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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: My Story - ANZ finally admits "we advise we do not hold a Loan application" for my 2007 Loan.

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I have been very ill for some time now & most of this is due to ANZ, their lies & approval of an illegal loan which resulted in the loss of our family home.

After a long battle with FOS who would not ask that question to ANZ  "how was I qualified for the loan in the first place?" I FINALLY learned the truth!

I received an email from ANZ with an Admission that they hold NO application for my 2007 loan.  The email was received from an ANZ staff member who was filling in whilst the staff managing my banking account were on holidays... this was long after my FOS dealings. 

I had tried to get copies of my LAF for many years & just kept getting the run around by ANZ staff.  Whilst they where on holidays I requested my LAF copies again as I knew the liars were away & FINALLY a relief staff member emailed me the truth.  There was no loan application!

"We advise that we do not hold a Loan application for the Loan restructure in 2007.  All Loan details are documented in the Letter of offer which has been provided."

So how could I have been approved without an application ?  Now I have lost our family home because I was approved for a loan that I would never be able to afford. 

Today I am not supposed to get too involved with stressful things, however no Doctor can erase that part in my mind which won't let me rest, even heavily medicated.  I can't get my mind off the things ANZ has done to my family & I.

Mine is a long complex drawn out saga that defies belief.  Not FOS nor the 45 solicitors I contacted nor legal aid were interested to take on a case against ANZ, however if I fell over in a shopping mall & was injured all 45 solicitors want those cases, so without Denise & BFCSA there is absolutely no one out there who can help to really tackle these issues, not just the unfair bank fees and charges, the whole banking and finance process needs to be investigated thoroughly...  enough is enough!

Just the profit ANZ makes should be SCREAMING OUT "wake up everyone"

Now I have had a whinge I am pumped up & am coming to Sydney to support Denise at the Senate Inquiry & would love to meet you all.

This is my comeback after a long time down & my case needs to be seen to believed.

Wayne D.

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  • doyla66
    doyla66 Monday, 17 February 2014

    Same with Nab. No LAF. The Broker did not complete an application, the only thing ever signed for the Broker was for him to get his ongoing commission. Even that was not legal as there were 4 applicants and only 1 signed. It was not a company at the time. The Broker did not know us or ever saw us. All documentation from the Nab was sent directly to the Broker.

  • doyla66
    doyla66 Monday, 17 February 2014


    Justice will come Wayne.
    I dont understand how FOS can not demand compensation under such
    Circumstances.....its a joke
    What a joke ANZ is.
    ANZ are getting away with fraud

  • doyla66
    doyla66 Monday, 17 February 2014

    "so without Denise & BFCSA there is absolutely no one out there who can help to really tackle these issues.."

    precisely why it is about time that Denise Brailey and BFCSA get the recognition it deserves.
    ASIC receives $450 million !! BFCSA zilch...Stop wasting taxpayers money Pollies !!... BFCSA has proven itself time and time again, and WILL help to keep the banksters honest, and Consumers Informed... a pipedream?? maybe... but the "natives" (all around the world too) are getting restless. We all have been too trusting. Thanks to BFCSA more and more everyday aussies are being empowered to challenge the banking establishment and ask questions... We don't trust any of you any more... and we are not going away. We demand satisfaction

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