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Monday, December 13, 2010

At least seventeen people were admitted to an Oxford hospital after a coach, operated by the Oxford Tube service, overturned while exiting the M40 motorway near Thame, Saturday evening. There were no other vehicles involved according to Thames Valley Police.

The incident took place at around 2300 GMT Saturday night at junction seven of the M40 near Milton Common, when a coach, belonging to the Oxford Tube service, overturned on a slip road. A police spokesperson stated “The exit slip at junction seven was closed, as well as the A329 in both directions either side of the M40. The coach is in the process of being recovered from the motorway.” The motorway itself remained open.

Sergeant Steve Blackburn of Thames Valley Police stated that “The vast majority [of passengers] were walking wounded or not injured at all and were released either at the scene or shortly after receiving some treatment.”

John Nixon from Oxfordshire Fire and Rescue noted that the coach was lying on its side on an embankment, stating that his crews’ priority had been to stabilise the coach. He added, “There were people laid on the side of the embankment, on the road, covered in space-type blankets to keep them warm”

Although there were no fatalities, five of the injured required surgery, which was undertaken at Oxford’s John Radcliffe hospital. Of the other admissions, a number were discharged by Sunday morning.

A spokesperson for the Oxford Tube was quoted by the BBC as stating that, “Safety is our absolute priority and our immediate thoughts are with those who have been injured in the accident.” They added, “We will be carrying out our own internal investigation and assisting the police in any way that we can with their inquiries into the accident.”

Police have already begun an investigation into the cause of the accident and have requested witnesses come forward.

Thursday, March 2, 2006

Buffalo, New York —In an unanimous vote, the City of Buffalo‘s Planning Board voted to table the Elmwood Village hotel Proposal, postponing voting on legislation for up to 30 days.

The Board said its decision was due to the lack of public involvement, saying that there have not been enough meetings.

The Elmwood Village Hotel is a proposed project by Savarino Construction Services Corporation and was designed by Karl Frizlen of The Frizlen Group. The hotel would be placed on Elmwood and Forest Avenues in Buffalo, New York. In order for the hotel to be built, at least five buildings, that include both businesses and residents, must be demolished.

The Forever Elmwood Corp. is a Buffalo-based non-profit organization founded in 1994. Justin Azzarella, the Executive Director for the organization voiced support for the proposal, stating: “I am here today to lend Forever Elmwood’s support the hotel project. Particularly, Forever Elmwood is encouraged by the fact that this building follows the more stringent Elmwood Village Design Guidelines. We have been speaking with Savarino Construction, and they have promised us [Forever Elmwood] that they will engage the community further, including the surrounding Block Clubs and businesses. For that reason, while Forever Elmwood is in support of this project and the type of project that it is, we are asking also that the project be tabled so that the community can be further engaged. Specifically the surrounding Block clubs which include the Granger, Claremont, Asland and The Lincoln Parkway Block Clubs.”

“Because of the excellent work that Karl does and the game plan that they have, I think its an ideal use of this particular location. I think that this particular type of development needs to be encouraged and promoted as opposed to roadblocked,” said a man who owns five properties near the proposal site.

However, Evelyn Bencinich, a resident of Granger Place and whose house would be located directly behind the hotel said, “My property value will be depreciated or non-existent because no one is going to want to live behind a multi-story hotel. We are facing up to a year of noisy and dangerous demolition and construction. Children, pets and even drunk rebellers could wander on site and get hurt. Traffic tie-ups caused by large machinery and garbage bins is inevitable. Where will pedestrians walk? We could experience increased unsanitary flooding in our yards and basements due to the digging and cementing for the underground parking garage. Rats will be displaced into the immediate neighborhoods and be in great abundance. Once we get past the year of nightmare construction, what if you build it and they don’t come? We could ultimately have a seven million dollar rooming house on our corner.”

Patty Morris, co-owner of Don Apparel with Nancy Pollina at 1119 Elmwood also asked that the project be tabled saying, “this has only been public knowledge for less than two weeks and the public never saw the redesign. How can you vote on anything that no one has seen yet? The Board cut off Morris saying, “so specifically you don’t have any problem with it [the design] you just…” Morris then said, “Oh I am totally against this project, but thats besides the point isn’t it.”

The planning board is also concerned that the current design may still be too big.

At one point Board member Susan Curran Hoyt said, “we know you’ve cut down your number of rooms on this project, but we still see it doesn’t seem to fit the description of a ‘botique’ hotel,” and asked Eva Hassett, Vice President of Savarino Construction, “we wonder if you could reduce the rooms further.”

“One thing I didn’t talk about was the price levels of these rooms and that will be important to know. The room rate will be somewhere between US$120 and $160 a night, which is about the same price of the Hampton Inn down town and the smaller you make the hotel, the more expensive the rooms will get. We believe that we’ve made a good compromise in terms of the size of the hotel and perhaps botique means different things to different people,” said Hassett.

The board was also concerned that there is not enough parking asking, “are there alternative plans for valet parking off-site, in the event that you have a full hotel or a large event going on?”

“We are exploring several possibilities with respect to additional parking for valet and parking near-by,” replied Hassett. “We are also exploring the possibility of using the rear of 1105 Elmwood for additional parking, which would give us an additional ten or eleven spaces.”

The new design has a total of 55 parking spaces for 72 rooms, with 39 of them underground and the rest on ground level.

Hassett also said that a “parking study” will be done on the area.

Concerns that the second floor of the hotel will be too close to the property of 605 Forest were also brought up. The board asked how far the hotel would be from the property and Karl Frizlen replied saying it would “be approximately five feet from the property line,” but he also admitted that, “I do not know exactly how close the house next door” will be from the hotel, but did say “I think the house is about four or five feet away from the property line and we [the hotel] sit right on the property line.”

The board is concerned the setback from the property is not enough saying the space between the building and the hotel is “pretty narrow.”

The City’s Common Council also agreed to table the proposal also citing the need for more public engagement and the need for more organizations to respond including the Buffalo Preservation Board and the Office of Historic Preservation.

During that meeting, Hassett also said the proposal to try and get a variance to obtain the properties of 605 and 607 Forest were “now off the agenda.”

The Common Council is expected to meet and hold a public hearing about the project and the rezoning of the properties to be demolished (1119-1121 Elmwood) on Tuesday March 7, 2006 at 2:00 p.m. in Council Chambers at City Hall. At the moment the properties are not zoned for a hotel.

Monday, December 2, 2013

Police in the West Midlands in England today said nearly 200 kilograms worth of drugs with value possibly as great as £30 million (about US$49 million or €36 million) has been seized from a unit in the town of Brownhills. In what an officer described as “one of the largest [seizures] in the force’s 39 year history”, West Midlands Police reported recovering six big cellophane-wrapped cardboard boxes containing cannabis, cocaine, and MDMA (“ecstasy”) in a police raid operation on the Maybrook Industrial Estate in the town on Wednesday.

The seized boxes, which had been loaded onto five freight pallets, contained 120 one-kilogram bags of cannabis, 50 one-kilogram bags of MDMA, and five one-kilogram bricks of cocaine. In a press release, West Midlands Police described what happened after officers found the drugs as they were being unloaded in the operation. “When officers opened the boxes they discovered a deep layer of protective foam chips beneath which the drugs were carefully layered”, the force said. “All the drugs were wrapped in thick plastic bags taped closed with the cannabis vacuum packed to prevent its distinctive pungent aroma from drawing unwanted attention.” Police moved the drugs via forklift truck to a flatbed lorry to remove them.

Detective Sergeant Carl Russell of West Midlands Police’s Force CID said the seizure was the largest he had ever made in the 24 years he has been in West Midlands Police and one of the biggest seizures the force has made since its formation in 1974. “The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated”, he said. “The drugs had almost certainly been packed to order ready for shipping within Britain but possibly even further afield. Our operation will have a national effect and we are working closely with a range of law enforcement agencies to identify those involved in this crime at whatever level.”

Expert testing on the drugs is ongoing. Estimates described as “conservative” suggest the value of the drugs amounts to £10 million (about US$16.4 million or €12 million), although they could be worth as much as £30 million, subject to purity tests, police said.

Police arrested three men at the unit on suspicion of supplying a controlled drug. The men, a 50-year-old from Brownhills, a 51-year-old from the Norton area of Stoke-on-Trent in Staffordshire, and one aged 53 from Brownhills, have been released on bail as police investigations to “hunt those responsible” continue. West Midlands Police told Wikinews no person has yet been charged in connection with the seizure. Supplying a controlled drug is an imprisonable offence in England, although length of jail sentences vary according to the class and quantity of drugs and the significance of offenders’ roles in committing the crime.

Sunday, July 27, 2008

The European Union has maintained its ban on all 51 of Indonesia’s airlines on the grounds of safety concerns. The Indonesian foreign ministry, which had earlier believed its plan to “fast-track” safety improvements for three airlines would see them back in the EU by July’s end, suggested that the ban may have political overtones.

Indonesia had implemented a program to bring state-owned flag carrier Garuda Indonesia up to EU standards, as well as private rivals Mandala Airlines and Airfast. This received a boost in May when Garuda passed a safety audit by the International Air Transport Association.

“Indonesian authorities have still not developed and implemented an efficient oversight program on any of the carriers under their regulatory control,” said the EU’s Air Safety Committee upon rejection of the three airlines’ request for permission to return to the EU. It was added that Indonesia had no effective oversight program and that the International Civil Aviation Organisation had been unable to assess recent changes.

The committee also noted that inspectors did not have the power to ground substandard aircraft and urged Indonesia to increase inspections themselves. A report from the Indonesian director-general of civil aviation said that, between January and April, Garuda performed just nine of 56 mandatory surveys, while Mandala conducted only two out of 27.

The committee acknowledged some improvement by the three airlines, but was unanimous in rejecting their request to have the ban lifted.

Teuku Faizasyah, spokesman for the Indonesian foreign ministry, expressed disappointment at the result and questioned the reasoning behind it. “We are disappointed with the prolonging of the ban. We’ve done some improvements so we do hope that those actions taken could be considered,” he told reporters. “The way we see it, the EU always puts their actions (in terms of) technicality issues. But we question if there are political motivations behind the decision.”

The ban was implemented in 2007 following deregulation in the 1990s that triggered a string of aviation accidents. On New Year’s Day 2007, 102 people were killed when an Adam Air Boeing 737 crashed into the ocean near Sulawesi. This was followed in March by a Garuda 737 overshooting the runway at Yogyakarta Internataional Airport with 21 fatalities.

Adam Air has since been grounded, while on Thursday Captain Marwoto Komar, pilot of the Garuda jet, went on trial charged with a range of possible offences, the most serious of which could see him imprisoned for life.

Saturday, September 12, 2009

The Calabasas, California private elementary school New Village Leadership Academy (NVLA) opened its 2009–10 school year this week amid controversy over its connections to Scientology. The school was founded by celebrity couple Will Smith and Jada Pinkett-Smith, who paid about US$1 million to lease the facility in 2008. Former head of school Jacqueline Olivier was removed from her job in July, and replaced by Piano Foster, an individual who has taken Scientology courses at the organization’s Celebrity Centre.

Smith and Pinkett-Smith are good friends with Scientologists Katie Holmes and her husband Tom Cruise. In 2006, Smith acknowledged to World Entertainment News Network that he had discussed Scientology with Cruise: “I’ve talked to Tom about it. [There’s] lots of incredible, wonderful concepts but Jada and I don’t necessarily believe in organized religion.” ABC News reported that 2008 tax returns for the Smiths show they gave $122,500 to organizations with ties to the Church of Scientology.

In an interview with Ebony, Pinkett-Smith denied the school was affiliated with Scientology: “All I can say is it is not a Scientology school. Now, If you don’t trust me, and you are questioning my integrity, that’s a whole different matter. That is straight evil to think I would bring families into that educational institution and then try to get them to convert into some religion,” she said. According to New York Daily News, the school is registered with the government of California as “non-religious”.

The school utilizes a teaching methodology called Study Technology, which was developed by Scientology founder L. Ron Hubbard. Study Technology is promoted through Applied Scholastics, a Scientology-associated organization founded in 1972. “Study Technology is a secular methodology intended to help students better understand what is being studied and apply it to real life,” said Pinkett-Smith in an email to ABCnews.com. Karin Pouw, an official with the Church of Scientology, was contacted by ABC News but did not comment on a possible affiliation between NVLA and Scientology, instead referring questions back to the school itself.

New York Daily News cited Radar Online in reporting that former head of school Olivier was fired from her position because she had issues with the Study Tech teaching methodology used in the school. According to The Sydney Morning Herald, Olivier was removed from her $200,000 position with the school because she reportedly did not agree with portions of the school’s curriculum which were developed by L. Ron Hubbard.

Carnegie Mellon University computer science Professor David S. Touretzky, described by ABC News as “the most ardent critic of Study Technology”, spoke with ABCNews.com about his thoughts on Scientology connections with the school: “What they seem to have is some sort of a hybrid. Scientology repackaged for the Hollywood crowd. It’s hitting all the politically correct elements … but snuck in there is this Scientology stuff.” Professor Touretzky operates a web site which analyzes Study Tech and argues that it is actually a form of Scientology masked as an educational method. In a February 2008 interview with Wikinews, Professor Touretzky mused that recent criticism of Scientology on the Internet might prove to “warn off Hollywood celebs from cozying up to the cult”, including Will Smith.

Executive director of the California Association of Independent Schools, Jim McManus, was also critical of L. Ron Hubbard’s methodology, stating: “I look at the Study Tech ideas and it doesn’t seem sound educationally.” University of Virginia psychology professor Dan Willingham, author of Why Don’t Students Like School, asserted to ABC News that the methodology is flawed: “It’s perfectly possible that the methodology is based on ridiculous principles and that something effective is happening in the classroom, but ridiculous principles certainly lowers that possibility.”

Members of the Internet-based group critical of Scientology, Project Chanology, were present at the school’s 2009 opening to protest what they called a “front” of the Church of Scientology. A 2008 press release by Project Chanology was critical of what it referred to as the revenue the Church of Scientology receives from licensing fees schools pay the organization for utilizing the Study Tech teaching methodology. “This revenue stream is one of the many sources of income which the Church of Scientology uses for such tactics as invoking frivolous lawsuits and hiring private investigators to intimidate critics,” said the press release.

According to the web site TruthAboutScientology.com, which publishes data compiled from Scientology magazines Freewinds, Celebrity and Auditor, multiple individuals in management roles at NVLA have attended Scientology classes. In addition to the newly installed head of school, Piano Foster, the school’s director of learning Tasia Jones and its artistic director Sisu Raiken have both received Scientology course training. “I officially took over on July 1, 2009, and I’m looking forward to the challenge. I’ve been working in education for the past 20 years at various public and charter schools so I feel I’m ready for the job,” said Foster of her new position at NVLA.

Tuesday, April 5, 2005Terry Vo, the 10-year old Australian boy who had two hands and a foot reattached by surgeons after losing them in an accident, has had to have the foot re-amputated. He will be given a prosthetic foot in its place.

The operation to re-attach three limbs was thought to have been a first – but was ultimately unsuccessful, with the foot having died inside, and receiving insufficient blood supply following the surgery to reattach it.

“That would lead to the small muscles in the foot actually constricting, the toes bending over and a deformed …. foot that is sort of clawed over and doesn’t have good sensation,” said plastic surgeon, Mr Robert Love today, on Australia’s ABC Radio.

“Even if you can get all of that to survive, he [would be] worse off than having had an amputation.”

“What is very disappointing is that for the first two days after [the operation] the foot looked absolutely magnificent,” he said.

Terry’s hands were healing well, said the surgeon. The prosthetic foot would allow him to walk normally, since his knee was intact.

Thursday, May 27, 2010

After reports that US President Barack Obama has fired the director of the Minerals Management Service, Elizabeth “Liz” Birnbaum, the Interior Department revealed that she instead resigned “on her own volition”. The resignation occurred amidst growing criticism of the federal government’s response to the Deepwater Horizon drilling rig explosion and the agency’s oversight over offshore drilling. 

Birnbaum, who became director in June 2009, was expected to testify before a subcommittee of the House of Representatives today with Interior Secretary Ken Salazar. She was not present when Salazar began to speak, however. Salazar said in a statement: “She is a good public servant. She resigned today on her own terms and on her own volition. I thank her for her service and wish her the very best.”

News agencies had reported that Birnbaum was forced out of office, and Obama was expected to officially announce the supposed firing later today in a news conference along with discussing an Interior Department report on the explosion. Birnbaum observed in her letter of resignation that Salazar “will be requiring three new leaders for the Office Natural Resources Revenue, the Bureau of Energy Management and the Bureau of Safety and Environmental Enforcement” as the entire Minerals Management Service is reorganized.

Monday, March 19, 2012Hawker, Canberra — Coming off a national championship win for the Australian Capital Territory (ACT) men’s open team in mid-February, Australia men’s national softball team representatives Nick Norton and Adam Folkard are getting ready for more softball later this year, including the Australian club championships to be held in Brisbane in June.

Folkard and Norton have both won the World Championships and have each won a total of ten national championships with the ACT side. They are both named to the current men’s national team, which has roughly thirty players, and believe they are likely to survive the December cut down to eighteen players who will represent Australia at next year’s World Championship in Auckland, New Zealand.

The World Championship is one of the two most prestigious available to male softball players. The other is the International Softball Congress, an event Folkard and Norton have both competed at.

As national team representatives, there are a lot of expectations for them. In Australia, there is almost no financial support for the men’s game so they must cover most of their own costs, including travel to and from international competitions. According to Folkard’s father, these costs can be prohibitive. In one year, when Folkard was a representative on the men’s U18, U23 and Open team, it cost A$15,000 for travel and other expenses just for Folkard. When costs for bringing family members such as Folkard’s sisters to major international tournaments, the costs were even higher. Folkard, his father and Norton all joked this cost his father an investment property to allow Folkard to continue to compete at the highest level. Both Folkard and Norton currently work as tradesmen to support softball playing.

Beyond money, the national team requires players to be actively involved in wider softball community. Players must represent a club at the club championships in Brisbane if they want to retain a spot in the squad. Folkard plays for a Western Australian club and Norton plays for a Sydney based club, driving down from Canberra to play every Sunday during the season.

Folkard and Norton have both played softball at the highest level in the United States, where the men’s game is not yet fully professionalized but still presents more opportunities for players than are available at home. For several years, Folkard has gone to the United States for three-month stints, playing for teams in Chicago, Pennsylvania, and New York. One side he played was sponsored by Ernst and Young. Folkard currently plays for a Canadian side and has been trying to convince Norton, whom he has grown up playing softball with, to join him like Norton has done one previous season. According to Folkard, playing with a North American club has certain advantages. The clubs pay for his travel to and from Australia, and pay for Championship rings. When asked how North American clubs sign Australian players, he said they follow men’s softball in Australia and call up players to offer contracts. Australian men’s players gain additional exposure to potential clubs when they compete, with some sides approaching them during the North American season and seeking to contract them for the following season.

Both men would love the opportunity to play softball in the Olympics, but believe such an opportunity is unlikely. According to them, softball at the Olympics is a women’s game intrinsically linked to men’s baseball, and men’s softball is unlikely to ever be considered on the programme as a result.

Folkard and Norton both play for the same club in the ACT territory club competition. Their team has secured a grand final berth for the match in ten days. They are waiting to find out who they will play against based on a match this weekend. Both have previously won this competition.

Saturday, December 13, 2008

Taiwan’s former President, Chen Shui-bian (???), has been conditionally released on bail, some ten hours after he was indicted for corruption. Speaking to media at the Taipei District Court, he said: “I want to thank my lawyers, members of the Democratic Progressive Party and my supporters who have given me huge encouragement. I am grateful to those who cared for, supported and looked after me so I could get through the hardest and loneliest 32 days of my life in prison.” He earns the historical distinction of being the first ex-president of the Republic of China to be indicted for criminal offenses and could suffer life imprisonment if convicted.

Along with 13 other family members and close associates, including his wheelchair-bound wife, son Chen Chih-Chung, and daughter-in-law Huang Jui-ching, Chen was indicted Friday on charges of embezzling government funds and laundering money or ill-gotten bribes. The panel of three judges ruled he should appear at future court hearings and must not leave the country nor change his address.

Prosecutor Lin Che-hui accused Chen of having “embezzled 104 million New Taiwan dollars ($3.12 million) from a special presidential fund, and received bribes of $11.73 million in connection with a government land procurement deal and a separate construction project; the damning piece of evidence was the presence of NT$740 million ($22.2 million) in cash stashed in a Taipei bank safety vault held by the Chens.” Yuanta Securities director Tu Li-ping said, “she hand delivered NT$200 million ($6 million) in cash to Wu at the presidential residence in 2006 on behalf of executives of an affiliated bank; the money was an incentive for Wu not to interfere with a merger the bank was pursuing.”

Chen insists on his innocence. Contradicting the 100-page indictment, he said that “the $21 million his wife wired to their son’s Swiss bank accounts came from leftover campaign donations. Taiwanese law permits such donations to be kept by political candidates.”

In 1975, Chen married Wu Shu-chen (???), the daughter of a physician. The couple has a daughter, Chen Hsing-yu (???), who is a dentist; and a son, Chen Chih-Chung (???), who, having received a law degree in Taiwan, studied at and graduated with a M.A. degree from the University of California in 2005.

In November 2006, Chen’s wife Wu Shu-chen and three other high ranking officials of the Presidential Office were indicted for corruption, charged with misappropriating NT$14.8 million (USD$450,000) of government funds using falsified documents. Due to the protection from the Constitution against prosecution of the sitting president, Chen could not be prosecuted until he left office, and he was not indicted, but was alleged to be an accomplice on his wife’s indictment.

Chen’s term as President of the Republic of China ended in May 2008. Immediately thereafter, prosecutors began investigating him regarding allegations that he misused his discretionary “state affairs fund”, as well as his connection to the first family’s money-laundering activities. He resigned from the Democratic Progressive Party on August 15, 2008, one day after admitting to falsifying past campaign expenses and wiring campaign contributions to overseas accounts.

In November 2008, Chen was escorted by a security staff, into the Taipei prosecutor’s office for questioning. After 6 hours, he left the Supreme Court prosecutor`s office in handcuffs, was arrested and detained. The charges each carry a minimum penalty of 5 years imprisonment. Following a 6 day hunger strike while in detention, Chen collapsed and was rushed to Taipei’s Far Eastern Memorial Hospital, where he was later transferred to Panchiao Hospital for force-feeding. Despite Chen’s lack of interest in appealing, his lawyer Cheng Wen-long completed a motion seeking his release from detention and filed a notice of appeal of the court’s decision, along with a petition for constitutional interpretation to restrain actions violative of the Constitution.

Prosecutor General, Chen Tsung-ming said that after Chen’s case had been removed to the Taipei Local Court, he would re-file a petition for Chen’s detention. Chen and the main opposition DPP have accused President Ma Ying-jeou‘s administration of “using the scandals to plan a political plot against the former leader.”

Meanwhile, The Straits Times reported that “prosecutors are to investigate former President of the Republic of China and Chairman of the Kuomintang from 1988 to 2000, Lee Teng-hui on suspicion of money laundering, based on allegations made by Chen during his own questioning recently that his predecessor transferred large funds abroad through dummy accounts.” Mr. Lee angrily denied the accusations concerning “a suspected transfer of 50 million Taiwan dollars (US$2.26 million) to Mr Lee from a local stock investor via overseas dummy accounts.” Charges also included transactions made at the end of Lee’s tenure and at the beginning of Chen’s term, including “one billion Taiwan dollars that had been wired to various countries including Singapore.”

The China Post calls for calm and urges fair trial for Chen. “All the people should wait patiently for the outcome of the trial … They shouldn’t do anything to influence the judges in any way, because the rule of law in Taiwan is at stake. We should show the world that Taiwan is a democracy where anybody who commits a crime, be he a man on the street or a former president, is duly punished.” it said.

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.

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.

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.

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.