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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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Denise and BFCSA members confront Shane Tregillis and Philip Field in hallway.

Posted by on in SENATE INQUIRIES
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Dear members

Its very rare where simple folk like us get to confront the men  in public who hold the power thats going to control the destiny of most of BFCSA members lives. We managed to confront them in the hallwayoutsidee the conference room where ASIC's hearings are taking place.  Philip Field answered most of the questions while Shane Tregillis just stood there letting him take the questions.

I managed to ask Tregillis is it true that lenders no longer need to keep  wet ink copies of loan application forms? He said that's true and tried to dismiss it as not important because the electric format ones are available. Denise and a few members tried to press him on the matter and stated the electric format is open to exploitation but it appears he is happy with the electronic format.

Next I would like to get  Gladiator and Ali's opinion as they were at the hearings, the way Philip Field was talking ,regardless of the FOS determination, the residence has to be sold, as if the residence was a result of the loan and not as the asset on which the loan was based. I also stated to him that most people try to avoid going before FOS and COSL if  possible because they are aware of the pain and stress involved in going down this path, he didn't answer as questions were flying at him thick and fast so he managed to avoid the issue.

On the ABC program The Business the reporter Andrew Robertson managed to get an apology of sorts from ASIC Chairman Greg Medcraft after the question was asked" what about the thousands of Australians who have lost their money  over the years because of ASIC's performance and BFCSA even managed to hear Philip Field say he is sorry to see people losing their homes and money, so there we are, these two powerful men are fully aware of what people are suffering through and yet are quiet prepared to sit back and let this carnage continue without intervening and using the powers they have to either change or rectify the situation or consult with government to seek some sort of resolution.

Denise is catching up with family in Sydney before flying home and back to her day job Tuesday, seeing she will be in transit over the next few days I please ask any one who feels capable to please post a blog over the next few days so we can keep the dialogue fresh and ongoing until Denise's return as I don't want to get writers block and also my ninety year old mother is in hospital and is my first priority. Thanks Neil T.

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  • doyla66
    doyla66 Saturday, 22 February 2014

    FOS and COSL lied to Parliament by stating exceptions as general practice and by omission.
    "We do look at cases greater than 500 000." They did NOT say in exceptional circumstances.
    What if a broker forged the loan application? Answer: The broker had to pay 80% of the moneys granted (one case) NO word that according to their policies the broker is the complainant's agent and the victim is therefore responsible for the forgeries!!!
    No hint about the determination process with no appeal possible.
    80% of cases are settled by agreement. When we challenged Tregalis about that statement he said in the hallway this was not for complex loan issues, but more for other products.
    FOS managed to avert focus from the fact that most loans are secured against homes people owned outright before, that anybody with an asset and a pulse got targeted. Mr. Field said, well if someone bought a house and the loan was maladministered, they can't keep the house. Sure, but what percentage of cases are of that nature?
    They were very selective in what they chose to say and as the whole picture it turned out to be a complete misrepresentation of what really goes on. Just listen to the recording of the session.

    The Senators were generally very well prepared, but FOS and COSL managed to run rings around them.
    I have sent an email to Senator Williams and alerted him to that.

    My learning from that experience is that I should have put questions into my submission. That might have been helpful to the Senators whilst leaving them free.

  • doyla66
    doyla66 Saturday, 22 February 2014


    Philip Field is an ex bank lawyer interested only in self advancement and cares zip about the people whose lives he has ruined -- he is one person who I hope to meet in person before I pass on ----he i8s turkey who uses a discretion which he purports to have ( no authority anywhere giving him the power to overrule the Banking Code ) and coincidently his use of the supposed discretion seems to favor the FSP

  • doyla66
    doyla66 Saturday, 22 February 2014

    It must be too complex for people to understand and the ones who do understand are clever enough to commit FRAUD

    Well by the sound of if fellow BFCSAers we were all hoodwinked again the crooks are not just in their BANKSTER TOWERS they exist in regulation as well. The reason these so called protectors of the people know the answers to all the tricky questions is that they have versed themselves in ways of avoidance knowing these questions would be asked. You know yourselves members if you are going to be confronted by a quandary that concerns you then you will put much more time into that question to word things right. Well these clowns have been protecting their BANKSTER MATES so long now that they cannot afford things to come out into the open as there will be wide ranging implications for them as well and probably for some very high ranking politicians also. Just remember the industries that many of our politicians and regulators come from in the first place Lawyers, Bankers, Finance and Insurance executives and Corporate Accountants all from the same gene pool. We obviously have worried them to the point they have as regulators committed so much time to answer the questions with more questions and have now openly admitted that the Bankster industry has taken the opportunity to destroy WET INK DOCUMENTS. I find it totally unbelievable that these regulators cannot see the importance of the retention of the WET COPY OF A CONTRACT, then they state that they are happy with an electronic version THIS LEGISLATION MUST BE REPEALED. It is totally outlandish to think that the Banksters went to parliament cap in hand requesting ORIGINAL LOAN DOCUMENTS BE DESTROYED and the totally disgusting part is our politicians ALLOWED IT TO BE PUT INTO LEGISLATION. Where we go from here is very much up to knocking this ridiculous legislation on the head and getting a direct voice in parliament, we have a few very faithful Senator supporters but it seems that some cant get their heads around this complex issue or they have a vested interest in it not getting a chance to be understood. I think particularly at present and particularly in Western Australia with us going back to the polling booth there is a perfect opportunity to voice our displeasure at the hearing given to BFCSA at the Senate Hearing. Its the place to start by ringing local candidates and informing them of where your vote will go if a real voice is not given to the people affected by Bank Fraud. Our Media has again shown scant disregard for this story to make it into the public arena as I again contacted a high profile Perth talk back DJ who calls himself an investigative journalist but they do not give this story any cudos. It appears it probably cuts into their advertising returns with it being squarely aimed a the Banks and Media and Politics don't like Banks being upset as they spend and send lots of dollars both players ways.

  • doyla66
    doyla66 Saturday, 22 February 2014

    Paul, the thing that worried me was Senator Bishop(W.A.) who was the chair at the meeting cut Senator Williams off and adjourned for break when Senator Williams was getting into FOS, he also brought Denise's timeslot forward in the afternoon and reduced it by fifteen minutes. Senator Bishop stated on public record( Hansard) " that anybody who signs a blank loan application form is stupid". Senator Bushby ( Tasmania, Google him and the Penny Wong incident) said " why would you sign a loan application form with altered figures in it" and Denise tried to explain we didn't. Denise needed more than forty five minutes to explain the whole complex issues of the service calculator and the banksters involvement, apart from Senator Williams the other Senators had trouble getting their heads around the banksters part in the scheme and as per the banksters plans think its the brokers. I have as well as Gladiator written to Senator Williams asking him to let Denise sit down one on one with the Senators and no time restraints so she can fully explain how it all works. I stated since she has already done this with ASIC, FOS and COSL commissioners and they knew what was going on and did nothing so the Senators must be privy to the same information so they can make their determination on ASIC's and the EDR's performance, its crucial Denise be allowed to explain this so the Senators fully understand the banksters involvement before making their recommendations to parliament.

  • doyla66
    doyla66 Saturday, 22 February 2014

    The reason these so called protectors of the people know the answers to all the tricky questions is that they have versed themselves in ways of avoidance...........and, may I add misrepresentation

    COSL Mr Venga : We also received complaints from borrowers that their lenders had provided them with low-doc and low-doc loans they could not afford to pay. Because these loans pre-dated the introduction of responsible lending obligations on lenders in 2010 we were limited in our ability to provide relief. The fact is the law simply did not impose a positive obligation on a lender to verify a borrower's financial position before providing credit.
    It may be useful at this juncture for me to quote some very recent judicial pronouncements about the culpability of lenders in these circumstances before the introduction responsible lending obligations. In its decision in Perpetual Trustees Australia Limited v Schmidt & Anor in the Victorian Supreme Court said: The law, however, does not recognise any duty upon a lender to assess the capacity of a borrower to repay a loan, or to ascertain the viability, of a loan or to verify the details provided in loan applications

    The FACTS
    Perpetual Trustees Australia Limited v Schmidt & Anor [2010] VSC 67 (4 May 2010)

    Mr Schmidts loan was fraudulently filled in by Maddocks, who gave the LAF to, Medallion agent of VHLA mortgage manager , who obtained the funds from lender Perpetual
    173 The assertion of breach by Mr Schmidt presupposes the existence of such a duty [of care by VHLA]. The law, however, does not recognise any duty [of care] upon a lender to assess the capacity of a borrower to repay a loan, or to ascertain the viability, of a loan or to verify the details provided in loan applications.
    175 Whilst it might be for the lender to determine what enquiries it should make to verify information given in support of a loan application: Micarone at [625], it seems to me that adherence by a lender to its own guidelines has added importance where prospective borrowers are exposed to a serious risk of fraud. Permanent Trustee Co Ltd v O’Donnell
    212 VHLA’s actions in processing the loan in the knowledge of the various factors I have referred to were deliberate and attended by moral fault and lack of moral responsibility. By, at the least, turning a blind eye to the irregularities in the loan application and the income declaration and ensuring that the supplementary information was massaged, VHLA did not act in good faith. Accordingly, I am satisfied that VHLA acted unconscionably and in breach of the general law, I am also satisfied that in the processing of the loan in this fashion it was, for the reasons I have set out, acting as Perpetual’s agent. It follows that Perpetual is liable for VHLA’s unconscionable conduct.
    235 The loan contract and the mortgage should be set aside, as a result of VHLA’s unconscionable conduct which is attributable to Perpetual.

    COSL Mr Venga : Similarly, in its decision in Buccoliero v Commonwealth Bank of Australia the New South Wales Court of Appeal said:
    … the proposition remains true that there is no duty owed by a lender to make reasonable enquiries to be satisfied that the borrower can service the loan.

    The FACTS
    Commonwealth Bank of Australia v Munro & anor [2011] NSWSC 128 (25 February 2011)
    Munro the defacto of Buccoliero falsified the LAF and documents
    134 In Conjunction with what I have earlier said on the subject of credibility, I am not prepared to accept Ms Buccoliero 's evidence Munro failed to appear
    67 It was clear from the facts as we now know them that the appellant could not service the loan from her income of the pension. Thus, the only way that the loan could be repaid was by realising the capital asset mortgaged. However, the Bank was unaware of this because it received fabricated documents from Munro which purported to show that the appellant was in receipt of substantial income and the Bank actually made some (though inadequate) reference checks.
    It is true that in the instant case the borrower had no repayment plans, however, the proposition remains true that there is no duty owed by a lender to make reasonable enquiries to be satisfied that the borrower can service the loan. If it does not do so, that fact with other circumstances may add up to make a court consider the loan transaction was unjust, but that is a separate question.

    COSL Mr Venga : Again, in Accom Finance Pty Limited v Mars Pty Limited the New South Wales Court of Appeal said:
    There is no authority of which I am aware which goes so far as to say that a proposed lender has an obligation to obtain proof of the stated income of the borrower …

    The FACTS
    Accom Finance Pty Limited v Mars Pty Ltd & Kowalczuk [2007] NSWSC 726
    Mars owner of an unencumbered property $1 million and Kowalczuk owner of an unencumbered $500,000. As a result of what appears to have been clearly fraudulent conduct on the part of Kowalczuk’s wife’s cousin, a Mr Anastasi (Anastasi), who apparently convinced Kowalczuk that he could make substantial profits by using his properties to borrow money for on-lending, and then misappropriated funds, who has left the jurisdiction,

    Kowalczuk who had knowledge and signed documents that the mortgage was for a period of two months with an interest rate of 60% per annum and a default rate of 120%. The principal was $807,000 and the due date 12 February 2006. Once again the interest for the two months was paid in advance and deducted from the principal sum.

    Accom did not know that Mars would have difficulties with repayment and it did not know of Kowalczuk’s educational background. It had statements signed by him that he earned $100,000 a year, which were untrue, but not to Accom ’s knowledge.

    There is no authority of which I am aware which goes so far as to say that a proposed lender has an obligation to obtain proof of the stated income of the borrower or to require a certificate of independent financial advice. As I have explained it was not inevitable that Kowalczuk would default. The interest had been paid in advance and it was intended the borrowing be refinanced.

    The FACTS
    If you falsify your LAFS & documents and give them to the lender you get what you deserve.

    COSl Mr Goodison : where we can establish a broker has knowingly misrepresented the consumer's financial position for the purposes of getting the loan and so obtaining a financial incentive.
    Senator WILLIAMS: Which is fraud.
    Mr Goodison : At best it is misleading or a misrepresentation. WTF!!!!

    The FACTS
    BULL S**T This is forging and uttering, which is FRAUD and also classed as unconscionable conduct in very recent judicial pronouncements

  • doyla66
    doyla66 Monday, 24 February 2014

    Saturday, 22 February 2014 comments
    I forgot to add;

    That the bank does owe a --- duty of care when advising on the loan products it offers
    A Bank must comply with Cl 25.1--- re being a prudent banker when lending money
    It should comply with its Lending Manual ---- to help prevent borrower fraud & in reverse helps prevents lender fraud
    Its Lending Manual ---- provides evidence of a prudent banker when lending its money

    Prudent Lending Practices means “generally accepted underwriting and lending practices for public loan programs, based on sound judgment to protect Federal and lender interests. Prudent Lending Practices include loan processing, documentation, loan approval, collections, servicing, administrative procedures, collateral protection and recovery actions.

    A growing judicial trend has arisen that frowns on asset based lending, tending towards a policy requirement that lenders take appropriate steps to ensure their loans will be serviceable.

    The Federal Court held that a lender can be found to have contributed to its loss if the lender has not made sufficient or adequate inquiries as to the borrower's ability to service the loan.

    Asset based lending by mortgagees may, depending upon the circumstances of the particular case, constitute unconscionable conduct entitling the mortgagor to set aside the mortgage instrument, where it was held that the mere fact that a loan is asset based is not of itself sufficient to make it unconscionable; something more is required to make the conduct of the lender morally repugnant. e.g. bankster altering of the LAF or computer inputted application financial data to obtain a approval = Fraud

    This brings into sharp focus the need for lenders to bear in mind that:
    If the lender has procedures in place to assess serviceability, they must adequately adhere to them.
    If the information provided to the lender by the borrower flags the need for further inquires, they must inquire further.
    A lender cannot solely rely on value of the asset for serviceability; it must form its own substantiated opinion.

    The basis on which the decision to lend was made needs careful investigation. An imprudent decision to lend can, absent fraud, substantially reduce damages on the basis that a lender contributed to its own loss for example by lending very high multiples of borrowers’ earnings. Ask the lender for a copy of its lending file, its lending manual and criteria which will assist in determining the basis of the decision to lend. Demand documents showing the extent of fraud training given to lending staff. The lender may initially be reluctant to disclose this information because the pressure on it will be reputational as well as financial, but the defendant is entitled to it during the disclosure process. This also applies at FOS & COSL.

  • doyla66
    doyla66 Saturday, 22 February 2014

    banking codes

    Why aren't we attacking FOS on breach of contract and failing to enforce the banking codes , trying to sell the calculator is going to be hard , the banks have a duty to lend prudently and the review board FOS are in breach of their own terms of reference by not having one for Banking and Finance -- i.e. to make sure borrower can afford the loan -- they are contractually bound to do this . I wasn't in Sydney but it seems the culprits might have escaped

  • doyla66
    doyla66 Saturday, 22 February 2014

    I noticed all you did Neil and how very different Senator Bishop in particular was re firing questions when it was Denise’s turn. Also noticed John Price & Phillip Field present and listening most intently when Denise was under the spotlight! As for Shane Tregellis and his remark re complex loans – OMG truer words have never been spoken! My summation is that ASIC & Co. are doing exactly what they are being paid to do which is to protect we know who and prevent all the very ugly truths from being exposed AND at any cost AND with all means available - i.e. the Mr. Fix-it brigade re all that went on under the ASIC watch! Just think back to who employed Greg Medcraft and read through his own words in the newspaper article in a previous blog by Denise on 18 January 2014 -
    “'I built a reputation for doing deals that other people thought were too hard,''
    ''I understand business, I understand markets - I'm really well equipped for this,''
    ''I want ASIC to be seen not just as a law-enforcement body but as focused on outcomes,''
    ''It's actually about getting things done, a bit of a can-do attitude and innovation,”
    ''Being a banker gave me enough law,''
    Not much media coverage that I can find either but I have downloaded the full 3 day transcript from the Senate site and saved it. The heading and opening paragraph from an article in The Australian dated 21 February 2014 by John Durie says it all I think ....... “ASIC boss Greg Medcraft is a master of playing the same card many times over to divert attention from what others may see as the key issue confronting him, which is regulatory credibility”

  • doyla66
    doyla66 Saturday, 22 February 2014


    Have a look at this two cases when time permits, Also the case Denise fought Tonto Homes Loans -- where the court discusses the bank duty as a prudent lender under banking code sect 25.1

    Mickovski v FOS 2012 vsca ( Vic Supreme Court Appeal
    Commonwealth Bank of Australia v Wales [2012] NSWSC 407.

  • doyla66
    doyla66 Saturday, 22 February 2014

    Seems to me its stupid calling stupid

    If you have all the relevant details and have had for some months in regard to the calculator and call the people that were conned by it stupid what does it make someone who has had it explained and still cant understand how the fraud was perpetrated. We the victims are not stupid we were quite simply CONNED by very smart organised crooks EXECUTIVES OF THE Major Banks who wanted their sting to look like they had done nothing wrong and could pass the blame to anyone bar themselves.
    It obviously has worked because some Senators cannot get their heads around how this was achieved and we are called the stupid ones, but we get it now thanks to denise teaching us.

    We are not that high and mighty that we will not listen to the one person who worked out what appears to be the worlds hardest puzzle. I was myself convinced that we had been done over by a very crooked broker and was pursuing him when I first met Denise, it took me 3/4 or 5 conversations with Denise before I got it through my thick head how all of this rort had gone down.

    I am not having a go at the Senators that cant understand this issue because it is complex and devious and really does require an open mind and a good set of ears for you to "GET IT". That is the catch cry and I reckon even the day it finally got through to me I think I said to Denise "OH NOW I GET IT" it finally twigged and Denise said to me you are not stupid you just didn't know what you were looking for. How true that is I doubt anybody would have worked it out without Denise's guidance because remember it was designed to not be found for 4-6 years if you "Got it" if you "didn't Get it" then never to be found out.

    The thing I find most interesting is how did we all as members end up with DENISE on her website and being members of the BFCSA has that question ever been posed to any Senator, Regulator, Politician or Police Department. No one is asking the most obvious of questions did we all just decide it would be nice to join an association," no we did not". We all ended up with Denise because we all had questions of how did we end up in this predicament we had all been through trying to get advice from consumer advice bureau's with non forthcoming then finally a person of knowledge, all by word of mouth. All parties (of consumer interest) should be sat down with Denise chairing the meeting and no one allowed to leave until they "Get it" only once they "Get it" can they truly give an opinion, just because you don't "Get it" does not mean it does not exist.
    Not one of us affected will ever get the right we deserve to have our cases heard if the people that preside over the decision do not understand what is being tabled in front of them, this case must stay open until it is truly understood. Why is it that there can not be a former High Court Judge or someone of that ilk allowed to sit down with Denise go through the bare facts of the case then when finally they have done their own research begin to investigate thoroughly what has taken place. Even if it does not get to be a full scale Royal Commission at least have it investigated and reviewed by the best qualified people to make an accurate finding. I cannot tolerate ignorance as a reason for not taking this important issue to where it deserves to go, there is enough evidence between all the effected members of BFCSA to make a solid case for investigation at the highest level. We are seeing right now where our economy is heading and its not a good picture being painted if in fact it is the banks that have perpetrated this crime on Aussie Mums and Dads then it will have shocking consequences. Without a real inquiry people will forever ask why were the banks not held to account when the evidence pointed to them and the politicians let them off the hook, it just would not look good.

  • doyla66
    doyla66 Saturday, 22 February 2014


    I think we all need to email all senetors and ask them to
    Find the time to fly to WA and meet with DB.
    They certainly didnt get the full story and need to be told.
    They also need to meet a few of us.....
    We have our homes on the line here.
    Start emailing members....
    This is urgent.......we will never give up

  • doyla66
    doyla66 Saturday, 22 February 2014


    Whistler.... so many excellent points.
    Please email the senetors.....
    Your right.....
    We are part of a club that we never wanted to be part of....
    We are a few only because the millions of others have NO idea.
    But we just happened to google the right words and found
    I tried for 12 months to get help..... and got ZIP
    I then googled the right words.....

  • doyla66
    doyla66 Saturday, 22 February 2014

    Senator Williams is the one who cares and spoke to most of us individually between sessions, he was very approachable, caring and humane but he is only one man. I was told by him any problems I have to go see his P.A Greg who was there, Greg gave me his contact details and said contact him. I explained to Senator Williams most BFCSA members have written most politicians from the P.M. down and got no reply back, he stated not this politician and if you want to contact someone else in parliament to go through him and he will make sure he gets it.I have already emailed his P.A. last night to say the Senators must meet Denise one on one so she can fully explain everything from the Service calculator through to the banksters involvement, Denise has told all of ASIC and its EDR's how it all works, the Senators must be privy to the same information. I sent a copy of the email to Senator Williams to the ABC reporter who interviewed BFCSA members over the two days of the hearings, he wants to be kept informed of what's going on and spoke to us and listened to our stories after the Senate meetings were over. He had come to interview Denise but just missed her as her time slot to talk was moved forward and shortened and no one officially had told the ABC reporter Andrew Robertson the Business on ABC24 of the amended times, the media will be the one to advertise our plight and bring pressure to bare on the government who don't want to upset the banks as they are depending on them and big business to bail the country out and lead the recovery. We in most cases did not go looking for the banksters and brokers they sought us out deliberately. If nothing is changed for the better and we are not listened to there will be chances to go on public display for the worlds media to see Joe hockey has idea's how to fix the world economy but can't fix the problems that fall directly under his control, let's see if the former bankster lawyer laughs this off.

  • doyla66
    doyla66 Sunday, 23 February 2014

    Neil, in the past i have always written to Sen. Williams. Are you saying that he prefers for us to write to his PA Greg? and if so what are his contact details?

  • doyla66
    doyla66 Sunday, 23 February 2014

    Very well put Whistler. It would be an idea to send your views to Sen. Williams if you haven't already done so. I am writing mine now and will send today.
    Everything you have written is so spot on. I am most annoyed at Sen. Bishop's reluctance to allow Denise to talk further.
    According to my observations, throughout the whole 3 days proceedings Denise was the only one to be cut abruptly short. (something not right there)
    She should be given unlimited time to get her message across until they finally get it.
    Yes it is crucial that Denise and the Senators meet and talk. S. Williams gets it so now it's up to the others.

  • doyla66
    doyla66 Sunday, 23 February 2014

    Ali, even though Senator Williams referred us to his P.A. Greg that was for those at the Senate meeting because of time restraints, he has excellent staff and as he personally stated to me that if it is addressed to him he will read it and if its for someone else in parliament he will make sure its forwarded onto them via the parliamentary mechanisms whereby political protocol dictates they must respond to a fellow ministers request.

  • doyla66
    doyla66 Sunday, 23 February 2014

    Senator Williams is more in tune with what we are going through. Senator Bishop kept referring to the number of submissions where figures were altered on loan contracts but didn't give Denise the time she needed to explain it fully. Seeing Senator Bishop is based in W.A. the same as Denise he should talk to her and some of the BFCSA members over there. We have to work quick on this as the Senators are calling for more witnesses to appear in about four weeks before the Inquiry. So all members I think we should email Senators Bishop, Bushby and Dastyari asking them to give Denise a second chance to explain everything and maybe in a situation without time restraints.

  • doyla66
    doyla66 Sunday, 23 February 2014


    I just sent off email to willisms.
    Should i send to the onesu just mentioned
    I put my entire story plus more.
    Any baby yet?
    Hows your mum?

  • doyla66
    doyla66 Sunday, 23 February 2014


    The big 4 bank CEOs should be questoned.
    By the senetors!!!!!!
    Then the police.....
    Then charged and locked up for life.

  • doyla66
    doyla66 Sunday, 23 February 2014

    Gfs, Senator Williams is a good man and listens, when a BFCSA member Michelle a single mum of three, who didn't know Senator Williams went for a smoke before proceedings commenced on the second day, he asked what are you doing here and then she gave him the whole story about her dealings with FOS, he took it all on board. Send your story to the other Senators and also ask them to talk to Denise again. My mum has stabilised and until this morning was nil by mouth for fluids but will gradually be introduced to some today, our poor daughter has been ready to have the baby a fortnight ago as the babies head is in position but alas no baby as yet, thank you for asking. Finally when the Senators staff check their emails tomorrow their in boxes are full of requests from our members to talk to Denise again. Llike I stated earlier I have already emailed Senator Williams and sent a copy to ABC reporter Andrew Robertson because he spoke to us after the hearings and wants to be kept informed of our progress, I hope that covers everything Gfs and while we are all still fighting there is hope.

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