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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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Last Stand ! Medcraft on Senate stand as we Standby to stop our eviction by banksters

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 Hi members,

Just like to say how disappointed I am that I can't be in Sydney this week to see Mr. Greg Medcraft squirm in his chair as he tries to remember the lies and corruption  he has to cover up when answering the Senates questions.

As this is all going on I am in the last week of trying to save myself from being evicted and losing my home.To get your loan frozen even when someone has been charged with some of the fraud on my loan is costly and almost impossible to achieve.  I will know by next week.

The real culprits in this fraud have so far escaped prosecution and have passed the buck down the line.

I can only hope and pray that the Senators listen to Denise as facts and figures don`t lie and they freeze all these TOXIC loans so we can at least have them all looked into. If not more people are going to be tossed out onto the streets and lose everything they have as these CORRUPT and GREEDY BANKSTERS get richer.

The Government needs to man up and take control of this situation and see it for what it is. This country is heading into a bad future if this is brushed under the carpet ,it is already starting to happen ,the government only have to open their eyes and ears and listen to the people this is happening to, then and only then will they get the real truth .  I hope they have plenty of time as the list is growing daily as every day people start to look into their home loans.

Good luck to Denise and the members who are in Sydney ,I hope you make your voices heard for all our sake!  Neil T

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  • doyla66
    doyla66 Thursday, 20 February 2014

    Gfs246 have crossed my mind this week.
    I know you are at a very critical stage.
    I wish i was in sydney aswell....
    But with 2 young children, i just couldnt.
    I agree.....Freeze the toxic loans......
    Why should we make payments on products we could
    never afford?
    Freeze the lot
    Bring the banks down
    I am praying you keep your home.
    We have a good chance with DB on our side.

  • doyla66
    doyla66 Thursday, 20 February 2014

    Denise made a very pertinent point,in her interview,
    If their are only 1200 toxic loans out there and we can all be accounted for then why on earth don't the banks admit their wrongdoing,apologise,put everyone back into the position they were before we ever met the spruikers,financial planners,brokers or bankers.
    Wouldn't even put a dent in their huge profits.
    Can't see it happening,integrity and honesty are not in their vocabulary.
    Nanna,my thoughts are with you and your family,good luck hope all goes well.

  • doyla66
    doyla66 Thursday, 20 February 2014

    Good Luck Grandma. I hope you get to keep your home. You are in the position we were some eight months ago. The Sheriff was a really nice guy and he phoned me to make sure we were OK after we had been escorted off. He said we left our home with dignity. Didn't feel like it though, the pain was unbearable but here we are months later. The sadness is still there and we are still fighting on. We were ripped by Nab and their fraudster system.

  • doyla66
    doyla66 Thursday, 20 February 2014

    FOS and COSL lied to Parliamant today.
    Re broker: They said that if the broker falsified the LAF the broker in a case cited had to pay 80% of the sum awarded to the complainant, but that was 80% of the benefit the broker got and of some interest adjustment they may have granted.
    They said more than 80% of disputes were settled by agreement.
    When questioned by BFCSA members afterwards in the corridor, Tregalis said that was more for other claims, not complex loans.
    They did not speak to their new determination process with no appeal possible. This did not come up at all.
    They did say they do not set aside loans.
    FOS is putting us through hell, wanting totally irrelevant financial information about us only to determine that maybe you can get 3000 or so off your loan after 1.5 years. The whole thing is a gigantic farce.

  • doyla66
    doyla66 Thursday, 20 February 2014

    Did Denise get her hour in? i'm pretty sure it was cut short. I was disappointed that Sen. Bishop cut her off before she had finished. She no doubt had more to say but i was pleased that she got some very important points across. Well done takes courage to do this. The Senator made a point to say "The person going for the loan must have wanted it" and i say "yes that's true but does this give the bank the right to tamper and increase the income figures and alter employment details making the borrower homeless. "Fraudulent manipulation of documents must render the loan invalid Senator" I think Denise and the Senators need to meet and sit down privately to have a talk maybe take along a few of the worst cases like Nanna, Grandma and Susan and let them tell their story.
    Good luck Grandma...thinking of you and hoping you can save your home.

  • doyla66
    doyla66 Thursday, 20 February 2014


    Agree.... DB should meet with the senators....quickly

  • doyla66
    doyla66 Thursday, 20 February 2014

    My observation is that Denise got across the issue of the service calculator. The Senators seemed surprised by that info, although Senator Williams had stated earlier a case where he was told the computer approved the loan.

    Other important issues did not come up. Questions were targeted to what the Senators knew and wanted to clarify more. They have a lot on their plate and don't seem to know they are being lied to. Hopefully they have read Denise's excellent submission, which covers all issues except the new determination process.

    DB says she can add in the introduction

  • doyla66
    doyla66 Thursday, 20 February 2014

    I think Sen Williams knows much more than the others as he has been in constant contact with Denise for quite some time and i have observed that he does not like Greggie and knows he lies just like the others. S. Williams detests any kind of injustice.

  • doyla66
    doyla66 Thursday, 20 February 2014


    Ali......surely senator Williams will share with the other senators
    These are very intelligent men.......
    We need some sort of hope.
    So hard to tell what will come of it all.

  • doyla66
    doyla66 Thursday, 20 February 2014

    Any idea when the transcripts will be available?
    I did tape it but dads want to listen to it again at his place in peace and quiet without my kids around.

  • doyla66
    doyla66 Thursday, 20 February 2014

    Yes Gfs i would expect there will probably be a round table discussion following these 3 days proceedings so that everybody is well informed and understands how the crime was implemented. The Senators will probably compare notes and if they feel there is a strong case which justifies being presented before Parliament, then that will be another positive step toward ultimate victory. This is just my view.

  • doyla66
    doyla66 Monday, 24 February 2014


    Thanks to all of you who made it to the enquiry to support the amazing Denise..and thanks for updates which are sometimes so painful to read..I got upset reading my own blogged story of our life after fraud and lies let alone all of yours.Hope all well grandma...sent some requests to heaven for you..I am a frequent visitor with my own !!Take care all and keep that hope at the front of your minds xxx

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