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BFCSA
MORTGAGE
DISTRESS SOS

What BFCSA Does...

BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.

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Denise Brailey

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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Denise

Denise

Denise Brailey has dedicated the past 20 years of her life to being a Consumer Advocate - a voice for the people and former President of RECA (Real Estate Consumer Association. She has helped thousands of investors and is currently President of the BFCSA (Banking & Finance Consumers Support Association). Denise was also awarded and presented with the Rona Oakley Award for Consumer Protection in 2010.
Planners pocket commissions, even as advice falls short The Australian 12:00am December 11, 2017 Ben Butler, Michael Roddan   The Financial Ombudsman Service has ruled in favour of a financial adviser who secretly pocketed a $25,800 property investment commission despite finding he engaged in misleading conduct. In an extraordinary ruling last month, ombudsman Sarah-Jane Christensen said adviser Grahame Davis, who works for dealer group Beacon Financial, was not required to pay a cent to his client, Perth man Craig Dickson. The ruling throws light on the dangers of direct property investment, where unlicensed spruikers are able to charge big commissions because of a carve-out in the Corporations Act. In Mr Dickson’s case, he was covered by the act, and able to go to FOS — which is set to be abolished — because he invested through his self-managed super fund. However, Ms Christensen, a former senior ANZ lawyer, found that Mr...
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Destroying Sam Dastyari’s political career has been needlessly nasty The Australian 12:00am December 15, 2017 Graham Richardson   The unravelling of Sam Dastyari has been an excruciating experience for his many friends. Over two weeks, his life has been picked apart. He has been accused by Peter Dutton of being an agent of influence and by Scott Morrison of being caught cheating on Australia. These are the typically nasty attempts of a government that has had little to cheer about during the past 18 months. The gloves came off and Dastyari was politically assassinated by a gleeful group of government ministers and a couple of left frontbenchers who should have known better. It is worth noting that the leader of the left, Anthony Albanese, stuck with Dastyari to the end. He was concerned about the principle of forcing out of ­office a senator who had not been charged with a crime....
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Interest-only loans growing threat to banks The Australian 12:00am December 15, 2017 Michael Roddan   The threat posed by riskier interest-only loans to the stability of the financial system is growing, analysts say, as consumer spending and economic growth is squeezed by low wages and regulatory clampdowns on lending. Rather than an outright bursting of the housing bubble, Morgan Stanley analyst Richard Wiles said interest-only loans were the “weak spot” in the $1.7 trillion housing market. Borrowers with interest-only loans, which don’t require any payment of the loan’s principal for about five years, save less of their income than households with regular mortgages, and they were “more likely to sell their property if rates rise”, he said. The prudential regulator has told banks to restrict interest-only lending to 30 per cent of new business, down from about 45 per cent, as borrowers of these loans are inherently riskier. Banks have responded...
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CBA used by 'money mules', convicted terrorist: AUSTRAC Australian Financial Review Dec 14 2017 6:08 PM James Eyers   Commonwealth Bank of Australia accounts were used by a convicted terrorist who tried on several occasions this year to move funds out of Australia to Beirut, Lebanon, the transaction regulator has alleged in its expanded case against the nation's largest bank. AUSTRAC alleges that the bank was too slow to inform it of the suspicious activity and close down the account, and also claims CBA accounts were used by several "money mules" who attempted to launder money out of Australia for organised crime groups dealing in drugs and firearms. The regulator's amended statement of claim makes a further 100 allegations of contraventions against CBA, as flagged in Thursday's The Australian Financial Review. Each additional breach carries a potential penalty of $21 million. The original statement of claim of 583 pages has blown...
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Westpac to compensate mortgage holders going back 25 years Sydney Morning Herald Dec. 14 2017 - 5:22pm John Collett   Westpac will repay $11 million to 9400 mortgage holders due to a systems error affecting some loans going back 25 years. The bank failed to switch the owner-occupiers, who had interest-only home loans, to principal and interest mortgages at the end of their interest-only period. The error meant customers did not start paying down the principal on their loans at the time agreed with the bank and, as a consequence, paid more in interest and had less time to pay off the principal. It affected some interest-only home loans held by owner-occupiers with Westpac going back to 1993 - though it mostly affects those whose interest-only period expired between 2009 and 2016. St George, Bank of Melbourne, BankSA and RAMS customers are not affected. Westpac has agreed to refund the additional...
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Cattle farmer claims Suncorp banker made off with his overdraft michaelwest.com.auDec 13, 2017 Michael West  Please send a Christmas donation to Michael West to keep his talented investigations going. Claims of forgery, claims of theft, a cover-up, deals done “off-the-books”, police kept in the dark … no it’s not a story about the Sicilian mafia, it’s a story about the Australian banks. As the Royal Commission looms, the banks are endeavouring to bury their disputes. Some disputes however, have gone too far. After three years of despair, three years battling Queensland banking juggernaut Suncorp, its receivers BDO and its lawyers Gadens, Jim Davidson will make an eleventh-hour bid to save his cattle property tomorrow  in the Supreme Court of Queensland. Davidson is but one of thousands of Australians in a dispute with their bank. Yet his case is peculiar in the sense that he claims his Suncorp bank manager simply made...
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Sub-prime loans are irresponsible: PM AUGUST 17 2007 http://www.smh.com.au/national/subprime-loans-are-irresponsible-pm-20070817-ttc.html Prime Minister John Howard has labelled as irresponsible so-called sub-prime mortgages, which have sparked falls on world share markets. But Mr Howard said unlike in the United States, such loans only made up about one per cent of total borrowings in Australia and the issue was not a concern to the great majority of Australian home owners and borrowers. "They're really loans given to people without the lender requiring any proof of the capacity of the borrower to meet the obligations under the loan arrangement," Mr Howard told ABC radio. "They are very irresponsible loans.  "They are quite bizarre arrangements, according to our lending practises.  "It's not surprising they have caused this difficulty." Mr Howard said the fundamentals of the Australian economy remained sound. "But when you have a stock market shake-out such as this we can't avoid some impact," he said. "That impact...
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APRA aims for transparency on superannuation funds spending The Australian 12:00am December 14, 2017 Michael Roddan   The prudential regulator will publish data revealing how superannuation funds spend member savings on controversial advertising and investments, and how fee revenue charged to members is translated into profit and dividends paid back to large wealth managers and banks. The Australian Prudential Regulation Authority yesterday unveiled a consultation package for new rules designed to bring more transparency to how funds spend money, and to increase pressure on underperforming trustees that lack proper business strategies. The prudential standards have been in the pipeline since August, but were held over due to the passage of the federal government’s super reforms, which had to be withdrawn from parliament last week after the legislation failed to gain the support of crossbenchers. While there was some crossover between Financial Services Minister Kelly O’Dwyer’s legislation and the new prudential standard,...
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ASIC backs RBA's warning on bitcoin's 'speculative mania' Australian Financial Review Dec 13 2017 8:00 PM James Eyers, Vesna Poljak   The corporate regulator has backed Reserve Bank governor Philip Lowe's warning that the fascination with bitcoin was a "speculative mania". The Australian Securities and Investments Commission urged investors not to get "swept up" by hype as the price of the cryptocurrency surged and cautioned against buying something they didn't understand. Bitcoin was trading at around $US16,500 on Wednesday - up from $US1000 at the start of the year and has doubled over the past month, driven by a speculative frenzy on a global scale. Dr Lowe said it was unlikely bitcoin would ever become a mainstream method for making payments although it would remain attractive to criminals. "When thought of purely as a payment instrument, it seems more likely to be attractive to those who want to make transactions in...
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AUSTRAC to allege additional breaches by CBA Australian Financial Review Dec 13 2017 7:34 PM   James Eyers, James Frost   AUSTRAC will up the ante in its case against the Commonwealth Bank of Australia, with the transactions regulator expecting to file fresh allegations on Thursday that it breached the law 100 additional times while facilitating banking by criminal syndicates involved in money laundering and terrorist financing. Commonwealth Bank filed its defence to AUSTRAC's original allegations on Wednesday, admitting it was late filing 53,506 threshold transaction reports "which all resulted from the same systems related error". It also admitted it "did not adequately adhere to risk assessment requirements for intelligent deposit machines" although it disputes the number of contraventions. CBA admits that it did not undertake a separate money laundering and terrorism financing risk assessment on its intelligent deposit machines prior to their roll-out in May 2012. Assessment of the risks...
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I cannot believe derivatives are still unregulated when they played such a big part in the 1987 stockmarket crash! "Responsibilities for these fall on the Banks' Boards."   The risk that won't go away ...Like alligators in a swamp, derivatives lurk in the global economy. Even the CEOs of companies that use them, don't understand them. By Carol J. Loomis (Fortune magazine) -- This story originally ran on March 7, 1994   ... They are ''off balance-sheet'' instruments whose mere existence, leaving aside their complexities, obscures what's going on at the store.  ....... ....Concocted in unstoppable variation by rocket scientists who rattle on about delta, gamma, rho, theta, and vega, they make total hash out of existing accounting rules and even laws. ........Tellingly, the laws of many countries have considered some derivative contracts to be gambling bets,..... ..........regulators have circled derivatives uneasily, not sure of what to do about them, except to worry. .......In...
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No holds barred here........   The Clayton’s Banking Royal Commission Evan Jones 9 December 2017 https://independentaustralia.net/politics/politics-display/the-claytons-banking-royal-commission,11011 When it comes to Turnbull's reluctant Banking Royal Commission, the fix is in, writes banking corruption investigator Dr Evan Jones. You couldn’t make it up. It’s the Royal Commission follies. And this is just early days. Those fronting for the banks, the Liberal Party front bench to the fore, have been denying the necessity for a banking Royal Commission for yonks. Overnight, the Big Four decide to OK a Royal Commission, so we are going to have a Royal Commission. On the banks’ terms. Brilliant! The much desired Royal Commission is decapitated from the start. Check out Turnbull’s draft Terms of Reference. The first paragraph is a giveaway: 'Australian has one of the strongest and most stable banking, superannuation and financial services industries in the world, performing a critical role in underpinning the Australian economy....
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Regulators ask lenders to reveal how lending crackdown has impacted new business Australian Financial Review Dec 10 2017 7:40 PM Duncan Hughes   Lenders are being quizzed by the nation's financial regulators about the impact of recent rule changes on their credit policies, lending volumes, marketing strategies, distribution and communication with mortgage brokers and clients. In addition to seeking internal information about credit changes regulators are also requesting external communications with lenders and mortgage brokers through emails, websites, call centre scripts and press releases. It comes as another big four bank, National Australia Bank, prepares to tighten its credit policies by updating borrowers' living expenses used in assessing customers' serviceability. APRA and ASIC are taking the deep dive into lenders' data following the so-called "macro-prudential" changes intended to slow borrowing, particularly by investors, and ease pressure on property prices. The regulators have sent detailed questions to lenders seeking responses to how...
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Australia’s dodgiest CEOs whine about “trust deficit” CBA IS THE WORST BANK in terms of understanding trust and confidence of consumers.  Just ask any of the CBA Mortgage Victims.  They are the largest bank and have from the evidence, the smelliest mortgage fraud loans in Australia.  Narev on the evidence of “dumb responses”, has been the worst CEO ever!!  Ho Ho Ho Ian, Consumers are gearing up for the New Year.  You could run away long before July?  The CBA Board better not recommend the RBS boss as the successor!     By Houses and Holes in Australian Economy at 10:20 am on December 8, 2017 | 2 comments https://www.macrobusiness.com.au/2017/12/australias-dodgiest-ceos-whine-trust-deficit/ Shameless, out-of-touch and delusional: “Many Australians believe neither government nor big business are listening to them,” Origin Energy chief executive Frank Calabria told the annual survey of 52 top chief executives compiled by The Australian Financial Review’s Chanticleer columnists. …Outgoing Commonwealth Bank...
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APRA must reach for the lash By Deep T. in Miscellaneous at 10:42 am on August 3, 2011 | 29 comments https://www.macrobusiness.com.au/2011/08/apra-must-reach-for-the-lash/   This morning the Unconventional Economist posted an excellent article which points out that both credit rating agencies and our ADI regulator, APRA, are concerned about Australian banks’ lending practices for residential mortgages. In short, in the banks’ drive for both mortgage market share and to keep the credit machine churning there is concern that banks are or may be taking on too much risk.   For this commentator, the actions of APRA and even the credit rating agencies are extraordinary. Never, in the history of the Australian financial system since deregulation has the public and private regulators warned the industry as a whole about lending standards on a single asset class ie residential mortgages.But what I find equally extraordinary about these public stick raising exercises, is that nothing...
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IMF found our Banks non compliant with prevention of the use of banks by criminal elements in 2005/6!!!! Attached letter is important re securitisation dated 12 July 2004.........must be to do with that suppressed report Stephen Long has a copy of!    In 2005/2006, the IMF conducted an assessment of Australia under its Financial Sector Assessment Program (FSAP). A key part of the FSAP was an evaluation of APRA’s policies and practices for the prudential supervision of banks against the Basel Core Principles for Effective Banking Supervision. 1 The IMF’s detailed assessment of Australia’s compliance with the Basel Core Principles is being published separately.  A separate paper was prepared by Treasury, in consultation with APRA and other Commonwealth agencies, addressing Australia’s adherence to these preconditions. This paper will be published separately by Treasury.  The material provided to the IMF was preparedas at September 2005. Since then, APRA’s supervisory procedures have evolved in...
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Regulators had no idea of what banks were up to before 2007   Mortgage defaults soar by 329pc By George Lekakis, HeraldSun August 7, 2007 12:00am   https://www.dailytelegraph.com.au/archive/news/mortgage-defaults-soar-by-329pc/news-story/073285304f6abb57e713f01dcc0f5c53    AUSTRALIA'S insurance regulator has drawn attention to a spike in the number of stressed homebuyers, confirming that claims for mortgage defaults soared by 329 per cent in the year to December.   Home lenders lodged claims for $210 million worth of bad loans in the 12 months to December compared with only $49 million in 2005, according to the Australian Prudential Regulation Authority. The official statistics show the rise in claims for lenders' mortgage insurance outstripped growth rates of all other classes of general insurance. News of the claims blowout came as the subprime mortgage crisis in the US continued to spook Australian investors, who yesterday dumped rate-sensitive stocks such as Babcock & Brown and Macquarie Bank. The market-wide rout resulted in another...
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RUDD inherited JOHN HOWARD's Banking Scandals.  APRA knew its prudential standards were GARBAGE   In a 25 November interview with Peter Hartcher of the Sydney Morning Herald, Rudd revealed for the first time the truth that the US government bailed out the Australian financial system in 2008. Rudd effectively begged George W. Bush to bail out US insurance giant AIG, because it was the reinsurer for about a third of Australian insurance policies. “If AIG had fallen over, the systemic shock to corporate Australia would have been devastating”, Rudd said. “I said to George W. Bush, ‘This is an alliance matter. It goes to the fundamentals of what our economy needs to survive. [Emphasis added.] I really need you to prevent AIG from going under.’ I’m sure I wasn’t the only voice on the matter, and God knows how significant the impact would have been for Asia and Europe too. But...
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Banks must have treated APRA with disdain..couldn’t have more clear instructions...... http://www.bfcsa.com.au/index.php/entry/bfcsa-apra-set-the-rules-and-regs-of-banking-then-ignored-the-systemic-activities    Sept 2004 From the same document http://www.apra.gov.au/Policy/Documents/RIS-APS-112-Sep-04.pdf Page 2 Both Low Doc loans and broker-originated loans can lead to problems associated with asymmetric information, where one side of the market (potential borrowers) knows something that the other side (ADIs) does not. Asymmetric information often leads to opportunistic or exploitative behaviour by the informed party and market failure. In order to avoid these problems, APRA expects ADIs themselves to be responsible for deciding the criteria to be used in making the decision to lend in all circumstances, and should not rely on broker valuations or income checking when providing a home loan. Furthermore, any use of a third party in the lending process should not adversely impact upon compliance with the ADI’s lending criteria. APRA is of the view that any use of a third party in the credit...
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Farmers in tears after banks take land Lisa Martin 6 Dec 2017, 4:40 p.m. http://www.queenslandcountrylife.com.au/story/5105433/farmers-in-tears-after-banks-take-land/    At the mercy of the elements Lindsay Dingle thought the life of a farmer was hard enough. Then there was a knock on the door that has brought him 40 months of turmoil. Mr Dingle had a cattle, cropping and fodder property outside of Bundaberg in Queensland for 13 years. In 2011 and 2013 the property was hit with floods, and then a big dry. He owed the bank $600,000 and receivers rocked up without warning. "They come in the door nine o'clock one morning and say you've got two minutes to get your medication and get off," Mr Dingle told AAP on Wednesday. "The people in the system, they almost get off on it... they're just ruthless." Mr Dingle's voice trembles as he describes how he was made to feel like a criminal during...
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NAB to remediate 2,300 home loan customers HomeNews   http://www.brokernews.com.au/news/breaking-news/nab-to-remediate-2300-home-loan-customers-243732.aspx   by AB16 Nov 2017   NAB has commenced a remediation program for some of its customers, after a review identified their home loan may not have been established in accordance with NAB’s policies. It follows the completion of an extensive review by NAB which identified around 2,300 home loans since 2013 that may have been submitted without accurate customer information and/or documentation, or correct information in relation to NAB’s Introducer Program. NAB first became aware of the matter in October 2015, and advised ASIC in December 2015 after an initial high-level review. Since then, NAB has provided regular updates to ASIC on the progress of its investigation. “What occurred was unacceptable. We have investigated this matter thoroughly, and, as we have always said, whenever we find issues we will investigate them, fix them, and hold people to account – and...
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Former Liberal leader claims bank influence on government is 'blatantly obvious' BFCSA was the first to expose former HC Judge Kenneth Hayne as an inappropriate mate of former PM John Howard and former CEO Goldman Sachs Malcolm Turnbull Esq......the two persons who conspired to encourage all banks to lower their lending standards. How evil is this Royal Commission?  BFCSA is the peak Consumer Group handling the issue of Mortgage Fraud and we were not consulted regarding  the TOR.    A former state Liberal leader has accused the Turnbull government of political motivations by allowing the banks to drag industry superannuation funds into the impending financial services royal commission. As the government moved swiftly to get the royal commission moving on Friday, announcing the appointment of former High Court judge Kenneth Hayne as chief commissioner, former NSW Liberal leader Peter Collins claimed the government's political partisanship and "shabby" commercial motives by banks...
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Well hello Sunshine...it’s ditto in Australia......no point in having regulators if they live in fear of the banks they are supposed to regulate!  And the RBS head honcho is rumoured to return as head the CBA?  That’s as bad as Turnbull lining up his ex CBA mate for Medcraft’s job ..... Watchdog ‘forced’ to keep RBS scandal report secret over fears bank would sue James Huntley, Enterprise Editor 5 December 2017 12.01 am https://www.thetimes.co.uk/article/fca-grb-watchdog-forced-to-keep-rbs-scandal-report-secret-over-fears-bank-would-sue-fndjzk9ct   RBS was found to have “systematically” mistreated businesses by an FCA review commissioned in 2014ANDY RAIN/EPA The Financial Conduct Authority decided not to publish a highly critical investigation into Royal Bank of Scotland’s systematic mishandling of thousands of small and medium-sized companies because it feared being sued for “unfair treatment” by the bank. Despite acknowledging the public interest in issuing its full investigation into the bank’s Global Restructuring Group, the FCA concluded that to do so...
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Institute of Liberal Party policy? What the IPA will get from Abbott https://www.crikey.com.au/2013/09/06/institute-of-liberal-party-policy-what-the-ipa-will-get-from-abbott/ The influence Institute of Public Affairs released a list of policy demands last year. Crikey forensically works through them to see which ones Tony Abbott has adopted. Tony Abbott likes to think of the shadowy Institute of Public Affairs as divine inspiration, rhapsodising in a speech to its mogul-stacked 70th anniversary dinner in Melbourne this year that its diktats are created in God’s image. But just how many of the think tank’s radical ideas will he adopt when, as expected, the Liberals form government on Sunday? In a Sunday Age piece a few weeks back, John Howard belled the cat: the IPA is a Trojan Horse for scorched earth neoliberals trying to “condition the public attitude on these [policy] matters”, in other words, manufacture consent. Luckily, the policy menu has already been written. Last August, in a brazen display of chutzpah, the IPA released...
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Australian Banks started closing branches in 2000 forcing customers to do on-line banking.......now banks have the audacity to blame customers for being forced to use on-line banking?   Ross McEwan was expected to take over as CEO from Ralph Norris......now he’s on the short list to take over from Narev. Well Rosco, when Timbercorp defrauded investors, CBA were inextricably involved with Timbercorp, same with STORM victims....same as 100 other big collapses.  Better change your lousy attitude - same as Australian CBA victims are fed up with Narev, and you will be public enemy # 1. RBS boss tipped for shortlist to run Australia’s largest bank Ross McEwan likely to be among candidates for new chief at Commonwealth Bank of Australia https://www.ft.com/content/6c32ad56-924b-11e7-a9e6-11d2f0ebb7f0   Abandoned by the bank YOU saved: Boss of bailed-out RBS says customers are to blame if they're tricked into sending money to criminals Ross McEwan said it's not banks' responsibilities when...
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