BFCSA Blog

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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Posted by on in Corruption Exposed
Dear members Any casual observer to our site might think at present we are only talking about the Senate submissions and rightly so. From personal experience we have been lobbying Canberra for six years and have had no response from numerous personal letters, it's only in-house letters from our local federal MP that rated a response due to parliamentary protocol. This new coalition government is still on a learning curve but at least acknowledge there is a problem in the banking sector that requires a root and branch investigation and if Joe Hockey doesn't come good his words will come back to haunt him. For the first time in six years the joint prospect of a Senate hearing into ASIC and a parliamentary hearing into the banks is a huge leap forward although I don't approve of the government consulting with the banksters before it starts. Many bfcsa members as well...
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  • doyla66
    doyla66 says #
    I still find it hard to believe that people are sitting on their hands and leaving this up to someone else to do the work. People
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The Four Corners program aired 30th Sept re Cover-Up involving RBA, ASIC, APRA and Australian Federal Police into Note Printing, displayed a striking resemblance of the way BFCSA members have been treated by the powers to be namely ASIC, Federal Police and Government with their neglect and sinister ways of protecting every evil person in the Banking and Financial industry and ignoring all evidence thrown into their laps.  Just goes to show how underhanded and evil the people running these departments and companies really are. Not one of them could lay straight in bed with an attitude of "you can't get me". ASIC once again has failed dismally in chasing down and convicting these powerful criminals and lying through their back teeth to government and Senate inquiries, but then again they are a huge part of the problem festering in the background. When will Government say enough is enough and jail these people for protecting...
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  • doyla66
    doyla66 says #
    The broader view has been ignored by all political parties. When the full impact of the Broker Model Banking Crisis is complete ho
  • doyla66
    doyla66 says #
    Tony, sounds logical; "do-able" & not some radical doctrine pushed by al-Qaida linked Somali Islamist militant group al-Shabaab.
  • doyla66
    doyla66 says #
    Excellent post, Duped. That's what struck me and others I chatted with today. Just like the BFCSA treatment - our cases a mega co
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From America ... Sunday, September 22, 2013 by: J. D. Heyes A Wells Fargo Bank depositor has charged in a lawsuit that the institution forces its branch managers to meet quotas for new accounts and that they do so by forging customers' signatures on applications.According to Courthouse News Service, the depositor, David E. Douglas, has filed suit against the bank and three managers and assistant managers in the Los Angeles Superior Court. Named in the suit were Michelle Romanoff, assistant manager of the bank's branch at La Cienega and Wilshire; Arthur Davis, branch manager at Century City; and Alex M. Fuentes, branch manager and assistant vice president of the Wilshire-Crescent branch.In the suit, Douglas described himself as a "long-time valued customer" of the bank. He also said he recently learned that Wells Fargo "has had and continues to have a policy of requiring its employees and branch managers to meet a...
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  • doyla66
    doyla66 says #
    Nab always manage to produce old documents which allegedly provide their innocence in their cases, but Nab also manage to lose man
  • doyla66
    doyla66 says #
    In our court case 2012 Nab representative Barrister Mr. Adam Segal and Thomsons Lawyers produced a flimsy document almost looked l
  • doyla66
    doyla66 says #
    NABbedNana, this doc's a douzi; not signed by borrower, bank lawyers signed & filed in the Titles office 5mths before entering any
  • doyla66
    doyla66 says #
    Not only thieves in suits, Nanna - heaven knows they're common enough and make up a large proportion of our financial services ind
  • doyla66
    doyla66 says #
    Yes, Andy, it has that flavour about it. There must be so many more stories of bank misconduct, beyond the glorification of Wall
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Dear members  For six weeks I gave the Senate submissions website a hard time for being offline for maintenance. I truly believed once back online that there would be numerous submissions published, I was a little dismayed to see only an extra twenty one posted. Members, how can we expect Denise to mount a full frontal attack and stand in front of the committee and say there are over a thousand  members of bfcsa with fraudulant LAF's if we can't back her up with submissions. REMEMBER, ASIC will pounce onto the low number of submissions as proof that LAF fraud is not endemic. If you are a victim of bankster greed it is your duty to put in a submission. Before joining bfcsa early this year my wife and I had lobbied Canberra politicians and regulators as far back as John Howard and Peter Costello and achieved absolutely nothing from both...
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  • doyla66
    doyla66 says #
    http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/ASIC
  • doyla66
    doyla66 says #
    I admire your strength and determination to never give up Nanna. I suspect that loosing your beloved home would be one of the most
  • doyla66
    doyla66 says #
    I agree with you all. Time to get moving.!!!!! My home is gone, my grandchildren cannot understand why they cannot come and stay
  • doyla66
    doyla66 says #
    Hi D.J. Macca, It sounds like we share the same broker. We are also from the old group. We met Denise end of 2008. I was beginning
  • doyla66
    doyla66 says #
    I must say I am appalled to think people tough enough to take up the fight in the first place cant muster enough courage to punch
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AT LAST the Banksters around the world are spooked.  Shredding evidence is a criminal offence and that means they are all in panic mode.  I am sure ASIC and APRA and their pet project COSL will be doing the same thing.   American Banks have already pulled this same stunt.  Nine Attorney Generals in the States were a little miffed at the antics of banks when banksters signed stat decs saying documents were "missing." Nine Attorneys-G took the Bankers to court and won.  A victory for Mums and Dads, who were victims of TOXIC LENDING and fraud.   Judges in nine states were unanimously less than impressed with trillions of missing documents all of a sudden!  Their verdicts? "Gentlemen if you have mislaid the vital evidence belonging to the victim borrowers, then you cannot prove the loans were  prudent!  So loans are now extinguished.......next case please."  Words to effect! So if...
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  • doyla66
    doyla66 says #
    If my Bank cannot produce the ORIGINAL DOCUMENT containing MY SIGNATURE then the loan does not exist. I now have a copy of the LOA
  • doyla66
    doyla66 says #
    Agree, Nanna. How many other times have NAB said we can't find it and then the paperwork turns up after the court case and after r
  • doyla66
    doyla66 says #
    Loved to read this post. I know as do all BFCSA members this shredding game is just that, tactics to take advantage of you, me and
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Dear members As the much awaited Senate hearing into ASIC approaches the banksters must be getting wary regardless of how much their parasitic lawyers try to calm them. The banksters and their leeches have access to the submission website the same as us and it can't bode well for the banksters just on those seventy submissions with more to be released once the I.T . problems are sorted. The published submissions so far are a damning indictment into how ruthless and underhanded the banksters and their lawyers have become. To be able to have so many submissions aired in a public forum where the lawyers can't protest or interfere with information being suppressed will be a god send and the fact its a committee and not a magistrate wielding control will go a long way in getting a fair hearing. I realise the hearing will focus on ASIC's performance or lack...
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  • doyla66
    doyla66 says #
    Typo- My feeble eyes missed the underscore between Parliamentary_Business, apologies
  • doyla66
    doyla66 says #
    Senate submissions up and running with ninety submissions posted so far. Thanks to Dr Sean Turner who replied within twenty minute
  • doyla66
    doyla66 says #
    New Links: Inquiry Home Page: http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/ASIC Submissions: http://w
  • doyla66
    doyla66 says #
    Maria B, 1 pm just emailed Dr Sean Turner at economics committee for clarification, will blog answer once recieved.
  • doyla66
    doyla66 says #
    Neil, we all need to go public ASAP: Sub-50: Name Withheld (PDF 126KB) ~ by Mr XXXXX; and Response received from ~ ING DIRECT (
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Australian troops in Afghanistan have been withdrawn due to terrorist threat at home. by Grosz, Chris
   Banking Blockade: Our life and liberty, is under attack; the right to express any (just) opinions without censorship or restraint.  Created: 24th October, 1pm GMT-- "The Bank of America is one of the principle promoters of the financial blockade; it is also the creator of VISA, which until 1976 was called the “Bank Americard”.  In February this year, it was revealed in detail that the Bank of America had commissioned (thru Washington lawyers) a consortium of three US intelligence contractors to propose a systematic multi-pronged attack to hack and smear (WikiLeaks).  The correspondence and proposals, which include plans to target journalists and lawyers supporting WikiLeaks, are now public--         Feed the fuel between the feuding groups. Disinformation. Create messages around actions of sabotage or discredit the opposing organizations. Submit fake documents and then call out the error.  Create concern over the security of the infrastructure. Create exposure...
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ASIC loss in Opes case renews corporate crime debate         by: Leo Shanahan       From: The Australian September 07, 2013 12:00AM      FORMER Opes Prime director Julian Smith walked away from the Victorian Supreme Court yesterday a free man, not guilty of any crime associated with the $700 million collapse of the company. The acquittal of Smith on charges he duped a bank into lending him $95 million just days before Opes Prime collapsed is a loss for the corporate regulator ASIC, and will spark further debate about courts' treatment and ASIC's pursuit of those accused of corporate crimes. Only two weeks ago former Gunns chairman John Gay escaped a prison term despite pleading guilty to insider trading when he sold 3.4 million shares in Gunns in December 2009, just before a profit downgrade of which he had privileged knowledge. The decision to instead give Gay a $50,000 fine and ban him...
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  • doyla66
    doyla66 says #
    ASIC heralded? noun: 1) to oversee ceremonials/proclamations; 2) a sign/a change in policy, or (3) a brown moth often hibernating
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Posted by on in Corruption Exposed
Dear Members I have just stumbled upon an online magazine for brokers and what an eye opener it is. We are the victims of the whole sordid financial industry whereas they and the banksters are the profiteers it seems to me. It's articles outline everything from John Symons from Aussie recognising high volume sale brokers by rewarding them with membership into the prestigious Chairmans Club. This magazine also gives us an insight into how the brokers think and do business. Alot of brokers blog responses to articles that have been posted, and give alot of reference to the service calculator.  One broker, number ten on the blog under the name of truth stated St George's assessor used a different calculator than they did. Also of interest is the online survey asking brokers if they have experienced discrepancies between the lenders service calculators and their credit assessors. Maybe at last the brokers might...
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  • doyla66
    doyla66 says #
    ASIC don't like being made to look like wallys in public. They're supposed to be the untouchables and people are not understanding
  • doyla66
    doyla66 says #
    Banks cannot even produce a good clean copy of clients 'original' application. Not even the ones that involve Bank Managers and n
  • doyla66
    doyla66 says #
    FOS were so slack they never ever even asked for the original LAF from the Broker. Nab did not get the LAF because the broker nev
  • doyla66
    doyla66 says #
    Our FOS case finished in 2011. FOS are hypocrites, glossed over the facts of the Brokers input and the fact that no authorities w
  • doyla66
    doyla66 says #
    Nanna, FOS says 30Aug--which states, paragraph 85.b) "Under cover of a letter dated Mar, 2012 the FSP provided a copy of its credi
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United States Attorney Preet Bharara, right, announcing the charges against two former JPMorgan Chase traders on Wednesday.
US Attorney Preet Bharara (right) announcing criminal charges against two former JPMorgan traders 14 Aug, 2013.. intensify scrutiny of bank’s executives in NY, where lax controls and the pressure for profits aggravated the problem.   The federal authorities took aim at not only the traders but the bank and its top managers, including it's CEO Jamie Dimon, who originally dismissed concerns about the trades -- translating $6billion in loses -- as a “tempest in a teapot” before later acknowledging that he was “dead wrong”.   An advocacy group says..“two arrests are a good start, but the govt must also apply the law without fear or favor to the wealthy of Wall Street."     JPMorgan Chase London traders disguised the extent of their losses, as a huge bet spun out of control last year, and extradition of the traders is hampered by Mr. Martin-Artajo being away from London on vacation & Mr. Grout left London this year...
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  • doyla66
    doyla66 says #
    US going after minnows. Window dressing to be seen to be doing "something". Planned prosecution of token traders. What did they d
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Piggy Bankers created the six units of separation: to escape liability? Posted by Denise Brailey on Monday, 09 July 2012 in Corrupt Regulators Hits: 182 On behalf of all consumers of banking products and services in Australia, we are seeking urgent answer to the following questions:-   1.      Which Bank flagged a hybrid Low Doc Model to all the other lenders so that the product miraculously appeared on every lender’s books at the same time?   2.      Which Bank designed the six degrees of separation between lender and borrower and ensured the plans were identical?   3.       If it wasn’t for the Banks intended ‘arms length’ to claims from down the chain, why was the same arms length, otherwise necessary? Pensioners and Low Income families, labelled by those banks as “Asset Rich Income Poor” (“ARIP’s”), are now dependent upon urgent responses to these three questions in order to avoid being thrown out into the Streets.   On the 21st November 2011, BFCSA...
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  We're far too tame and compliant in Australia. We must stand together and fight for our rights as well!  Way to go, Ireland! https://www.youtube.com/watch?v=CBE0tqqOOIQ&feature=youtube_gdata_player&noredirect=1...
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  • doyla66
    doyla66 says #
    Andrews, of course there those who will abuse any system (on all sides), HOWEVER the evidence of BFCSA is overwhelming. We need a
  • doyla66
    doyla66 says #
    It goes without saying there are good and bad on both sides of the equation. If a consumer wants a loan badly enough they will go
  • doyla66
    doyla66 says #
    Sorry Andrews but you off the mark. While what you say may be the case with some I'm afraid you have not been through what I have
  • doyla66
    doyla66 says #
    Andrews are you trying to re educate some of the most experienced people on this planet on bank scams and brokers involvement and
  • doyla66
    doyla66 says #
    If you are insinuating that the fraud is instigated by Brokers you're on the wrong track, Customers can and do go loan shopping b
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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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We need to topple these bankers before they steal all assets/homes they can lay their hands on.  The Banks have pricked the Bubble and refinancing has stopped, which means TOP UPS have to be hidden for a short while.   The new NCCP laws do have the UNJUST CONTRACTS provisions that NSW had for over 30 years.  If you were from NSW you were protected from Banks for 30 years.  ASIC forgot to tell the public that fact!!!  How many bankers did the Corporate Fluffy Duck Cop prosecute?  Zero!   Government is blamed for allowing Brokers who are untrained and unlicensed to give financial advice, untrained to use bank strategies  provided with devious bank stationery and bank Manager teachers to ascertain whether your loan is affordable....something Brokers are not permitted or qualified in law to do so.  Yet Government permits the charade to continue and why the overly expensive broker model...
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  • doyla66
    doyla66 says #
    Thanks Denise, I too was not aware of Paul Clithero being in bed with these low lifes. I was under the impression he was helping w
  • doyla66
    doyla66 says #
    Ohhhhhhhh so Paul Clithero is not the nice helpful person i naively thought he was. Thanks Denise for revealing his true image. I
  • doyla66
    doyla66 says #
    You are dead right Lisa that's exactly what my broker did, but I was unaware at the time.
  • doyla66
    doyla66 says #
    You are completely correct Denise, Brokers cannot approve a loan and cannot provide funding, the engineers behind the Brokers are
  • doyla66
    doyla66 says #
    I was wondering why instead of having LAF with one figure for the loan, it was split on two forms. Now I Know ,this was done witho
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As Defined by The Code for Finance Brokers of Australia Ltd   Finance Brokers Association of Australia Ltd ACN: 094 784 040ABN: 22 094 784 040 Finance Broker For the purposes of this Code a Finance Broker is defined as being a person, corporation or partnership, that, as an agent, in the course of business negotiates or arranges loans of money or other credit facilities on behalf of Clients and is paid for that service either by the Client or a Credit Provider or both, including the act of originating and/or managing such loans or Credit Facilities on behalf of Credit Providers.   http://www.fbaa.com.au/code_of_conduct/defined_words#broker   I guess when it is defined (chiseled in stone) in the Finance Brokers Code you can not get much clear than that as to WHO THE FINANCE BROKER ACTS FOR. If an agent receives a remuneration of on selling a product/service then he/she represents the product/service.  The...
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  • doyla66
    doyla66 says #
    I love your style Mort.
  • doyla66
    doyla66 says #
    Today's Australian Business, Michael Bennet, Banking - "Westpac, CBA woo mortgage brokers with better incentives........CBA owned
  • doyla66
    doyla66 says #
    "Specific feedback" - I can just imagine! Full on competition for borrowers who can sign up for "affordable" loans? Pond of minn
  • doyla66
    doyla66 says #
    Irrefutably Broker-acted-in-capacity-as-Lender's-Agent authorised to satisfy 100pt ID Check specified in AML/CTF Rules; --Joint an
  • doyla66
    doyla66 says #
    Agreed Mort. We had to write a letter to our bank so they could take over from the broker (same bank, same loan). Why would this
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ASIC  has charged Jonathan Moylan for FALSE AND MISLEADING statements.  Can you believe the hyprocisy of ASIC. Jonathan was responsible for Whitehavens stock loss hoax. Why hasn't ASIC charged the banking sector for CORRUPTION ! Why hasn't ASIC charged the "Big Oil" companies for not using the right amount of ethanol in their petrol mix which is a criminal offence. Maybe if young Johathan was rich he would NOT have been charged. CERTAINLY MAKES ONE WONDER !...
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  • doyla66
    doyla66 says #
    How many thousands of "deceptive and misleading statements" do we have records of from Banks, Bank Staff, FOS, COSL and ESPECIALLY
  • doyla66
    doyla66 says #
    The Australian Securities and Investment Commission confirmed that Mr Moylan was charged with one offence of breaching section 104
  • doyla66
    doyla66 says #
    Put Bankers behind bars for Fraudulent Lending should be front page news WHY ISN'T IT?
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Greg Medcraft is presiding over a basket case regulator.  He could well be the reason for the escalating high turn-over of staff at the Australian Securities and Investment Commission.  Decent people loathe having to work in a corrupted work environment.....they will simply move on.  Consumer complainants now realise that their cases are being dealt with in a slow manner but by "nice caring people" and then those people leave and another takes her/his place.  The complainant is told investigation into their case has to start all over again.  Shortly after its CASE CLOSED. My guess is there will be a mountain of submissions lodged with the soon to be opened Senate Inquiry into ASIC.  Submissions accepted after 8 July 2013. I have kept a library full of stupid response letters from ASIC to consumers and RECA, dating back to 1998.  We will be releasing those shortly as an additional Breaking News...
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  • doyla66
    doyla66 says #
    Greg Medcraft doesnt just need to be sacked but fined for his apathy.
  • doyla66
    doyla66 says #
    It sounds like you would do a great job. Plant a BFCSA member inside ASIC with wires. I can see you lasting a week at least, befor
  • doyla66
    doyla66 says #
    Thanks, Maria. I just thought I might make some pocket money and do some good at the same time. At least until ASIC is shut down .
  • doyla66
    doyla66 says #
    How hard is it to get a job at ASIC assessing these cases? What qualifications are needed for the job? Does anyone know? Are th
  • doyla66
    doyla66 says #
    Lisa, RBA/Treasury-headhunter's footnote; precursor-- "only mates of PM & 30bank$ters need apply", and have a nice day :-)
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Posted by on in Corruption Exposed
    ABC TV THE BUSINESS 27th of June 2013 ANGLO IRISH BANK. John Bowe Peter Fitzgerald Interesting listening, then  following a very interesting interview with David Buik 9:17 into the program and the Grand Finale is 14 minutes in. WOW! Ouch... http://www.abc.net.au/iview/#/view/40085   Enjoy   MORT  ...
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  • doyla66
    doyla66 says #
    LoL, if nothing else, you must concede it brings new meaning to "wiping one's debt clean", in accordance with the terms, strictly
  • doyla66
    doyla66 says #
    This is exactly how the banksters operate. Where are those two from the Ireland bank now? Living it up no doubt. This sounds exact
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Anglo Tapes
Bank$ters caught on tape, revealed a concerted effort by executives in Anglo Irish to defraud the Irish state's, Central Bank. Mr Bowe, Anglo's CEO, jokes,"This is a €7bn bridging. So you know, it is bridged until we can pay it back...which is never." When the financial crisis gathered pace in 2008, Dublin provided a blanket guarantee to try to bolster confidence in its financial system; a strategy which backfired spectacularly as Dublin was later forced to inject €64bn into its main banks. Anglo Irish, the first big Irish bank to get into trouble & request aid, is forecast to cost taxpayers €30bn; eventually rebranded, then liquidated earlier this year(2013). The chairman & CEO are recorded laughing & joking when discussing the request for €7bn in bridging finance from the Central Bank. (Former Chair) Fitzgerald asked (former) CEO Bowe how €7bn was arrived at--- “Just, as Drummer would say, “picked it out of my arse,...
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  • doyla66
    doyla66 says #
    "The revelations contained in the taped phone conversation drew fresh calls for Dublin to hold a public inquiry into its banking c
  • Denise
    Denise says #
    We have a Banking Crisis here in Australia....why the silence? Why no Royal Commission?
  • doyla66
    doyla66 says #
    the bank deliberately misled regulators as it sought help during the financial crisis Did any of Australia's Inquiries look at si
  • doyla66
    doyla66 says #
    Economists:'moral hazard' may occur if a party that is "insulated from risk" has more info about 'its' actions & intentions than t
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Commbank (CBA, Commonwealth Bank), Ian Narev, ASIC, receivers, Bank of Queensland, FOS, COSL (Ombudsman) are one big happy family that protect each other. What about your protection from them? Compliments from Whistleblower001 :   http://www.youtube.com/watch?v=twuTszAHrvY 1:47 min. duration and well worth watching.  Definitely ccmpulsory viewing for CommBank Board...............we are coming after you lot.   ED:  Highly recommended you watch.  Very Clever:  It shows whose in bed with whom.  One BIG FAMILY OF MALE MOBSTERS and the very GENE POOL we have been warning about....
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  • doyla66
    doyla66 says #
    The CBA "wealth package" is well named. It will certainly steal your wealth.
  • doyla66
    doyla66 says #
    Very interesting clip John.....as the saying goes......[/b]IF YOU LAY DOWN WITH DOGS, YOU'LL GET UP WITH FLEAS
  • doyla66
    doyla66 says #
    As each day passes, the once tiny cracks get wider and wider while each polluted member of this happy family become more concerned
  • doyla66
    doyla66 says #
    Any wonder they really believed they could get away with it, they're all in bed together. The cases with FOS should all be frozen,
  • doyla66
    doyla66 says #
    With the club of Crooks: ASIC , the Banks ( in my case the CBA and ANZ ) , BFSO, FOS and any others you can think of, being so tig
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