These range from lower credit scores, to delays in securing appraisal, to incomplete submission of documents verifying income.
"The complaints indicate consumer confusion persists around the process and requirements for obtaining loan modifications and refinancing," the report said, particularly on issues involving submission of documents, payment trial periods and allocation of payments.
Dr. Servatius (as everybody invariably addressed him) was a bit bolder when it came to the submission of documents, and the most impressive of his rare interventions occurred when the prosecution introduced as evidence the diaries of Hans Frank, wartime Governor General of Poland and one of the major war criminals hanged at Nuremberg.
CMS and the state have reached agreement on the overall benefits approach, pending final submission of documents by the state consistent with the agreement that has been reached.
Reasons given for delayed disbursements included poor coordination between the PR and other actors, protracted grant negotiation processes, late submission of documents to the Fund's Secretariat, and delays in receiving final approvals from the Secretariat.
For example, in the German system, requirements guiding the submission of documents for pricing and reimbursement processes are not only detailed in nature but also almost exhaustively apply the principles of systematic research.
It was hoped that the submission of this document would help verify material balances regarding special munitions.
The S.E.C. granted A.& P. a 15-day extension, but the agency's mid-June deadline passed without the submission of the document.
On submission of a document, which is encrypted, Wikileaks promises to prevent it being "technically traceable to your PDF printing program, your word installation, scanner, printer" and to make the contributor anonymous from an early stage.
"I can't speak for the other firms but I can assure you that there has not been submission of fraudulent documents," Mr. Stern said.
A third proposal would make it easier for the Justice Department to introduce the records obtained from foreign banks in court, relaxing the requirements under the rules of evidence for submission of these documents.
