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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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Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

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BFCSA: WHY everyone needs to VOTE for Royal Commission and MUST write to the Opposition.

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WHY everyone needs to VOTE for Royal Commission and MUST write to the Opposition.


We have all wasted time writing to Turnbull and his Ministers.  As a banker he will not change his mind.  If he did change would you trust him to hand pick Royal Commissioners?  NOW is the TIME to write to the Leader of the Opposition who said YES TO an RC on 4th April 2016, and continues with that promise and guaranteed policy today.

 A Royal Commission into Banks and Regulators, wide Terms of Reference, will shine a spotlight on even more criminal conduct. It will also expose more scandals and cover ups.  CEOs have been busy trying to kill off any thorough and proper investigations. Our BFCSA Members’ collective pressure has led to the formation of Consumer Advocacy Services being set up inside each Major Bank.  The Banks now realise they have an escalating image problem due to numerous banking scandals.

Very few people have been to court.  Most cases are settled out of court

This means a class action may look at those prospects:  as being first time presented to court.  If a case has been to court and Judgement against you – it can never be reviewed by any party as the courts are the highest authority.  Yet I believe the evidence against FOS suggests those cases can be overturned.

You need a ROYAL COMMISSION to achieve a CLASS ACTION.  We need discovery of documents that have been maliciously and criminally hidden for years: ie The missing pages scandals as in the US.

The RC will provide the following outcomes: legislative change, spawn fully funded class-actions, deliver comprehensive reports on why recommendations for criminal charges to be laid and followed up immediately by the CDPP, will bring about a complete reform in Banking Systems of approval.  There will be reforms in financial advice and will hopefully render the Banks be fully responsible for every approval of any type of loan.

In other words complete reforms are required to ensure monetary policy is consistent with the financial well-being of future generations of consumers and borrowers being top priority in the coming decade.

Professor Ramsay's Banking Tribunal is a whitewash and another Turnbull brain implosion.  I took part in this fiasco as a Stakeholder on behalf of all bank victims.  I seriously wrote a 14 page report suggesting FOS system needs to be demolished.  We are back to communicating with Banks and not the idiotic FOS EDR known as the ASIC DOOM LOOP system. 

The Turnbull inspired, Ramsay suggestion that we create a new super EDR named AFCA will be the same old, same old nonsense that favours the banks and hands out $20k - $60k determinations for a “fair assessment” of a $220k LOSS. 

The AFCA limit is suggested at $500k compo and like  its predecessor the new beasts will be the very same Tregillis / Field led Team you have come to love and cherish (joke Alice) who are ex ASICKERs and ex Bankers. 

The so called reforms are just a name change so do not be fooled by AFCA.  It’s a Clayton’s change.  Banks have decided that the “ombudsman’s decision is final and hence the Consumer Doom Loop process.”  BFCSA will not be supporting this SHAM.  Instead we will deal directly with Banks and their newly created CAS systems.

One way or the other these Bankers will be dragged screaming and kicking into the new world order of Consumers Deserve Justice.  We have TRUTH and collective EVIDENCE on our side and we are united. 

Yes you can write a letter to the Opposition Leader and its Shadow Ministers and tell them how much you appreciate the promise of a Royal Commission and what your dot point issues and experiences are

BFSCA submission to the EDR Review is on the Treasury website and can still be viewed here:  Scroll to "Banking and Finance" etc

Yes you can write a letter to the Opposition leader and its Shadow Ministers and tell them how much you appreciate the promise of a Royal Commission and what your dot point issues and experiences are

Make sure you tell the Shadow Ministers which bank!!! 

We need to keep the Opposition fully informed of even the most serious cases of MORTGAGE FRAUD.


Leader of the Opposition
Hon Bill Shorten MP

Shadow Minister
Hon Chris Bowen MP

Shadow Assistant Treasurer 
Hon Dr Andrew Leigh MP

Shadow Minister for Small Business and Financial Services

Senator Katy Gallagher

Shadow Minister for Justice

Clare O'Neil MP

Shadow Minister for Consumer Affairs

Tim Hammond MP

Shadow Minister for Housing and Homelessness

Senator the Hon Doug Cameron

Deputy Leader of the Opposition - Minster for Women

Hon Tanya Plibersek MP

Leader of the Opposition in the Senate

Senator the Hon Penny Wong

Shadow Minister for Rural and Regional Australia
Hon Joel Fitzgibbon MP

Shadow Minister for Ageing and Mental Health
Hon Julie Collins MP

Shadow Assistant Minister for Treasury
Hon Matt Thistlethwaite MP

If you have an inappropriate response from the current Government: send copies of the response and your letter to the SHADOW MINISTER in Opposition.

There may be other Shadow Ministers you wish to write to at this link:







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