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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ASIC has virtually behaved like a mad guard dog biting the throats of falling prey of predatory bankers by discrediting victims of bank loan fraud.  How dare we complain about corporate thieves known as Banksters. Police know who the criminals are - they know where they work - they can see the documents riddled with fraud - they know whose finger prints are all over the fraudulent documents - they know its a time bomb and thousands have been affected.  Police know where these criminals live and where the loot is hidden - in the bonus packs. So why is there NO PROSECUTIONS?  Why are Bankers free to maraud around the suburbs stealing homes?  Where is the Justice System?  ...
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  • doyla66
    doyla66 says #
    We have committed no crime at all and yet we are being lined up like sheep to the slaughter house. What kind of Government does th
  • doyla66
    doyla66 says #
    Lisa I would like to add this. "Can it take the heartache out of losing ones's beloved home." Can it stop the gnawing pain of f
  • doyla66
    doyla66 says #
    I don't believe anything can take away the heartache of losing ones home. This is what we're facing as are others unless we agree
  • doyla66
    doyla66 says #
    They even induced me to accept toxic loan for $0 income in our signed statement of financial position of LAF. They told me that n
  • doyla66
    doyla66 says #
    I just wonder where this up and coming Senate Inquiry and the Roots and Branches inquiry are going to lead. One only prays and hop
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ASIC is blowing hot air, yet AGAIN.  20 complaints?  Our members sent ASIC 150 which its officers refuse to investigate.  The evidence presented with the letters shows that fraud is being carried out INTERNAL to the LENDERS.  The LAFs are being altered after the Broker faxes the paperwork to the credit assessors.  ASIC knows this, as I spent 150 mins briefing the Commissioner.  Its not the Brokers.  The evidence shows its THE BANKS.  Otherwise how do we explain 100% LAF Fraud on all loans Low Docs and Full Docs?   ASIC wants Brokers to turn on each other and trick the industry into believing its a few rogue brokers at fault.  That is false.  How do we then explain why 100% of the LAFs we have uncovered have been tampered with, after they were signed and after they were faxed?  That's why we asked all Members to ask for Bank's copy -...
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  • doyla66
    doyla66 says #
    mortgage Frauds have been increased in 2013 i think people by their own also have to gain some knowledge about the mortgage brokin
  • doyla66
    doyla66 says #
    I think the safest thing for ASIC to do, once again, is to shut up about their non-achievement record. Hitting brokers is like sh
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For those who may think we do not give Consumers a fair go who actually loved dealing with the Australian Investment and Securities Commission ("ASIC") we have been trawling through the Senate Submissions looking for a "Happy User" of ASIC's consumer complaints experience.  SURELY THERE IS ONE HAPPY CUSTOMER?  We thought we had found one in the COMMENTS section of our useful and very public online FORUM.  But not so lucky......You see the comment was obviously written by an ASIC bod who wanted to have a say in favour of ASIC.   Well the bias is obvious but in fairness again I have decided to BLOG this person's anonymous yet exuberant attempts at give ASIC a ten out of ten.  His/Her name is "Hello."  It quotes two submissions:  # 120 (the other is 196) from the Consumer Credit Legal Service that ASIC pays from time to time to compile reports on...
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  • doyla66
    doyla66 says #
    The longer CAP, ASIC, FOS, COSL, APRA and all the rest lack consumers and true consumer representation the bigger the divide will
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The Australian Securities and Investment Commission ("ASIC")  is under fire in a major way.  The gates are open for everyone to send in a submission and a second one if you so choose.  ASIC had three tasks: the regulation of financial products and service - banks were the engineers , consumer protection a priority and, consumer confidence in the market place - the world of Banking. End users of ASIC's services, for over a decade, have slam dunked ASIC's ability to master the art of consumer protection and consumer confidence.  The submissions show the regulator has failed on all levels.  The bleating of apologist Greg Medcraft as Chairman of this debacle are pointless at this late stage.  He had a chance to get tough and acted as a limp lettuce, pursuing instead, his own career ambitions as head of IOSCO.   His lordship spends his days on junkets around the world doing very little if anything, for consumers in Australia.   IOSCO has not held...
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  • doyla66
    doyla66 says #
    So ASIC would rather see borrowers adrift in the sea of confusion and pain, all on their own and up against it, completely without
  • doyla66
    doyla66 says #
    worth a read ASIC‟s performance We are generally very impressed with ASIC's performance as a regulator of the areas of consumer l
  • doyla66
    doyla66 says #
    No one is too big to jail, Wall Street cop says Although Hollywood has a movie starring Leonardo DiCaprio as the "wolf," the real
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The only ones singing ASIC praises are ANZ - well there's a  surprise!  No wonder a Senate Inquiry was called. Consumers are fighting This email address is being protected from spambots. You need JavaScript enabled to view it. Focus remains on ASIC as Senate submissions climb   4 December, 2013 Jason Spits 1 comments Submissions to the Senate review of the Australian Securities and Investments Commission (ASIC) have passed 350, with the vast majority submitted by individuals complaining of perceived failings by the regulator. The Senate Standing Committee on Economics had so far received 248 submissions from individuals, 104 with the name withheld, with common causes of complaints relating to low doc loans, the failure of broking firms and the actions of auditors and liquidators. The Committee had also received 40 submissions from organisations, including ASIC and Treasury, with no financial planning groups making a submission at this point. A number of industry associations have made submissions including the Financial Planning Association (FPA), the Association of Financial Advisers...
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  • doyla66
    doyla66 says #
    It is totally pointless for our Banks to plead their innocence the rest of the western world is in the repair stage and fixing the
  • doyla66
    doyla66 says #
    People and organization's not including the media finding systemic fraud by the bankers. Greggy guess the below are all trying
  • doyla66
    doyla66 says #
    Its a surprise Medcraft considers that is ok to spend public monies running an advertising campaign solely designed to save his ow
  • doyla66
    doyla66 says #
    Hmm........new member here who until not so long ago thought she was the only victim and finally the article needed to join in - s
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Abraham Lincoln1863.. "that this nation, under God, shall have a new birth of freedom-- and that government of the people, by the people, for the people, shall not perish from the earth." No Time to Lose:- Train Your Watch-Dog to Bark again - without fear, nor favour. The Entire Nation Will Thank You. You'll rediscover the peace and quiet of living in your own home --- a privilege once lost, during the 'Sociopathic Period" when the Nation was over-run by nasty Bank$ters, with our highly requested Bark Enhancement Devices. Compared to other inferior Watchdog Endorsed Ponzi-like Products that are ineffective and shockingly inhumane, our "Bark-up" units (special this month only) are humanely designed, to give your Chairmen back his  BARK-UP, FRONT-UP TO Senator's Inquiries - care free kind of appearance! We even include our exclusive Chairman's Choice - YOUR Home or Money Back Guarantee! Good Life® Return Policy Don't worry, we've got you covered! In...
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How can an expensive yet ineffective and lazy regulatory watchdog allow the corporate criminals of the banking sector who invented unaffordable loans by deception, to creep into your home and claim the asset as theirs?  Isn't that "home stealing?" Tomorrow the Senate will be questioning ASIC (Weds 20th), in the Senate Estimates Committee Hearings.  Lets hope some curly curve ball questions are thrown at ASIC as to whether they are underfunded to take banker criminals to court? If you were in Parliament tomorrow: what questions would you like to ask of ASIC? http://www.aph.gov.au/News_and_Events/LiveMediaPlayer?type=1&vID={060900B6-43E7-40AA-B939-7C12AAE5DBA9} Perhaps we would like to ask them  to donate the ASIC executive staffers' over-bloated salaries to the VICTIMS OF ASIC FUND.................? This email address is being protected from spambots. You need JavaScript enabled to view it....
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  • doyla66
    doyla66 says #
    ASIC is the same as Aussie Home Loans 80% soon to be 100% owned by Commonwealth Bank so its obvious Lisa where Greggy gets his per
  • doyla66
    doyla66 says #
    Too true, Neil. I take it you've seen Levitt's submission!! ASIC & CBA too close, ASIC driven by CBA agenda, ASIC not accountable,
  • doyla66
    doyla66 says #
    Ask ASIC: 1. What their overpriced business registration website and portal is still apparently incomplete and does not integrate
  • doyla66
    doyla66 says #
    4. Regarding the Loan Fraud evidence, are ASIC competent to assess this and are they still willing to dismiss the Fraud allegation
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Ever tire of hearing ASIC willbee's?  See how many times ASIC executives answered the Senators questions In Parliament with: "we will be."  Remember ASIC's bleating in 2004 "we will be getting tough with wealth creation spruikers."  Their idea of 'tough' and using Enforceable Undertakings is not the public's idea of getting tough and applying the law.  ASIC have power over criminal law and remedies, so why is it that those tools are rarely if ever used?   What's an EU?  Its a piece of paper signed by the crook and signed by ASIC Executives stating "ASIC agrees to shred the complaint, wipe the slate clean, drop the mention of misleading and deceptive and/or fraud and forgery and all is forgiven.  Criminal agrees to stand in the naughty corner and never transgress in the future."  Problem solved and, the victims can all go home....if they have one to go to.  Everyone happy.  Done...
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  • Denise
    Denise says #
    Dear Mr Munchenberg and other dumbo's at the ABA. Our sub prime lending cartel is everyone's business and everything to do with t
  • doyla66
    doyla66 says #
    ASIC - "do as we say, not do as we do" eh? The rules obviously don't apply to ASIC! ASIC are corrupt, incompetent at Law governanc
  • doyla66
    doyla66 says #
    Remember when the ASIC Inquiry was announced and the ABA said, well that's nothing to do with the Banks? Are the ABA and Munchenb
  • doyla66
    doyla66 says #
    Yeh, ASIC are certainly consistent!!!! Just fob us off with "GO TO FOS" we cannot help. That is consistent alright. All 3 compla
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Dear members In one of the latest Senate submissions, number248 a former ASC employee, ASIC's predecessor stated that when each states corporate affairs regulators merged to form the ASC and then ASIC that many junior staffers were promoted  three times within months to fill depleting ranks. He stated many of those inexperienced people now hold senior ranks. At this time staff were too concerned with inter office politics than the job in hand. He states ASIC is full of lawyers and very few people with market experience. If you don't know what documents are being used in an industry, broad requests for documents will only result in compliance people only complying with the notice and not the intention of the notice. Whilst at the ASC he witnessed this many times and it still applies today. The writer of this submission  left over fifteen years ago as a result of the deterioration of...
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  • doyla66
    doyla66 says #
    This EDR process of negotiation with Lenders is just a sham. Neutral ground is where talks between lenders, customers and FOS sho
  • doyla66
    doyla66 says #
    What the Australian Public and consumers alike are seeking is accountability for public funding of ASIC. Notwithstanding the fact
  • doyla66
    doyla66 says #
    From personal experience, when financial disaster strikes, what I really needed was an understanding human being to reassure me an
  • doyla66
    doyla66 says #
    Superb post, Neil. It's all getting better and better! So many came out of the woodwork to independently support our stories of ne
  • doyla66
    doyla66 says #
    The junior inexperienced staffers were deviously promoted to fill the Senior positions purposely for the benefit of the corrupt hi
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HomeSectionsBusiness Strategy Why ASIC is watching your Facebook page by Amy Rosenfeld | 07 Nov 2013 MOST VIEWED Why ASIC is watching your Facebook page1 comments Brokers need to be wary of what they put online – or face the consequences, say legal experts. Managing change: Is your brokerage ready? The mortgage industry never stands still and neither should your business. Learn the best strategies for successful transitions. My toughest test... with Josh Bartlett Each week MPA brings you advice from the industry's thought leaders on their biggest business challenge and how they tackled it. SPECIAL REPORTS 2013 Brokers on Non-Banks 2013 Brokers on Banks 2013 The Diversifiers Social media is categorized by brief, informal and often relatively impulsive messages. But brokers need to be wary of what they put online – or face the consequences, say legal experts. Regulatory bodies in the UK and US have recently made statements making plain...
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The Australian Securities and Investments Commission has isolated itself from key stakeholders and developed a “glass jaw” to criticism, according to leading directors and senior executives:  PUBLISHED: 31 OCTOBER, 2013:-  http://www.afr.com/p/national/asic_hit_by_deluge_of_criticism_VrF8LDdmeiHyUGuCVmidrK  ...
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  • doyla66
    doyla66 says #
    Hi Andy, do you have the rest of this article? Good to see the corporate world having a go at ASIC as well! Criticism goes with
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Let the Games Begin.  ASIC is at long last is being placed under a microscope: should it be scrapped or should it be rebuilt from the ground up?  One thing is for sure its not a boot maker's bootlace when it comes to handling consumer complaints.  Anne Lampe used to work for ASIC and is an excellent journalist, and she has thrown a bucket of slops all over ASIC and thoroughly deserved.  Read her submission on the Senate website.  Ours will be up in a couple of days.  Everyone will start blowing the whistle on ASIC's non compliance with its own laws.  In fact, ASIC executives became a Law Unto Themselves:  Fat cats in need of a shakedown.  There are thousands upon thousands of people who were left suffering ASIC's nonsense during the paste 14 years.  They have been paid over $6 billion these last few years, sitting on bloated salaries and doing very...
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  • doyla66
    doyla66 says #
    It seem to me that ASIC have been looking upon Fraud as two different types, one the legal kind of Fraud and secondly the illegal
  • doyla66
    doyla66 says #
    I would imagine that there will be a lot of shuffling around of staff within the banksters organisations now. All banks are in it
  • Denise
    Denise says #
    Hi Lisa, I answered all questions from senators for 45 minutes on 8th August 2012 in Parliament and never found need to ask for "q
  • doyla66
    doyla66 says #
    No more questions on notice. ASIC have had advance warning from the submissions - even submitted their own interim reply. I reall
  • doyla66
    doyla66 says #
    Now that we finally have submissions into the Senate Committee there should be obvious signs for any Bank employee that the bubble
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Well we know what ASIC has been busy with this past decade:  handing out fines to Brokers for "non compliance of its old and new laws."  We have been consistently warning Australian Mortgage Brokers that ASIC will come after you chaps but will not use the 2010 laws against fraudulent loans generated by bank engineered SERVICE CALCULATORS that automatically fudge client income figures.   ASIC have been fully briefed on what is going on but refuse to act against the PROTECTED Bankers.  ASIC have the laws and the powers to handcuff and charge every bank executive involved in LIAR LOAN engineering.  So what is ASIC doing about that gem?  Absolutely NOTHING..........NIENTE......ZIP............In three years the "new" laws are now "old" laws and they are copies of previous legislative tools that ASIC had in its arsenal but failed to use for 14 years.  AUSTRALIAN BANKS have been handsomely profiteering, racketeering from fraudulent LOW...
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  • doyla66
    doyla66 says #
    "Commissioner Greg Tanzer says that ASIC regularly checks the veracity of information lodged as part of the requirement to lodge a
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Comment: Watch the video interview - excellent and hard hitting. Greg Medcraft not enjoying this at all. ASIC boss Greg Medcraft says corporate watchdog cooperating with police over Leighton bribery claims Updated 10 hours 2 minutes ago View: Video: ASIC Chairman Greg Medcraft speaks to Emma Alberici (Lateline) Related Story: RBA subsidiary's 'dirty deal' with Saddam Hussein revealed Related Story: Leighton Holdings accused of paying bribes in Iraq The head of Australia's corporate watchdog says it is working with the Australian Federal Police (AFP) in relation to allegations of foreign bribery connected to construction firm Leighton Holdings. The Australian Securities and Investments Commission (ASIC) has come under fire in the past two weeks for its investigations of claims of international corruption against a subsidiary of the Reserve Bank of Australia and Leighton Holdings. A joint Four Corners/Fairfax Media investigation last month revealed a company owned by the RBA made illegal attempts...
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Illustration: Kerrie Leishman.
    Illustration: Kerrie Leishman   October 11, 2013 Malcolm Maiden The Australian Securities and Investments Commission should be thoroughly inspected by Treasurer Joe Hockey's promised financial system review. It qualifies because it and the bank regulator, APRA, are the ''twin peaks'' of the system. And it deserves special attention because in the opinion of many, it is too often too slow to react. It has admitted that it should have responded more quickly to whistleblower information about misconduct in the Commonwealth Bank's financial planning arm; is under pressure over its decision to drop a directors' duties probe into the Reserve Bank affiliates Note Printing Australia and Securency; and is on the sidelines as the Australian Federal Police investigate Leighton over bribery allegations. It's one thing to say the corporate cop should be more active and another thing to work out how to make it happen, however. Anything is possible on...
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  ASIC 'does not have legislated jurisdiction in relation to foreign bribery: ASIC chief Greg Medcraft. Photo: Michel O'Sullivan Malcolm Maiden: Funding the key to ASIC overhaul Leighton at centre of bribery scandal Leighton scandal leads to third executive exit October 11, 2013 - 1:06PM Australian Securities and Investments Commission head Greg Medcraft has defended the corporate watchdog's handling of foreign bribery cases, describing its enforcement record as "solid". Mr Medcraft said recent reports about ASIC's alleged lack of speed or action over bribery allegations involving Australian firms, such as those raised by Fairfax Media, were "ill-informed" and that enforcing such cases was a "contested process that takes time and resources". "It is not always simple and rarely swift. Despite this, we are focused on taking enforcement action when we need to. We do not shy away from big cases," Mr Medcraft said at a speech in Melbourne today. The ASIC chairman said...
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  • doyla66
    doyla66 says #
    What did you do, Mr Medcraft, to look after 150 Mum and Dad investors in the Famularo case? Your staff recommended action, you shu
  • doyla66
    doyla66 says #
    SHAME on you MR. MEDCRAFT, SHAME!!! You have a lot to answer for. Your day for that is near! Along with the rest of your corrupt b
  • Denise
    Denise says #
    To lie to Parliament and back up the ASIC catchcry "no systemic issues in banking" is the ultimate action of a criminal mind. Prob
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  Have you ever wondered what the minimum standards ASIC demands for a property adviser? Absolutely none, writes Peter Koulizos. He explains there needs to be a drastic change in regulation of the industry. You would hope that a large and powerful organisation such as Australian Securities and Investment Commission (ASIC) would be keeping an eye on investment advisers who are involved in some of the most important and expensive life decisions people will make. Unfortunately this is not the case. “Why?” I hear you ask.  The simple answer is real property is not considered a “financial product” under the Corporations Act. Anyone can give advice on real property and is not obligated to abide by the Corporations Act nor do they come under the scrutiny of ASIC. This is despite well-known cases such as the collapse of the high-profile property spruiker Henry Kaye’s empire, which was prosecuted by ASIC in 2003 for...
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  • doyla66
    doyla66 says #
    The crooked bastard that we bought our investment property from with his fancy office and his one stop shop for property throught
  • doyla66
    doyla66 says #
    Thanks Denise So is that why ASIC says 'credit provision' is not a financial product? The product is the mortgage which involves
  • Denise
    Denise says #
    THE FINANCIAL PRODUCT and SERVICE is the MORTGAGE to enable the purchase. Property itself can be an asset and could be a giant l
  • doyla66
    doyla66 says #
    Great find, Andy. Important consumer warning. In true "Yes Minister" tradition, we should be asking ASIC: "What do you consider t
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Senate inquiry into the performance of the Australian Securities and Investments Commission (ASIC): don't miss out - submissions close 21 Oct, 2013: Treasurer Joe Hockey: commit to Roots and Branch Independent Inquiry into Banking Sector ~ ASAP! Prime Minister Abbott: allow the Parliamentary Inquiry into ASIC’s performance as a corporate regulator as catalyst to jettison ASIC's 'dogs breakfast' approach served cold daily to consumers.Your govt's vigour to border-protection must NOW be applied to 'ring fence' consumers under fire, by anointing a 'clean hands' three star general to push a fresh, fully-funded, truly independent Consumer Financial Protection Bureau (CFPB). ASIC inquiry could face delays:  18 Sept 2013 - by Kate Kachor: A parliamentary inquiry into ASIC’s performance as a corporate regulator could face lengthy delays due to the change in govt, a National Party senator said yesterday. The transition to the new parliament was likely to delay the inquiry’s public hearings due to a reshuffling of committee members, Nationals Senator John Williams...
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  • doyla66
    doyla66 says #
    I hope all of the members are going to submit their submissions. There should be at least 500 by the end of the allocated time. De
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  Tuesday 17 September 2013 ASIC has imposed an additional licence condition on Moneywise Securities Pty Ltd (Moneywise) after a surveillance identified concerns about advice provided to clients regarding margin lending and the establishment of a self-managed superannuation fund (SMSF). ASIC’s surveillance found concerns relating to: advice that did not adequately consider the specific needs of the client but recommended the client establish a margin loan or SMSF compliance with the disclosure requirements when the advice provided to clients included the replacement of one financial product with another. The concerns related to inadequate cost and feature comparisons between the clients’ existing superannuation and the recommended SMSF, and the management of conflicts of interest where the advice provided to clients resulted in transactions with a related entity of Moneywise. ASIC Senior Executive Leader Louise Macaulay said, ‘When providing advice on more complex financial products such as margin loans or SMSFs, the advice...
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  • doyla66
    doyla66 says #
    Good one, Stoney What gets to me is the way ASIC only does half the job - that's if complainants are lucky! Does it ever occur t
  • doyla66
    doyla66 says #
    This sounds like another Money Choice/ Matt George fiasco didnt ASIC take them to the cleaners really took the big stick to Matt G
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Posted by on in Dumb ASIC
Dear members This morning I stumbled upon an article by ASIC that has upset brokers and financial planners, its This email address is being protected from spambots. You need JavaScript enabled to view it. , then hit latest issue and then go to the bottom right hand side to "Most Commented and then you will see ASIC article. The magazine is an industry read for planners and brokers. The article is titled ASIC report questions advisor integrity, well its created a volatile reaction from said people. It seems that from the other side of the coin that the brokers and planners hold as much contempt and dissatisfaction at ASIC as we do as there is two pages of comments in response to the article. The irony is you can leave a comment but have to supply your name and email address although not published and it looks like an outsider from the financial industry by the name of " no surprise" also left a few...
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  • doyla66
    doyla66 says #
    You are both absolutely right there should and probably would be millions of complaints if the Senate Committee website was workin
  • doyla66
    doyla66 says #
    Thankyou, Jonny I was thinking the same thing about the quiet ... New government sworn in today, may make a difference to the med
  • doyla66
    doyla66 says #
    Good post and observations, Neil. Thankyou. "The client" is "the problem". Their PR people should get onto this unfortunate way o
  • doyla66
    doyla66 says #
    Also read ASIC vows to cut red tape article, some of the broker comments to article help enlighten us into how the other side thin
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