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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 - Phone call asking me "did I want a real copy (of my LAF) unedited, and if so to meet her, which I did."

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Commonwealth Bank Maladministration with (NAME WITHELD)

I have documented proof of all on this page and I also have a copy of my LAF from the bank.  

This is a letter I emailed to dozens of Senators around Australia. 

Can I please ask you Senator why ASIC, FOS and COSL never investigated my situation when I was in need and why the bank savaged me when I was most vulnerable, why I was made to pay for their own bank managers maladministration and greed, why I am now left on a Disability pension and mentally ill because of the Commonwealth Bank’s rape of my rights, why the Queensland Police are reluctant to investigate the obvious crime and what did I do wrong to deserve this? 

Why do we have all these laws and regulatory bodies if they do nothing to protect the victims? 

Here is my story . . . 

It all began in 2007 when we were happily financed with Westpac with our family home and 2 rentals that we had just completed renovating. We went to look at a unit but were knocked back because Westpac said we were over committed. The real estate lady was not happy as she was not used to losing a sale. She said she would introduce us to someone who would be able to approve it. My wife and I were not that concerned so we declined her offer. We were strongly persuaded to rethink, but again we declined as our mortgage was getting scary. About a week later she showed up at our home with the CBA mobile lending manager who immediately began to seduce us into dealing with the CBA.  

We were regularly visited by this CBA manager and continued to decline his many offers. He told us that we were on a gold mine and that he would put his money where his mouth was to prove it.  

Over the next 4 weeks we found that we were banking with the Commonwealth Bank and all without a signature or our consent. Mail began arriving from the CBA stating that we were now customers of the Commonwealth Bank to our surprise. When we confronted the CBA manager we were told that we had to sign the documents, saying that is was unlawful not to as it was just how they did things. He had several personal assistants working for him and one of them supplied the documents that we were forced to sign. We asked how he was able to approve our loan over Westpac, and he always told us that the property valuations and formulas he used were different and were for bank purposes only, and that he could not provide us with them. 

About 6 months later the market crashed and we then realised we were in trouble. He even gave us $20k to help with repayments, but he did so in the form of a loan so he could get yet another commission. We now had more loans than properties, yet another way he got his money. Instead of one big loan, he set up a different loan for each property. We had 4 properties and 1 personal loan and 5 loans, giving him 5 nice commissions for one person.  

As we were given a loan we could not afford we were now faced with selling our properties to get out of trouble, but everyone was doing the same and properties had dropped by almost half and people were just not buying because of the market. 

The bank immediately began to pressure us when we could not make payments, we applied for hardship which they granted but still made it hard for us. At this time we thought it was our fault we were in trouble financially, we later found out about the maladministration, deceit and the dozen other laws he had broken and that we were totally innocent victims. 

Not long after this in approx early 2010 the Commonwealth Bank manager Graham Lyneham was sacked and he was also gagged by a “Clean up Crew” who were sent up from Melbourne headed by a senior bank executive Mr Morriss Cook. Mr Cook and his group sent about cleaning up the huge mess that Mr Lyneham had made in Townsville and surrounds.  Mr Cook was well aware of the fraud and corruption the banker was committing but chose or was told to cover it up by the CBA. 

We entered negotiations with Mr Cook and we asked for a deal to just walk away without ill feelings and just to move on. We asked for 2 houses to the value of $300k each in clear title, as by now my wife and I were separating due to the huge mounting stress after we both had a nervous breakdown.  

This amount was less than we had equity in the properties but we just wanted it over and the stress to end. The bank denied this and the harder we fought the nastier the Commonwealth Bank got. In April 2011 the bank made us a final ultimatum, to accept $170k or they would bankrupt us and just take our properties. (Our accountant labelled the $170k payment as a bribe and hush money as she could not put it down to a sale or business expense or even a gift, so she used the word bribe in the official tax records) They gave us documents to sign to keep us quiet. We were given 7 days to sign the documents or else. After the 7 days we had not signed the documents but were forced into accepting the offer as we were penniless. We took the unsigned documents into the bank expecting to sign them and have them witnessed by the bank.  

The documents were in the same yellow envelope we received them in, we handed them to a man named Casey Maskil, a bank employee and he handed us the $170k cheque not checking to see the documents first.  

ASIC, FOS and COSL did absolutely nothing all along and refused to even look into our case. 

We tried to get on with life as best we could both renting a property to live in. My mental health declined severely and I found that I could not hold down a job and function day to day like I used to.  

In late 2011 I met others like myself on facebook and other websites. I began to ask more questions and educate myself into banking matters.  

In early 2013, I met and was told by Denise Brailey to ask for my Loan Application Forms, which I did via letters she provided me with. The Commonwealth Bank declined strongly saying that those documents belonged to the bank as we no longer owned the properties. I spoke to CBA executive, a Mr Paul Garth on the Sunshine Coast, who is in charge of sorting the Storm Financial Fraud Scandal. He told me that they could not provide me with the LAF as it would leave the Commonwealth Bank wide open to prosecution. He then fobbed me off to Ms Leanne Newman in Sydney, who is in the CBA “Customer Relations and Experience Department”. I persisted and wrote many more letters and made many more calls until I received a copy of my LAF in the mail. It was a joke as the LAF were all whitened out with all the important bits. I went into the local business banking office and spoke to Ms Christine Brooks who once worked for Mr Lyneham and had also had her silence bought to keep her job by the CBA, to ask her about this joke, she declined to answer and asked me not to make contact with her again. 

Several days later I got a phone call and asked if I wanted a copy of my LAF, I said that I already had them. The lady asked me did I want a real copy unedited, and if so to meet her, which I did.  

I got the real unedited version of my LAF, she told me to make copies of them, speak to a lawyer and take them to the police, and to please forget this meeting. I don’t know who she was but I imagine she works for the bank and overheard my conversation regarding my edited LAF. 

Included in the envelope were the documents from the agreement and they had forged our signatures and witnessed them also, I have since had this witnessed by a JP to state that my wife and I never signed such documents. I have since been told by a lawyer that such an important document would have been required to be witnessed by a JP, and that these documents were a simple means used to intimidate and blackmail the victim. 

There were another few documents that made our LAF look more presentable. 

1.The LAF showed that our properties were overvalued by as much as $350k+ 

2.That our income was $150k per year when we were earning nothing as we were renovating the properties. 

3.It also had us down as having no dependents when he knew we had a son. 

4.He also inserted fictitious cars and exaggerated valuations. 

5.He omitted our large credit card debt with another bank. 

6.He put me down as working for a real estate agent for 5 years and 10 months when I was never employed by her at all.

7.Included is a document that Mr Lyneham even got on this real estate’s letterhead to back up my employment on the LAF. 

My complaint is now with the Queensland Police for Fraud and ASIC have now actually contacted me to reopen the case and asked me for all my proof, which I supplied to them, I was really extremely shocked.  I believe they are feeling the heat from the Senate investigation at this stage. I wrote my submission to the Senate enquiry also, number 124.  

I am now on a Disability Pension for my many mental illnesses as I am unable to work. I also want to take this as far as I can go and get my money back. I am now treated for P.T.S.D, depression and anxiety as well as high blood pressure and have been told by doctors this is permanent and the medication I am now on limits my everyday life. I now live in a small caravan in the back yard of a lovely lady, a friend who took me in when I needed help. I survive on $400 per week and have to consume more medication and alcohol that I would like to simply to try to stay sane so that I may fight on. Everything here can be proven as we have all documents. I estimate we lost between $600k and $800k+ depending on the real property valuations because of Mr Lyneham’s get rich quick scheme at our expense. He now has a multi-million dollar real estate business and 30+ properties in his portfolio. I fully believe that this business was built on the proceeds of crime. 

I believe that my fight with the Commonwealth Bank to keep our properties since 2009 was the cause my irreversible mental illness and a life of sickness and poverty that would have been avoided if we had not been conned and fraudulently treated by the Commonwealth Bank.  

I am seeking personal damages for the way the Commonwealth Bank has treated me and created my permanent disability.  I also am aware of hundreds of others also suffering the same as a result of the bank and their employee’s greedy actions toward us. 

I am happy to cooperate in any way possible to seek justice.   

Thank you kindly, 

Peter S 

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  • doyla66
    doyla66 Thursday, 13 March 2014

    Stay as Strong as you can

    I am so so sorry you and your family have had to live this nightmare - keep fighting for justice ok, on the really hard days when you hit the wall and feel as though you can't keep going, remember your doing this for your son too as well as for the truth , I pray everyday it's all over soon so we can have our lives back and we can simply breathe again. Look after yourself each day ok.
    Maggie M

  • doyla66
    doyla66 Thursday, 13 March 2014


    It sickens me to the core to read all the stories if what the banks have done to each of us. I hope they all rot in jail in the not too distant future.

  • doyla66
    doyla66 Thursday, 13 March 2014


    Peter you are NOT alone. There are thousands of us.
    Unfortunately this BLOGG as you can see has become an every day thing for many of us.
    It keeps us stong & keeps us fighting.
    Peter have you written to a lll the SENATORS. YOU MUST DO THIS TODAY as hard as it is.
    Email them your story, I KNOW ITS HARD & repetitive BUT WE HAVE TO DO THIS.
    Are you a member of BFCSA ? If not JOIN TODAY……PLEASE
    BFCSA can email you all the senators email contact details.
    there is light at the end of this dark tunnel we all live every day.
    Take care & become part of this club that you may not want to be part of, but you must as we are all out to seek justice.
    In some crazy way, this BLOGG will help you, the emails from the president will help you deal with the feeling of being alone, because you are NOT.
    there are many of us from all walks of life.
    From my understanding this GROUP is growing is catastrophic numbers daily……
    SOMETHING WILL BE DONE PETER….. we can no longer be ignored!!!!!!
    I am a young mother of 2.
    I also could no longer work, the devastation crippled me……BUT in recent weeks I have found strength & am determined to return to work again…..
    There are school teachers, farmers, bank workers, single mums & dads, plumbers, electricians all caught up in tis WEB of destruction…..

  • Denise
    Denise Thursday, 13 March 2014

    A ROYAL COMMISSION INTO THE BANKING SECTOR is long overdue. Bank driven fraud for the sake of Bankster greed and big bank bonuses has created a crime scene of monumental proportions. How can we as a nation support such an evil system of doing business. We need a fine microscope and a rather large spotlight shone on everyone of these Bank Engineers, starting with the CBA!!! ASIC, FOS and COSL need to be stopped from handling consumer complaints asap. The TRIO are only there to protect banks and have displayed no appetite for cleaning up the sector. We urgently need a proper Federal Consumer Protection Bureau that can re-open all of these cases. There is no statute limitations relating to FRAUD! BANK ENGINEERS SHOULD NOT BE IMMUNE FROM PROSECUTION. How unAustralian is that! [email protected]

  • Denise
    Denise Thursday, 13 March 2014

    Peter join us today.....feel at least the camaraderie from BFCSA and the fact you are not alone. There are indeed thousands of you out there. $50 billion of these dirty loans have been written and are a time-bomb. You do not need the drink if you have others who care. We care. Hit the membership button and then you will have access to our network and emails. It will give you strength as we all move forward arm in arm. [email protected]

  • doyla66
    doyla66 Thursday, 13 March 2014


    Peter, its the best thing you can do. Please TRUST a fellow RIPPED OFF CONSUMER on this…...
    JOIN BFCSA & stay in contact with the bloggers.
    It will give you an unbelievable feeling of strength & courage.
    You will then have the tools to help your case….
    Peter it will be the best $$$ you have spent in a while. Cant remember what the cost is, BUT it is very little for the support you will receive in return.

  • doyla66
    doyla66 Thursday, 13 March 2014

    Thank you everyone, I am already a member, have been for about a year now and yes I know I am not alone but the hurt and anger is not going to go away until justice is done, and I think it is slowly happening, hope I am still around to see it. Nil Desperandum, I will never give up that is for sure !

  • doyla66
    doyla66 Thursday, 13 March 2014

    Peter, i am so glad you have come forward to share your story. Here, you are with friends who care about you and each other as we all share the same experience. I don't know what i would have done without this group. It has saved mine and my husbands sanity. We have learned so much about how this crime was set up and put into action and we learned it from being here. Denise has unscrambled so much information. She has done all the investigation into this crime and she has all the evidence. Some has been put forward to the Senate Inquiry but she has so much more to reveal and that will be done soon. She has been our rock and lifesaver so join us can swap your drink with chatting to us. It will give you a much more natural high than the alchohol ever will plus you won't have a hangover the next day and ruin your health even more and you will feel invigorated and your depression will slowly deminish as we go forward together toward success for each one of us. There will be success and it's coming soon. The most powerful blinding spotlight is soon going to be shone so brightly on this scandal and i simply cannot wait. And when that light shines it will gather every lost victim in the nation to come and join us, and remember there are more of us than there is of them. The power of the people is stronger than the people in power. Good things to look forward to in the near future xox

  • doyla66
    doyla66 Thursday, 13 March 2014


    Thanks Ali....
    That blog really peped me up.
    Strength strength strength
    I feel HUGE things will happen over the next few months.

  • doyla66
    doyla66 Friday, 14 March 2014

    Peter, you are in the right place as we are the never give up group. Gfs i feel the same....big positive things are on the way and we are going to swap places with those thieving parasites. It will be their turn to lay awake each night and suffer in all the ways they made us suffer and it will be our turn to have our sweet life back because we didn't give up. Good things come to those who wait.

  • doyla66
    doyla66 Friday, 14 March 2014

    Peter, don't forget to put your name on the "homes lost register" if you haven't already done so. When Denise has enough names there will be a class action organised.

  • doyla66
    doyla66 Friday, 14 March 2014

    Peter my thoughts are with you. Same old story over and over again. What a sick society we live in. What an even sicker Government who cannot see the fire for the smoke. I'm sure the Government know what is going on but turn a blind eye. Makes you feel sick they we are all being treated. Good Luck with CBA I hop you get everything you deserve and more.

  • doyla66
    doyla66 Friday, 14 March 2014

    Take good care of yourself, Peter. As you well know these greedy people can be very dangerous. It is increasingly clear that they still consider themselves above the Law and that very little has changed in this respect in a long time. This level of misconduct is long overdue for review. We must send the message to law makers and the media worldwide that we, as law abiding Australians, will no longer tolerate this dishonest, unethical and seriously destructive behaviour.

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