Gre
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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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SENATE ECONOMICS REFERENCES COMMITTEE Inquiry into the post-GFC banking sector QUESTIONS ON NOTICE Commonwealth Bank of Australia 9 August 2012 Senator Williams asked: a) After the Commonwealth Bank appoints a receiver, what happens to any monies that the owner of the business had set aside to fulfil the business’s GST obligations or which were otherwise necessary to meet the business’ GST obligations? b) After a business has been placed in receivership, has the Commonwealth Bank received any monies that had been set aside to fulfil the business’s GST obligations or which were otherwise necessary to meet the business’ GST obligations? c) If so, were these monies forwarded to the Australian Taxation Office? d) Does the CBA have any internal policies in place regarding businesses placed in receivership and their GST obligations? CBA response: a) On the appointment of a Receiver, control of the company and its assets (including any monies held...
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  • doyla66
    doyla66 says #
    When did the negotiations between CBA and HBOS for the sale of Bankwest begin?
  • doyla66
    doyla66 says #
    So, BankWest sold to CBA on 08/10/2008 & within 3 weeks they foreclosed on our business when they knew I was negotiating to move t
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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 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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Things are not looking good for the government. Australia is getting further into debt. They have caught the debt disease too. Debt is not the solution - debt is the problem. When are they going to eat humble pie? Rather than become further indebted to foreign interests, would it not be better .... To ask the Australian Banks for their $55 billion bailout back? To ask the IMF for the $7 billion Aussie donation to the European banks? To look at the money Australian and overseas banks are syphoning out of all Australians? To seriously look at how the Australian banks are rorting the taxation system? To attend to the serious level of inefficiency and waste in all the regulators, especially ASIC? .... just for starters! Decisive action is needed yesterday. White collar and banking crime is costing Australians everywhere. Softly, softly with financial criminals has not worked and will only...
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  • doyla66
    doyla66 says #
    "How bad does it have to get before our government will attend to business in a real and decisive manner?" Well written Lisa. i ag
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From: FOS Circular Autumn 2012: http://www.fos.org.au/centric/the_circular_9_home/lenders_mortgage_insurance.jsp Lender's Mortgage Insurance Our Terms of Reference and LMI policy claims Previous communication about LMI policy claims Terms of settlement FOS receives a number of disputes in which the applicant is in financial difficulty, the sale of a property securing their loan from the financial services provider (FSP) does not repay the loan in full and an unsecured shortfall debt remains. If there is a lender’s mortgage insurance (LMI) policy in place, the FSP may have made, or may intend to make, a claim on the policy after settlement of the sale of the security property. This article outlines FOS’s view on an FSP’s obligations in dealing with a customer in financial difficulty when the FSP has made a lender’s mortgage insurance claim or may potentially do so after the sale of the customer’s property.   Our Terms of Reference and LMI policy claims Under...
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http://www.macrobusiness.com.au/2012/09/death-by-financial-rules/  The comments on articles in MacroBusiness are worth reading IMHO. Posted by Sell on News in Capitalism on September 15, 2012 | 41 comments     Surely the greatest misnomer in modern times is the term “financial de-regulation”. For at least 25 years, various business funded think tanks and mono-culture, conformist university economics departments have hailed its advantages, for the most part completely capturing the world’s business press. I know. I am actually a business journalist who was, until recently, in the mainstream media. I watched it first hand. This continuous and intense propaganda worked. It has even been successfully prosecuted after the GFC, the blame for which has been somehow laid at the feet of governments and not the financial institutions and private actors who actually caused it.   As I have long argued, the phrase is nonsense, always has been nonsense and always will be nonsense. Finance IS...
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  • doyla66
    doyla66 says #
    Good read Lisa
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  SENATE ECONOMICS REFERENCES COMMITTEE Inquiry into the post-GFC banking sector   QUESTIONS ON NOTICE http://www.aph.gov.au/Parliamentary_Business/Committees/Senate_Committees?url=economics_ctte/post_gfc_banking/submissions.htm Replies have been received from Bank West RBA Westpac Commonwealth Bank Treasury   Bankwest 10 August 2012   Question 1 (Hansard Ref: p. 57)   Senator WILLIAMS: Why has Bankwest registered the websites unhappybanking.com and unhappybanking.com.au?   The domain names in question were registered by Bankwest before the launch of the unhappybanking.net.au site. It is not unusual for an organisation to take steps to protect its brand through registering domain names that may have a likeness to the name or other aspects of the brand.       Question 2 (Hansard Ref: p. 64)   Senator WILLIAMS: You have given us the percentage of your customers who are impaired et cetera—a very good percentage. Do you know what percentage of your customers who were developers on the east coast became impaired?   Mr De Luca:...
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  • doyla66
    doyla66 says #
    Well, after reading those answers I doubt that this bank could ever be truthful. Re: the question regarding Geoff Shannon's unhapp
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Video: http://www.abc.net.au/7.30/content/2012/s3588021.htm Australian Broadcasting Corporation Broadcast: 11/09/2012 Reporter: Nick McKenzie Following our story on the bribery scandal centring on the Reserve Bank of Australia, new evidence raises questions about the RBA's response. Transcript LEIGH SALES, PRESENTER: The scandal over alleged bribery and corruption in companies owned by the Reserve Bank is deepening.Explosive new evidence shows that RBA subsidiaries paid more than $3 million in commissions to a Malaysian arms dealer to secure bank note contracts in Asia. Even after the arms dealer was sacked for corruption, the payments continued with the RBA's approach.The revelations pose serious new questions for Reserve Bank Governor Glenn Stevens about what the bank knew of Australia's worst corporate corruption case.Nick McKenzie has this report, with Richard Baker of The Age.NICK MCKENZIE, REPORTER: The bribery scandal that is engulfing the Reserve Bank of Australias has reverberated across the globe. Last year in Kuala Lumpur, the former assistant...
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  • doyla66
    doyla66 says #
    "incorrect conclusion"(b.s)whistle-blower approached RBA-Deputy2007;Aust-Treasurer ignored & media expose2009. Go figure? Who's ly
  • doyla66
    doyla66 says #
    Well with the names these corrupt go betweens have i would have been inquiring of their status and credibility, which bank they re
  • Denise
    Denise says #
    The 7.30 Report investigation into the RBA and Securency, now deepens the need for a ROYAL COMMISSION INTO THE UTTERLY WICKED AUST
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I rise tonight to talk about what I consider to be the greatest oxymoron in Australia at the moment—that is, ethical banking. I wish to relate some of my experiences during the early 1980s when my family were involved in a foreign currency loan in Swiss francs. We drew down the loan in January 1985. Shortly after that, we saw the depreciation of the Australian dollar. There was only one way to protect yourself from those loans and that was to hedge your loan. I went to my bank manager, Peter Neil—a good man who lives out here near Goulburn these days—and requested that I hedge my loan. He informed me that I could not, that that would change our currency and you could do that only at rollover periods. The rest is history because Mr Neil was wrong. The bank had not trained their staff properly and it led to...
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  • doyla66
    doyla66 says #
    Bank Managers,used to be pillars in the community,revered, respected.Mr Williams by virtue of the fact your bank manager never sig
  • doyla66
    doyla66 says #
    You're right about banks being sales, sales, sales. That's what happened in the US as well. I've read about and listened to inter
  • doyla66
    doyla66 says #
    Honesty, my guess is that the bank manager would have been told by the bank legal people not to sign his statement.
  • doyla66
    doyla66 says #
    You are a good man for speaking the truth Senator John Williams. I urge all politicians to support him and have the integrity & m
  • doyla66
    doyla66 says #
    Thnak you Senator Williams you give us hope!
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Comment: Australian's put their lives and everything they value at risk everytime they deal with an Australian Bank or the Australian legal profession. Both are a disgrace "with notable execeptions". It is like Russian Roulette. The risks are too high, according to those whose eyes have been opened to the truth about Australian banking culture. Our politicians, once again, "with notable exceptions" should also be ashamed of themselves. Not only did they not want to listen, not want to act but they systematically attempted to gag our political representatives who wanted to raise such issues in parliament. Those who participated in this disgusting conduct are a total disgrace. We will name and shame them if this conduct EVER happens again in OUR Houses of Parliament. Stay away from the Australian Banking and Financial Sector until a committed and thorough investigation followed by a total overhaul of the regulatory systems and a...
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  • doyla66
    doyla66 says #
    "The legal professional has no such excuse, having seen the whites of the eyes of parties to unequal exchange."
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"A Royal Commission into the Australian Banking Sector is our democratic right. To deny us that right is truly unAustralian."   There are many strong arguments in favour of holding a Royal Commission into Banking with wide terms of reference.  One of the side effect of the Royal Commission is its capacity to bring the issues into every Australian home through the main stream media. This in turn will generate far greater awareness of the serious anomalies and inherent risks within the Australian Financial Sector. It may also answer the questions for so many Australians whose lives have been smashed by the deregulated "free market" Australian Financial Sector, directly and indirectly, including the big ones: Why weren't we told? How could this be allowed to happen in Australia? Consumer protection isn't for just for the elderly - it benefits all Australians. We've been badly misled by those entrusted to protect us,...
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  • doyla66
    doyla66 says #
    Yes, infestation of "Mainstream" banking Full-Doc products must be a game changer & raise the necessary eyebrows , if not, the cur
  • Denise
    Denise says #
    Thanks for your kind thoughts Hugh. I met with Geoff in Canberra and also other members and they support our efforts and our peti
  • doyla66
    doyla66 says #
    Hi Denise & BFCSA Members, Why not join forces with Unhappy Banking, link together to call for the Royal Commission? More Support
  • doyla66
    doyla66 says #
    Good idea Hugh. UNHAPPY BANKING also has good evidence about the BANKS FRAUDULENT activities.
  • doyla66
    doyla66 says #
    Hi Denise & BFCSA Members, Why not join forces with Unhappy Banking, link together to call for the Royal Commission? More Support
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With Credit Card Losses at Record-Lows, Issuers Are Raking It In
Do most Australians assume that if you're over 18 you can drive a car and operate a credit card with safety? Neither are true as we've witnessed over and over again. Is the lack of proactive regulatory oversight due to a clear conflict of interest for the Australian Government?   This information (below) comes from a US site for a Credit Card Merchant Service. The site contains a lot of good information on international trends in credit card usage and the regulatory initiatives that are being trialled for the domestic economic management in a global marketplace.  It looks likely that Credit Card bonds will be issued at an increasing rate. My concerns are that this will: Increase consumer access to relatively unregulated credit at a high rate of interest Increase consumer exposure to serious debt related problems Increase the pressure on consumers to participate in imprudent credit card usage through advertising...
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  • doyla66
    doyla66 says #
    Re: Debit Card(Bank of Melb') - years ago it apparently also had a credit facility of $50.00 (go figure) & an unathorized transact
  • doyla66
    doyla66 says #
    Thanks Geoff - your awesome!!
  • doyla66
    doyla66 says #
    Wow! Thanks JJ and Geoff. Timely advice for me too! I'll probably need more information to make this work and be confident enough
  • doyla66
    doyla66 says #
    Your blog is relevant, I felt, to that just posted by Denise to which I replied. Under "Privity of Contract," as many may know, a
  • doyla66
    doyla66 says #
    Hi Geoff - what you have said is of interest to me greatly. My friend had an ANZ credit card and fell on hardtimes (death of partn
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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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Colin Chaplin
"Federal Parliamentary Secretary for Agriculture Sid Sidebottom, whose northwest Tasmanian marginal electorate of Braddon is home to Premium Fresh, warned that banks cracking down hard on rural borrowers had played a part in the company's difficulties." Comment: Federal and State assistance to rural growers - why not ask the excessively profitable BANKS to back off and let growers get on their feet again? - find other markets, adapt their business to changing Australian marketplace, find solutions to supermarket chains exploitation driving farmgate prices down, get paid by their own creditors. The writing is on the wall and this is just the beginning of this phase of Australian financial meltdown. Unintelligent and bullying Banks have wrecked lives, farms, rural communities and destroyed access to generations of agricultural wisdom in Australia for long enough - all in the name of GROWTH, MONEY and POWER. Kick the blood suckers out NOW. A new financial...
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