Blog dedicado a la formación en todos sus ámbitos: presencial, online, a distancia
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Una infografía sobre cómo mejorar precios – dejar de sufrir y vender más.
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Cómo mejorar precios – dejar de sufrir y vender más
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Una infografía con 5 estadísticas sobre Instagram que puedes desconocer.
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5 estadísticas sobre Instagram que puedes desconocer
Sallie Mae and Navient agreed to pay a combined $97 million to settle charges that they violated the Servicemembers Civil Relief Act [PDF] which caps loan interest rates at 6% for active duty military members, the Wall Street Journal reports.
The companies will pay $60 million in refunds to approximately 60,000 servicemembers and a $55,000 civil penalty to settle the Justice and Education department’s portion of charges. The FDIC is requiring a payment of $30 million in refunds and $6.6 million in civil penalties.
Earlier this year Sallie Mae, the country’s largest originator and servicer of student loans, spun off its loan servicing, loan management, and collections to a new company, Navient.
In a news release about the settlement, Attorney General Eric Holder says that conduct like Sallie Mae’s “is more than just inappropriate; it is inexcusable. And it will not be tolerated.”
While the Consumer Financial Protection Bureau was not involved in Tuesday’s settlements, it has been conducting its own investigation into the deceptive actions of Sallie Mae and Navient.
“Today’s action should serve as warning not just to the student loan servicing industry, but to all institutions that provide or service loans to the military,” Holly Petraeus, assistant director for the CFPB, says in a statement. “Federal agencies will be vigilant about holding all financial institutions accountable for providing the protections that our servicemembers have earned through their selfless service to our nation.”
Scrutiny against loan servicers’ allegedly deceptive practices picked up following a 2012 report by the CFPB that found service members faced hurdles in assessing their student loan benefits.
According to the report [PDF], servicers, such as Sallie Mae, were not providing military members with clear and accurate information about their repayment options. The CFPB reported that military borrowers were denied interest-rate protections because they failed to resubmit unnecessary paperwork while completing active duty.
“Sallie Mae gave servicemembers the runaround and denied them the interest-rate reduction required by law,” Petraus said in a statement Tuesday. “This behavior is unacceptable. And it’s particularly troubling from a company that benefits so generously from federal contracts.”
For its part, Sallie Mae said in a written statement that it is making the appropriate adjustments to be in compliance with military lending laws.
“We regret any inconvenience or hardship that our customers may have experienced,” the statement says.
While a written statement from officials at Navient offers apologies to the servicemembers who were affected by the issues, the company disputes the Justice Department’s interpretation of the military lending law calling it inconsistent with prior requirements.
In addition to the monetary settlement, Sallie Mae must abide by several provisions to ensure servicemembers are protected in the future.
Justice Department Reaches $60 Million Settlement with Sallie Mae to Resolve Allegations of Charging Military Servicemembers Excessive Rates on Student Loans [Department of Justice]
Sallie Mae, Navient Reach Student-Loan Settlement With U.S. Government [Wall Street Journal]
Statement by Consumer Financial Protection Bureau’s Holly Petraeus on DOJ, FDIC Enforcement Actions Against Sallie Mae [Consumer Financial Protection Bureau]
Travel booking site Skyscanner took a survey of 400 international hotel staff to find both the craziest complaints hotel workers have fielded, as well as some of the most unusual requests. And let’s just say it goes way the usual noise complaints and asking for a wake-up call.
A few of our favorite complaints:
• The sea was too blue
• Waiter was too handsome (Editor’s note: not possible)
• Girlfriend’s snoring kept guest awake (discount requested)
• Guest’s dog didn’t enjoy his stay (refund requested)
• Hotel had no ocean view (in Mayfair, London and Italy, 80km from coast)
And those odd requests are just as fun:
• One glass of water on the hour every hour, throughout the night
• A dead mouse.
• 16 pillows (for single guest)
• Sound of goats bells to aid sleep
• Toilet to be filled with mineral water
Check out the rest of the list at Skyscanner for the next time you want to give a hotel staff fits of laughter. And stay away from those blue bodies of water — they’re nothing but trouble, I hear. The browner, the better, as my Great Uncle Hugh never said.
World’s weirdest hotel requests and complaints [Skyscanner]
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Una infografía sobre los beneficios del email marketing vs Social Media Marketing.
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Beneficios del email marketing vs Social Media Marketing
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Una infografía sobre Analítica web: kpi´s de seguimiento.
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Analítica web: kpi´s de seguimiento
CBS Chicago interviewed one bride who thought she was getting a great deal online, but received a gown that wasn’t anything like the one in the catalog picture. It was lacy, and white, but lacked key details.
The bride ended up spending more than four times as much as she had spent on the dress from a tiny online retailer at a local brick-and-mortar store. The local boutique she visited told CBS Chicago that they often help with failed purchases of deeply discounted formalwear that have gone awry.
In the story on TV, their advice in order to avoid situations like this amounts to “avoid dresses that are much cheaper than they should be.” That’s terrible advice: sample sales and clearance racks do exist. Just don’t expect great bargains to come from an obscure website.
That Wedding Dress Deal Online? It May Be Too Good To Be True [CBS Chicago]
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Una infografía con factores que influyen en las decisiones de compra. Vía
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Factores que influyen en las decisiones de compra
