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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: "I pray to God the pain will cease:" Royal Commission into Bankers URGENT

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The bank scams that have invaded Australia, are tearing families apart, destroying lives, by stroke or heart attacks around the nation, all because of a product that Bank Engineers like Medcraft & Mates.

A BFCSA Members tells of the pain and family suffering, better than I could ever describe:

"After stepping away from the blog for several weeks after a major breakdown due to TOXIC loans....... Cause that is what they do a person....... The stress and anxiety destroys you.....these hideous bankers and their evil secret service calculator they invented, are killing the previously happy lives of ordinary Australian families.......

Observers and Readers..... Yes..... You are right......

It's the Loan Application Forms ("LAF") that destroyed us. After stepping away from the blog for several weeks after a major breakdown due to TOXIC loans....... Cause that is what they do a person....... The stress and anxiety destroys you.....these bxxxxx bankers and the service calculator they invented are killing the happy lives of ordinary Australian families.......

Observer..... Yes..... You are right......

It's the Loan Application Forms ("LAFs") and we now know the Secret Serviceability Finance Calculator......

Its the Calculator that stayed hidden from the public involving one single product: toxic LOW DOC  MORTGAGES Nothing matches!!!!!

It's different figures all over the shop....  Banks are so evil to create this monster.....................

I still pray to God this will be over very soon for all of us.....

A message to ASIC, FOS , ALL The Senators..... WE JUST  WISH TO LIVE AGAIN......

This must come to end and they must extinguish these very toxic loans and put a STOP to that calculator....

Where is the honesty?

All you need to tell people THE TRUTH.  Tell us what is the true real life figure of what future mortgage seekers can REALLY afford.

You  Bankers are the so called professionals that we TRUSTED.....  We now see the calculator for what it is...... Nothing matches!!!!!"

and from us:

We TRUSTED.....these Banks, we had confidence in that they would not be charlatans.  We trusted that ASIC and APRA and Treasury were watching and using their powers to prosecute,  every mortgage owner was sold a faulty product that was riddled with fraud, forgery, lies and deceit and ASIC allowed this to go on for 15 years.  Even FULL DOCs have been found to be toxic in some cases.

Now this story is being told and the truth and evidence has bubbled to the surface, into the very heart of Government "control of Banks."

Time for whistleblowers to start whistling..........for the sake of humanity in this country.  We are being looked lorded over by a gang of spivs and thieves, both in the banking sector and the public service.

All LOW DOCs should be banned until this important national financial security matter is properly and freely examined by a

Royal Commission into Banking and Bankers.

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  • doyla66
    doyla66 Tuesday, 22 April 2014


    All low doc mortgages must cease until a much needed Royal Commission is held to look at all the fraudulent forgery that has taken place on so many "easy target borrower consumers" laf's. Banks and Lenders didn't need to stoop so low with this fraud but that is greed for you. Prudent lenders should have said sorry we can not lend this money to you as your earnings are not sufficient, or at least made one phone call. That would have been far better for us the borrower, but they wanted to run the gauntlet and were prepared to devise a system that would be extremely hard for anyone to work out by forging laf's to suit themselves and by doing so thinking they had the borrower caught and would be impossible for them to get out of thus eventually claiming everything the borrower ever had or owned. BFCSA has given ASIC, FOS and COSL every bit of evidence needed to hold the banks to account with no work done by themselves, so if they wish to choose and ignore such evidence only proves that they are all as corrupt as each other and guilty of covering up a crime of mega importance and one that will eventually ruin the Australian economy and countless innocent lives of borrowers caught in this scam. From replies I have received from some senators it is now known, and they are looking at decisions coming out of the EDR's with great interest. In our case money was thrown at us on my wife's under $10,000 p.a. and laf's doctored so much i'm blowed if I know where Rams come up with such rubbish. Someone or organisation will be burnt for covering up criminal behaviour soon you can count on that.

  • doyla66
    doyla66 Tuesday, 22 April 2014

    To know what ASIC have chosen to cover up for so long re how they allowed banks to run amok approving toxic mortgages to unsuspecting trusting australian citizens and apportion all blame on brokers is blood money. To know ASIC continue to deny and side skirt around a very serious issue while they allow the rot to continue with absolutely no regard for the pain, indignity, stress, health meltdown and worse of victims I personally cannot find adequate words to describe. I assume ANZ must have taken good advice from RAMS in my case Duped approving what they did under my then circumstances which I hasten to add were a whole lot better than what they are now having in the bitter end having more than half of what was rightfully mine stolen by deception and ending up part of some CEO bonus!

  • doyla66
    doyla66 Tuesday, 22 April 2014

    It has nearly been 12 months since Nab took possession of our home. The pain is still there. The torment, the embarrassment, all to familiar feelings. Nab's insidious persecution still goes on. We still do not know where we stand with Nab. No contact, what so ever. Nab send monthly loan statements with ever increasing interest added month after month. No indication of what has happened with the proceeds of the sale of our home. The new owners are still helping themselves to what ever they want from our leased land which adjoins our old home property. These low lifes are criminals with no morals. In court the mongrels perjured themselves to the max, but my well planned court documentation and questioning bought out just what I needed and just how much these low lifes were prepared to lie. Well now, I have them on toast. Next stop a jail cell, but this does not help me with Nab. It alleviates one major problem in our lives that is unless the thugs decide to re offend and bash a policeman again which was there last jail term. Can anyone really imagine what we have been through.? We are just ordinary and average and have never had to deal with fraudsters, courts, thugs and the likes. I believe I am a trusting soul and take everyone at face value and this is where I have come unstuck, although I am a very determined person and keep marching on day after day. I often wonder why? My heart goes out to all the members who are in the same predicament as ourselves. It is not easy,having to start again at retirement age with nothing behind you, but it will change for the better I am sure. Just seems to take forever but it will happen. Just hope I am not to old to enjoy watching the Lenders come tumbling down and a victory for Denise and supporters.

  • doyla66
    doyla66 Tuesday, 22 April 2014


    What I find absolutely amusing is the fact that Mr Kirk ? from ASIC said to the senators "do you realise what this will cost the banks" if they were not to make their own rules to try and protect the banks. What a pack of hypocrites to ignore the consumers they are there to protect. Senator Bishop I think it was said "I don't care how much it costs the banks, that's the penalty for falsifying documents and doing the wrong thing by consumers". Take that on board ASIC, FOS and COSL because that's what's heading your way.

  • doyla66
    doyla66 Tuesday, 22 April 2014

    Royal Commission into Banking now - End the lo doc loan rip off

    "I don't care how much it costs the banks, that's the penalty for falsifying documents and doing the wrong thing by consumers" Jail is the answers - a good long stretch for the Banker Engineers."
    That's how consumers and normal people think. No real Australian wants to be ripped off by a big business!
    I can remember well the horror of discovering that Denise was right: no one at ASIC was willing to help.
    And the similar horror of it dawning on me that ASIC and all the rest just stood by and allowed people to rob others, steal their homes where fraud had occurred.
    Then today when I heard from a friend who is still waiting 18 months later for the Police to do something about their dreadful mortgage: their LAFs are the "poster child" for fraud, tampering and forgery - A real classic! What's going on, they said. Do we have to go back to the local politician to get answers? We get the brush off when we try to get answers from the Police as well. Why?
    The wheels of the Australian justice system in our defense grind so slowly they must rust on their rails. No so when it comes to rubber stamping our homes into the careless hands of grubby lenders. Why?
    People get injured and die from the shock and distress of being plunged into the abyss of financial crime. It is such a devastating experience for anyone who has never had anything to do with crime to be treated that way and expected by the authorities to put up with this disgusting treatment. People who had never even considered crime to be part of their lives suddenly find they're being accused of the fraud and treated like the criminals by the Bankster staff and ASIC. It can send you out of your mind dealing with this toxic upside down insane world of white collar crime!
    It's so obviously fraud - it doesn't require a Rhodes scholar to work that part out in each case. The whole system of lending is based on fraud, right across the board.
    Another friend described their mortgage as a 'death trap' - seeing what it did to their family that rings true.
    But apart from a few good Senators the rest are still trying to minimise the problem with statements like "Well, that's just one case" and even "I can't see anything wrong with that" and "You signed it" and "You got the money".
    Every politician right across Australia should get an education fast: lending isn't about giving borrowers money any more. It hasn't been since the 90s as far as I can make out. Who are they trying to kid with such inane statements, especially when upset and long suffering constituents come to them for support in reporting criminal lending practices!? Has the Australian Government gone mad!!??
    If that quote came from Senator Bishop, more power to him. At least he's on the right track and dealing with reality.

  • doyla66
    doyla66 Tuesday, 22 April 2014

    It's time to extinguish all fraudulent loans and stop the pain and suffering. We do not deserve to go through this pain and torture any longer. Put the banksters in our shoes and see how they feel. We have had enough and want our lives back. Sufficient evidence has been put forward from all directions. This should merit a Royal Commission. We are praying to God and pinninig our hopes on the Senators delivering a positive and favourable decision at the end of May.

  • doyla66
    doyla66 Wednesday, 23 April 2014

    If I had committed a fraud I am damn sure that I would be shown no mercy. No passing go, just straight to jail. Shouldn't it be one set of rules for all.

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