Browse Month

January 2018

End of January Review

So that is the end of the first month of this year and what a month it has been, if this one is anything to go by then we are going to be in for a busy year. So let’s have a quick look at some of the main events.

We start with two stories published this week, the first is a quick update on the website of Worldwide Timeshares Unlimited.

Yesterday RCI thanked Inside Timeshare for reporting the use of their logo, they confirmed that it is being used illegally and their legal department had been informed. Today when checking the website the RDO and Expectations Holidays logo’s had been removed, unfortunately the Canarian Legal Alliance logo and copied news section are still showing. CLA have been informed.

It has also come to our attention that Antoni “Toni” Muldoon also has another website:

http://www.scam-busters.co.uk/

Supposedly to help people being scammed by the likes of him, one does have ask the question, is he the reformed character he makes out to be or is this just another way of getting your money?

spots

Regarding the Anfi letter to UK members and the use of the BBC program Rip Off Britain, we had the opportunity to see the program for ourselves, the “lawyer” named on the program was one Emilio Leyes Catillianos at the address Calle Duque de la Torre 29, 114, Santa Cruz, Tenerife, is the very same one that Inside Timeshare first reported back in July and September 2016.

That address is actually for the Oficina del Servicio de Atención Ciudadana, similar to the Citizens Advice Bureau.

CAB Arona

This particular “lawyer” was part of the Litigious Abogados setup, which is one of those Inside Timeshare provided evidence to CLA for their denuncia to the Guardia Civil in February 2017, (see link to CLA website to view a copy of the denuncia):

https://www.canarianlegalalliance.com/fraud-alert/

The sad thing is the program is too late to highlight this as the website has already gone and been replaced with many new names, the latest was published here on 8 January, Abogados Canarias, with the main “lawyer” named as one Manuel Cilavoz Varintos. I would say that their research team has a lot to learn or is the program just there for entertainment purposes?

Since the start of this year the US articles many written by Irene parker, has resulted in 38 complaints received by Inside Timeshare and dealt with by our US team (all volunteers). Since we began actually counting the number of complaints received at the end of 2016, the US team led by Irene has dealt with 291 complaints. Again what does the rest of the year hold in store?

Also at the beginning of the month we reported that Trading Standards had raided several offices of the Mark Rowe owned companies which include Sellmytimeshare.tv ABC Lawyers and his Monster Credits enterprise. We have now been informed that South West Police are contacting clients of his various companies, so it certainly looks like a major criminal investigation is taking place.

We are also still waiting to hear about the sentencing of Dominic and Stephanie O’Reilly of EZE Group, this was supposed to take place this month at Birmingham Crown Court.

Another article published this month was Spanish Timeshare Laws Simply Explained. This was in response to many enquiries from timeshare owners who had been contacted by various firms stating they had a claim, or their timeshare company was being taken to court and they could join in the case. The main point of the article was unless your timeshare was purchased in Spain you will not have any claim, it also pointed out that even if you did purchase in Spain your particular contract may be legal and therefore there is no claim.

Inside Timeshare also welcomed Lisa Ann Schreier with her first article. Lisa is a well known figure in the US, she is also the author of the book Timeshare for Dummies, we look forward to more contributions in the future.

lisa ann

These are just some of the stories published this month, we end with news just in from Canarian Legal Alliance.

It looks like they have had a tremendous start to the year as they announced that they have received favourable judgements in 14 cases against these resorts:

Anfi, Silverpoint, Puerto Calma, Palm Oasis and Diamond International.

These cases have been heard in various courts around Spain, ranging from First Instance, High Courts and Supreme Court. The latest being a Supreme Court ruling against Palm Oasis making the total figure for rulings from Spain’s highest court to 86!

The total amount awarded by the courts in these cases is staggering 267,224.25€ so there are some very happy ex-timeshare owners.

Inside Timeshare would like to thank all those who have contributed to all the articles this month and all the readers who have supplied some of the information which has helped in the research.

Again if you have any questions about any of the articles published or need any help in determining if the company you may be thinking of doing business with is legit, contact Inside Timeshare and we will point you in the right direction.

The Tuesday Slot with Irene

Welcome to another Tuesday Slot with Irene, this weeks article is the first of a series which will cover some useful tips on how and who to file a complaint with, but as usual a quick look at Europe.

beware

Yesterday Inside Timeshare published an article about Worldwide Timeshares Unlimited based in Lowestoft Suffolk, with the website

https://www.timeshares-unlimited.com/

Registered to the “infamous” Antoni “Toni” Muldoon.

On the website they show 4 logo’s, RDO, RCI, Expectations Holidays and Canarian Legal Alliance, according to the website they claim to work closely with CLA, even having “cut & paste” copies directly from the CLA news section.

Inside Timeshare has had confirmation from the RDO, Expectations Holidays and Canarian Legal Alliance that they have no knowledge or ties with the said company or website. RCI have also been informed, but as yet no reply has been received, but it is safe to assume that they have not given any permission for their logo to be used.

This just goes to show that you cannot believe what you see or read on the internet, just because a website shows a logo or states they work closely with a company or organisation that it is true. Always do your homework, check any company fully before engaging in business, check that their claims to work with or are affiliated with others is genuine.

It would also appear that Anfi is once again on the offensive, this time they have been sending out emails to UK members regarding a recent BBC TV program Rip Off Britain. In this program they travelled to Tenerife to investigate a “fake” law firm, one that Inside Timeshare has been investigating and reporting about for the past 2 years.

Although this is laudable, it is the tone of the email that is the problem, rather than actually naming the “fake” law firm, it has been left open and vague, giving the impression that all law firms dealing with timeshare claims are not genuine.

It is obvious from past emails from the CEO José Luis Trujillo, that the aim is to discredit the Arguineguin law firm Canarian Legal Alliance. These lawyers have been instrumental in securing 84 Supreme Court rulings against various timeshare companies, with 39 against Anfi alone.

On the point of the “fake” law firm in Tenerife, Inside Timeshare was asked to provide CLA with any evidence it possessed, to augment their own, as some of their clients had been contacted by this Tenerife outfit. Our evidence along with that from CLA was then handed to the Guardia Civil along with a denuncia, this is now under investigation.

It has also been a little quiet at the courts so far with only one sentence being reported, once again Anfi are the culprits.

The Court of First Instance in Maspalomas declared another Anfi members contract null and void, ordering that over 55,000€ which also includes a double deposit be returned to the client, the court also awarded legal interest.

It does make you wonder who is telling the truth, Inside Timeshare leaves you the reader to decide based on the evidence presented.

truth meter

Now on with this weeks article from Irene Parker.

Timeshare Tips

Due to an Escalation in Volume and Criminal Nature of Complaints

White collar

By Irene Parker

January 28, 2018

IT Timeshare Tips #1

Inside Timeshare has received an astonishing number of reader complaints. Since January 1, 38 timeshare members have contacted us. Since we began counting late 2016, 291 complaints. The majority voice allegations that clearly meet the FBI definition of white-collar crime, Financial Institution Fraud.

https://www.fbi.gov/investigate/white-collar-crime/mortgage-fraud

Timeshare members should only contact the FBI if the allegations are of a serious nature. For example, “They promised me a cruise, but when I went to book it, it cost $1,000” is not a serious enough allegation. A free cruise that turns out not to be free is a frequent complaint, but would be best reported to the Better Business Bureau in the form or a complaint or a review.

Here is an example of a complaint that has been reported to the FBI and to BBB:

We were sold vacation points fraudulently by XXX sales agent SXXX MXXX Jan 2017 at GBO Resort. We went to a sales presentation. We met with sales agent S M, and told him our biggest complaint was the maintenance fees. Mr. M told us if we bought 3000 more points, to get to 5000 points, we would become Highest Loyalty Level members and we would be able to sell back points to pay maintenance fees at $.50 per point.

Criminal Complaint #1: The Highest Loyalty Level requires 50,000 points

Criminal Complaint #2: There is no program to sell back points to pay maintenance fees

He said, “You do this at the end of the year”

Criminal Complaint #3: By telling the victim to wait until the end of the year, and by not allowing access to the booking site until after the contract rescission period, the agent and/or company can dodge the rescission period.

He said this would be enough to pay all our maintenance fees.

This was what really sold us on the program.

Mr. M also said beginning in January of 2018 there would be a “cash out” option where XXX Timeshare Company would offer to buy our timeshare if we were not happy, we would probably take a loss, but we would be free and clear.

Criminal Complaint #4: There is no buy-back program

Thank you for using the Better Business Bureau’s Online Complaint System.

busted

As this is an active complaint, we will not publish the name of the timeshare member, the timeshare company, or the sales agent, to give the company a chance to make this victim whole again.

Most importantly, do not respond to anyone who private messages you, calls or emails offering to help you get out of your timeshare. Contact Inside Timeshare or your Facebook admin if you are contacted. Teams have been established to gather information to make a determination as to whether the company is legit. Most are not.

There is no federal enforcement other than timeshare advocacy groups. State enforcement is spotty at best. Contact Inside Timeshare or one of these U S advocacy groups we know not to be industry influenced.

We seek to provide timeshare members a way to proactively address membership concerns; to advocate for timeshare reform; to obtain greater disclosure from the company; to advocate for a viable secondary market; and to educate prospective buyers.

https://www.facebook.com/timeshareadvocategroup/

https://www.facebook.com/groups/DiamondResortsOwnersAdvocacy/

https://tug2.com/Home.aspx

https://www.facebook.com/groups/180578055325962/

https://www.facebook.com/groups/465692163568779/

https://www.facebook.com/groups/1639958046252175/

Thank you to Irene and all those who proofread and edit the drafts, this article should prove to be very helpful to many of our US readers.

If you require any information about this or any article published, or just need help to decide who to trust and how to check them out, contact Inside Timeshare and we will point you in the right direction.

Remember to do your homework and stay safe.

calm homework

Start the Week: Important Consumer Warning

In May 2016, Inside Timeshare published a story about one of the most “Infamous” operators in the timeshare “Resale Scam” industry, Toni Muldoon.

Muldoon operated on the Costa del Sol for years with a number of companies mainly in the timeshare resales sector. One of these was Platinum Properties, which I have personal experience of, as this was the company which introduced myself to the murky world of timeshare.

toni muldoon

He was eventually jailed for 2 years by the Spanish authorities, this was eventually suspended, he was also ordered to repay the paltry sum of around £438,000. Whether this was paid no one knows.

Muldoon then ended up in the UK, operating in Suffolk, he set up an “Escort agency” fleecing girls to join. They apparently never got any work, around 14,000 fell for this scam.

At the same time he was operating a “debt” elimination scam, which for an upfront fee of around £2,000, with upwards of 3,000 people falling for it. According to Trading Standards around 92% of these never received any service whatsoever.

He was again investigated and charged and in 2013 he received a 7 and a half year prison term, with the order to return over £750,000 being given 6 months to pay or face a further 4 years.

Muldoon was due for release with parole at the end of 2016, so that now brings us to a very disturbing fact, it looks like he is back to his old ways.

 

Another company has just come to our attention, Worldwide Timeshares Unlimited, with the  website:

https://www.timeshares-unlimited.com

This website was registered on 19 February 2016 to Antoni Muldoon with an address in Croydon. So it would seem that this scheme was being hatched even before his release from jail.

There are no entries at Company House for either of the two names and the director check for Antoni Muldoon only brings up a defunct entry for a previous company.

The address for Worldwide Timeshares Unlimited is

11 Cornerways

12 Kensington Road

Lowerstoft

Suffolk

NR33 0HY 

 cbk

(The Spelling of Lowestoft in the address is not our spelling, that is taken directly from the website).

Telephone numbers are:

Buyers:       UK: 01502534622

Mon – Fri 9.30 – 20:00

Sellers :       UK: 07716737960

Mon – Fri 09:30 – 18:00

All other Enquiries :  UK: 07495309393

The websites home page starts with “Welcome to Worldwide Timeshares  Unlimited®- Europe’s leading timeshare resale company.”

So the main focus of the business is sales and resale, the worrying aspect is they show the Logos for the RDO, Canarian Legal Alliance, RCI and Expectations Holidays, which is a new RCI points club from Worldwide Timeshare Hypermarket.

According to the About Us section they state: “We work closely with Canarian Legal Alliance, Canarian Legal Alliance is a new innovative law firm which provides a comprehensive range of services to international clients wishing to pursue legal disputes in Spain.”

CLA Logo

The website also has a section dedicated to Canarian Legal Alliance, this is made up of  exact copies (cut and paste) of the entries that CLA have on their News section on their own website.

This only leads us to believe the sales and resale side is just a ruse to try and “cash in” on the growing claims market.

Inside Timeshare has spoken with Canarian Legal Alliance and they have stated they have no knowledge of this company and are most definitely not working with them. They have not given permission for their logo, news items or name to be used.

So if this is the case with CLA, what about the use of the logos for RDO, RCI and Expectaions Holidays, we can only assume at this point they also have not given any permission to use them. As for the RDO, they have been contacted and we are waiting a response. One thing is certain, unless you are a member of the RDO then no permission will have been given to use it.

Inside Timeshare warns all our readers to always check the validity of any company they intend to deal with, if they claim they are working with another firm especially a law firm check that fact as well.

If you have had any contact with or from this new “Muldoon” enterprise contact Inside Timeshare with your story. It will help to warn others.

Below are links to the original article and news items surrounding Toni Muldoon and his exploits:

http://insidetimeshare.com/toni-muldoon-duping-innocent/#more-545

http://www.thisismoney.co.uk/money/article-1387056/Timeshare-crookToni-Muldoon-pleads-guilty.html

https://www.mirror.co.uk/news/uk-news/bogus-dating-agency-gang-finally-2060931

http://www.bbc.com/news/uk-england-suffolk-30554942

homework

Since publishing the RDO have confirmed that the use of their logo is illegal as no permission has been given.

 

Friday’s Letter from America

Welcome to this weeks Letter from America, the last one for January, hard to believe that the first month of the year is almost over.

We started the week with a report about disgruntled members being unable to book weeks they want, even 10 months in advance, despite just having paid the maintenance / management fees for 2018!

In this case the culprit is Anfi, but we have also heard from other “points and floating week” members that they also have trouble booking, Diamond owners from both side of the Great Lake are having the same problem. Well we all know what the reason is, more members than weeks available.

Sticking with Diamond for a moment, they are in the process of sending a letter out to their members, (just like Anfi has) regarding making claims against them for illegal contracts. In their letter however they point to a website to get information on companies that their members have had contact with. This is timeshare business check, an arm of Kiwkchex alon with Timeshare Taskforce and financed by the RDO and the industry in place of mindtimeshare and the enforcement program.

This company is directed by Chris Emmins, who is what can only be described as a serial failed director. (See the link below). This company purports to be a leading investigation and verification service which provides “accurate” information about online businesses. They contact businesses and ask questions, these businesses have no legal obligation to respond, as Kwikchex and timeshare business check have no legal mandate to demand any answers.

Obviously if a business fails to respond an inference is then made on the website which is negative, especially if the business in not a member of the RDO! We leave it for you to decide how accurate they are.

http://insidetimeshare.com/kwikchex-chris-emmins/

This then brings us on to Thursday’s article, regarding “Trade Bodies”, although it started with a little bit of a “mickey take”, it was however a very serious article with information timeshare consumers need to know. Timeshare is built on deceit, just think of what you were told when on the presentation, being bamboozled for several hours with promises which in the end never materialised. So is it any wonder the industry is still trying to pull the wool over your eyes?

So now on with our Letter from America by Irene Parker.

January Report

32 Reader Timeshare Complaints Received in 2018

jan rep cover

By Irene Parker

Friday January 26, 2018

No one is disputing there are many who use and enjoy their timeshare. It’s true those that do are not the timeshare members that contact us. However, the number of timeshare complaints Inside Timeshare has received is alarming and the nature of most allegations criminal. Of the 32 complaints received as of January 25, six would be eligible to be a Nightmare on Timeshare Street article.

On a positive note, those working in law enforcement, especially those who have timeshare complaints, have been helpful. One member of the military was able to record their fraudulent sales presentation. This past Tuesday’s article described nine Timeshare Advocacy Group™ teams and those teams have been hard at work.

http://insidetimeshare.com/tuesday-slot-irene-7/

One of the teams is working on technological support, as I am technologically challenged, and the other is our timeshare exit scams team that has been in overdrive as they learned two out of five “let us get you out of your timeshare” entities reported this week exhibit criminal tendencies. Two others are suspect, but the team could find no concrete evidence of criminality.

progress

32 Reader Complaints received

  • Complaints #1, #3, #10, #12, #15, and #20 were against the same sales center. This makes 40 complaints received against the sales center,
  • Five are active duty military, retired or served in the military,
  • Four are disabled,
  • Three are in, or were, in  law enforcement,
  • #6 is the fourth member to direct a complaint against the same sales agent.
  • #1, #2, #3, #6, #10, and #11 meet the criteria for Nightmares on Timeshare Street.

Due to the increasing number of complaints, we request you schedule a call at either: 1, 2, 3, or 4 PM EST rather than just call between the hours of 1 to 4 EST if you have questions about our complaint form.

The Cliff Notes version of the complaint process.

  1. Write out your complaint and send to the timeshare company.
  2. If you are denied, write a rebuttal and file a complaint with the Better Business Bureau if you feel services provided were not as described, or have a complaint about sales and marketing practices. 
  3. File complaints with the Attorneys General of the state where you live, where you signed, and the headquarter state of the timeshare company.
  4. Although weakened, complaints can still be filed with the Consumer Financial Protection Bureau.
  5. If you feel you meet the definition of white-collar crime defined as “deceit concealment, violation of trust and bait and switch”, file with the FBI orally by calling your local field office through the FBI public access line, and with IC3.gov online. “They promised me a cruise but it cost $1000” is not enough of a crime to report to the FBI. Any of our Nightmares on Timeshare Street members would qualify. Scroll through those articles for examples.
  6. File a complaint with the state real estate division against the agent, if you complaint is directed against an individual agent.     

Thank you to our 46 core advocates (two more have been added since we published Tuesday) as we stick together and work together to be made whole again. Too many families contacting us are financially devastated, some taken advantage of because of their disability, as in the case of parents caring for a three year old diagnosed with cerebral palsy, on a feeding tube, a little guy that earned the privilege to be a case study at Stanford.

There is no federal enforcement, state enforcement is spotty, and so the hamster wheel of recycled inventory, as one former sales agent describes it, rolls on. Sometimes it does feel hopeless, but like #metoo, also silenced and isolated by non-disclosure agreements, we will fight around it and we will not stop. Thank you to the members of the armed forces and law enforcement who have my back.

US mil seals

Charles Thomas, also a veteran, over a beer with one of our readers, said Irene sounds angry. While the soon to reach 300 complaints I have heard doesn’t seem to bother customer service representatives, our advocates and I are astonished at the frequency and level of deceit. Repeat offenders continue to flourish. Pay the fine and move on. I haven’t been quite the same since I learned of a Marine who lost not only his security clearance, but his air unit command as the result of a timeshare foreclosure due to his allegations of fraud.

As always, contact Inside Timeshare or a member of a member sponsored US support group, if you have a question or concern about your timeshare.

mission

We seek to provide timeshare members a way to proactively address membership concerns; to advocate for timeshare reform; to obtain greater disclosure from the company; to advocate for a viable secondary market; and to educate prospective buyers.

https://www.facebook.com/timeshareadvocategroup/

https://www.facebook.com/groups/DiamondResortsOwnersAdvocacy/

https://tug2.com/Home.aspx

https://www.facebook.com/groups/180578055325962/

https://www.facebook.com/groups/465692163568779/

https://www.facebook.com/groups/1639958046252175/

 

Thank you Irene for that report, it is actually quite staggering that we are only at the start of the year and yet there have been that many complaints received. It certainly prove a point that the industry does need a major shake up.

 

If you have any questions or concerns regarding your timeshare or need information on any company that you may intend doing business with, Inside Timeshare is here to help.

Friday is here so have a good weekend.

friday dog

 

 

A New Member to EGTBW (Rewritten)

Back in June 2016 Inside Timeshare published the following article, it started with a “Spoof” Trade Body which Inside Timeshare had just become a member of. Due to some of the articles we have published recently it was decided to republish this article as a warning that even “Trade Bodies” cannot be relied upon to give consumers the best advice or even tell the truth. (The article has also been amended from the original).

Although the article starts with some humour the message is very real, we hope that you enjoy reading it.

Inside Timeshare is proud to announce that it has been invited to become a member of the prestigious trade body EGTBW. This is the European Guild of Timeshare Blog Writers, it is affiliated to the IATBWG, the International Association of Timeshare Blog Writers Guilds.

Becoming a member means that Inside Timeshare must adhere to the Code of Conduct and Ethics of this Organisation.

  1. Members must not attack, make detrimental comments or otherwise demean any organisation that is a member or affiliated to EGTBW or IATBWG.
  2. Members must adhere to the laws of the EU, or the country of registration. Unless we can get away with it.
  3. The EGTBW and IATBWG will not mediate in any dispute between a member and non-members.
  4. If any organisation or entity has a complaint about a member of this organisation it must be taken directly to the member concerned.
  5. Any member may lie or spread false information about any non-member, citing freedom of speech and expression.
  6. If any action is taken against a member, both organisations will fully support that member, no matter what it has done wrong.
  7. Members may display both the EGTBW and IATBWG logos on all promotional material, correspondence and websites.

This Logo is a sign of quality and is a kite mark of excellence.

So there we have it Inside Timeshare has paid its £20,000 a year membership fee for the full protection and backup of these prestigious organisations. It now means we can do what the hell we like, so there!

If this was not a joke it would be farcical but unfortunately this is all too real in timeshare. On a daily basis we see owners and members being treated in the most disrespectful manner, we have also seen numerous court cases against the timeshare industry for breaking legislation.

There is an organisation that is supposed to be the trade body of this industry The RDO, (In the US it is ARDA), but it is its own members that are breaking the rules. What do they do about it? Not a sausage.

rdo-logo

This organisations own code of conduct states that members should adhere to any legislation and laws regarding the sale of timeshare. Yet we see illegal contracts still being sold, deposits being taken on the day, all in breach of EU Directives which are supposed to be in each member state’s laws.

The industry funds this organisation and it does its bidding, it will not even investigate its members when a complaint is made by an owner or member. They say that you must deal with your own resort/company.

They also believe that the press does not research the stories they publish, creating even more of a slur on the industry. Following is a direct quote from their own website under why join the RDO:

“Vacation ownership has been the victim of poorly researched press attention. These articles and broadcasts can cause serious and lasting damage to the reputation of the industry. RDO works on behalf of vacation ownership companies to clear up any misinformation, accusations of sharp business practices and to actively encourage the education of journalists and travel bloggers.”

“We believe that this work directly benefits all businesses in the industry by maintaining buyer confidence in holiday ownership. Additionally, RDO members have the added marketing advantage of being able to display the RDO logo on their marketing material. The RDO logo is a Kite Mark of quality for the holiday ownership industry and enables RDO Members to offer additional peace of mind to their customers.”

So a prestigious journalist such as Tony Hetherington has poorly researched his articles. (It must be pointed out that MacDonald Resorts have not been RDO members since 2005, but these articles highlight a problem that is rampant throughout the industry).

tony hetherington

thisismoney

http://www.thisismoney.co.uk/money/experts/article-2346500/TONY-HETHERINGTON-I-escape-nightmare-sun.html

http://www.thisismoney.co.uk/money/experts/article-2698355/TONY-HETHERGINGTON-Even-death-not-rid-timeshare.html

http://www.thisismoney.co.uk/money/experts/article-2527546/TONY-HETHERINGTON-Timeshare-boss-relents-spite-fighting-talk.html

http://www.thisismoney.co.uk/money/article-1323162/TONY-HETHERINGTON-Death-doesnt-bring-end-timeshare-fee.html

So these are poorly research are they?

On another point, there have been numerous rulings made by the Spanish Supreme Court regarding the timeshare laws, Anfi (an RDO member) have been on the receiving end of these rulings, having contracts declared null and void and huge amounts having to be repaid to consumers. Anfi believe the court has got it wrong, the RDO it seems agrees with them!

For many, timeshare has become a burden, the membership base is aging, new younger members are not being attracted to the concept, hence many sales offices are closing and staff being laid off. Yet those that want to get out of their membership are being held to “ransom”, they can’t sell (no resale market) and can’t get out without paying huge amounts for the privilege.

What does the RDO do about this problem of getting out of the timeshare?

It enhances its “Code of Conduct” for so-called “legacy” cases, or those sold in perpetuity. The rules are not really very helpful and are as follows:

  • In the event of the death of a joint owner, the surviving owner can surrender their timeshare if they wish and additionally, the beneficiaries of a will are not obliged to take on the timeshare if they do not wish to do so.
  • A timeshare owner who has been declared bankrupt may hand back the timeshare without charge.
  • If a sole owner or either of the joint owners is suffering from a long-term illness that prevents them from travelling to their resort for the foreseeable future, the timeshare interest may be surrendered.
  • In all other cases, an owner may surrender their timeshare interest at any time, subject to the agreement of the RDO member. In such cases any surrender fee shall not exceed a sum equivalent to 3 years current maintenance fees.

(Notice it states “Subject to the agreement”)

As the industry trade body, should not the RDO back up these owners and make sure their members act in an ethical manner.

What of TATOC in all this?

tatoc logo

No surprise here, they back the RDO plans to the hilt, after all they are funded by RDO members who pay them to be members of TATOC, all so they can display this organisation’s logo. Oh sorry, it is another sign of prestige, you can trust us we are members of The RDO and TATOC; just look at our logos!

Since this article was first published TATOC has now been totally discredited and forced into bankruptcy. (Search TATOC in the search bar for previous articles). For years this organisation run by the infamous “Harry or is it Henry” Taylor, duped timeshare owners into believing that it was a credible organisation out to protect timeshare owners. It has now been proven that this was not in fact the case, in fact TATOC’s backing of MacDonald Resorts move to transfer their fixed week owners to the infamous points system and become members of a vacation club rather than owners, is a prime example.

We started this article with a spoof, the only thing is this spoof is real when it comes to timeshare. The industry is in decline, its reputation has been sullied, it only has itself to blame, the past greed and belief that they could get away with anything has finally caught up with it. Consumers no longer believe the “sales pitch”, they can see it is not value for money, members see their resorts being rented out to non members on the internet, usually for less than their maintenance fees. Yet the industry and the Trade Bodies cannot see the writing on the wall because they still believe they are right!

Inside Timeshare will continue to highlight any bad practice and report any news within the world of timeshare. If you have any questions regarding your ownership/membership, or need to know which company to deal with, contact Inside Timeshare and we will get back to you.

 

The Tuesday Slot with Irene

Welcome to this weeks Tuesday Slot with Irene, as you will see from her article this week there is certainly a lot going on across the Great Lake. For our US readers there is some very interesting information, it would seem that Inside Timeshare is certainly making an impact on timeshare consumers in the US.

On the European front, yesterday’s article regarding Anfi members complaints regarding availability, the article had a plethora of hits and likes on the associated Facebook page within the first hour. It also seems as though this topic hit home with our US readers as there were many from across the pond.

Yesterday we also had the first court ruling of the week, the Court of First Instance in Maspalomas found against Puerto Calma, declaring the contract null and void. The client in this case will be returned 16,000€ which is the purchase price, along with 3,600€ as double the deposit paid within the mandatory cooling off period. The court also awarded legal interest.

We will be keeping an eye on any latest rulings that come in and report them here, but now on with this weeks article by Irene Parker.

Timeshare Advocacy Group™

Proposed Committees and Support Groups

Volunt

January 23, 2018

By Irene Parker

Inside Timeshare is approaching 300 timeshare reader responses, responding to members asking for assistance with their timeshare concerns since we began counting late 2016. There is a need to scale up Timeshare Advocacy Group™ as we now have 44 core advocates dedicated to improving the timeshare sales process by working together as teams. We hope timeshare developers will acknowledge there are problems and work with us, to not only stop predatory backend “get you out of your timeshare” scams, but address the problem on the front end of the sale as well. Numerous calls to the FBI have been made, and they have encouraged timeshare members who feel they have been victimized by deceit, concealment, violation of trust and bait and switch, to contact their local FBI Field Office public access line to file orally, in addition to filing online at IC3.gov.

Diamond Resorts has taken the lead by launching a Diamond Resorts Consumer Advocacy department dedicated to helping timeshare members from day one if a member has any concerns about their membership or their purchase. They have also introduced CLARITY, a program designed to enhance accountability, transparency and respect for the customer.

https://www.loyalty360.org/content-gallery/daily-news/diamond-resorts-international-raises-the-bar-on-cu

Inside Timeshare has received complaints directed against four major timeshare companies. If timeshare developers and ARDA would take the time to read the following Better Business Bureau notations of “Government Action” and “Pattern of Complaints”, it is unreasonable to keep the blinders on by claiming there are no problems with the secondary market because sales centers are forever sales centers, and members should not expect value back for their timeshare because it is a “right to use” program. That would be fine were it not for the perpetual contract, often sold by false promises made by sales agents who know there is little chance of enforcement, as there is no federal enforcement, and state Attorneys General are limited in scope.

BBB warnings for Wyndham, Diamond Resorts, Bluegreen, and Vacation Village

Wyndham

Although the government action has been resolved from 2015, we included the warning to illustrate the tenure of the complaints.

Government Action

The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

Wisconsin – May 27, 2015 Wyndham Vacation Ownership, Inc. entered into a Consent Judgment with the Wisconsin Department of Agriculture, Trade and Consumer Protection (Case No. 15CX5). The Consent Judgment to settle allegations that Wyndham engaged in the following acts or practices in the State of Wisconsin:

 

  1. Delivering a timeshare disclosure statement that fails to include all statements required by Wisconsin Statute Sec. in a format that can be immediately read and retained by the purchaser.
  2. Representing that incentives are only available to the prospective purchaser for the remainder of the day in which the incentive was offered.
  3. Misrepresenting the resale value of a timeshare.
  4. Representing a timeshare as a financial investment.
  5. Making representations which are inconsistent with the purchase contract.
  6. Misrepresenting the reasonable estimated length of a sales presentation.
  7. Failing to clearly disclose that time shares were being offered at the initial contact with a prospective purchaser.
  8. Sending mail or coupon promotions to Wisconsin consumers that fail to comply with the prize notice requirements.
  9. Failing to inform the individual of the prize that has been awarded him or her, and then giving the individual the prize or another selected item, before beginning a sales presentation.

Wyndham consented to the Stipulation and Consent Judgment to facilitate a settlement and avoid the additional expense, delay and uncertainty of litigation. Wyndham does not admit that it has violated any laws of the state of Wisconsin.

Pattern of Complaints

BBB files indicate that this business has a pattern of complaints concerning misrepresentation in selling practices. Consumer complaints report that the verbal representations are inconsistent with the written agreement. According to complaints, claims include representations that the purchase is an “investment” and the same as “real estate” in that it will increase in value. Owners report mandatory meetings that they are led to believe are to introduce new features and benefits but result in a sales presentation to purchase or upgrade their points. In some instances owners are encouraged to complete a survey or questionnaire which results in another sales presentation to purchase additional points.

This Business Is Not BBB Accredited

Trish Williams, a former Wyndham sales agent was awarded $20 million by a jury alleging predatory practices.

https://www.nytimes.com/2016/11/25/business/my-soul-feels-taller-a-whistle-blowers-20-million-vindication.html

Bluegreen has this posted on their Better Business Bureau Report

Our file contains a pattern of complaints from consumers alleging difficulties canceling vacation packages booked through Bluegreen Corporation. Consumers claim, although Bluegreen Corporation has a cancel within 30 days policy, their requests for refunds for canceled trips are denied. Other consumers feel they are victims of deceptive sales practices. Consumers claim resorts are never available when they contact Bluegreen Corporation. While yet other consumers claim the “free” vacation Bluegreen Corporation offers is not free and involve fees they were not made aware of.

Diamond Resorts:

On December 23, 2016, the Arizona Attorney General announced that the State of Arizona entered into a settlement agreement with Diamond Resorts. The Assurance of Discontinuance requires the company to pay the State of Arizona a total of $800,000, of which $650,000 is for consumer restitution and $150,000 for attorneys’ fees and costs. The assurance also includes a Relinquishment Remedy Program, which requires the company to allow qualifying consumers to return their timeshares with no further obligations.

Many of the hundreds of complaints received by the State of Arizona claim the company used deceptive sales practices and made numerous oral misrepresentations during their presentations. Some of the misrepresentations regard:

  • Annual increases in maintenance fees;
  • Membership resale and buy-back programs;
  • Timeshare membership resale market;
  • Ability to rent timeshare vacations; and
  • Discounts on other travel needs.

The Attorney General’s Office alleged that the company employees’ actions and statements violated the Arizona Consumer Fraud Act.

Vacation Village has a Better Business Bureau rating of F

BBB files contain a pattern of complaints from consumers regarding sales practices issues. Specifically, several complainants have alleged that information provided during sales presentations does not match the terms and conditions in the written contracts that they are asked to enter if they agree to make a purchase following a timeshare presentation.

On March 23, 2017 BBB sent correspondence to Village Resorts requesting their voluntary cooperation in providing steps it will implement to eliminate the pattern of customer complaints.

As of May 12, 2017 BBB has not received a response from Village Resorts BBB will continue to monitor the complaints for Village Resorts and update the review as needed

So where do we go from here?

TIMESHARE TIPPING POINT proposed plan

January 21, 2018

#timesharemetoo

Time to Take Back our Vacations

Vacation

We are grateful to our Inside Timeshare readers and timeshare members who have reported their allegations of predatory and criminal timeshare sales and marketing. Due to the volume of timeshare complaints received, there is a need for Timeshare Advocacy Groups™ to restructure, as we are experiencing normal and expected growing pains.  

Three important goals proposed by Timeshare Advocacy Group™ advocates:

  1. Reach out to sympathetic lawmakers, Attorneys General and regulators,
  2. Change timeshare developer practices to allow those alleging they were defrauded to be made whole again, by not hiding behind the fine print, but to listen and learn. The enemy is not your customer. The enemy is your predatory sales agent.
  3. Reach out to military Facebook pages and websites to warn members of the military and law enforcement, due to the alarming number of complaints from law enforcement officers and all branches of the armed forces, alleging they were white-collar crime victims.  One Marine lost his air unit command and three are worried about losing their security clearance.

Anthony and Ashley Davis recorded their predatory sales presentation, which has been provided to law enforcement and regulatory authorities. This is our January 13, 2018 interview with Anthony and Ashley.

https://www.youtube.com/watch?v=phUjnrIG3bI    

Timeshare Advocacy Group needs sub committees or teams that work independently, coordinating with a central committee. Listed below are nine proposed teams and team leaders, based on their expertise and past willingness to serve.

Please let us know if you are willing to be become involved. Those alleging they have been victimized include doctors, lawyers, professors, law enforcement, the military, even a member who worked as a contract specialist for Consolidated Edison, and many others.    

Proposed Teams

44 Core Advocates

Our Core Advocates are members or former members of Wyndham, Hyatt, Bluegreen, Diamond, Vacation Village  

Reporting: Irene (4 members)

Media/Social Media: Gay Hart-Brewer (22)

State Real Estate Divisions: (anonymous) (5)

Legislative Efforts: Anonymous (8)

Secret Shopper: (anonymous) (5)

Military outreach and awareness: Jeff Diehl (20)

Timeshare Exit Scams: Karen Krokosh (7)

Foreclosure Support Group: Anonymous (3)

California Team: Ken Sylvia (7)

Member supported U. S. Timeshare Advocacy Facebooks

https://www.facebook.com/timeshareadvocategroup/

https://www.facebook.com/groups/DiamondResortsOwnersAdvocacy/

https://tug2.com/Home.aspx

https://www.facebook.com/groups/180578055325962/

https://www.facebook.com/groups/465692163568779/

https://www.facebook.com/groups/1639958046252175/

Advocacy team

Contact Inside Timeshare or a member of a member supported, not industry influenced, Facebook or website.

Thank you Irene and all those who helped in this article, especially the legals who ensure that they are legally accurate.

If you require any further information on this or any article published, Inside Timeshare will be pleased to help.

 

The Natives are Restless!

Here we are the start of the year, maintenance fees have been paid and the complaints from Anfi members are already on the discussion forums. What are these complaints about?

Very simple, availability.

For those with Floating Weeks they don’t seem to be able to book the times they want, even though they are trying to book at least 10 months in advance. Makes you wonder what they have paid for!

One poster has stated they have been trying to book for October, November or December and require 2 weeks, nothing available, fully booked.

Another comment actually says it all.

“What’s the point of having a week at Anfi when you can’t book anything as it’s already booked up?”

One owner of around 17 years has had the same problem since they changed from a fixed week to the floating system, they are now so fed up that they are not getting what they want, they want out.

So what is the problem, why are these people unable to get the dates they require?

Simply put, it is the floating weeks and points systems, with the original fixed week, fixed apartment system you were guaranteed the holiday at the time you originally chose. You could exchange your week for a different one by using the internal exchange system or even using one of the major exchange companies such as RCI, Interval International or Dial an Exchange.

The resort could only sell 51 weeks of each apartment, so that put a cap on the number of owners / members. With the floating weeks and points systems you become a member of a vacation club, with a limitless number of members, or more members than apartments and weeks available. Hence no availability.

This is the main reason the Supreme Court has ruled that these systems of floating weeks and points are illegal, there is no substance or guarantee of getting what you have paid for or been promised. Yet you are still obliged to pay each and every years maintenance fees!

These are just comments made on public forums, you just have to wonder what the complaints are like on the closed groups.

https://www.facebook.com/search/top/?q=anfi%20del%20mar%20public%20group

https://www.facebook.com/groups/2366863977/permalink/10155571590663978/

https://www.facebook.com/groups/2366863977/permalink/10155573707503978/

Have you had problems such as this, whether at Anfi or any other resort that uses the floating weeks or points system, if so Inside Timeshare would like to hear from you.

If you require any information or advice on any of the articles published then contact Inside Timeshare and we will point you in the right direction.

 

Friday’s Letter from America

Here we go another Friday’s Letter from America, this week Irene Parker explains reporting a crime to the FBI, regarding timeshare complaints. To us in Europe this appears a little excessive, especially when we take the situation with timeshares purchased in Spain. But in the US, consumers do not seem to have the same protection as those in Europe.

Now for a round up of European news, once again Anfi have been ordered by the High Court in Las Palmas to return over 36,000€ plus legal fees and legal interest to an ex client. In this case the contract was again declared null and void, the main infringement of the timeshare law is once again the contract duration of over 50 years, or what is known as perpetuity. This point has been the subject of many rulings from the Supreme Court.

Still on the subject of Anfi, a Norwegian journalist and Anfi member is starting to ask questions about the accounts for Puerto, Monte and Gran Anfi. It would seem that they are owed huge amounts from Anfi Sales and Anfi Resorts.

At present Inside Timeshare is looking into this and will publish in the near future, suffice it to say, from the copy of the post received, it looks as though there is a substantial amount outstanding. This journalist also asks the question if this is the reason for the lack of maintenance and upkeep at the resort?

More on this subject as and when we get the confirmed information.

Amador Galeca, one of the “Fake” law firms which springs from the Litigious Abogados family has been active again, with Inside Timeshare receiving many enquiries as to if these are genuine.

Once again, these firms are not genuine law firms, they have in place a very elaborate fraud, designed to fool owners into believing they have cases at court. Search Litigious Abogados in the search box, there you will find the story going back around two years.

The unfortunate aspect of this is the frequency with which they change the names of the law firms and the websites. This makes it very difficult for the authorities to keep up on their investigations. The one thing that does help, is the fact the websites are all the same except for the names.

In the end, it is up to you to check if they are genuine before paying these companies, it is no use after you have made the bank transfer, that money is long gone. This is the reason for creating the urgency, with stories such as the director is pleading guilty and the trial is in 3 weeks, so you need to hurry if you want to be part of this claim!

Now on with this week’s Letter from America.

How to Report a Crime to the FBI

graph

By Irene Parker

January 19, 2018

There has been a change in strategy in reporting to the FBI if timeshare members feel they meet the definition of white-collar crime, financial institution fraud defined as “deceit, concealment, violation of trust, bait and switch.”

I’m still recovering from the comment Anthony Davis posted January 11 in response to one of my articles. Anthony wrote that he recorded a timeshare sales presentation. Anthony is an army vet, 90% disabled after serving three tours in Iraq and Afghanistan. Coincidentally, someone who works in law enforcement contacted me just after I spoke with Anthony, informing us they wanted to donate a GoPro Hero 5 Session camera. My husband and I picked up the camera and drove to Orlando to meet Anthony and Ashley. They came to Orlando because they said they were required to attend a mandatory timeshare presentation scheduled for January 13th. This was their second required new member orientation and they had to bear the air and Uber expense to travel from Tennessee to Florida for two days, just to attend the orientation. Armed with our new GoPro, we recorded an interview with Anthony and Ashley. We also recorded the recording of the orientation.

https://www.youtube.com/watch?v=phUjnrIG3bI

The next morning, alarmed at what I had heard on the recording, I contacted the FBI. It took a while to explain the significance of this recording, because the FBI is not as familiar with timeshare as they are with say, terrorism, but the agent took the time to understand. At the end of our conversation agent #2222 (I did not ask permission to use his real number) concluded timeshare members need to call their local FBI field office and report orally through the FBI public access line, selecting option #4, white-collar crime. I thought he was going to dismiss me by sending members to the Attorneys General Offices! Here are the FBI field offices:

https://www.fbi.gov/contact-us/field-offices

Previously, FBI agents had advised me to direct members to the IC3.gov portal. This is the FBI’s online complaint site. Filing at IC3.gov is similar to filing an online AG complaint. Timeshare members who feel they have been a victim of deceit and bait and switch should still file with IC3.gov, in addition to filing orally with your local FBI field office. Here’s the IC3.gov link:

https://www.ic3.gov/default.aspx

From the FBI website (my comments are in italics)

Mortgage fraud is a subcategory of Financial Institution Fraud. It is crime characterized by some type of material misstatement, misrepresentation, or omission in relation to a mortgage loan which is then relied upon by a lender. A lie that influences a bank’s decision—about whether, for example, to approve a loan, accept a reduced payoff amount, or agree to certain repayment terms—is mortgage fraud.

Inside Timeshare US has received 278 timeshare complaints from readers. Of the 278 complaints, 263 allege that what happened to them meets the definition of white collar crime, “deceit, concealment, violation of trust, bait and switch.” Several timeshare members have reported timeshare sales agents advised them to falsify information, or the agent on their own falsified information, discovered when the member compares what they signed at the time of purchase to the document the timeshare company provides to the member after they asked for a document when pursuing a complaint.

The FBI and other entities charged with investigating mortgage fraud, particularly in the wake of the housing market collapse, have broadened the definition to include frauds targeting distressed homeowners.

This includes distressed timeshare members as a timeshare loan is considered a mortgage and is reported as a foreclosure, the same as a home mortgage foreclosure. However, timeshare attorney Mike Finn of the Finn Law Group did sue Bluegreen and managed to get foreclosed knocked down to “charged off” on behalf of 11,000 Bluegreen members and, going forward, Bluegreen no longer reports their timeshare point “take backs” as a foreclosure. Foreclosure is the most damaging hit to a credit report, and according to Mike, timeshare companies tend to pick the most damaging category to report.  

There are two distinct areas of mortgage fraud—fraud for profit and fraud for housing.

  • Fraud for profit: Those who commit this type of mortgage fraud are often industry insiders using their specialized knowledge or authority to commit or facilitate the fraud. Current investigations and widespread reporting indicate a high percentage of mortgage fraud involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals engaged in the industry. Fraud for profit aims not to secure housing, but rather to misuse the mortgage lending process to steal cash and equity from lenders or homeowners. The FBI prioritizes fraud for profit cases.

Timeshare member can relate to this definition! We have compiled three repeat offender summary reports. One of the reports describes highest loyalty members being up-sold to buy more points because they will be able to pay maintenance fees or sell points when no such program exists.

The FBI seeks to maximize its impact on the mortgage fraud and financial institution fraud as a whole through collaboration.

For example, the Bureau operates Financial Crimes Task Forces within several field offices throughout the country that act as force multipliers in addressing large scale financial fraud schemes. Comprised of federal, state, and local regulatory and law enforcement agencies who work together on a daily basis, these tasks forces have been an effective way to merge valuable resources of participating agencies.

By leveraging the skills, knowledge, and resources of various government agencies and private industry, the FBI and its partners are able to bring more perpetrators of fraud to justice.    

Common Mortgage Fraud Schemes (I selected those pertinent to timeshare)

  • Foreclosure rescue schemes: The perpetrators identify homeowners who are in foreclosure or at risk of defaulting on their mortgage loan and then mislead them into believing they can save their homes by transferring the deed or putting the property in the name of an investor. The perpetrators profit by selling the property to an investor or straw borrower, creating equity using a fraudulent appraisal, and stealing the seller proceeds or fees paid by the homeowners. The homeowners are sometimes told they can pay rent for at least a year and repurchase the property once their credit has been reestablished. However, the perpetrators fail to make the mortgage payments and usually the property goes into foreclosure.

The DOJ places timeshare exit scams complaints second only to debt collection complaints. Timeshare exit scams flourish when timeshare companies do not allow a secondary market. This is a 13 page DOJ report on timeshare exit scams:

https://search.justice.gov/search?query=timeshare+fraud&op=Search&affiliate=justice

One new timeshare term I learned is “Viking Ship” comparing fraudulent timeshare transfers to the term used to describe how Vikings put their dead on a ship, set fire to it, and shipped it out to sea.

http://insidetimeshare.com/timeshare-hoa-collections-agent-shares-experience/

Loan modification schemes: Similar to foreclosure rescue scams, these schemes involve perpetrators purporting to assist homeowners who are delinquent in their mortgage payments and are on the verge of losing their home by offering to renegotiate the terms of the homeowners’ loan with the lender. The scammers, however, demand large fees up front and often negotiate unfavorable terms for the clients, or do not negotiate at all. Usually, the homeowners ultimately lose their homes.

Foreclosure is a guarantee, but you certainly don’t need to pay anyone to help you foreclose. These scams say foreclosure meets their promise of a guarantee!

https://www.fbi.gov/investigate/white-collar-crime/mortgage-fraud

Law rights

Thank you to our FBI field offices for even listening to us as no one else is. We appreciate the efforts of Attorneys General but they are limited in their scope. Federal enforcement is needed.

If you need help with a timeshare concern, contact Inside Timeshare or contact one of these U.S. advocacy groups we endorse, feeling they are truly member supported, not influenced by industry.

https://www.facebook.com/timeshareadvocategroup/

https://www.facebook.com/groups/DiamondResortsOwnersAdvocacy/

https://tug2.com/Home.aspx

https://www.facebook.com/groups/180578055325962/

https://www.facebook.com/groups/465692163568779/

https://www.facebook.com/groups/1639958046252175/

There we have it, timeshare consumers in the US now have another way of fighting back, things across the Great Lake are a little more complicated for timeshare consumers than in Europe.

If you have any questions or comments about this or any other article published, contact Inside Timeshare, we will help you get the best advice possible.

Have a good weekend.

weekend cat

What Do You Believe?

Inside Timeshare is receiving many enquiries from readers who are so confused they don’t know what to believe anymore. The subject is regarding court cases against the timeshare companies.

They are receiving letters from their timeshare resorts and companies stating that the claims about court victories against them is false, that it is all a ploy to get their money. So what is the truth?

Inside Timeshare agrees there are bogus law firms and claims companies out there, after all we have published many articles about them, but the fact is these court cases and the rulings from the Spanish Supreme Court are genuine.

For too long the timeshare companies have been selling their products in breach of Spanish Timeshare Law, now they are having to pay the price with all the legal action being taken against them. Obviously they don’t like it, they will do and say anything to stop their members from getting justice.

It is costing them not just in the amounts being awarded by the courts, but it is also costing them in the reduced amount they receive in maintenance fees. They are losing income, not only from maintenance fees but also from selling the product to new members, sales are reducing at an alarming rate.

Sales Decks are closing, the sales teams are being laid off, the OPC’s on the streets are disappearing, new members are becoming a rarity. The existing membership base is now retired or getting very close to retiring. Their children don’t want the timeshares, to them is it a waste of money, they use the internet and get their holidays far cheaper.

In the light of this it is not surprising they are going on the offensive and denying everything. Unfortunately for them the truth is out there, the Spanish press along with other countries are publishing the stories. The court documents are there and can be verified quite easily, there are several ways this can be done, obviously directly with the court that issued the judgement, but there is also an official website which can be used, although it can be a little confusing to use.

Below is a link to the website which shows Supreme Court Sentence 373/2017 against Silverpoint. To see the full sentence click on the title for the entry.

https://www.iberley.es/search/?form%5Bcollection%5D=sentencias&form%5Bterm%5D=373%2F2017+tribunal+supremo+sala+de+lo+civil&form%5Bsave%5D=&form%5Brequest%5D%5Bdate_from%5D=&form%5Brequest%5D%5Bdate_to%5D=&form%5Brequest%5D%5Bnum_sen%5D=&form%5Brequest%5D%5Bnum_rec%5D=&form%5Brequest%5D%5Bid_cendoj%5D=&form%5B_token%5D=v20bRsJcl3_oPlj09fv-H8J_EX1FkQ__IjvREimVyHo

This link will show a ruling from the Supreme Court Sentence 684/2016 against Anfi.

https://www.iberley.es/search/?form%5Bcollection%5D=sentencias&form%5Bterm%5D=684%2F2016+tribunal+supremo+sala+de+lo+civil&form%5Bsave%5D=&form%5Brequest%5D%5Bdate_from%5D=&form%5Brequest%5D%5Bdate_to%5D=&form%5Brequest%5D%5Bnum_sen%5D=&form%5Brequest%5D%5Bnum_rec%5D=&form%5Brequest%5D%5Bid_cendoj%5D=&form%5B_token%5D=I_ObFuVA45vnXtSEUP_reRzF5FfDF_0Jr45lUj8YCXw

So back to the question of our title, What Do You Believe?

The facts are there, you believed what you were told when you were sold the product, most of that has turned out to be untrue, so can you actually believe what they are now claiming?

We leave it to you the reader to decide.

If you have any questions about this or any article published, contact Inside Timeshare and if we don’t know the answer, we will find out for you. We are here to give you the facts and the truth!

 

The Tuesday Slot with Irene

This week Irene explains the trials and tribulations of a veteran and his dealings with a major timeshare developer, you can see the interview in the Youtube video attached to the article.

These stories are becoming more common, especially now that they are getting coverage, it is a very sorry state of affairs when men and women who give their all, are then treated in the most despicable manner. One of the most disturbing facts that has come to light is that some of the sales agents are ex service personnel themselves, the only explanation is they use this “brotherhood” bond as a tool. They actually have no morals, just the greed of the pay cheque!

Inside Timeshare leaves it to you the reader to make up your own mind.

January 13, 2018 was an Overwhelmingly Sad Day

Anthony and Ashley Davis Share their Timeshare Experience

Whistleblowers of America

Help for military and government workers who seek justice

https://www.gofundme.com/whistleblowers-of-america

Army seal

By Irene Parker

January 16, 2017

https://www.law.cornell.edu/uscode/text/18/4

18 USC 4 Misprision of a Felony

Whoever, having knowledge of the actual commission of a felony cognizable by a court of the United States, conceals and does not as soon as possible make known the same to some judge or other person in civil or military authority under the United States, shall be fined under this title or imprisoned not more than three years, or both.

(June 25, 1948, ch. 645, 62 Stat. 684; Pub. L. 103–322, title XXXIII, § 330016(1)(G), Sept. 13, 1994, 108 Stat. 2147.)

Information provided by Scotty Black, MS Criminal Justice

Inside Timeshare is receiving an escalation in timeshare complaints reported by our readers, including 14 active duty and retired military in the last 60 days, directed against four timeshare companies. Anthony and Ashley Davis complained about a timeshare up-sell. Since they recorded the actual presentation, we called the FBI. After explaining what happened, the agent I spoke with advised me to direct timeshare members to contact the FBI public access phone line if they feel they were a victim of white-collar crime, financial institution fraud, which the FBI defines as “deceit, concealment, violation of trust and bait and switch.” Members seeking to report should contact their local FBI field office and report orally their allegations. The public access line is available 24/7. Members should also file with IC3.gov along with other regulatory agencies listed on our complaint form.

http://insidetimeshare.com/file-timeshare-complaint-revised/

The Nevada Real Estate Division in the past dismissed timeshare complaints with a “You don’t have proof” response, but for the first time, Anthony actually recorded a bait and switch. In addition, one advocate with experience working economic crimes under cover is encouraged by her Nevada Real Estate Division response. They are listening, no longer dismissing.

Anthony and Ashley, an army couple, told their story during an interview we recorded in Orlando January 13, 2018. We also recorded their recording of the predatory sales presentation that we have made available to law enforcement and regulatory authorities. My husband and I struggled with a GoPro donated to our advocacy group, so our first attempt posted below is a little rough. It’s a start.

hero  Ashley describes her husband as a hero.

Anthony’s military service consisted of three tours in Iraq and Afghanistan. At age 26, he is 90% disabled. Ashley’s is active with the Army National Guard Military Police. Anthony was medically discharged from the Army due to traumatic brain injury. He suffers from seizures, in addition to symptoms associated with PTSD.  Some cannot fight back, but Anthony took advantage of resources available to veterans seeking to rehabilitate. Anthony earned an MBA. He currently works as a credit analyst for Ford Motor. Prior to Ford Motor, Anthony worked for Nissan in arbitrations.

Anthony continues to defend his country by advocating for timeshare members who feel they were victimized by predatory timeshare sales and marketing. Anthony sacrificed his health to keep our country safe. We humbly thank him for advocating for us. This is the first report from a timeshare member in which we don’t have to say “alleged”. Recording a person to person meeting is legal in Nevada.

https://p2lawyers.com/blog/2016/1/31/is-it-legal-to-record-a-conversation-in-nevada-without-the-other-partys-consent

Here’s what happened

Anthony and Ashley bought a trial timeshare program in 2016, and attended the required timeshare presentation in Florida. They purchased 7500 annual timeshare points May 2017. This purchase required a new member “orientation” which took place in Las Vegas, November 2017. Told if they did not buy an additional 7500 points, their maintenance fees would be $250,000 over the next ten years because they did not receive a letter. Had they received the letter, they were told they would not have to buy points and maintenance fees would only increase 2 to 5% instead of the 10 to 15% under the old program. Knowing they could never afford $250,000, they purchased an additional 7500 points.  This second purchase of annual points required a ludicrous second new member “orientation” which took place in Florida Saturday, January 13, 2018. Anthony and Ashley had to incur the cost of airfare and Uber, flying to Orlando from Nashville to stay two days in order to attend this mandatory orientation, leaving their five kids in Nashville with relatives. Again they were told their first two purchases were worthless. I found their story overwhelmingly sad.  

https://www.youtube.com/watch?v=phUjnrIG3bI

Thank you Anthony and Ashley – you are timeshare advocates now. On behalf of all timeshare members and all Americans, we deeply thank you for your service and for your sacrifice.

salute      

We started Saturday, January 13 in the U.S. with a message from a timeshare advocate from the EU who forwarded me a post designed to smear Canarian Legal Alliance. I informed Charles Thomas. As he was tracking down the libelous offender, he learned Canarian Legal Alliance lost one of their long-standing associates, Ian Smart. So January 13 was not a good day, but soldiers and advocates don’t give up. We respond to adversity and we move forward to work toward justice, accountability, transparency and respect for all timeshare members. We are hoping timeshare developers will work with us to stop the “pitching of heat” to sell a timeshare product.

Contact Inside Timeshare or a member sponsor advocacy group if you need help with a timeshare concern.  

https://www.facebook.com/timeshareadvocategroup/

https://www.facebook.com/groups/DiamondResortsOwnersAdvocacy/

https://tug2.com/Home.aspx

https://www.facebook.com/groups/180578055325962/

https://www.facebook.com/groups/465692163568779/

https://www.facebook.com/groups/1639958046252175/

divided

Thank you to Ashley and Anthony, Inside Timeshare hope that a resolution is around the corner, we also hope that the developers take note and reign in these unscrupulous agents. Timeshare has a bad reputation already, but these people are just making it worse. Inside Timeshare will continue to highlight these cases in the hope that the developers and the authorities eventually put an end to these practices.

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