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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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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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Subscribe to this list via RSS Blog posts tagged in Bigger Bubbles Emerging New G20 Rules: Cyprus-style Bail-ins to Take Deposits AND Pensions Posted on December 1, 2014 by Ellen Brown On the weekend of November 16th, the G20 leaders whisked into Brisbane, posed for their photo ops, approved some proposals, made a show of roundly disapproving of Russian President Vladimir Putin, and whisked out again. It was all so fast, they may not have known what they were endorsing when they rubber-stamped the Financial Stability Board’s “Adequacy of Loss-Absorbing Capacity of Global Systemically Important Banks in Resolution,” which completely changes the rules of banking. Russell Napier, writing in ZeroHedge, called it “the day money died.” In any case, it may have been the day deposits died as money. Unlike coins and paper bills, which cannot be written down or given a “haircut,” says Napier, deposits are now “just part of commercial banks’ capital structure.” That means they can be “bailed in”...
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You also need to read Bubble Economics 2014: Philip Soos and Paul D Egan  and Pages 621 - 660 Bubble Economics: Australian Land Speculation 1830 – 2013, has been published through the World Economics Association website, at RP Data shows Australian housing bubble out of control – RBA warns house prices ‘can fall and have fallen’ Written by admin on April 1, 2014 – 8:06 pm As widely feared, Chinese appetite for Sydney and Melbourne real estate has caused house prices to surge in Australia at the fastest pace since records started 18 years ago. According to data released today from RP Data, Sydney house prices have increased at an unsustainable 15.6 per cent year on year, followed by Melbourne at 11.6 per cent. Both Sydney and Melbourne left the rest of the country for dead and together, helped push up the combined capitals by 10.6 per cent. On...
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Continue reading APRA's inaction brings a housing crisis closer Callam Pickering 7 hours ago 30 June 2014   Is it time Australia took the plunge and introduced measures to slow household lending?   Given our similarity to both New Zealand and the United Kingdom -- from heritage, institutions and yes, housing -- it is time that we stopped being complacent and took steps to limit the potential fallout from a housing downturn.  Last week the Bank of England followed the lead of a range of other countries -- such as New Zealand and Canada -- and introduced measures which intervene in mortgage lending markets. Under the new rules, only 15 per cent of new home loans will be allowed to have loan-to-income ratios of more than 4.5 times (Will APRA follow in the BoE’s footsteps to reduce mortgage risk? June 27). This followed the Reserve Bank of New Zealand, which has already introduced...
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Big four dilemma looms but failure is not an option Georgia Wilkins April 18, 2014 ''This is not an unfair tax on our largest banking institutions' says Louise Petschler of COBA. Five-and-a-half years ago, amid the financial strife unleashed by the collapse of Lehman Brothers, the US government stepped in to bail out financial institutions across the US – deciding the risk of moral hazard was preferable to an even greater financial calamity. The outrage flowed from large sections of the US public – why should the apparent architects of the crisis be saved from their own mistakes? In Australia, amid mounting rumours of a run on a second-tier bank, the Rudd government moved quickly to guarantee all bank deposits up to $1 million. It was enough to stem any panic – and cost taxpayers nothing. The guarantee still stands for deposits up to $250,000. But it is not clear how...
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The Swiss Hunt for Yield lured investors into High RISK    The Swiss-based `bank of central banks’ said a hunt for yield was luring investors en masse into high-risk instruments, “a phenomenon reminiscent of exuberance prior to the global financial crisis”. This is happening just as the US Federal Reserve prepares to wind down stimulus and starts to drain dollar liquidity from global markets, an inflexion point that is fraught with danger and could go badly wrong. “This looks like to me like 2007 all over again, but even worse,” said William White, the BIS’s former chief economist, famous for flagging the wild behaviour in the debt markets before the global storm hit in 2008. “All the previous imbalances are still there. Total public and private debt levels are 30pc higher as a share of GDP in the advanced economies than they were then, and we have added a whole new...
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