Tag Archives: Independent

Family Run Tour Operator Feel Galapagos Beats International Travel Brands to Obtain No 3 World Ranking on Independent Evaluation Web site

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United Kingdom (PRWEB UK) three July 2013

In a classic case of David vs. Goliath, Consider Galapagos Ltd, a family run specialist holiday business has beaten off competition from international travel brands like Kuoni, Virgin Holidays and Cox and Kings to be No 3 ranked tour operator in the world on The Assessment Centre. This ranking has been accomplished thanks to a clean sweep of best ratings and rave testimonials from buyers. Think Galapagos firmly believes its strength is down to its size the companys founders can get to know every guest individually and move swiftly to guarantee their requirements are met anything bigger firms are basically unable to do.

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Think Galapagos, which organises tailor-created and modest group trips to the Galapagos Islands and Ecuador, has seen the organization go from strength to strength with year on year development throughout the recent recession and turnover virtually tripling because 2011.

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“We have had a great few years. Much of our development has come from word of mouth recommendation from happy guests as nicely as our web site. A trip to the Galapagos Islands is the holiday of a lifetime for most of our guests and people truly appreciate the personal touch and detailed expertise of Ecuador and the Galapagos that we can give them as a small specialist organization. Simply because weve spent years living and working in the region, our recommendations come from personal knowledge rather than a personal computer,” said Rachel Dex, who founded Feel Galapagos together with her husband Santiago Bejarano, 1 of the best naturalists in the Galapagos Islands.

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The Galapagos Islands are probably the most renowned wildlife-watching location in the globe and top numerous peoples holiday want lists. A living laboratory of evolution where birds and animals have no fear of humans, from the iconic giant tortoises, to flightless cormorants, marine iguanas and sea lions, the fearlessness of the animal life in Galapagos is astounding.

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According to Santiago, who personally leads a number of group trips out to Galapagos and Ecuador each year for their guests, one more crucial issue in the companys accomplishment is that all the yachts, hotels and lodges that they operate with have all been handpicked for their person qualities. The business also has a group of prime notch bilingual guides on the ground in Ecuador and Galapagos who appear following the guests from the moment they arrive in Ecuador.

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Comments in the evaluations, on the The Assessment Centre which have earned Believe Galapagos a five-star rating prove just how specialist and dedicated to individual service the team at Believe Galapagos is:

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“Believe Galapagos thought of everything! We are Canadians who travelled with this British based business and can’t praise the trip too hugely. The all-natural beauty of the Ecuador rainforests and the Galapagos Islands are properly documented. Travelling with “Think Galapagos” produced this the trip of a lifetime.

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“An totally brilliant holiday! I cannot suggest Feel Galapagos hugely adequate! The meticulous organisation and attention to detail was superb and I had the most wonderful holiday with so a lot of marvellous, memorable and breath-taking experiences

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“From our really 1st speak to, Believe Galapagos ticked all the boxes. We have not come across one more firm which has taken so much problems creating positive we had the expertise of a lifetime.”

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five-star Development: Tripled Turnover and the launch of Believe Peru

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In order to cope with the growing demand for their holidays, Feel Galapagos, initially just husband and wife group Rachel and Santiago, have doubled their employees in the last few years. In late 2011, they had been joined by Theresa Buckle to assist look soon after tour administration and make certain the smooth operating of the workplace. Then in late 2012, Johnny Ogilvie, a self-confessed Latin America addict came on board to aid run a new branch of the firm, Feel Peru.

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Set up to satisfy the growing demand of their Galapagos guests for personally tailored tours of Peru, Consider Peru provides the exact same level of individual service as Feel Galapagos, enabling guests to discover the wonders of Peru such as Machu Picchu with specialist guides and hand-crafted itineraries, put together by specialists in the UK and on the ground in Peru. Think Peru officially launched in February 2013 when its website http://www.thinkperu.co.uk went reside.

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Editors Notes:

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Feel Galapagos Little Group Trips&#13

Several of the glowing guest evaluations come from those who have been on one particular of Believe Galapagos Small Group Trips. Run twice a year in Might and November, these trips are ideal for singles, couples, households or groups of pals who want to travel with a tiny group and get to know every other and their guide over the course of their trip. A important point of difference for Feel Galapagos is that Santiago Bejarano, co-founder of the company and native Ecuadorean personally accompanies every trip.

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Feel Galapagos the background story! &#13

Wildlife photographer, naturalist and specialist guide Santiago first worked in the Galapagos Islands in 1992. Considering that then, he has shown the special flora and fauna of the archipelago to hundreds of guests ranging from Andy Summers of The Police, a princess from Borneo, a prince from Bavaria and Desert Island Discs presenter Sue Lawley. It was in the Galapagos that Santiago met his wife Economics graduate Rachel Dex who was in the Islands conducting a mystery shop of yacht organizations a role she was fortunate to find whilst travelling about Central and South America. Following that Rachel moved to Quito, where she worked as a Foreign Correspondent for The Economist, BBC and Bloomberg News. They returned to the UK with their young family in 20005 when they launched Consider Galapagos.

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The subsequent Think Galapagos little group trip is in November and is focussed on exploring in depth the wildlife of the Islands, in specific the Giant Tortoise. The trip will enable guests to see the tortoises in the wild and also meet professionals from the Charles Darwin Analysis Station on Santa Cruz Island who are operating to conserve the tortoise populations in the archipelago.

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Far more details on this trip and Believe Galapagos can be found at: http://www.thinkgalapagos.com.&#13

For far more information, please contact Rachel Dex on 01482 872716 or information(at)thinkgalapagos(dot)com.

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Homeowners Wronged By Banking Fraud Are Missing Their Independent Foreclosure Assessment Letter and Gaining Mortgage Aid and Reimbursement Funds

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Minneapolis, Minnesota (PRWEB) June 26, 2012

Property owners can uncover support for foreclosure action taken between January 1, 2009 and December 31, 2010. Diverse from the $ 26 billion National Mortgage Settlement, the Fed has essential the 14 major servicers to hire independent consultants to make fair and impartial suggestions for monetary remediation for impacted borrowers. U.S. federal bank regulators, the Board of Governors of the Federal Reserve Technique and the Workplace of the Comptroller of the Currency (OCC) are pushing out new details on the system, new reminders, and have newly appointed members to serve our housing recovery efforts.

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The Federal Reserve has extended the deadline for Independent Foreclosure Evaluation applications to September, 30, 2012. In addition, a economic remediation framework was released on June 21 that offers examples of errors in foreclosures covered by the regulators consent orders in the April 2011 regulations. Residence Destination finds home owners are quicker to engage the Independent Foreclosure Assessment System after they comprehend it much better.

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New information add to the OCC site on June 21, 2012 states, “Remediation may contain suspending a pending foreclosure or rescinding a completed foreclosure, offering lump-sum payments, reimbursing improper costs plus interest, supplying a loan modification, and correcting credit reports and other errors in the borrowers records.”

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For homeowners who have shied away from the complaint approach pondering reimbursement funds are as well low, it may properly be worth the effort. The OCC says, “lump-sum payments can range from $ 500 for lesser injuries to $ 125,000 plus equity in the most egregious instances.” &#13

Anna Alvarez Boyd, of the Federal Reserve spoke in a recent video to help mortgage borrowers gain and not miss out on offered support. It is free of charge beware of anybody asking you to pay for your Independent Foreclosure Overview.

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Several wronged property owners are missing out on recognizing their chance for aid. According to the OCC, by February 20, 2012, only 90,000 eligible property owners had submitted claims. Surprisingly, these funds for struggling property owners are going largely unnoticed. Only a fraction of the four.four million home loan borrowers potentially eligible for overview have responded to solicitation letters sent out by the banks. As of Might 31, only about 340,000 cases have been slated for overview, according to a progress report released for June by the Fed and the OCC. Via May possibly 2012, almost four.4 million folks were sent letters explaining how to request a free of charge assessment of their loan files. Only 136,000 or three percent of qualifying borrowers who have been contacted have asked for the independent review.

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Reminders of the original letter informing homeowners that they are eligible for a review by an independent consultant and might be compensated are getting sent. Home owners qualify if:&#13

You sent your loan payments to one particular of the mortgage servicers participating in this method. &#13

The action to foreclose on your home was initiated, pending, or completed in between January 1, 2009 and December 31, 2010. Nevertheless, your property did not have to be sold to be eligible for the assessment. &#13

The foreclosure occurred on your principal residence, which is the property where you lived for most the year. You do not need to reside there now to be eligible for the review.

Jenna Thuening, owner of Property Location, finds that, some concerned that borrowers who get the evaluation form in the mail might not recognize it as a legitimate document. We are hoping that as the OCC releases yet another round of marketing and outreach to encourage borrowers who were victims of wrongful foreclosure to comprehensive the forms, that we will see far more property owners send them in.”

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Even if mortgage borrowers didnt file a request for overview, they might be sent receive a letter and overview kind. Consultants are reviewing files from every servicer to uncover borrowers who suffered monetary injury due to the fact of foreclosure errors and sending the letters out. Servicers will be needed to compensate all injured borrowers identified as component of this assessment.

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Home owners can submit their application for the Independent Foreclosure Review online at http://www.IndependentForeclosureReview.com. To make it less complicated, the OCC says, “There have been a quantity of changes made to integrated claims process to guarantee a single, uniform method among the servicers”.

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Serving the housing recovery and property owners, yesterday, The OCC announced that Carrie Moore has been named Director for Congressional Liaison. Also, yesterday Federal Reserve Chairman Ben S. Bernanke presided more than a meeting where Jeremy C. Stein and Jerome H. Powell had been formally sworn in as members of the Board of Governors of the Federal Reserve Program.

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Home owners might speak to Home Destination at 612-396-7832 for additional help to file or respond to an Independent Foreclosure Overview.

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Related Loan Modification Services Press Releases

Independent Foreclosure Review Checks Cashed Or Deposited Successfully Total two.3 Billion

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Minneapolis, Minnesota (PRWEB) Might 26, 2013

The Office of Comptroller on the Currency (OCC) just released news that Foreclosure Evaluation compensation checks currently cashed or deposited add up to $ 2.3 billion, as of Could 23, 2013. As efforts continue to correct foreclosure poor practices, property owners who uncover they have a good check to money are glad they are not bouncing as preceding ones have.

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“Numerous of the Independent Foreclosure Evaluation check recipients are property owners who had to face and make some truly hard choices along the way. Although it is possibly not enough to be a deposit down on yet another house obtain, it can help start saving toward that finish. The checks are an acknowledgment that a genuine concern exits to help cease foreclosure wrongs and put some funds back into the hands of these who may possibly have born the unnecessary burden of losing their home,” states Jenna Thuening, owner of Home Destination.

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The effectively cashed or deposited checks total nearly $ 2.three billion by means of May 23, 2013. All round, more than three.9 million individual checks have been sent out to eligible borrowers, totaling far more than $ 3.4 billion. The OCC press release stated a guarantee also: “A final wave of checks that required additional details from the borrower will be issued in the course of the summer season.”

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In an work to correct foreclosure practices in the really sensible manner of compensating struggling households hurt in some manner by a foreclosure activity, the payments will range from $ 300 to $ 125,000, according to the OCC updated net page. The very first wave of Independent Foreclosure Evaluation checks was released on April 12, totaling 1.four million in dispersed checks. The final wave is anticipated in mid-July 2013. Far more data posted April 9, 2013 can be found on the OCC site below the heading “Payments to four.two Million Borrowers Covered by Foreclosure Agreement to Start April 12”.

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To make certain that the checks are being cashed by the intended recipient, institutions exactly where the checks are presented are sent notice that to assist avert fraud, foreclosure checks call for optimistic identification before cashing or depositing. According to the OCC, guidelines are supplied clearly on the back of the checks to assist banks validate authenticity.

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Minnesota Foreclosure Review checks are arriving in the mail to designated property owners from the Independent Foreclosure Evaluation settlement paycheck fund to compensate homeowners who have been impacted by foreclosures in 2009 and 2010. According to the Workplace of Lawyer Basic Lori Swanson, two diverse sources are sending foreclosure compensation checks and they need to not be confused. “There is a separate, additional settlement between a quantity of banks and the Office of the Comptroller of the Currency and the Federal Reserve.”

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“Rust Consulting is also the Settlement Administrator for that settlement, and some payments have recently gone out under that settlement. Please know that this settlement is not connected to the National Mortgage Settlement, and if you are eligible for a payment under the National Mortgage Settlement, you will obtain another check from Rust Consulting. We recognize that Rust Consulting will not be sending out checks in the National Mortgage Settlement until June 2013 at the earliest,” explains the Minnesota Office Of Attorney Basic.

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Rust Consulting acknowledged a “clerical error” triggered some checks to bounce in a Might 8th press release titled “Rust Gives Update on Independent Foreclosure Evaluation Settlement Payments”. Rust receives no benefit from uncashed checks or remaining funds in the IFR fund and has handled more than 100,000 calls currently in an try to answer questions and soften issues.

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Queries pertaining to receiving a check must be addressed directly to Rust Consulting. Rust Consulting is designated by the Federal Reserve and the OCC to be the one to respond to correspondence required about Foreclosure Review Checks being cashed or deposited, or any other associated questions. Inquiries can be made by calling 1-888-952-9105, Monday via Friday, eight a.m. – ten p.m. or Saturday, 8 a.m. – five p.m.

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Concerns to help cease foreclosure, or for ideas to avoid foreclosure or how to navigate in the Minnesota foreclosure timeline, get in touch with Property Destination at 612-396-7832 to achieve guidance. Jenna Thuening helps each purchasers and sellers make Twin Cities true estate choices and is committed to support families keep powerful collectively and remain in their homes if facing foreclosure.

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More Administrator Press Releases

Independent Foreclosure Review Compensation Checks Stun Recipients

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Minneapolis, MN (PRWEB) May 09, 2013

According to a May 8th Bloomberg report, Rust Consulting of Minneapolis, the agent responsible for compensation checks according to the Independent Foreclosure Review (IFR) Payment Agreement, said yesterday that “a clerical error led to some borrowers in the May 3, 2013, wave of payments being sent checks for less than the amount that the Federal Reserve directed those borrowers to be paid.” Rust has corrected the mistake and announced its intentions to mail supplemental checks to affected borrowers as soon as May 17, 2013, making up for the insufficient amounts qualifying homeowners were to be paid.

“Concerned recipients will have a letter explaining the reason for the error will be included with the supplemental check,” says Jenna Thuening, owner of Home Destination. “Many caught in the Minnesota foreclosure timeline are eager to gain some sense of closure to the hardships following losing their homes.”

4.2 million individuals are or will gain the Independent Foreclosure Review compensation checks they have been waiting for. Regulators are dividing $ 3.6 billion in payments among the qualifying recipients; of these, 2.4 million homeowners are receiving $ 300. The correct total foreclosure reimbursement amounts are categorized on the Federal Reserve Boards website.

The recipients of the foreclosure compensation checks are mortgage loan borrowers whose homes were in any stage of a foreclosure process during 2009 or 2010, and whose mortgage servicers were among the 13 companies, or their subsidiaries or affiliates. Compensation checks began to go out in the mail April 12.

According to the OCC website, regulators at the Office of the Comptroller of the Currency and the Federal Reserve board announced that all 4.4 million people who received a foreclosure notice in 2009 or 2010 could expect to receive a compensation check, regardless of whether they suffered any harm or were wronged. All things being even, the $ 3.6 billion allocated to the indicated homeowners would find a medium of everyone gaining a check just over $ 800.

Eventually, regulators established 11 categories in hopes to extend more money for homeowners who suffered greater harm. A “completed foreclosure” of a borrower protected by bankruptcy law, for example, would yield at minimum a $ 31,250 payout. Others would receive just $ 300, states Business Wire in a press release titled “Rust Provides Update on Independent Foreclosure Review Settlement Payments”. The Fed acknowledges the erroneous compensation payments have been sent, and says they will be corrected.

The OCC offers details of the IFR compensation categories. However, a recent GOA assessment of the process indicates tangles in the job and suggests lessons that can be learned from the process.

Questions remain as to the description of exactly what situations fall into which categories. The “Other ($ 3,000 & Up)” category comprises significant numbers that are unspecified.

In January, legislators seeking to help stop the foreclosure crisis, including Representative Maxine Waters,Senator Robert Menendez, together with Representatives Brad Miller and Luis Gutierrez, requested that the Government Accountability Office (GAO) monitor the Independent Foreclosure Review process. On April 17, 2013, the GAO issued its second report on the topic, unveiling a list of shortcomings. The report revealed that although regulators publicly released more information on the foreclosure review process than is typically disclosed in connection with a consent order, key elements of communication are missing, explaining why compensation checks stun recipients.

Compensation Categories As Outlined By The Regulators:


Modification Request Approved ($ 300 – $ 500)

Modification Request Denied ($ 1,000 – $ 6,000)

Modification Request Received – but no underwriting decision made ($ 400 – $ 800)

Servicer Did Not Engage With Borrower – in a loan modification or other loss mitigation action ($ 300 – $ 600)

Other Loans ($ 300 – $ 500)

Other Loans ($ 3,000 – $ 125,000)

Questions about the status of the check or any other inquiries regarding the Independent Foreclosure Review should be given to Rust Consulting; as they are the paying agent for the Federal Reserve Board. Rust Consulting is the agency intended to handle questions and provide answers. The Federal Reserve Board promises to continue monitoring the payments closely and encourages borrowers who have concerns or experience difficulties cashing their checks to call Rust at 1-888-952-9105.

Home Destination is a Certified Distressed Property Expert who is passionate to help Minneapolis real estate sellers and home buyers enjoy their homes; gaining a compensation check timely and in full may be part of that. Call 613-396-7832 for guidance.







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