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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From My Window

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Subcategories from this category: Time to Relax, COURTS & LEGALS
There are 99 submissions posted where the hell are the other 600  ???????? Don't you want to expose ASIC and the corrupt lenders. Are you really happy with what has been done to you and your family? Happy with ASIC’s performance in taking on the Banks?  Are you kidding me? I don't want the corrupt lenders to get their grubby hands on my home! I've done my best by following what Denise has asked of us. I have written letters to every Tom, Dick and Corrupt Harry for all of us, so that we have a strong voice against corruption. I know a lot of us have. What about the others who haven't? The least you can do is write a simple letter of demand, AND YOU HAVE NINE DAYS TO GET GOING....................... Denise has been up all hours doing her best and you are not pulling your weight to help her. DON'T...
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  • doyla66
    doyla66 says #
    I think Ali might be right. The older people probably don't have much in the way of computer skills or don't realise the power of
  • doyla66
    doyla66 says #
    I agree Maria, where are all our 1200 members (apart from those who have submitted their letters).After years of struggling for th
  • doyla66
    doyla66 says #
    I honestly don't think that the people we are talking to read the blogs and most don't even go on face book or keep up with their
  • doyla66
    doyla66 says #
    Come on everyone. If you haven't written yet then do it today. Submit it in as confidential if you are worried about exposure or
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Sunday morning is what I call my time.  I have been doing the same routine for eons and just love Sunday mornings. I droob around in my old Teddy bear patterned dressing gown, hair standing on end, make a cup of coffee and the ever faithful toast with vegemite. ( I think I have an aura around me which warns off the kids and grandkids.) Everyone just leaves me to myself.  I collect the Sunday Sun and with my coffee and toast, make myself comfortable at the table. It is a ritual I just love.  This is my therapy for the week.  I take a sip of coffee and gaze at the front page, another sip and bite of toast and turn the page. I nearly choked on what I saw. Page 2 and 3 were completely taken up with NAB advertising. Can you believe it, I certainly could not.  After...
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  • doyla66
    doyla66 says #
    That is very funny NABbed Nanna. At least it looks like you still have your sense of humour. Just as well hey after what you have
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Posted by on in From My Window
Hi members, yesterday i received a phone call from FOS advising my cases are going to skip recommendation & going straight to determination with the ombudsman.  I thought finally after 12 months of sitting in a que things are moving forward.  But was thrown when the case manager proceeded to say that they will require further info & we have one last chance to get it right - have no idea what he meant by this as we have been honest & upfront from the beginning.  He also said that if we dont agree with the final determination we will then have to take it to the courts - obviously if we had those kind of funds we would have done that in the first place.  I actually felt quite intimidated by this call. Has anyone else received a similar call whose cases are older (around 12 months)?   And can...
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  • doyla66
    doyla66 says #
    Anyone know what's happening with COSL cases? Ours has been with them for 14 months and has just gone to "investigation " phase. A
  • doyla66
    doyla66 says #
    Two of my cases went to recommendation first and this was only a couple of months ago. It might be a waste of time though..Maladmi
  • doyla66
    doyla66 says #
    my gut feeling from your comments Maria, is that your cases have every chance providing you stay on top of the issues; read bank l
  • doyla66
    doyla66 says #
    We were told the same months ago. I recommend you make a complaint to complaints area, stating my rights to due process has been
  • doyla66
    doyla66 says #
    You are on the mark - Andy. It is ditto to what happened to us. Nab said complete file lost. FOS said Okey Dokey. FOS botched
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FOS announces independent review Wednesday, 04 September 2013 | Staff Reporterhttp://www.investordaily.com.au/34173-fos-announces-independent-reviewThe last independent review of the financial ombudsman took place in 2008, before the merger of FOS’s predecessor schemes under a single Terms of Reference. The current review is a result of the requirement contained in the Australian Securities and Investments Commission’s (ASIC’s) Regulatory Guide 139 that independent reviews take place every five years. Melbourne-based consultancy Cameronralph Navigator has been selected by the FOS board (in consultation with ASIC) to undertake the review. The review will assess the operations and procedures of FOS against RG 139 benchmarks of accessibility, independence, fairness, accountability, efficiency and effectiveness. An issues paper released by Cameronralph Navigator said a number of issues identified during the finalisation of the FOS Terms of Reference in 2009 would be considered, including the effectiveness of the $3,000 compensation cap for third party insurance. The review will also look into whether...
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  • doyla66
    doyla66 says #
    Just received this link. This video was produced to explain the debt situation to young people. *Language warning* https://www.yo
  • Denise
    Denise says #
    Lisa and others: YOU ARE THE STAKEHOLDERS. Start writing to give your opinion on the service [email protected]
  • Denise
    Denise says #
    Thanks ED: Yes Dictionary definitions are so important as they highlight the things which are clearly misguided. Fraud is an unli
  • doyla66
    doyla66 says #
    I've wondered the same thing, Ed. Maybe the whole smorgasbord of Ombudsman services need a review. I think they're become a standa
  • doyla66
    doyla66 says #
    Lisa: a question : Does increased volume = increase pressure to settle? A: of course, yes! Banks' serious-misconduct condoned by
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Dear members Since the collapse of our financial security due to a dodgy broker and an even dodgier LAF, I had always taken comfort in the fact we purchased a new car only three months before the collapse. Our location and my medical needs dictated we need a reliable car but between midnight and six Thursday morning persons unknown broke into our house while my wife and Islept one end and our daughter and granddaughter the other end of the house. These low lifes stole my wifes bag with car keys inside went for a joy ride and bogged the car in muddy ground, instead of leaving it they broke all the glass and jumped on the roof until it collapsed, its a write off. What I'm trying to say is a mans ( and womans) castle is safe no more. The police stated that as the electronics in cars are...
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  • doyla66
    doyla66 says #
    Why do we even bother to vote when our Government has proven time and time again that they are not interested in cleaning up crime
  • doyla66
    doyla66 says #
    I'm so sorry to hear that, Neil. I can imagine quite well how shaken up you and your family would be feeling. I hope you're gettin
  • doyla66
    doyla66 says #
    Maria, re: "Jailing them..they get let out,"(yes) but a felon's Melbourne Club Membership is revoked. This scum bank-burglar keeps
  • doyla66
    doyla66 says #
    This is awful Neil, so sorry for you and your family. Hope all goes well for you with the insurance!! and you are back on the road
  • doyla66
    doyla66 says #
    I'm so sorry to hear what happened to you and your family. A murder was who did his "time" and allowed out on parole, broke my dau
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Westpoint's Carey blame shift thrown out of court DateSeptember 21, 2013 Read later Jared Lynch Business reporter   Email Jared Norm Carey claimed he had been misled and deceived by his lawyer about raising finance totalling $160 million. Photo: Erin Jonasson Former Westpoint boss Norm Carey has lost his bid to blame the collapse of the property investment company on his lawyer, with a Federal Court judge slamming him as dishonest, evasive and ''inherently unreliable''. Mr Carey, who founded Westpoint in the mid 1980s, claimed he had been misled and deceived by his lawyer Andrew Shearwood, of Freehills, about raising finance totalling $160 million. In 2006, seven years after the alleged misconduct, the company collapsed owing investors more than $388 million. Federal Court judge Susan Kenny dismissed Mr Carey's claim, saying he was ''not an honest and reliable witness''. ''Mr Carey fabricated this evidence to support his case,'' she said. ''[He] was...
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On the 30th May we were escorted after 42 years from our small rural property and home by the Sheriff as I have blogged about before.  I believe the following which is a repeat, identifies Nab as Australia's dumbest bank.  Nab's Mortgagee agent met with the Sheriff after we had vacated. The Sheriff finalised the paperwork with the Mortgagee agent. The Sheriff discussed the boundaries of the property with the Mortgagee agent as we leased an adjoining property. The Sheriff has confirmed that the Mortgagee agent did not dispute nor make known to the Sheriff any discrepancies as to the boundaries of each property and the Sheriff believed the mortgagee agent was in agreeance with him. We returned to our Leased property in about 1 hour. We entered our leased land and found the Mortgagee agent and Real Estate agent rifling through our possessions contained on our Leased land. They both...
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Not True!  But it should be and here is why.  Coles and Woollies have been predatory in their behaviour in pushing down the prices paid to farmers and then boast "cheaper" products but The Bully Boys C&W profit continues to climb!  We sold off our utilities, we are selling off our farms and squeezing farmers out of a decent living, we have sold off all our viable income streams and permitted TELSTRA to gouge everyone.  We have ignored small business cries for understanding and we have ZERO INCOME STREAMS LEFT.  The "lucky for some country" is what we have become.  Can we all now wake up and smell the roses.  Politicians are not on your side.......................but they do run our country.  Its the majority of we the people that need to become more vocal and active in campaigning for better decisions to be made.  Both sides of the political divide have...
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  • doyla66
    doyla66 says #
    Stopping the big multi nationals is essential from taking over our country. Ejecting more Gov resources into encouraging and helpi
  • doyla66
    doyla66 says #
    EXACTLY. I hope Joe Hockey is reading this
  • doyla66
    doyla66 says #
    The Pollies can stop Coles and Woolies from squeezing the farmers dry. They have the power to allow the farmers to make a reasonab
  • doyla66
    doyla66 says #
    What is with this country, why do we keep selling out. Is it not time POLLIES for us to go back to the drawing board the last 2 el
  • doyla66
    doyla66 says #
    Joe, please establish a new consumer financial protection agency to focus directly on consumers; truly protect families from unfai
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A senate inquiry into Australia’s corporate regulator will question how well it does its job. Image sourced from www.shutterstock.com AUTHOR Michael Quilter Senior Lecturer, Department of Accounting and Corporate Governance at Macquarie University   The Conversation is funded by CSIRO, Melbourne, Monash, RMIT, UTS, UWA, Canberra, CDU, Curtin, Deakin, Flinders, Griffith, JCU, La Trobe, Massey, Murdoch, Newcastle, QUT, Swinburne, UniSA, USC, USQ, UTAS, UWS and VU. 4 July 2013, 2.12pm AEST On the face of it, the banning of seven financial planning advisers and $50 million worth of compensation paid to burnt investors would be considered a good outcome for our corporate regulator. But the handling of the case of Commonwealth Financial Planning Limited (CFP), a wholly-owned subsidiary of the Commonwealth Bank of Australia, has led to a senate committee inquiry into the ability of the Australian Securities and Investment Commission (ASIC) to deal with corporate wrongdoing. Pursuant to s 1(2)(b) of the ASIC Act...
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  • doyla66
    doyla66 says #
    Thanks, Change. An attempt to balance the widespread criticism of ASIC, Michael Quilter has presented some good amongst the gener
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Comment from Chris Hales: Please read this ad carefully. It was posted about 1 week ago in the Age Newspaper in Melbourne Australia. It is claiming that The AGE PRINTS THE TRUTH… Independent adj. 1/. Not governed by a foreign power; self-governing 2/. Free from the control of another or others; self reliant. You can contact them for corporate inquiries at: This email address is being protected from spambots. You need JavaScript enabled to view it. ...
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  • doyla66
    doyla66 says #
    Thanks, SupaDave. I'm still trying to work out how Fairfax can be free of corporate control, when they're a corporation, as far a
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Boom-time low-doc loan frenzy unravels
by: Anthony Klan      From: The Australian      June 13, 2012 12:00AM         Jill and John O'Donnell at their home at Freshwater, on Sydney's northern beaches Source: The Australian SUBPRIME-STYLE lending practices were rampant during the last property boom despite claims by lenders that local practices were superior to global standards. The Australian has exclusively obtained hundreds of internal emails between lenders and mortgage brokers that lift the lid on the extent of aggressive -- and in many cases predatory -- lending practices in the five years leading up to the global financial crisis. The emails, many of which are from some of the biggest lenders to chains of hundreds of mortgage brokers, show some spruiked imprudent lending practices to mortgage brokers, highlighting loopholes in their own lending requirements. The practices, which have embroiled the likes of Macquarie Bank, Westpac and GE Money, as well as mortgage brokers in every state, underpin what...
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  • doyla66
    doyla66 says #
    What did La Trobe use as their alternative to the Banking Code? How did they or ASIC justify their Credit Providers License? Do t
  • doyla66
    doyla66 says #
    Isn't that a cracker of a response. Gets COSL of the hook nicely. Seat warmers doing their jobs again. Just shows the lenders h
  • doyla66
    doyla66 says #
    "From: COSL CASE MANAGER Sent: Thursday, April 18, 2013 To: Change Subject: RE: Final Decision Change and La Trobe Dear Change
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Who owns corporate Australia? Extracts from article By Murray Hunter - posted Monday, 11 March 2013   If you go and ask the "average" Australian on a Melbourne or Sydney street who owns the banks and large public companies in Australia, most will answer "Australians through superannuation and mutual funds". This belief gives Australians a sense of pride in "Australian private enterprise", and may even assist Australians grudgingly accept high bank charges and interest rates; "after all we own the banks".   However if one examines the annual reports of most of the large Australian public companies, names like HSBC, JP Morgan, Citibank, and BNP are very prominent in the tops 20 shareholders lists. There has been a major shift in the Australian corporate ownership-scape over the last decade. And a silent one at that.   Let's go back to the 1980s when Bob Hawke was Prime Minister of Australia. The ex-ACTU head did more...
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  • doyla66
    doyla66 says #
    Good post - thanks Change. How good would it be to see a real Australian Bank owned by real Australians, Mums and Dads, and no se
  • doyla66
    doyla66 says #
    Notably: first-home buyers(FHB) sitting on sidelines verses buying into the risky market; commitments down 10.6% year-on-year; FIR
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ASIC and European Union authorities cooperate on alternative investment fundsFriday 19 July 2013ASIC has entered into 29 supervisory cooperation arrangements with European Union (EU) securities regulators, agreeing to help each other supervise fund managers operating across borders.The cooperation is crucial in allowing Australian fund managers to manage and market Alternative Investment Funds (AIFs) in the EU under the rules of the Alternative Investment Fund Managers Directive (AIFMD). An AIF includes hedge funds, private equity funds and real estate funds, among others.ASIC negotiated the arrangements with the European Securities and Markets Authority (ESMA) – on behalf of EU regulators – and were approved by ESMA’s Board of Supervisors on 22 May this year. ASIC signed the bilateral memorandums of understanding (MOUs) on 12 July 2013. The MOUs are applicable from 22 July 2013.ASIC Chairman Greg Medcraft said: ‘We are pleased to have these cooperation arrangements in place. They will allow Australian fund...
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  • doyla66
    doyla66 says #
    What !! I strongly suggest ASIC get their heads out of the clouds and their backsides on seats. They couldn't supervise Australia
  • doyla66
    doyla66 says #
    Agree, they have to be insane or really what we all believe - EU et al, are a CABAL - "A cabal is a group of people united in some
  • doyla66
    doyla66 says #
    EU run by Banksters as a way for more Banksters to make money. Let them pay the ASIC mob, let IOSCO pay Greggie, and get them all
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Gippsland mortgage fund frozen 14 min ago Industries Financial Services About $150 million in savings from Victorian investors is in doubt after a Gippsland-based mortgage fund was frozen on an increase in impairments of loans.  Gippsland Secured Investment managing director Glenn Sanford said in a letter to investors on its website that the fund had been voluntarily suspended and there would be material increase in GSI's provisions for impairment of loans. The Trust Company was "undertaking a review of certain loan assets and security properties and that the outcome of that review may impact on the value of GSI's total tangible assets". "The directors have concluded that the result of recognising the impairments is that GSI may have a deficiency in its net tangible assets and may not have equity equal to the shortfall," GSI said. On its website, GSI said it was "one of the largest finance companies of its...
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  • doyla66
    doyla66 says #
    oh no! here we go again. Where was ASIC??
  • doyla66
    doyla66 says #
    Exactly what I was going to say, Change ...
  • doyla66
    doyla66 says #
    ASIC' dirty-hands all over fraud-ridden mortgages; another ASIC-approved "PONZI-Scheme" found wanting, ASIC's kiss of death on Aus
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Dear Warren I note your recent correspondence with me regarding  material published on the BFCSA website.  I accept that the two posts referred to in your lawyers letter dated 12 July were untrue and defamatory.  I also accept that, as publisher I am responsible for those comments.  I sincerely apologise to you for the offence and hurt caused.  I have now removed the posts I undertake not to publish similar material in the future. This email will now be published as instructed. Ed:  Please note the offending article was written by one of the five persons banned from this site in December and January.  All of their blogs were deleted at that time.  By error, one in particular was missed.   Denise L Brailey   President of BFCSA (Inc) Banking and Finance Consumers Support Association (Inc) www.bfcsa.com.au This email address is being protected from spambots. You need JavaScript enabled to view it. Mob: 0401 642 344...
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  • doyla66
    doyla66 says #
    Quote from 2008 "Yes, we are a law enforcement agency, but it's ludicrous to think we should just wait for the wrong to occur and
  • doyla66
    doyla66 says #
    Exactly Change: BFCSA evidence must see the light of Day; real medicine v's placebo naughty-ban$ter-warnings(EU's); judgments/wron
  • doyla66
    doyla66 says #
    From the perspective of a naive "serial complainant", done only in an effort to get a reply and to assist ASIC in their investigat
  • doyla66
    doyla66 says #
    Lisa, if only ASIC heeded real warnings like freezing all BFCSA's evidenced infected-loans & be seen as Mr Freeze ala Batman, then
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The Nab surely do push the boundaries.  The Mortgagee Sign erected on the property we lease is still there.  Can you believe this absolute b......d act. The Real Estate agent of the Nab is obviously the culprit. She or her gang are trespassing with the intent to defraud the unsuspecting purchasers in to a false reality as to the size of the property. The Nab and the cronies paid to sell the property must be complete idiots. Obviously Nabs henchmen and women cannot read titles and mortgage documents.  Mind you these same illiterates are putting out there hand for a very sizeable payout on the sale of the Property.  Makes you wonder doesn't it.???? Maybe I will do, probably some two bit course and qualify as a mortgagee agent or real estate agent. No, maybe not I could not be so heartless and I'm damn sure I would check out the...
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  • doyla66
    doyla66 says #
    Have you complained to asic re bullying of you and family? Send copy of asic complaint letter to local media with a intro note.
  • doyla66
    doyla66 says #
    Good one, Change.
  • doyla66
    doyla66 says #
    Thanks for the info Lisa, Have checked all the details of lease etc. (Government dept.) Nab will not supply copy of title. Nab
  • doyla66
    doyla66 says #
    I got my title online and a copy of my plan from the State office that takes care of this. That office keeps changing it's name he
  • doyla66
    doyla66 says #
    Hi Nanna, have you checked your titles and the one next door? I had similar done to me by real estate and lenders, which caused al
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Sorry team, again, way to much information to post all, so, should you decide to read further into the good bits, follow the link below. It can be saved as a PDF for reading later or printing. In the mean time, below are a few highlights. What have I found I  strongly recommend reading, all victims will find interesting facts within?? Findings from previous Court Cases. THE HOLLY GRAIL!!!     My opinion: BANKS, FINANCE PROVIDERS, BE VERY WORRIED.   THE LINK: http://www.13wentworthselbornechambers.com.au/cle/mortgagedisputes.pdf   Below is a small passage from the good Book of Revelation “To engage in pure asset lending, namely to lend money without  regard to the ability of the borrower to repay by installments under the  contract, in the knowledge that adequate security is available in the  event of default, is to engage in a potentially fruitless enterprise, simply  because there is no risk of loss. At least where...
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  • doyla66
    doyla66 says #
    Burning questions of the day, The Court essentially dealt with the issue of broker fraud by saying that it was a risk that the len
  • doyla66
    doyla66 says #
    Court essentially dealt with broker fraud issue saying,"it was a risk that the lender took on by adopting its particular business
  • doyla66
    doyla66 says #
    MoRT
  • doyla66
    doyla66 says #
    Mort, hell hath no fury, like a home-owner scorned. The tables of justice are turning !!!
  • doyla66
    doyla66 says #
    We certainly need all the help we can get Mort.
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I am really amazed at the gall of the Nab. The b......s have now erected a MORTAGEE SALE sign on our leased property.  As I have said before Nab have taken possession of our home not our leased property.  How can they? Impossible. I'm sure the owner of the property would love to get stuck into the incompetent banksters. Can't wait until they lodge a complaint with FOS.  This will test FOS's metal.  The Nab had a survey completed on our home property. Of course Nab have not let us know the results.!!! Why would they? Doesn't matter that we lived in our beloved home for 42 years and knew the boundaries of the property and the Nab did not believe us Oh NO. Nab said "You provide evidence that the you lease the property in question."   Come on Nab get real " YOU PROVE THAT WE DON'T LEASE IT."...
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  • doyla66
    doyla66 says #
    BTW, NABbed Nanna, is the greatest value in your home or the land? Is it feasible to relocate your house to the leased land? Or r
  • doyla66
    doyla66 says #
    good idea Lisa-those guys come along overnight "jack it up" & Bob's your uncle, that is, if your aunty had #al%s. no survey pegs u
  • doyla66
    doyla66 says #
    That's right, Andy. It's easy to do. My partner did like moving house at his age. So he packed everything around the walls and on
  • doyla66
    doyla66 says #
    I meant, My partner didn't like moving house at his age. It had taken him 5 years to unpack and find everything last time!
  • doyla66
    doyla66 says #
    This may sound odd, but I think the NAB people are trying to provoke you deliberately - into a fight. This is only based on someo
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Recent Developments Regarding Forged Mortgages: The Interrelationship Between Indefeasibility and the Personal Covenant to Pay   Well fellow victims, I am in need of some help to read though the PDF in the below link.  You can save it to read at your leisure.  Due to Post Trauma Stress Disorder (PTSD) the brain just freezes, I call it CLOUDY BRAIN.   So, those with a clear brain put the kettle on and follow the link below. your findings and thoughts are welcome I am sure.   For me, the objective is to find clear facts/precedent in law to show any judge there are huge cracks in the banks power . http://epublications.bond.edu.au/cgi/viewcontent.cgi?article=1369&context=blr   Abstract In 2007 and 2008 there were a series of cases in New South Wales, and two cases in Queensland, dealing with the enforceability of registered mortgages where the mortgagor’s (purported) execution of the instrument had been forged. In none...
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  • Denise
    Denise says #
    10 years of research has gone into cracking the "codes of banking silence." The Final Chapter is yet to be delivered. This is a
  • doyla66
    doyla66 says #
    Thankyou, Denise. This certainly is higher learning. Best done here early morning Many looking forward to the Final Chapter, wit
  • doyla66
    doyla66 says #
    Good Stuff Mort, I had a forged documents, signatures were forged. The original mortgage documents in 1971 had many misrepresenta
  • doyla66
    doyla66 says #
    I agree, Mort. Working as a team is important. More hands on deck to defeat them. I can "scan" documents to get the sense of it,
  • doyla66
    doyla66 says #
    Wendee, Lisa, Definitely, chewing gum for the brain. Keep this in mind. The banks are few, but us victims are many from all wal
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Posted by on in From My Window
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IS THIS AN OMEN OF THINGS TO COME. Meaning of Omen  handwriting on the wall A portent or prophecy of disaster, a sign of impending and unavoidable doom, an indication or sense of what is to come; often the writing on the wall. The allusion is to the Book of Daniel in the Bible, in which a hand mysteriously appeared and wrote a message on Balshazzar’s palace wall foretelling his destruction and the loss of his kingdom.   A growing number of borrowers are struggling to keep up with their mortgage repayments despite deep cuts in interest rates, with Sydney’s south-west suffering the most from mortgage pressure. http://www.smh.com.au/business/borrowers-struggle-to-make-mortgage-payments-20130701-2p7gm.html   The Fairfield-Liverpool region of Sydney had the highest share of borrowers who were more than thirty days behind on their mortgage, after its delinquency rate rose from 1.82 per cent to 2.37 per cent. http://www.propertyobserver.com.au/residential/greater-western-sydney-replaces-gold-coast-as-most-delinquent-region-fitch/2013070262884   Now Australia's economy is winding down,(a delayed reaction...
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  • doyla66
    doyla66 says #
    Thanks all for your positive comments, Denise, Andy. good bits of information. Just have to give time for the Fight/flight mode to
  • doyla66
    doyla66 says #
    Mort i assume some improper "Legals" has occurred contravening FOS Terms of Reference --this happened to me . If so, demand FOS co
  • doyla66
    doyla66 says #
    In my instance, FOS are not enforcing their rules -- not to sue -- under 13.1 where an Applicant lodges a Dispute with FOS, the Fi
  • doyla66
    doyla66 says #
    I think most of us are in shock. I still find it hard to believe how the hell it all happened. Denise has been keeping us well inf
  • doyla66
    doyla66 says #
    Good New Mort. Keep Hanging on. Don't let the bankster/gangsters take you down. Watch FOS for their dirty little tricks.
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