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What BFCSA Does...

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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To all mortgage brokers, BDMs and loan approval officers! 
Pls Call Denise: 0401 642 344 

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Lighten your load today and "Laugh all the way to the bank!"


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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These Jokers own world debt because they created it.  Now the Mega Bankers are buying up every drop of water................................So we stay thirsty slaves to the Bankers?  Well that's the idea.  This email address is being protected from spambots. You need JavaScript enabled to view it. The New “Water Barons”: Wall Street Mega-Banks are Buying up the World’s Water By Jo-Shing Yang Global Research, May 22, 2014 Url of this article: This article was first published on December 21, 2012 A disturbing trend in the water sector is accelerating worldwide. The new “water barons” — the Wall Street banks and elitist multibillionaires — are buying up water all over the world at unprecedented pace. Familiar mega-banks and investing powerhouses such as Goldman Sachs, JP Morgan Chase, Citigroup, UBS, Deutsche Bank, Credit Suisse, Macquarie Bank, Barclays Bank, the Blackstone Group, Allianz, and HSBC Bank, among others, are consolidating their control over water. Wealthy tycoons such as T. Boone Pickens, former President George H.W....
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This is the link and thank you for support as this is sorely needed and long overdue  CONSUMERS ARE FIGHTING BACK...................Please SEND to everyone you know with Twitter and Facebook Banks fudging income figures using a Banker Engineered tool known as a Serviceability Calculator Not phoning clients to verify income - it is a set up. Please speak out re your loss re Debenture Scams or Banking Products such as Low Doc UNVERIFIED Mortgage LOANS Ask us how to extinguish Credit Card loans attached to Mortgages.   This email address is being protected from spambots. You need JavaScript enabled to view it....
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Loan serviceability buffers questioned Friday, 12 September 2014 James Mitchell   A new report has raised concerns that the loan serviceability buffers of Australian banks are too low for borrowers to withstand rate rises.  Interest rate buffers are used to assess a borrower’s ability to meet mortgage repayments in the event of a rate rise. The JP Morgan Australian Mortgage Industry report singled out Westpac as an example of a lender with a buffer rate of 6.8 per cent, just under two per cent above the current rate of repayment on a standard mortgage.  “That serviceability buffer is actually around the 10-year average mortgage rate,” JP Morgan banking analyst Scott Manning said. “If you are assessing buffer ability on averages, rather than stressed scenarios, we question whether that is sufficient and we think maybe the three per cent buffer that the UK is proposing actually makes a bit of sense,”...
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I'm 70, 3 years retired. 15 years ago I owned my own home and was a typical target for banks as a ARIP (asset rich income poor). I wanted to retire comfortably and fell for the ploy, "Why not use your home to generate more income?" By 2008 I had 5 investment properties on interest-only loans with a combined value of approx. $2m. The monthly loan costs were prohibitive; I was living frugally to save as much from my salary as possible to help cover the shortfall, but needing to use an extra line-of-credit, so "thoughtfully" pushed my way by the bank. The debt was rising and all the time I was assuming house prices would keep me afloat. During 2008 I realised how serious my mistake was.  After selling two properties at a loss and two more involving capital gains tax, I still have my own home, thankfully, and one,...
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  • ire
    ire says #
    Time 4 Justice, I totally agree, the greed must be stopped.
  • Time 4 Justice
    Time 4 Justice says #
    It's such a common theme where the bank generated a false income figure on the LAF. I am truly stunned by just how many people lik
  • setup
    setup says #
    We make the effort to become self-sufficient by investing and becoming less of a burden on our Government in our later years, and
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