The intention behind swimming pool designs is to create an evenness between function and aesthetics. The backyard pool is not just for the intention of enjoyment it should increase the value of the property and have an impressive look.
Why Employ a swimming pool designer? When you first begin to consider your backyard pool, you will want to be sure that you have a pool design that is the proper pool design prior to choosing your pool builder. When you employ a pool builder from the designing stage, you are ensured that the finished pool will fit nicely with the surroundings and be a useful and attractive pool. The design of your swimming pool will have to comply with council regulations, which the swimming pool builder will ensure. What Will the Designer Do? A swimming pool designer has expertise knowledge of aesthetics and space which they use to determine the best area for the swimming pool and determine the design and style that will best suit the area. What are the Benefits of Having a Swimming Pool Designer When you employ a knowledgeable designer for your swimming pool, they are aware of the positioning of the pool, and you are assured that the best location will be selected. The swimming pool designer will make sure that the pool compliments the home and garden. The swimming pool designer also realizes the importance of the look of the pool in reference to entertaining and incorporating it with the landscape. Once the swimming pool designer creates a design that is unique for your yard, then you will be able to move forward with pool builders. The swimming pool designer may have pool builders that they work closely with that will help you to compare costs and builders. Often, the swimming pool designers work closely with pool builders to ensure the success of the project. Having the Design of Your Swimming Pool Approved by Council Once the swimming pool design is complete, the design plans will then need to be taken to your local council to be approved. Prior to the plan approval, a Council Development Application will need to be filled out. The swimming pool designer will / should complete this task for you, as it is very cumbersome and quite difficult. Swimming Pool Material and Finishes Selection Another advantage of the swimming pool designers is that they are able to customize specific materials and finishes for your swimming pool. They will also be able to tailor items for your surrounding landscape that suits the exterior of your home and existing landscape in the most impressive manner. A good swimming pool designer will have a showroom which offers a variety of pool tiles, coping, pool and timbers interior finishes samples which can be customized to work in with your surroundings and budget. A swimming pool designer is definitely a means to ensure that you have the best suited design in a swimming pool that will enhance the exterior of your home and your existing landscape and will be within code, as well as, increase the value of your property.
When it comes to the Removal of scars caused from acne, it needs to be solved as two separate issues. One issue would be to focus mainly on removing the scars that you already have. Secondly and more importantly, your solution needs to focus on stopping the cause of your Severe Acne and prevent any future Scarring. You must get control of your skin health before your skin will start improving.
I will not lie to you, treating Severe Acne and Scarring can be quite hard, it can be a long process and can be quite expensive. I know it seems like a lost cause or almost impossible, but it can be done, you do have options you can use so do not give up.
Your Lifestyle and Happiness can suffer greatly from the negative effects of having bad Acne Scarring and it will only get worse. No one else can do it for you, only you can decide if you want to be happier and have good clean skin.
Severe Acne and Scarring can seriously affect an individual and ruin the quality of their lifestyle, the complex of having bad skin and lack of confidence can have a huge impact on the happiness and self esteem of any person. Severe conditions of acne can improve and be eradicated quite easily with the right treatment for you and your condition. Leaving it too long will reduce your chance of success and you will be permanently Scarred.
Mild to Moderate Scarring can be easily treated using most of the Acne Scar Removal options available to you online or over the counter to use in your home. Getting advice and finding the right solution for you and making a serious commitment to improve your skin is vital.
If Severe Acne it is left untreated, you will definitely end up with Acne Scarring. Once your skin’s acne condition has progressed to this stage and you do not treat it, the condition CAN and WILL cause disfiguring scars which can become permanent.
Damage to your skin from Severe Acne must be treated regularly or treated correctly, or the long term damage to the surface of your skin and the underlying layers can be extensive. This can cause Hyper-Pigmentation in your skin resulting in highly visible thick raised scars, pitted skin and deep indentations in your facial skin.
If you have tried to treat your acne without success or you are having trouble controlling your condition, the right approach is necessary to be successful. Every person is different and may need a solution or approach to focus on their individual needs to control their Acne and prevent Acne Scarring.
If you are truly concerned about your acne condition or existing scarring and want to improve your skin, the first thing “You Must Do” is go see a Skin Specialist or a Dermatologist to establish how severe your condition is and get advice and help. No matter what you need to do to improve your skin, you will need to get control of your skin health and follow an Acne Treatment Regime.
Please DO NOT let your Acne condition progress to the point where it becomes a problem and causes Acne Scarring, you will regret it. Having Severe Acne and Scars will lower your self-esteem, cause you stress, affect your enjoyment of life and limit your Social Life. All of this can be reversed by doing something as SIMPLE as treating your Acne and looking after your skin.
You can effectively and easily treat it with the correct solution for your condition and a commitment from you to improve your skin. What is it that you are waiting for, permanent Acne Scarring? No one else can do it for you!
If you are ready to start treating your Severe Acne and find a Scar Removal solution now, you can go to the link below to learn more about some of the options available to you concerning “Acne Scar Removal”!
About the Author: I suffered from Acne for many years and it did not help my confidence and self esteem one little bit, I wish I knew then what I know now. Anyone can get “Good Clean Skin” if they truly want to, no matter how bad You think your Acne Scarring is. So Don’t give up! * For More Help and Advice on how to Treat Acne Scarring you can go to:
Commodities trading strategies help you to decide when to sell or buy commodities. It is desirable to know about some strategies that are deployed by successful traders of commodities trading. While reading financial newsletters you may come across tips that will keep you updated. A well thought out strategy lets you know when to sell or buy to maximize profit and limit losses. Market fundamentals and technical analysis form the basis of strategies for commodities trading. Depending on personal objectives and requirements a trader may select appropriate strategy for commodities trading.
Commodities trading strategies are primarily two types:
Range Trading
Trading within a range means buying a commodity near the bottom of a range and selling it at the high point of range.
Bottom point is called “support” and the high point is called “resistance”.
Whenever any commodity has experienced a lot of selling in the market it hovers around the bottom of the support range. In such situations the commodity is said to be ‘oversold’.
On the contrary, a commodity may be experiencing frenzied buying to reach near the resistance level. At this point the commodity is said to be ‘overbought’.
Commodities trading strategy recommends you to “sell” a commodity that has reached the resistance and “buy” a commodity when it is around the “support”.
Support and resistance level of various ranges of a commodity are determined by various tools of technical analysis. There are different indicators that help to measure at what level a commodity is overbought or oversold. These indicators are Rate of Change, RSI, Stochastics and so on.
However, such strategy works well when there is no major trend in the market. In case the market gets oversold or overbought and a major downturn or uptrend is formed, this strategy should be employed with utmost caution.
Trading Breakouts
When a commodity breaks a particular resistance level and makes a new high, the commodities trading strategy recommends buying it.
Similarly when a commodity breaks the support level and hits a low then selling is advised.
New low and high of a commodity can be easily spotted from the technical charts. The peak of the curve denotes high and the low point indicates new low.
The commodities trading strategies follow a simple logic – market always forms new highs and lows. However, this is ideal when the commodity has a strong trend. When there is no definite trend this strategy is not very effective.
Other than these two types there is one strategy for experienced traders:
Trading on Fundamentals
Buying or selling of a commodity within a range or after positive or negative breakouts is supported by various technical parameters. Commodities trading is based on market fundamentals which are easily understood by experienced traders who have developed an instinct for trading. An experienced commodity trader may buy sugar futures on knowing that the production of sugarcane at Brazil has been low. In anticipation of the Gulf War an experienced trader may buy futures of crude oil. A new trader of commodities trading may be baffled with nuances of such strategy as there is no defined zone to buy or sell.
So, today is game day and you have been looking forward to this all week long. As you sit down and start watching the television they make an announcement that another rule has changed and you are trying to understand just what they are doing. We all know that the football sport is supposed to have some sort of roughness but it seems that every time we turn around that the rules are changing to protect the players to keep any of them from getting hurt. This is great but it can disrupt the game and change the field.
One of the things that you may want to do is to keep track of the updates that are being made each and every month so you will understand what is going on. If you are not aware of a rule that has been changed and you are watching the game, it is possible that you may think a point should have been scored in the football sport that you are watching when in fact it had changed. This seems to happen all the time and you do not want to be one of the fans missing out.
It is also possible that you are looking for shirts and other items that would show your support for your favorite team as well. This is very easy to do if you look on the internet it can be very easy to shop for things that you may not be able to find in the store. The football sport is very competitive and it can get crazy especially around the championship games. Even though the teams are fighting for the win, the fans are fighting for the win of their favorite team and they can get vicious at times.
This is a game that has fans all over the world even though it is played differently depending upon where you live. It seems as though everyone has a favorite team as well and they are going to support their team whether they are going to the games or they are purchasing things to wear. Of course there are many fans of the football sport that do both and even have season tickets to all of the home games that they are going to play. Keep an eye on the schedule if you do not have tickets to see if you can purchase one cheap.
You are going to find that this is a game that has been around for many years and it is going to stay around for a long time to come. Although the rules seem to change on a regular basis, as long as you keep yourself up to date you will not miss out on anything in being able to understand the game. The football sport is something that appeals to everyone both men and women young and old so join in with the fun and go to a game at least once in a lifetime. You may enjoy yourself.
If you need some more ideas about sports and football, please take a look at
A tax lien attaches to property and is used by the government to ensure that they are paid any taxes that they are owed. It attaches to real estate as well as personal property you own now or acquire in the future. It ensures that you pay any taxes that you owe. The result of this action on your property can have a devastating effect on all aspects of your life.
The property or home on which you are paying your monthly mortgage payment effectively becomes the property of the government when a lien is placed on it. You will not be able to sell or refinance your mortgage without paying the taxes that are owed. You may also be forced to sell your home to pay off the taxes and end up without the home that you have worked for your entire life. This is the cause of a great deal of distress for folks who are facing difficulties with the IRS or state authorities.
There are ways to have a tax lien lifted on your property, but you will have to work with the Internal Revenue Service to negotiate this agreement. A good Enrolled Agent, CPA or tax attorney can help you remove the liens on your property and allow you to begin to pay back the money that is owed. The government, at times, makes it virtually impossible for a home owner or taxpayer to straighten out their delinquent taxes without facing devastating consequences. Having an expert on your side can help you find the solutions that will work for you and your family.
A tax lien may only be the start of the actions that the IRS takes against you. The government can also levy your paycheck, Social Security or retirement check and bank accounts making it difficult for you to support your family or ever pay back the debt that you have accumulated. This is where a representative will be able to negotiate a deal for you with the government that allows you to repay the money that you owe in a way that still allows you to live your life.
A good Enrolled Agent, CPA or tax attorney may be able to work out an Offer in Compromise settlement with the government that could allow you to pay back only a fraction of your tax debt. There are many options that are not familiar to the general public that you can use to get the relief that you need. The government is not eager for you to learn of these methods, but there are tax representatives and attorneys available that will be able to assist you in finding the right financial solution to your tax problems.
Many people have faced devastating consequences of having a tax lien placed against their property. If you take the time to find the right representative for your case, you will be able to have this claim lifted and your property back in your hands once again. Dont try to handle the IRS on your own. There are many Enrolled Agents, CPAs and attorneys that are ready and able to help you today when you choose the right representative.
About the Author: No matter where you live in the US, I can negotiate with the IRS for you. You can get your life back. For more information on tax lien visit
Posted by Admin - April 4, 2023 - Posted in: Uncategorized - Permalink
Sunday, February 4, 2018
Thursday morning, at Salvador Castro Middle School in the Westlake District, Los Angeles (L.A.), California, US, four students were injured when a gun went off in a girl’s backpack, according to police. L.A. police took a suspect into custody, a twelve-year-old female student, and recovered the gun at the scene.
The four injured students were transported to a local hospital. A fifteen-year-old boy suffered a gunshot wound to the head and was recovering according to a Los Angeles County-USC Medical Center spokesperson on Wednesday. A fifteen-year-old girl was shot in the wrist, and two other students were grazed. The girl and two other students were hospitalized for their injuries.
A 30-year-old staff member was also injured, but reports were unclear whether she was injured by gunfire.
Police officials charged the twelve-year-old girl with negligent discharge of a firearm and she was taken to a juvenile detention center. Police said they did not believe the shooting was intentional, but suspected the girl had the gun in her backpack and it fired off when the bag dropped on the ground.
The Westlake middle school is located near downtown L.A. and is located on the campus of Belmont High School and had an enrollment last year of 355 students.
Posted by Admin - April 4, 2023 - Posted in: Uncategorized - Permalink
Sunday, January 13, 2013
A Japan Airlines Boeing 787 Dreamliner sits idle on the tarmac at Boston’s Logan International Airport following a electrical fire on board. Image: Patrick Mannion.
The United States Federal Aviation Administration (FAA) ordered a review Friday into the design and manufacture of the Boeing 787 Dreamliner, following five incidents in five days involving the aircraft and two Japanese airlines.
On Monday, an electrical fire broke out aboard a Japan Airlines 787 at Boston’s Logan International Airport, when a battery pack which powers the auxiliary power unit, for when the plane is on the ground, caught fire. The fire was discovered by maintenance workers after passengers and crew disembarked following their flight from Tokyo’s Narita Airport.
The next day, a separate Japan Airlines 787, also at Logan International Airport, heading to Tokyo, suffered a fuel leak that spilled around 40 gallons, which was spotted by the crew of the aircraft taxiing behind them. “That Japan Air may know it, but they’ve got fuel or something spilling out the outboard left wing. Quite a bit,” said the pilot of aircraft behind them on local air traffic control frequencies.
Wednesday, in Japan, an All Nippon Airways 787, the launch customer for the aircraft, cancelled a flight after a brake problem was reported.
Earlier Friday, two All Nippon Airways suffered separate incidents in Japan. An oil leak was noticed in the engine after one aircraft had landed in Miyazaki, coming from Tokyo’s Haneda Airport. Another flight, flying between Haneda Airport and Matsuyama said the pilot’s side window in the cockpit suffered a crack.
The FAA in a statement said “In light of a series of recent events, the FAA will conduct a comprehensive review of the Boeing 787 critical systems, including the design, manufacture and assembly.” Further adding, “The purpose of the review is to validate the work conducted during the certification process and further ensure that the aircraft meets the FAA’s high level of safety.”
According to the statement, “The review will also examine how the electrical and mechanical systems interact with each other.” The Boeing 787 relies more on electrical, as opposed to mechanical, systems than past aircraft from the manufacturer including having electronics operate hydraulic pumps and using electric brakes. Large portions of the plane’s structure use lightweight carbon fiber composite instead of more traditional metal airframe.
U.S. Transportation Secretary Ray LaHood said, “The safety of the traveling public is our top priority […] This review will help us look at the root causes and do everything we can to safeguard against similar events in the future.”
“We are confident that the aircraft is safe. But we need to have a complete understanding of what is happening,” said newly sworn-in FAA Administrator Michael P. Huerta. “We are conducting the review to further ensure that the aircraft meets our high safety standards.”
Boeing released a statement saying, “[The company] is confident in the design and performance of the 787. It is a safe and efficient airplane. The airplane has logged 50,000 hours of flight and there are more than 150 flights occurring daily.”
Posted by Admin - April 3, 2023 - Posted in: Uncategorized - Permalink
Saturday, February 3, 2007
Hrant Dink, a Turkish-Armenian journalist, was assassinatedPlacards held in Dink’s funeral reading “We are all Hrant Dink” and “We are all Armenian” in Turkish, Kurdish and Armenian. These placards were later protested by MHP and CHP, two major Turkish political parties, as well as by a militant who hijacked a ferry to protest the placards.
According to news reports from Turkey, a number of the members of the Turkish security forces, though unofficially, are treating Ogün Samast, the assassin of Hrant Dink as if he were a national hero.
For instance, after being taken into custody, Samast was filmed shoulder to shoulder with the Turkish police, in front of a Turkish flag and a quote from Turkey’s founder Atatürk: “The nation’s land is sacred. It cannot be left to fate.”
On January 24th, Ogün Samast was transferred to the Bayrampa?a prison, Istanbul’s largest prison. Before the transfer, inmates from a section of the prison were temporarily moved to another section, which, as a result, housed more than 100 inmates, 80 more than its maximum capacity. Then, the now-vacant section, often subject to inmates’ complaints regarding bedbugs, was cleaned and disinfected. Finally, the walls were painted, a brand new cotton bed was put in, and red carpet was laid out on the floors of the section.
When Samast was brought to the Bayrampa?a Prison, inmates witnessed that he was welcomed with cheers and applause by the jail management, soldiers, and the guards. Witnesses also report that Samast was given two guards to serve him. He ate kebab, a luxury food compared to the food given to other inmates.
After four days, Samast was transferred to the Kand?ra F-type Prison.
Ultra-nationalist elements of the Turkish society seem to have penetrated into the Turkish security forces. These events resulted major Turkish newspapers such as Sabah, Radikal, and Vatan to accuse the Turkish security forces and the Turkish state of supporting, endorsing, and cooperating with the killers of the journalist.
A 52 year old Turkish-Armenian journalist, Hrant Dink was assassinated in front of the Agos newspaper office, at the Istanbul district of Osmanbey, where he worked as the editor and a journalist. Dink, a brave journalist who was not afraid to discuss one of Turkey’s most controversial issues, clearly called what happened to Armenians in 1915 when the land was being governed by the Ottoman Empire the Armenian Genocide.
Following her father’s assassination, Dink’s daughter, referring to the fascist obsession with pure blood, said:
They shot my father. Is their blood purer now? They were afraid to face him, they shot him in the back.
Large numbers of people marched protesting the killing of Hrant Dink on the day of his funeral, carrying placards that read “We are all Armenian” and “We are all Hrant Dink”.
Travel exposes you to a variety of risks and buying travel insurance can relieve you of the anxieties that can spoil the fun of travel or distract you from your focus. A typical insurance policy would primarily cover you for the most common risks associated with a travel which include lost or delayed baggage, medical emergencies, trip cancellation or interruption, lost passport, repatriation of remains, personal liability, and accident and provide you with cash in case of emergencies.
The needs of travelers vary and no single policy can entirely cover the unique risks that each traveler is exposed to. A 70 year old man is exposed to a different set of risks than a 30 year old man. A person traveling for adventure is exposed to an altogether different set of risks, when compared to a business traveler. A student traveling for education related purposes would need a different sort of risk coverage. Hence, it is essential that when you opt for a, make sure you get adequate cover for the risks that you are most exposed to either because of your age, purpose of travel, duration of stay or your travel destination
Buying an insurance policy as per your need is a prudent decision, because you save on what you do not need and you spend on what you really need. Like if you are a young guy and medically fit, it is appropriate for you to buy a policy that gives you the minimal protection against medical emergencies, while you can look forward to have additional coverage against a risk that you feel is specific to your travel purpose. A travel intended for adventure would require you to be specifically covered for the associated risks, as your normal policy is in most likelihood not going to cover those.
If you are a frequent traveler and need to make trips every two months, it makes sense for you to have a single policy that provides multi-trip coverage. This will not only save you from the procedural hassles of buying it every time you travel, but will also cost you much less.
If you would be traveling abroad as a student, your medical coverage needs are likely to be more comprehensive than that of a normal business traveler or a tourist, hence you would need an insurance policy that give you the right protection. Such travel policies not only cover the general risks of travel, but also the unique risks that you would be exposed to as a student.
The travel insurance space in India has significantly evolved and companies offer tailor made or what you call custom designed policies. These policies ensure that you pay for only what you need.
Compare travel insurance online
Once you have made up your mind on what is your insurance need, log on to a trusted insurance comparison website to compare different travel insurance policies. Choose the best insurance plan that offers you coverage as per your need and is also competitively priced.
Compare and buy Travel insurance, Visitor insurance, family Travel insurance, Student Travel insurance from different leading company in India at Easypolicy.com.
Posted by Admin - April 2, 2023 - Posted in: Uncategorized - Permalink
Thursday, October 3, 2013
A review this week by Wikinews of US Consumer Financial Protection Bureau (CFPB) complaints about mortgages in the United States shows Bank of America leads all lending institutions in complaints.
Since mortgages complaints were recorded in December 2011, 77,622 total have been added to CFPB’s database. 29.2% of these complaints involved Bank of America, with the second most received by Wells Fargo, accounting for 15.5% of all complaints. JPMorgan Chase ranked third by volume of complaints with 9.8%. Ocwen was fourth with 8.7% and Citibank was fifth with 4.8%. Nationstar Mortgage; Green Tree Servicing, LLC; HSBC; PNC Bank; U.S. Bancorp; OneWest Bank; SunTrust Bank; Flagstar Bank; and Select Portfolio Servicing, Inc. each had between 1.0 and 3.8% of total complaints. The remaining 14.4% of all complaints about consumer mortgages were divided between about 530 other lending institutions.
The Motley Fool reported last month that for the past fiscal quarter, the biggest US based mortgage lenders were from first to fifth Wells Fargo, JPMorgan Chase, Bank of America, Quicken Loans and U.S. Bancorp.
According to the US Federal Reserve, debt for family residences stands at US$10.706 trillion for the second quarter of 2013. As of the end of June of this year, Bank of America is the United States’s second largest commercial bank with US$1.343 trillion in domestic assets. Wells Fargo is the fourth largest commercial bank with US$1.251 trillion in domestic assets. JPMorgan Chase is the largest US commercial bank with US$1.329 trillion in domestic assets and US$1.947 trillion in total assets.
The mortgage complaints in the CFPB report include several subproducts. Conventional fixed mortgages account for 27.1% of all complaints. Conventional adjustable mortgages account for 10.0%. FHA mortgages account for 7.7% of all complaints. Home equity loans or lines of credit account for 3.8% of all complaints. VA mortgages are 1.4% of all complaints. Second mortgages and reverse mortgages each account for 0.6% of complaints. The remaining 48.7% of complaints are about other mortgages or other mortgage issues. A few years ago, FHA loans accounted for about 10% of all US mortgages while VA loans accounted for about 3%. Prime loans accounted for over 75% of the market and the rest were subprime mortgages.
Total complaints against mortgage companies by state Image: Laura Hale.
California leads all states by volume of complaints with 14768. It is followed by Florida, New York, Georgia and Texas. When complaints are divided by a state’s total population, New Hampshire leads. The state is followed by Washington D.C., Maryland, Georgia and Florida. Complaints do not correlate with national rankings for August’s foreclosure rate by state where Nevada topped the list, followed by Florida, Ohio, Maryland and Delaware.
Two zip codes account for over 1,000 total complaints between them. 565 complaints originated in the 48382 zip code, which is in Commerce Township, Michigan, located in suburban Detroit. 553 complaints originated in the 33071 zip code, in Coral Springs, Florida. According to real estate website Zillow, there are currently 1,033 properties in foreclosure in Coral Springs while Commerce Township only has 131 properties currently in foreclosure. Four other zip codes have 100 plus complaints originating from them. 91730, in Rancho Cucamonga, California, had 158 complaints. 33409, in West Palm Beach, Florida, had 132. 92626, in Costa Mesa, California, had 125 complaints. 92660, in Newport Beach, California, had 122 complaints. Respectively, the towns had 534, 1,068, 153, and 134 properties currently in foreclosure. These numbers are higher than for the cities of a few sampled zip codes where there was only one complaint, such as Gold Hill, Oregon which has 4 properties in foreclosure, and Decatur, Illinois which has 6 properties in foreclosure.
For the top 5 lenders by volume of complaints, the percentage of complaint types against them. Image: Laura Hale.
The CFPB categorizes complaints into six categories: “Loan modification, collection,foreclosure” or problems when a person is unable to pay; “Loan servicing, payments, escrow account” or problems with making a payment; “Application, originator, mortgage broker”; “Credit decision / Underwriting”; “Settlement process and costs”, and “Other”. The CFPB says the complaint types indicate consumers “appear to be driven by a desire to seek agreement with their companies on foreclosure alternatives. The complaints indicate that consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing, especially regarding document submission timeframes, payment trial periods, allocation of payments, treatment of income in eligibility calculations, and credit bureau reporting during the evaluation period.” Currently, 59.6% of all complaints against lenders deal with being unable to pay. 25.1% deal with problems in making a payment. 7.0% have to do with the application process.
Of the complaint-heavy zip codes, for 48382 in Commerce Township, Michigan, 98.9% of all complaints have to deal with being unable to pay. Accounting for 23.4% of all mortgage complaints in Commerce Township, 132 of the complaints for being unable to pay were made regarding Bank of America, accounting for 97.8% or all but 3 complaints against them from the zip. 121 of the Bank of America responses in Commerce Township were closed with explanation and 12 were closed with non-monetary relief. 33071 in Coral Springs is different, with 537 of the 553 complaints being categorized under other. Only 11 complaints relate to foreclosure and issues with being able to pay. 92626 in Costa Mesa, where 32% of the mortgage complaints were about Bank of America and 26.4% were about Wells Fargo, had 93.6% of its complaints dealing with being unable to pay. 5 total complaints dealt with payment issues and 3 dealt with applications.
Beyond regional variance in complaint types lodged, the top five mortgage lenders by volume of complaints all had being unable to pay as their top complaint category, ranging between 55.8% for Citibank and 69.4% for Bank of America. Problems with payment accounted for the second largest area of complaints, with Ocwen having the largest percentage of complaints at 31.9% and Bank of America having the smallest at 18.8%. Foreclosure was the top area of complaints for a number of other lending institutions including 1st Alliance Lending, OneWest Bank, Ally Bank, Banco Popular de Puerto Rico, Bank of the West, BMO Harris, BOK Financial Corp, Caliber Home Loans, Inc, Capital One, Deutsche Bank and EverBank.
By state complaints against mortgage lenders by monthImage: Laura Hale.
Nationally, complaints reached a high of 5,840 for January 2013, 1,107 more than the next highest month of April 2013. The total emerging for September is the second lowest since records were first kept in December 2011. On a state by state level, this pattern largely repeats with a major exception for Florida which saw a peak of 849 complaints in June 2012. Then, as now, Florida was one of the top five states in the nation in its foreclosure rate. The national January spike came as the Qualified Mortgage standard required by the The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 came into play. It required mortgage lenders to take steps to insure borrowers could repay their mortgages.
Bank of America’s complaint volume follows the national trend, with a spike in January 2013 with 1,925 total complaints. Unlike nationally, the next month by volume of complaints was February of this year with 1,598 complaints. Prior to that, the highest month was May 2012 with 1,418 complaints. The lowest volume of complaints is September this year with 334.
Wells Fargo matched national trends for volume of complaints by month, with the exception of the current month being the lowest on record for number of complaints with 197 compared to the next lowest month, December 2011, when they had 221. JPMorgan’s complaint volume by month spiked in January and March of this year with 504 complaints. April of this year was the next highest month with 493 complaints, edging out May of last year with 488 complaints. September this year is on track to be the lowest month by complaint volume.
The federal government shutdown is unlikely to impact the current mortgage situation in the United States directly for most consumers, though mortgage processing by the Federal Housing Administration could be slower, resulting in fewer mortgages processed.
