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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 Hi members, Just like to say how disappointed I am that I can't be in Sydney this week to see Mr. Greg Medcraft squirm in his chair as he tries to remember the lies and corruption  he has to cover up when answering the Senates questions. As this is all going on I am in the last week of trying to save myself from being evicted and losing my home.To get your loan frozen even when someone has been charged with some of the fraud on my loan is costly and almost impossible to achieve.  I will know by next week. The real culprits in this fraud have so far escaped prosecution and have passed the buck down the line. I can only hope and pray that the Senators listen to Denise as facts and figures don`t lie and they freeze all these TOXIC loans so we can at least have them all...
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  • doyla66
    doyla66 says #
    Thanks to all of you who made it to the enquiry to support the amazing Denise..and thanks for updates which are sometimes so painf
  • doyla66
    doyla66 says #
    Yes Gfs i would expect there will probably be a round table discussion following these 3 days proceedings so that everybody is wel
  • doyla66
    doyla66 says #
    Any idea when the transcripts will be available? I did tape it but dads want to listen to it again at his place in peace and quiet
  • doyla66
    doyla66 says #
    Ali......surely senator Williams will share with the other senators These are very intelligent men....... Surely We need some sor
  • doyla66
    doyla66 says #
    I think Sen Williams knows much more than the others as he has been in constant contact with Denise for quite some time and i have
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Posted by on in SENATE INQUIRIES
Dear members Nine BFCSA members plus our leader Denise attended the Senate hearings into ASIC today. Less than ten feet in font of me sat Medcraft, Kell, Tanzer, Day, Price and three other commissioners behind them sat two rows of helpers who would pass forward notes in response to the Senators questions. Greg Medcraft opened with a pre prepared speech. Senator Williams questioned  them strongly and put Chairman Medcraft in his place a couple of times. All the Senators didn't hold back and when Chairman Greg was answering a question seven little bobble heads nodded in unison, it looked quite funny.Senator Williams grilled Medcraft over his overseas trips with IOSCO. If you check out the Business on ABC24 tonight you can check some of it out. Thanks Neil T....
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  • doyla66
    doyla66 says #
    Neil Thanks, Field from FOS will have answer why FOS are breaking ASIC rules
  • doyla66
    doyla66 says #
    Many of the witnesses had a problem getting to the point without a whole lot of waffle and beating around the bush and were only i
  • doyla66
    doyla66 says #
    Tom, not the banks directly, he stated catagorrickly any one who breaks ASIC's rules no matter how big will be dealt with. He stat
  • doyla66
    doyla66 says #
    Neil, Sounds like a remake of Snow White and the seven Dwarfs----did they get onto anything about ASIC not acting against the bank
  • doyla66
    doyla66 says #
    I"m not sure when it will go online but myself, Greg Medcraft and Senator Williams were interviewed by the ABC, I tried to explain
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Dear Members It amazes me that as we fast approach the Senate hearings every day brings more bad publicity for ASIC. As a bipartisan exercise regardless of political allegiances, it can't bode well for them. At present the PM and Treasurer are getting no, or very little return on their money by ASIC's performance. I don't know whether anyone will actually take the time to work out how much money has been lost by the big collapses like Storm or Trio, plus all the others. The financial and human cost to individual investors and victims of loan fraud is incalculable and all this because some overpaid individuals got complacent and thought they knew best. They were given the tools and rules to carry out their mandate but instead of carrying out the job they were heavily funded for, they got lazy. What started as a trickle of FOB OFF letters has...
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Tagged in: ABN for a day SCAMS
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  • doyla66
    doyla66 says #
    Ah huh! Another secret revealed - now Bankers Anonymous ........... Writing in the New York Times, Sam Polk claims the reason b
  • doyla66
    doyla66 says #
    Pass the smelling salts - courtesy of BBC news! He must have gotten some insider information on Denise and her capabilities! Bar
  • doyla66
    doyla66 says #
    I don't know whether they will broadcast it but the A-PAC channel 648 on SKY normally broadcasts government hearings and committee
  • doyla66
    doyla66 says #
    Thanks Neil for this info. Will definately check on it.
  • doyla66
    doyla66 says #
    Gfs and Duped, yes i think i read somewhere that it's audio only unfortunately. Oh well i suppose it's better than nothing. We are
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  Incomprehensible, inept and just wrong TERRY MCCRANN HERALD SUN FEBRUARY 12, 2014 12:00AM WHAT Peter Mason, the soon-to-be ex-chairman of David Jones, did was utterly incomprehensible. It was also very badly wrong.  What the ‘invisible man,’ Greg Medcraft, still the chairman of ASIC, did NOT do, was merely embarrassingly inept. It was also plain wrong.  Late last year Mason, who’s been a respected and highly successful investment banker for over 40 years and an effective non-executive company director more recently, signed off as the company’s chairman, on two DJ directors buying shares in the company.  That in itself would be unremarkable; and we normally would never even hear about it. Except, that three days after the two directors, Steve Vamos and Leigh Clapham, went ahead and bought their shares, DJ released its first quarter sales numbers.  Sales bettered market expectations and the DJ share price leapt 6.6 per cent. If the...
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  • doyla66
    doyla66 says #
    Even when you have all documents to prove Fraud is committed that doesn't seem to help get justice, the victims want this so bad..
  • doyla66
    doyla66 says #
    I hope the senators get to read this column in the paper and understand how pathetic and lazy ASIC's performance really is.
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Dear members Its the ground swell of public discontent at ASIC's performance  that has now reached tsunami levels. Even on short notice of dates and venue BFCSA's presence will be felt. After ASIC head Greg Medcrafts appearance we are up against a majority of hard hitters who are predominately pro-ASIC from the ASIC Gene-Pool, you can form your own opinions because each witness has a submission number next to their title so you can refresh your memories. I have read all the submissions to the Senate hearings and all those who are pro-ASIC seem to be people who have something to gain either directly or indirectly as ASIC stands in its present form . Some of the witnesses gain monetary profit from ASIC's inaction and others are protecting their jobs and futures while others are trying to protect the supposition that they weren't performing their duty of care to the aggrieved...
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  • doyla66
    doyla66 says #
    Too right - their system - their crisis - their rules - their lies - time now for a good dose of their own medicine! Must be a lo
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LINKS TO SENATE INQUIRY SCHEDULES http://www.aph.gov.au/Parliamentary_Business/Committees/Senate/Economics/ASIC/Public_Hearings You can see what times every one is committed to appear as witnesses. I suggest you read the submissions involved and make notes that may be of interest to readers Chairman of ASIC will be appearing on  Weds 19th    9am - Noon Ombudsmen will be appearing on Thurs 20th:   10am Colin Neave, then 11.15AM to 12.15PM for FOS and COSL. I will be appearing Thursday 20th:   3.15PM - 4.15PM SMC at 66 Goulburn St, Sydney This email address is being protected from spambots. You need JavaScript enabled to view it....
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The biggest crime of all in this country is Australian Securities and Investment Commission's negligence in protecting consumers from predatory conduct in the Banking and Finance sector.  Bankers manufactured dirty mortgage loans and marketed these faulty products via the broker channel. ASIC KNEW the crooked bankers had set up the Brokers and Borrowers to take the blame when the sub prime lending scandal eventually emerged, from  the subterranean depths of evil.  ASIC were duplicitous in the scam.  They covered up every step of the way knowing older, low income Mums and Dads (ARIP's) were the target.  Those who were fortunate and worked hard to own their own home. You may say these people were the backbone of our nation - proud Australians.  Yet ASIC permitted the banks to be untouchable.  Treasury covered up as well, so they could both blame one another.  ASIC briefs Treasury once per month and we can...
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  • doyla66
    doyla66 says #
    ASIC have one hell of a lot to account for, urgent Royal Commission please Senators along with a good dose of Epsom Salts to flush
  • doyla66
    doyla66 says #
    THE BANKS MUST BE MADE ACCOUNTABLE FOR THIS MESS. THEY MUST EXTINGUISH EVERY TOXIC LOAN WITH THE BILLION DOLLAR PROFITS THEY MAKE.
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There have been some very greedy people in the banking and finance sector and ASIC had no appetite for assisting in the protection of consumers.  More profits were in store for Bankers if ASIC cared not to bother to look at the business model of fraudulent LAFs.  The worm has turned and members will be able to experience Parliament in action.  The Senators understand these issues.  Its the Lower House that has a few problems understanding whats good for this country.  This nation was built on common decency and hard work - that's 95% of us. We now need to all take a big interest on what our Parliament is capable of delivering - from the Senate.  No Party is in control of the Senate at this moment in time.  Here is the program for each day of witnesses.  You can stream in live AUDIO via Senate Media link..............listen to every...
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  • doyla66
    doyla66 says #
    I can't be there cause I have my young family. But I will listening live with my dad . ED: You will be there right beside me Gf
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  ASIC targets loan fraud, threatens jail time           13 February 2014 | Nick Bendel   ASIC has announced a crackdown on loan fraud and unethical financial advisers. Commissioner Greg Tanzer said the regulator had a “strong record on enforcement” and had achieved 340 “enforcement outcomes” for the six months to 31 December 2013. That number included criminal and civil actions as well as the banning or disqualifying of individuals and companies, he added. Mr Tanzer said ASIC had also achieved some “negotiated outcomes” that resulted in financial services firms implementing long-term cultural changes. “At the moment ASIC is focusing on stopping misleading advertising of products and services and market misconduct, including insider trading. We are also strong on the responsibility of gatekeepers – people like directors, financial advisers, auditors and liquidators,” he said. “Our future areas of focus include loan fraud, false accounting, and takeovers and shareholder disclosure,...
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  • Denise
    Denise says #
    Yes Greg Tanzer "negotiated outcomes that you preferred in our meeting in 2001" means lunch with the perpetrators. [email protected]
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Dear members First and foremost the Senate hearings into ASIC have been known about for some time , it just seems incomprehensible why it was left so late to book a venue or confirm dates. I realise the  election and its run up caused many issues so I don't know whether its bad timing, bad planning or a deliberate act to shield ASIC from the"mob" who gather to voice their protests at ASIC  performance. To give people less than a weeks notice of proceedings is very inconsiderate, Denise for example has to up stumps from country W.A. If Greg Medcraft is appearing how much notice did he get considering his busy schedule at IOSCO and ASIC? If there were any motives to dampen BFCSA attendance and numbers its failed because we will be represented and Denise will be our voice loud and proud. Short notice of the hearings might diminish the...
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  • doyla66
    doyla66 says #
    It seems quite ironic that the economy is just on the edge of collapse right at the time our Senators are on the very cusp of inve
  • doyla66
    doyla66 says #
    I've been wondering when the Senate hearing into ASIC was going to be. I joined a group of BFCSAers in Canberra in August of 2012
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Medcraft is attempting to orchestrate the loooooooongest list of excuses, as to why he has to lie to Parliament and say "no systemic issues in banking practices regarding obvious fraudulent loans and barrels of Maladministration in Lending.  In other words to say every mortgage loan application approved by Banker Mates was checked and verified as affordable loans to people who could afford to sustain repayments. You can see the build up in small stream media.  You can almost guess the exact words these luminaries will use on the witness stand prior to Greggie flying off on his usual IOSCOnian Adventures.   The problem is Mr Medcraft, you Sir will be leaving behind fractured banking industry riddled with bad practices, bad procedures and definitely toxic financial products, riddled with fraud.  You did not start the banking cartel here, but you were in on the ground floor in 1994.   You will attempt...
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  • doyla66
    doyla66 says #
    We hear daily lot about the scams and cheating on these issues. Therefore government should come in front and should make strict p
  • doyla66
    doyla66 says #
    You are so right Neil we are certainly seeing yet another limp wristed sook out to appease the masses instead of making the long r
  • doyla66
    doyla66 says #
    Members if you think the banksters have it good now wait until Joe Hockey relaxes all the rules which he stated he was going to do
  • doyla66
    doyla66 says #
    I am so interested to see how Greggy handles genuine pressure (the same sort of pressure we victims have had to cope with every da
  • doyla66
    doyla66 says #
    From the asic website......... Greg Medcraft was appointed ASIC Chairman on 13 May 2011 for a five-year term. Greg joined as ASI
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  An update from the Code team  (My comments in italics)     The Code Compliance and Monitoring team is a separate business unit of FOS. Our purpose is to assist the independent administration and monitoring of compliance with industry Codes of Practice in the financial services sector. We assist in monitoring the Code of Banking Practice, the Customer Owned Banking Code of Practice.  There are 694 financial services providers that subscribe to these four Codes. Code monitoring activities in the banking, customer owned banking  are overseen by Code Compliance Committees which comprise an independent Chair, a consumer representative and an industry representative. These committees operate independently of the respective industries and have powers and functions to identify and address non-compliance with Code obligations. FOS provides secretariat services to each of these committees. Code of Banking Practice The annual report for the Code Compliance Monitoring Committee (Banks) was published on...
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  • doyla66
    doyla66 says #
    We were never given a reason for the decline just told NO. The assessor was completely familiar with the business we were buying.
  • doyla66
    doyla66 says #
    I never knew about the DECLINE If I only I was told, I wouldn't be here today going through this shit of a time. BASTARDS KARMA I
  • doyla66
    doyla66 says #
    It's a disgrace. I guess it's in my favour that SILLY ANZ have sent me the DECLINE documents. May there be a showdown in my favour
  • doyla66
    doyla66 says #
    Forgot to put in this as well Gfs246. Nab could not locate the 2nd file the Broker LAF as well. So all up Nab could not locate
  • Denise
    Denise says #
    NAB should be first on the stand for Royal Commission (and in the dock) to explain why they refuse to hand over client files.
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In 2009, FOS did its best to remain impartial.  However, it is now doing everything in its power under its ASIC licence, to prevent any objection to the Ombudsman's outcome.  Up until a couple of months ago, the ASIC licensed External Dispute Resolution Service ("EDR") told consumers there were four processes to complaint handling: 1.  Directions Officer to allocate a Case Manager   2.  Case Manager to investigate and deliver a comprehensive RECOMMENDATION - allowing both bank and borrower the ability to object to any anomalies or wrong assumptions/claims by the opposing party.   3. If no resolution, the matter would then be forwarded to The Ombudsman for further DETERMINATION which bank must accept.    4.  Borrower can refuse to accept  (Particularly if unfair) and the matter be then referred to a PANEL OF REVIEW. Recently, FOS has started to do away with RECOMMENDATION and PANEL OF REVIEW.  Decisions are made...
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  • doyla66
    doyla66 says #
    it seems like that we have all been rail roaded in to accepting their final determination even though we are against it. we too
  • doyla66
    doyla66 says #
    P.S A) loan drawdown in August 2012 B) defaulted in December 2012 C) they give us a $30k loan (buffer loan) December 2012 D)our fi
  • doyla66
    doyla66 says #
    Let the fraud unfold at the end of the month when the hearings beging.....bring on the RC I can't help but think that all your wor
  • doyla66
    doyla66 says #
    FOS are making up operational guidelines which differ from the Regulation Guidelines under which they are obliged to follow in ord
  • Denise
    Denise says #
    Time to have all those people affected by FOS and COSL nonsense "forced agreements" to report the EDR's to the Australian Federal
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BREAKING: SMSF "one-stop shop" sees assets frozen, founder's passport seized Australian Broker News by Adam Smith | 06 Feb 2014   A collapsed SMSF one-stop shop has had its assets frozen and travel restraints placed upon its founders.The Federal Court in Adelaide has frozen all assets of the Charterhill group, a group of companies providing advice to clients on the establishment of SMFS, rollover of existing superannuation funds into an SMSF, sourcing and purchase ofinvestment properties, property management, insurance and taxation. The court also ordered founder George Nowak and his wife Betty Nowak to surrender their passports, and has restrained their travel outside Australia.The move came following an ASIC application, and an ASIC investigation into the collapse of the group is ongoing. Companies operated by the group have been placed under external control. The companies include:  Lending Solutions International Pty Ltd – liquidators appointed (Andrew Heard and Anthony Phillips of Heard Phillips) Nova Real Estate Pty...
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  • doyla66
    doyla66 says #
    If ASIC do their job properly this time rather than just use one as a scapegoat to pat themselves on the back they might even need
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14-018MR ASIC enforcement report – July to December 2013 Friday 31 January 2014  Even the Bank Sharks are laughing!  ASIC with 330 investigators have only found 20 of LOAN FRAUD cases!  Cover UP in Progress. ASIC today released its fifth six-monthly enforcement report, detailing outcomes achieved between 1 July 2013 to 31 December 2013. ASIC achieved 340 enforcement outcomes. This included criminal as well as civil and administrative (e.g. a banning or disqualification) actions, and negotiated outcomes, including enforceable undertakings (EU). There were 112 outcomes achieved in the market integrity, corporate governance and financial services areas, and 228 in the small business area. Current areas of focus for ASIC include cracking down on misleading advertising of products and services, market misconduct, including insider trading, and the responsibility of gatekeepers. ‘Future areas of focus include loan fraud, false accounting, and takeovers and shareholder disclosure, as well as the ongoing focus on advertising,’...
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  • doyla66
    doyla66 says #
    Sure tells you something doesn't? Figures don't lie (unless on Loan Application Forms of course) and there has to surely be a lot
  • doyla66
    doyla66 says #
    We could save you a lot of time and investigations ASIC. Stop attacking the Brokers and look to the source of the fraudulent loan
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Britain's financial watchdog fined State Street U.K. 22.9 million pounds ($38 million) for deliberately overcharging its clients, and said the custody bank acted with "complete disregard" for the interests of its customers. The fine is one of the largest dished out by the watchdog in recent years, and the latest where financial firms have been found to put profit before the interest of their customers. (Read more: Nailing 'The Wolf of Wall Street': Lessons for the UK) Chris Ratcliffe | Bloomberg via Getty Images Between June 2010 and September 2011, State Street U.K., a unit of the world's second-largest standalone custody bank State Street Corp, overcharged six clients a total of $20.2 million, the Financial Conduct Authority (FCA) said. Those clients included large investment management firms and pension funds holding the funds and savings of retail investors. Custody banks manage cash for companies and handle back-office processing of securities and banking...
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Dear members While trolling the Australian parliament website I came upon some text relating to contacting our pollies. There it is in black and white, we the voters and citizens of this great country have been provided with the link to contact everyone from the P.M. down to all the politicians and various departments, alas if only that was true. Nearly every member of BFCSA has tried to contact everyone from the P.M. down without much luck, I'm on my fourth P.M. now and thats not including P.M. Rudd  twice.  Some Ministers have replied albeit through staff and they just signed off on it. We even took the local M.P. route but he like most is stifled by the party machine and the underlings who run the show. We have to confront our politicians with the evidence and put them in a position where they commit to look into the matter...
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  • doyla66
    doyla66 says #
    Strange how politicians scream how un-Australian certain situations are when not in their favour or line of thinking, just how Ton
  • doyla66
    doyla66 says #
    I have just been browsing through the Government Department OAIC (Office of The Australian Information Commissioner) website to fi
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From: B.D   Sent: Saturday, January 25, 2014 To: This email address is being protected from spambots. You need JavaScript enabled to view it. Subject: FOS and ASIC    Good afternoon I am attaching my story. Kind regards BD #10557  " We were lured by a broker  into taking our two low doc loans with Adelaide and St George Bank  . In both cases we lodged complaints with FOS  FOS found Adelaide guilty of maladministration and declared  St George in the clear .   In both cases neither  Adelaide or St George followed their credit policy . Individual borrowers over the age of 60 years are not to be accepted unless approved by a senior credit officer having a specified level of delegated lending authority (“DLA”). We were in our seventies when loans were taken out and both unemployed with virtually no income.    Consumer credit code , National Consumer Credit Protection  Act  and the Code of Banking Practice were not observed .  One of us  had...
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  • doyla66
    doyla66 says #
    I too had dealings with the Bendigo and Adelaide Banks- grubs extraordinaire--- as for FOS it has become an employment refugee cam
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Dear members I have just read Denise's supplement to her Senate submission. First I would like to say a heart felt thanks from all of us for the long hours and effort that you and your helpers have dedicated trying to help a group of people who the majority of you have never met. There are reasons why things happen in life, some call it fate , others say karma but whatever the reason, here you are leading a band of just over eleven hundred souls taking on a failed system in the persuit of justice. What a perfect storm the banksters had, they had engineered the perfect product. These low doc, no doc and full doc loans could be manipulated to pay back high interest and no principle in most cases, they're a higher return than variable loans and when they start to implode like they're geared to they offer...
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  • doyla66
    doyla66 says #
    Organza, yes you're right, its ill gotten by any definition and is ours.
  • doyla66
    doyla66 says #
    Don't you mean "our loot" Neil? From all I have been finding out one can take their pick from 36 of them thus far identified!
  • doyla66
    doyla66 says #
    Organza,I wonder which OFF-SHORE banks the banksters stash their loot in, not Australian I bet.
  • doyla66
    doyla66 says #
    Yes Neil it is all about greed and there is and never has been any honour amongst thieves and torturers so I sure hope they all ha
  • doyla66
    doyla66 says #
    Oranza, its greed that gives them their strength but its greed that will be their archilles heel, remember there is no honour amon
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If ever the Senators start doubting the untruths and false impressionism dripping from the lips of PETER KELL, Deputy Chairman of Australian Securities and Investment Commission (aka "Australian Non Regulator's Club") then you may well be seething in rage as to why Kell seems to not understand how to use his computer.  Poor Pete is so computer illiterate he is unable to google....................Pete, we are really trying to help you.   Just try 95% LVR via google and you will see all the BIG BANK LOGOS...... Consider this Pete, why would a Broker advertise something he cannot sell.................a Mortgage with 95% LVR!!!  The Banks are the manufacturers and you seem to want to keep blaming the sellers....why? And all MORTGAGE EXPERTS ARE LICENSED BY ASIC!!!!  So who are the Banks backing Marty?  There are many Marty's out there...................all backed by your favorourite sub prime toxic loan specialists MAJOR AUSTRALIAN BANKS (85%...
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  • doyla66
    doyla66 says #
    Maybe he's too busy learning how to use an electric typewriter to preserve his own secrets rather than focusing on the job he shou
  • doyla66
    doyla66 says #
    So obvious that nothing has changed... Please ASIC acknowledge that there are systemic issues within the banking and finance secto
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