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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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BFCSA: Australian Homelessness Crisis: Elderly bank victims and 16 year olds who have no home is criminal.

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Census 2016: Affordable housing shortage in rural Australia has homelessness at 'crisis point'

By regional affairs reporter Lucy Barbour

Posted about an hour ago


Homelessness in rural Australia has now reached crisis point, welfare groups say.

More than 100,000 people are homeless across the country, but agencies on the front line fear the number in regional areas is rising because of a chronic shortage of affordable housing.


It comes as the Australian Bureau of Statistics (ABS) prepares to analyse the country's latest housing and population data.

The last Census found that 60 per cent of Australians sleeping rough were outside the major cities, 40 per cent of couch surfers were in country towns and 55 per cent of people sleeping in severely overcrowded dwellings were also in rural locations.

Director of 2016 Census data, Sue Taylor, said the figures could be even higher this year because it could be difficult to count homeless populations, particularly in regional areas.


"[There are] probably more homeless people in the regional areas but for people, for example, who are sleeping out rough in national parks, we have to know they are there to be able to go and count them," she said.

Candice Morrell from Mission Australia at Cooma in southern NSW agreed.

"It's more around couch surfing, people staying in overcrowded dwellings, in unsafe accommodation because there are no other options. So homeless people in regional Australia can be less visible," she said.

Ms Morrell described the shortage of affordable housing in regional Australia as a "crisis" and said the situation was worse during the ski season, when low-cost accommodation booked out.

"It pushes the prices up which creates a real issue for people to be able to access affordable housing," she said.

Youth on the streets is 'criminal'

One man affected is Rob Gailey, who has been homeless ever since his uninsured house burnt down seven years ago.

He recently moved to Cooma, where he has been trying to find work at the nearby ski fields. He ended up sleeping in the cold, until Mission Australia found him temporary accommodation.

"It is lovely. There's even a television," he said.

This is the first time Mr Gailey — who lives on $250 per week — has been offered proper shelter since becoming homeless.

Mission Australia said one of the most vulnerable homeless groups in Australia was youth, but the nearest refuges to many regional towns could be hours drive away.

That upsets older homeless people, like Mr Gailey.


"For somebody like me, being homeless it's a shame. But for somebody who is 16 and cannot find a place to stay is criminal," he said.

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Guest Friday, 22 January 2021