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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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FOS, accessibility and financial decision making by vulnerable consumers

Posted by on in Consumer Warnings
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FOS now recognise "mental illness" as a category on their application form.

Does this entitle complainants to additional assistance or other concessions during the dispute resolution process?

Should being a mental health client entitle complainant borrowers to demand better or more appropriate conduct from Bank staff - either during the dispute negotiation or even as a component of their complaint?

Should Banks and other lenders be disciplined by FOS for the impact of their conduct on the health and well being of disabled borrowers?

FOS Accessibility Guideline - (download)

FOS Helpful Links -

Mental Illness - search results -

It would be very interesting to know whether complainants are ticking the box for Mental Illness and if so how many ie what percentage. 

Also what does FOS define as Mental Illness - do complainants require proof from a medical practitioner? 



The following ABC Radio Program is a discussion on assistance with financial, legal and other decision making. If you have time its interesting as it touches on consumer questions like "how much should we or can we protect vulnerable adults from the consequences of their own financial decisions?"

Adult Guardianship: autonomy v protection


Monday 22 October 2012 9:05PM (view full episode)

How do you reconcile the right to autonomy with the need to protect those with impaired decision making capacity? This is the guardianship dilemma. Some argue guardianship is inconsistent with the UN Disability Convention. But a person with a disability may require a guardian to be appointed as a ‘substitute decision maker', for example, to protect a person with dementia from being fleeced by an unscrupulous caregiver. Paul Barclay speaks to a panel of experts at the Second World Congress on Adult Guardianship.


Guests :

Anita Smith
President of the Tasmanian Guardianship and Administration Board.
Chair of the Australian Guardianship and Administration Council.

Denzil Lush
Senior Judge of the Court of Protection, UK.
John Chesterman
Manager Policy & Education, Office of the Public Advocate.
Emeritus Professor Neil Rees
Former Chairperson of the Victorian Law Reform Commission
Oliver Lewis
Executive Director of the Mental Disability Advocacy Centre, Budapest, Hungary

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