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News Center- Springhill Group Home Loan's unrelenting aim on Corporate Governance, superior standards of ethics and focus of perspective - Confidence, Reliability, Transparency and Expert Service are the essential attitude of NCSGHL. Customer satisfaction is the tradition of all News Center- Springhill Group Home Loan's services. With SHG's state-of-the-art information and facts methods to provide customer's needs inspire customers in order to make the right home buying decision. This is what sets apart SGH's customer service philosophy - Housing Finance With You, All Through.

South Korean Police said yesterday they have Busted ares fifteen-Member Group that faked the Adoption of Children to pull off ares Real-Estate Scam. The ring earned about four hundred eighty million Won ($ four hundred and seventy-nine thousand five hundred twenty) abusing are housing Law that Gives preference to are private Home Buyer Children are healthy and child or with an. The ringleader while WAS 14 Others Arrested, Including Real Estate Brokers and loan shark are, Were charged but not detained, said spokesman for the Seoul Metropolitan Police Agency are. Government Regulations FIX anti-speculation the price of some Apartments built privately and Reserve ares are seen as what percentage of homes for deserving applicants. Officials are trying to Overcome Traditional reluctance in South Korea are, which places stress on Great Family Bloodlines, to Adopt Children. Police said the loan shark visited ares Street vendor last July and received 10 million won. Return to rights he waived in HIS HIS Daughters are let and Street Cleaner "Adopt" them. The Street Cleaner used to the Adoption Document to Secure rights are Buy Luxury Condominium but are resold the rights to high School Teacher. Using fake Adoption Documents, the Obtained the right ring to Buy Apartments in Seoul and nearby Cities twenty-one. Police also charged 20 biological and nineteen "adoptive parents" for accepting up to 10 million Won in Each Case. AFP see more : http://springhillgrouphome.com/

CONSUMER SCAM (Barry Calvagna) aka/ United Abstract Group, Inc. aka/ American Consolidebt, Inc. aka USR Group, Inc. Paystar International aka Conway and Phillips The associates group See Also LINK COMPLAINTS HERE 2387 New York Ave., #8 Huntington Station, NY 11746 Phone: (800) 344-1588 (631) 421-1397 Fax: (631) 421-1397 918 Jericho Turnpike Huntington Station, NY 11746 Phone: 631-421-1533 888-380-3516 866-509-3202 Fax: 631-421-1890 Fax: 631-755-3069 Florida: United Abstract Group, Inc.PO BOX 6812 Spring Hill, FL 34611 (352) 684-8693 (352) 666-0466 fax (866) 684-8693 USR Group, Inc. 33 Walt Whitman Rd, Ste 209 Huntington Station, NY 11746-4281 Web Address: www.unitedabstractgroup.com Quick Analysis Consumer Comments Below We thought this scam died back in the nineties, but it is alive and well, operating from Huntington Station, from New York. Debt buyers United Abstract Group, Inc., are bottom feeders who use their entity of C. Barry & Associates, LLC, who operate out of the same address to lie, intimidate and totally misrepresent their illegal debt collection practices. Owners Barry Calvagna and Anthony Picone are about to feel the wrath of the legal system for their blatant disregard for the law and consumer rights. Not to mention the fact that we could NOT locate one state where they are licensed or bonded in. Calls to their office result

http://ambersanpedro.livejournal.com/1011.html This project consisted of removing and replacing (2) existing 1100 ton chillers, removing (4) existing tower water pumps which were replaced with (2), and removing (3) existing chilled water pumps which were replaced with (2). A single new 400HP boiler was installed where one of the existing original boiler's was demolished by an owner paid subcontractor separate from this contract. There was also a generator that was removed in order to make room in the chiller room for the new equipment and piping. A large condensing unit servicing some operating rooms had to be relocated in order to allow access to the mechanical room for demolition and delivery of the new equipment and piping. Much of the existing chilled water and tower water piping was removed and replaced with throughout the chiller room and on the mezzanine above the chiller room. Steam, condensate and fuel oil piping servicing the old boiler was removed and re-configured to meet the needs of the new boiler. Access to the south mechanical room was very limited. All of the equipment and piping had to be hoisted into and out of an access shaft just large enough for the new equipment. Besides the limited space, the set-up area for the hoisting rig was right next to the Emergency Room/Helepad entrance. The coordination with our hoisting and rigging subcontractor, the hospital personnel and Stanger Industries years of experience with similar projects proved invaluable on this challenging aspect of the project. One of the stipulations of this project was to insure that all systems would remain on line during the installation of all of the new equipment. In order to accomplish this task, isolation valves were installed in key locations to allow us to isolate this south mechanical room from the rest of the system and utilize the north mechanical room's equipment to keep things on line. The shut-down/drain down of the towers was scheduled and coordinated with hosp

Hospital Corporation of America Chillers, Pumps, and Boiler Replacement Project Wednesday, January 18 · Edit "http://ambersanpedro.livejournal.com/1011.html This project consisted of removing and replacing (2) existing 1100 ton chillers, removing (4) existing tower water pumps which were replaced with (2), and removing (3) existing chilled water pumps which were replaced with (2). A single new 400HP boiler was installed where one of the existing original boiler's was demolished by an owner paid subcontractor separate from this contract. There was also a generator that was removed in order to make room in the chiller room for the new equipment and piping. A large condensing unit servicing some operating rooms had to be relocated in order to allow access to the mechanical room for demolition and delivery of the new equipment and piping. Much of the existing chilled water and tower water piping was removed and replaced with throughout the chiller room and on the mezzanine above the chiller room. Steam, condensate and fuel oil piping servicing the old boiler was removed and re-configured to meet the needs of the new boiler. Access to the south mechanical room was very limited. All of the equipment and piping had to be hoisted into and out of an access shaft just large enough for the new equipment. Besides the limited space, the set-up area for the hoisting rig was right next to the Emergency Room/Helepad entrance. The coordination with our hoisting and rigging subcontractor, the hospital personnel and Stanger Industries years of experience with similar projects proved invaluable on this challenging aspect of the project. One of the stipulations of this project was to insure that all systems would remain on line during the installation of all of the new equipment. In order to accomplish this task, isolation valves were installed in key locations to allow us to isolate this south mechanical room from the rest of the system and utilize the north mechanical room's

Welcome to Birds 4 You Aviary. We are a private parrot breeder specializing in hand raising and hand feeding parrots ranging from large Macaws, Congo African grays, and Amazons. To smaller parrots like Sun Conures, Indian Ringnecks , Quakers, and Parrotlets. We are located in Central Florida, just 10 miles north of the Tampa Bay Area in Trinity, FL. We are not open to the public on a daily basis but if you wish to see our birds please contact us and schedule a visit. What makes us different from other breeders is that we go the extra mile in hand taming our birds assuring that you will get the best possible bird available. Our staff has over 20 years experience in breeding and training large parrots. We do not sell birds to be show pieces or breeders. We wish for all our parrots to become a loving member of their adopting family. We make sure all our large birds are well socialized with both male and female humans as well as other birds of different sizes and species. In addition to hand feeding our birds we make sure each is allotted a specific amount of play time each day. Each parrot is weaned onto pretty bird gold pellets and gets a daily ration of fruits and vegetables to provide them with the proper nutrition that they require and deserve. Purchasing a parrot is a huge commitment. Some parrots like blue and gold macaws, and congo African greys can live in excess of 70 years with proper care and diet. All to often people jump into ownership head first without knowing what they are getting into. Macaws and CAG's are highly intelligent and have a mental capacity that rivals dogs, cats, and even dolphins. African Greys have been know to recognize colors, shapes and even associate human words with meaning. So it is very important your bird gets the attention and love that they deserve. Parrot Speceis that we offer for sale. We offer a number of different macaw species for sale. Our most common and most recommended would be the traditional Blue and Gold Macaw

Springhill Group : Facebook might be reading your text messages The online community is all abuzz on Sunday after an explosive report has accused Facebook of snooping in smartphone users' text messages. Though Facebook admitted to reading SMS of users who have downloaded their app, they said they are only doing so as part of a limited testing phase prior to launching their own messaging service and not to deliberately expose users to fraud. The Facebook app running on Android is authorized to process, read, receive and write SMS, something they have declared in their terms beginning from the 1.7 version. Facebook said this is in anticipation of new features that will integrate Facebook tools with user texts. Now, if Facebook eventually introduces a feature that will be applicable to those permissions, they are ensuring the users even now that it will be accompanied by proper educational and guiding materials. Facebook retorted that users should be aware that it said it might access their messages, contained under "Permissions" - that long article you are expected to have read before downloading/using the app. Unfortunately, 70% of smartphone users do not seem to have the time for reading the terms and conditions attached to an app. Other popular companies that are using smartphones to access data and other personal details of users include Yahoo Messenger, Badoo, Google and Flickr. Several companies can reportedly control smartphone features remotely, which includes taking images and video using the camera, as in the case of YouTube. Also, details like contacts list, location and browser history are accessed and can be passed on to third-parties like advertisers. According to a statement issued by Facebook, it does not read user text messages and described the Sunday Times report as 'completely wrong' on their terminology and the impression they have made. But Facebook gave an explanation anyway: "…we have done some testing of pr

Thailand is seeking help from China and South Korea to support its efforts to crack down on the smuggling of pseudoephedrine-based cold pills. The move came after the Department of Special Investigation (DSI) obtained information that a Thai company had struck a deal to buy 10 billion pseudoephedrine-based cold tablets from a Chinese firm. Previously, the DSI obtained information that the firm also signed a deal to buy 850 million tablets, or 40 tonnes of the medicine, from South Korea. The DSI found that 87 million cold tablets were transported into Thailand from South Korea by plane on nine occasions since 2010. They had false air cargo manifests to avoid attracting attention from the authorities. The DSI suspected the medicines were smuggled in from South Korea. The DSI is investigating two companies suspected of being involved in the smuggling of the pills from overseas. The companies are UTAC Thai Co Ltd, a supplier of integrated circuits, and TVR Group Co Ltd, a car dealer and vehicle hire firm. Some information relating to the drug purchases was uncovered at the companies during recent searches of their premises but the firms denied any involvement. Mr Tarit said yesterday DSI officials also discovered a contract to buy 10 billion pseudoephedrine-based cold tablets from China during the search at UTAC Thai Co Ltd. Under the contract, the first batch of 2 million tablets was to have been shipped to Thailand on July 31, 2009. He said the DSI also found a photo showing a man collecting the pills from Suvarnabhumi airport cargo warehouse. The cold tablets from China and South Korea have the same brand name of COLCOLCO, he said. Mr Tarit said DSI officials also searched the company's factory but there was nothing amiss. However, it was found that the company had three South Korean executives and one Thai executive, Mr Tarit said. He said the Korean Food and Drug Administration recently sent information

Recent headlines about the troubled subprime lending industry are making Americans more aware of the consequences of risky lending practices. But unscrupulous lenders and scam artists continue to prey on unsuspecting loan shoppers and homeowners. Unfortunately, loan-related scams aren't restricted to tricking consumers into loans with outrageously high interest rates. Today's sophisticated scammers are using loans as a vehicle to do everything from stealing sensitive personal information to virtually stealing a credit-challenged homeowner's own home. The mortgage experts at Loan.com have identified five top scams that all consumers - mortgage shoppers and homeowners alike - should be on the look-out for. 1. Unsolicited phone calls Americans across the country have reported receiving phone calls from telemarketers posing as representatives from well-known organizations such as Fannie Mae offering to refinance loans at low rates. These "representatives" often ask for personal information, claiming they need it to qualify a victim for a loan. This information is then used to steal a victim's identity. Loan.com's Advice: Be wary of any phone call offering remarkably low interest rates on loans, especially if you have registered your phone number with the Do Not Call Registry. Most major nationwide lenders do not solicit business over the phone. Never give out personal information over the phone unless you are absolutely sure who you are speaking with. 2. "Helpful" contractors Many homeowners have reported contractors - often roofing or remodel professionals - approaching them with an offer to perform upgrades on their home at a reasonable price. These contractors offer financing through low-interest loans. It's not until after signing numerous forms that too many homeowners realize they have signed off on a high-interest home equity loan, and that the contractor has been hired by unscrupulous lenders to sell loans, not impro

By Romesh Navaratnarajah: Cases of residential mortgage fraud in the US done in collusion with mortgage industry professionals dropped 35 percent between 2010 and 2011, according to the LexisNexis Risk Solutions Mortgage Fraud Report. The report tracked actual cases of mortgage fraud or misrepresentation by mortgage sector professionals, as reported by lenders and other financial institutions. These include cases of borrowers falsifying information on mortgage documents but only if they conspired with mortgage industry professionals. One reason for the significant decline is because mortgage loan originations fell to its lowest level in 2011 since 2001, indicating a sharp reduction in sales of new and previously-occupied homes. Another reason is that fewer fraud schemes are committed when a buyer is trying to get a home loan. However, the FBI noted that loan fraud involving selling or buying homes is more common at some stages of foreclosure, adding that mortgage fraud investigations led to 1,082 convictions in FY 2011. According to the LexisNexis study, home appraisal and loan application fraud, along with misrepresentation, accounted for the biggest category of fraud investigated by lenders in 2011. Related Stories: Fixed-rate mortgage in demand despite cheaper tracker-rate loans 15% discount on mortgages reappears in Shanghai US mortgage rates fall to new record lows More from PropertyGuru: Fixed-rate mortgage in demand despite cheaper tracker-rate loans 15% discount on mortgages reappears in Shanghai US mortgage rates fall to new record lows HK mortgage numbers shrinking

ATLANTA - Cases of residential mortgage fraud reported by institutions in the home financing industry fell last year for the second year in a row, according to a new study. The LexisNexis Risk Solutions Mortgage Fraud Report released Wednesday tracks verified instances of home loan fraud or misrepresentation by mortgage industry professionals, as reported by banks and other financial institutions. The fraud could include a borrower falsifying information on loan documents but only if the borrower was conspiring with a mortgage industry professional. The study found that mortgage fraud reports declined 35 percent between 2010 and 2011. One factor in the decline is that mortgage loan originations sank to their lowest levels since 2001 last year, reflecting a sharp drop in sales of new and previously occupied homes. Another is that fewer mortgage fraud schemes are taking place at the point where a buyer tries to get a home loan. Mortgage fraud involving the buying or selling of homes in some stage of foreclosure is becoming more common, according to the FBI. Mortgage fraud investigations by the FBI resulted in 1,082 convictions in fiscal 2011, the agency has said. Loan application and home appraisal fraud and misrepresentation made up the largest category of fraud type being investigated by lenders last year, according to the LexisNexis study. Among the trends identified in the report: Instances where buyers and sellers potentially colluded in a home sale or purchase transaction are running at an elevated pace. One red flag of collusion in a real estate transaction is when there is an undisclosed relationship between buyer and seller, or agent, which could potentially lead to a conflict of interest. Unless disclosed, real estate transactions are expected to be arm's-length, or with buyer and seller having no relationship to each other. In 2011, lenders reported that transactions where such a relationship was not disclosed declined t

Two years ago, when I started toying with the idea of coming to Korea to teach English, my main concern was managing my finances back home. Like so many recent college graduates, I had student loans that would require monthly payments, a car lease, and a credit cards to pay down. Since I had never lived in another country, or been out of the country for that matter, I had no idea how efficient and simple Korean banking and managing your overseas accounts can be. So, if you're like me and you want the scoop on money matters before you head to Korea, read on for quick tips and tricks to help you save money, transfer large sums, and even pay your taxes. Tip #1: Be prepared! Before you leave your country, make sure that you notify your bank, credit cards, student loan lenders, cellphone company, auto loan lenders, etc. Essentially, if you owe money to anyone or you have money saved in any account, make those institutions aware that you will be traveling for a year or more. Most importantly, bring a record of ALL of your banking information: routing numbers, account numbers, and your SWIFT CODE. What's a Swift Code? It's a bank-specific number that allows a foreign bank to easily locate and transfer funds to your domestic accounts. This number, along with your other account information, is essential for seamless transactions and can be obtained simply by contacting your bank and requesting their current Swift Code. Tip #2: On-line Banking: Now-a-days I do the majority of my banking, shopping, and paying bills online. Most banking networks give you access to your funds and statements in an on-line account, so make sure that you set one up before you leave the country. You can also pay your student loans, credit cards, and most other bills online. Furthermore, this is an excellent way to track your savings and be notified of any transfer fees (most banks assess a $15-$20 fee for wire transfers). Tip #3: Enlist Friends and Family: It may also be a wise decision t

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four

Two years ago, when I started toying with the idea of coming to Korea to teach English, my main concern was managing my finances back home. Like so many recent college graduates, I had student loans that would require monthly payments, a car lease, and a credit cards to pay down. Since I had never lived in another country, or been out of the country for that matter, I had no idea how efficient and simple Korean banking and managing your overseas accounts can be. So, if you're like me and you want the scoop on money matters before you head to Korea, read on for quick tips and tricks to help you save money, transfer large sums, and even pay your taxes. Tip #1: Be prepared! Before you leave your country, make sure that you notify your bank, credit cards, student loan lenders, cellphone company, auto loan lenders, etc. Essentially, if you owe money to anyone or you have money saved in any account, make those institutions aware that you will be traveling for a year or more. Most importantly, bring a record of ALL of your banking information: routing numbers, account numbers, and your SWIFT CODE. What's a Swift Code? It's a bank-specific number that allows a foreign bank to easily locate and transfer funds to your domestic accounts. This number, along with your other account information, is essential for seamless transactions and can be obtained simply by contacting your bank and requesting their current Swift Code. Tip #2: On-line Banking: Now-a-days I do the majority of my banking, shopping, and paying bills online. Most banking networks give you access to your funds and statements in an on-line account, so make sure that you set one up before you leave the country. You can also pay your student loans, credit cards, and most other bills online. Furthermore, this is an excellent way to track your savings and be notified of any transfer fees (most banks assess a $15-$20 fee for wire transfers). Tip #3: Enlist Friends and Family: It may also be a wise decisio

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out mor

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? · Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies · Loans are interest free so you only pay back what you borrow · Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? · Installing cavity wall or solid wall insulation and/or loft insulation · Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems · Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: · Energy Performance Certificate (within the home report completed when buying, renting or selling a home) · Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) · Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) · Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or · Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and how to

ATLANTA - Cases of residential mortgage fraud reported by institutions in the home financing industry fell last year for the second year in a row, according to a new study. The LexisNexis Risk Solutions Mortgage Fraud Report released Wednesday tracks verified instances of home loan fraud or misrepresentation by mortgage industry professionals, as reported by banks and other financial institutions. The fraud could include a borrower falsifying information on loan documents but only if the borrower was conspiring with a mortgage industry professional. The study found that mortgage fraud reports declined 35 percent between 2010 and 2011. One factor in the decline is that mortgage loan originations sank to their lowest levels since 2001 last year, reflecting a sharp drop in sales of new and previously occupied homes. Another is that fewer mortgage fraud schemes are taking place at the point where a buyer tries to get a home loan. Mortgage fraud involving the buying or selling of homes in some stage of foreclosure is becoming more common, according to the FBI. Mortgage fraud investigations by the FBI resulted in 1,082 convictions in fiscal 2011, the agency has said. Loan application and home appraisal fraud and misrepresentation made up the largest category of fraud type being investigated by lenders last year, according to the LexisNexis study. Among the trends identified in the report: Instances where buyers and sellers potentially colluded in a home sale or purchase transaction are running at an elevated pace. One red flag of collusion in a real estate transaction is when there is an undisclosed relationship between buyer and seller, or agent, which could potentially lead to a conflict of interest. Unless disclosed, real estate transactions are expected to be arm's-length, or with buyer and seller having no relationship to each other. In 2011, lenders reported that transactions where such a relationship was not disclosed d

ATLANTA - Cases of residential mortgage fraud reported by institutions in the home financing industry fell last year for the second year in a row, according to a new study. The LexisNexis Risk Solutions Mortgage Fraud Report released Wednesday tracks verified instances of home loan fraud or misrepresentation by mortgage industry professionals, as reported by banks and other financial institutions. The fraud could include a borrower falsifying information on loan documents but only if the borrower was conspiring with a mortgage industry professional. The study found that mortgage fraud reports declined 35 percent between 2010 and 2011. One factor in the decline is that mortgage loan originations sank to their lowest levels since 2001 last year, reflecting a sharp drop in sales of new and previously occupied homes. Another is that fewer mortgage fraud schemes are taking place at the point where a buyer tries to get a home loan. Mortgage fraud involving the buying or selling of homes in some stage of foreclosure is becoming more common, according to the FBI. Mortgage fraud investigations by the FBI resulted in 1,082 convictions in fiscal 2011, the agency has said. Loan application and home appraisal fraud and misrepresentation made up the largest category of fraud type being investigated by lenders last year, according to the LexisNexis study. Among the trends identified in the report: Instances where buyers and sellers potentially colluded in a home sale or purchase transaction are running at an elevated pace. One red flag of collusion in a real estate transaction is when there is an undisclosed relationship between buyer and seller, or agent, which could potentially lead to a conflict of interest. Unless disclosed, real estate transactions are expected to be arm's-length, or with buyer and seller having no relationship to each other. In 2011, lenders reported that transactions where such a relationship was not disclosed declined to

These house poor families were spending more than 30 percent of their income to pay back the principal and interest for their loans, and had more liabilities than available assets, meaning they would be unable to repay their debts even by selling off all their non-home assets. Most house poor, or 96.3 percent, said in the survey that they were finding the repayment ofloans extremely burdensome. About three-quarters of them said they were reducing their spending to pay off the loans.Sixty-four percent said they would like to sell their homes soon. As for the reasons for wanting to sell off their home, 26.9 percent said they wished to readjust their asset portfolio, and 25.4 percent cited the burden of repaying loans.Others said they wished to change the size of their homes (18.7 percent) or to withstand the economic downturn (13.7 percent).Nearly two-fifths of the house poor were in their 30s and 40s. Following those in their 30s (19.6 percent) and 40s (18.9 percent) were people in their 50s (13.5 percent) and 60s (11.2 percent), indicating that many people were financially squeezed before and after retirement.The more expensive the homes, the greater the number of house poor. Some 22.3 percent of the house poor in the survey hadmortgage loans on residential properties worth more than 900 million won. About 14.5 percent had homes worth between 600 million and 900 million won. Seventeen percent had homes worth between 300 million and 600 million won, and 15.6 percent between 150 million and 300 million won. Only 13.2 percent had homes valued less than 150 million won. Seoul (17.4 percent) and the surrounding Gyeonggi Province (18 percent) showed the highest rate of house poor families. In the capital, four of the 25 districts - which have the most expensive apartments - accounted for 17.2 percent of the house poor. "About 26.2 percent of all mortgage loans were taken out by people with a low ability to repay the debts," the research instit

These house poor families were spending more than 30 percent of their income to pay back the principal and interest for their loans, and had more liabilities than available assets, meaning they would be unable to repay their debts even by selling off all their non-home assets. Most house poor, or 96.3 percent, said in the survey that they were finding the repayment ofloans extremely burdensome. About three-quarters of them said they were reducing their spending to pay off the loans.Sixty-four percent said they would like to sell their homes soon. As for the reasons for wanting to sell off their home, 26.9 percent said they wished to readjust their asset portfolio, and 25.4 percent cited the burden of repaying loans.Others said they wished to change the size of their homes (18.7 percent) or to withstand the economic downturn (13.7 percent).Nearly two-fifths of the house poor were in their 30s and 40s. Following those in their 30s (19.6 percent) and 40s (18.9 percent) were people in their 50s (13.5 percent) and 60s (11.2 percent), indicating that many people were financially squeezed before and after retirement.The more expensive the homes, the greater the number of house poor. Some 22.3 percent of the house poor in the survey hadmortgage loans on residential properties worth more than 900 million won. About 14.5 percent had homes worth between 600 million and 900 million won. Seventeen percent had homes worth between 300 million and 600 million won, and 15.6 percent between 150 million and 300 million won. Only 13.2 percent had homes valued less than 150 million won. Seoul (17.4 percent) and the surrounding Gyeonggi Province (18 percent) showed the highest rate of house poor families. In the capital, four of the 25 districts - which have the most expensive apartments - accounted for 17.2 percent of the house poor. "About 26.2 percent of all mortgage loans were taken out by people with a low ability to repay the debts," the research instit

If you live in a Universal Home Insulation Scheme (UHIS) area in Scotland you could benefit from an interest free loan of up to £10,000. To find out if you live in a UHIS area please contact your local Energy Saving Scotland advice centre on 0800 512 012 What's on offer? Loans of between £500 and £10,000 are available (please note: loans are only available up to a maximum of £4,000 for solar photovoltaic (PV), wind turbines and small scale hydro technologies Loans are interest free so you only pay back what you borrow Applicants can pay back the loan in monthly instalments over a maximum of eight years. Loans can be combined with funding from fuel suppliers under the Carbon Emission Reduction Target. Loans cannot be combined with an Energy Saving Scotland Boiler Scrappage Scheme voucher. What can I use the loan for? Installing cavity wall or solid wall insulation and/or loft insulation Installing renewable energy systems, such as wind turbines, solar photovoltaic, solar water and space heating, heat pumps (ground, air and water source), small scale hydro and wood fuelled boiler systems Replacing old, inefficient boilers with an Energy Saving Trust Recommended (ESTR) boiler The energy efficiency or renewable measure funded by the loan must be recommended in one of the following documents: Energy Performance Certificate (within the home report completed when buying, renting or selling a home) Home energy report for energy efficiency measures only (produced on completion of an Energy Saving Trust Home Energy Check (HEC) Home Energy Generation report (completed via a phone survey carried out by an Energy Saving Scotland home renewables advisor ) Home report on renewables and energy efficiency ( completed via a home visit from an Energy Saving Scotland home renewables advisor), or Energy Assistance Package (EAP) Stage Four managing agent letter detailing the work recommended. You can find out more about all these documents and ho