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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 - My FULL Doc loan was manipulated by Westpac ( 2010 & 2011 Tax assessments)

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To date I have complained to FOS and reported a Crime to NSW Police regarding Westpac Bank and how they refuse to explain why and how it manipulated my 2010 & 11 Tax Assessments.  All questions from FOS to me so far have had nothing to do with either my complaint, or what Westpac Bank has done.

It seems to me, from my experiences so far, that FOS & Westpac think its OK to increase my income Tax details without my knowledge.  A Westpac Credit Assessor increased my income on my FULL doc Loan application. As a direct result of Westpac unjustly increasing my income to suit their "service calculator" I have been placed in financial difficulty from the day the loan was approved by Westpac.

R.S. (name withheld)

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  • doyla66
    doyla66 Monday, 17 February 2014


    The stories just keep coming....
    How will this be fixed?
    How can it be OK for this to happen in Australia?
    Justice is around the corner.
    Freeze all toxic loans and freeze FOS till this government can work out what to do with this OUT OF CONTROL situation.
    Clearly FOS is not helping anyone and has no regard for the law.
    The banks def have disrespect for the law.
    We are all victims.
    It must come to a halt......

    May this week bring happier times for us all.

  • doyla66
    doyla66 Monday, 17 February 2014

    Common theme

    My WESTPAC loan although low doc is the same situation but of course you supposedly self declare on low doc loans. If they have manipulated your figures on a full doc loan there must be some taxation figures to substantiate their claim of your earnings otherwise they WESTPAC do not have a leg to stand on unless the exaggerated income figure is in your handwriting. Just ask FOS to view your taxation figures which you would have to have supplied for a full doc loan to be approved, if the figure in your tax figures do not match that of the WESTPAC figures the simple question is why?.

  • doyla66
    doyla66 Monday, 17 February 2014


    Gee that picture of Gail Kelly makes me fume - the smiling assassin. If she thinks she can laugh at ripping people off well the only place for her is hell.

  • doyla66
    doyla66 Wednesday, 19 February 2014

    I know what you mean Duped

    Westpac the Kelly Gang: Kelly has an innocent caring look if only the world knew what a vile snake she really is, capable of destroying lives ripping off you grandmother and never even sideways glancing. Takes a very special breed to be able to perform the atrocities she and her Bankster Gang have been a part of, fancy going home to your family every day knowing how you made your money. I will sleep better being poor and honest rather than their world (BANKSTERS) of having to face yourself in the mirror knowing you have stripped other Mums and Dads of their right to give their children the benefit of their hard work. To break into my house and steal a watch or my wife's handbag or our phones/computers or such like can only be seen as a desperate act to obtain the money required to live (although it be unacceptable) but to do what BANKSTERS do and steal peoples LIVES can only be seen as the lowest of crimes. Take a long hard look at yourselves BANKSTERS then tell all of us you have RIPPED OFF that you honestly like what you see, do you realise what your insatiable need for money has done to you as people. VERY VERY SAD.

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