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The Tuesday Slot

Welcome to this weeks Tuesday Slot, once again this is not the article we had scheduled, that has been pulled at the last minute. The original article (which as always was sent to the timeshare company Holiday Inn Vacation Club for comment), was a particularly heart wrenching story of woe, but thanks to someone at the timeshare company, (some of them do have a heart), the matter has been resolved. All we can say to Holiday Inn Vacation Club is thank you and well done for responding so quickly.

Inside Timeshare has been receiving many emails from readers wanting to check on companies calling them, it is that time of year, as maintenance bills start to arrive, so all these companies are getting in with the usual pitch, we can get you out of your timeshare. Unfortunately most are bogus and fake law firms, which we have highlighted in previous articles. So beware the caller, get as much information about them as possible, then contact Inside Timeshare for further help.

We have also heard from one of our German readers regarding Diamond Resorts (Europe), it would appear that Diamond may have changed the policy on exiting the contract. We do know they have exceptional circumstance, which are over 75, death of a partner, financial difficulty and medical, where they will allow exit for free. For those who do not fall into this category they were allowing an exit on payment of 2 years maintenance, well, according to our German reader who applied for this, he was told “NO”! They would only let him out when he fits the exceptional circumstances or reaches 75, until then he must continue to pay maintenance.

We will be keeping an eye on any other developments regarding this, it does seem strange that this policy has suddenly changed. If any of our other readers have experienced this please do let us know, it may be that this was just a one off incident from an un-informed member of staff.

How to File a Timeshare Complaint (October 22, 2018 revision)

               

Start with the Attorneys General Office

If necessary, continue to the FBI at IC3.gov

Finish with the Federal Trade Commission, if Section 5 is violated

If you were sold a timeshare as an investment, file an SEC complaint

“I was told that in order to be released from a timeshare, which was a deeded timeshare, I had to turn the deed into points. Believing the sales agent, on June 19th I bought $12,000 worth of points for no reason. A few weeks after the purchase I learned through Social Media the company has a voluntary surrender program. I had told the sales agent that my wife had bought this timeshare 18 years ago and that I had hated it for 18 years. I explained that I was only attending the presentation to find out how to get rid of it. At that point he should have advised me of the voluntary surrender program instead of selling me points for no reason. The response from the company was it sounds like a ‘he said she said’ and to make matters worse, there is a six month waiting period for the voluntary surrender program.”

We have received 634 timeshare complaints as of October 22, 2018. Recently, several complaints have been from timeshare members who say they were told the timeshare was an investment; the timeshare could be rented for income, and would be easy to sell. The complaints were directed against four timeshare companies.

Marketing a timeshare for the purposes of generating income, or leading the buyer to believe the retail price is what the timeshare is worth, is selling the timeshare as a security without being registered as a security with the Securities and Exchange Commission. Therefore, we have added the SEC as an avenue for grievance if this applies to you.

We have also added the AARP fraud alert. The AARP hotline responders have been responsive, but misleading in their advice. We will be publishing an article shortly to address why we believe AARP is providing misleading information.

https://www.aarp.org/money/scams-fraud/?CMP=KNC-DSO-Adobe-Bing-FWN-Core-Brand-Brand&s_kwcid=AL!4520!10!73804843580956!73804805721970&ef_id=W0ZctQAAAJQd2ANC:20180725171110:s

One Attorney General’s office is directing people to a list of timeshare attorneys. The member pays the attorney, the attorney has no timeshare experience, and the member ends up referred to us. We help for free and the lawyer gets paid. This has happened several times. Do not use an attorney without timeshare experience. The field is too specialized.   

In all but a few cases, the timeshare company has dismissed member complaints with “You signed a contract” or “It doesn’t matter what the sales agent said.” If timeshare companies would acknowledge that some timeshare sales agents do intentionally mislead the consumer, there would be no need to file complaints and no reason for the existence of member supported advocacy groups.

According to FBI agents and lawyers our advocates have consulted, it is not legal to hide behind fine print, but it takes volumes of complaints to raise a regulator’s eyebrow. The Federal Trade Commission released its 2017 complaint report, listing travel, vacation, and timeshare as one of the most costly frauds at $1,710. Our reader complaints dollar amounts range from $4,000 to $400,000 or more. We wish members were only losing $1,710. Inside Timeshare has received complaints from 81 veterans and active duty military and law enforcement.   

Travel, vacation, and timeshare frauds were the most costly with people losing a median amount of $1,710. The FTC also broke out fraud losses for members of the military and found their median fraud loss to be 44 percent higher than the general population.

https://www.jacksonsun.com/story/opinion/columnists/2018/04/06/ftc-releases-2017-complaint-statistics/493425002/

Most of the members contacting us have an outstanding loan. The industry has created this nightmare because if you buy a house and have a loan outstanding, you can still sell the house. When the member alleges they experienced unfair and deceptive sales practices, they have signed a perpetual contract with little or no secondary market. Timeshare companies list a viable secondary market as a risk to their shareholders.

Timeshare Members need to be especially vigilant about “Get you out of your timeshare” firms because many are scams. Some are not. Timeshare Advocacy Group™ (TAG) has a scam research team formed by members who have themselves been scammed. This 15 page US Department of Justice timeshare scam report illustrates the seriousness and extent of the problem, caused by the lack of a viable secondary market.     

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

Advocates for reform feel the problems that exist in the industry today are caused by an overreliance on the oral representation clause, iron clad developer based contracts, the lack of an adequate secondary market, and limited enforcement. We don’t dispute there are many who use and enjoy their timeshare and many sales agents who sell the product properly, but here are the most common timeshare complaints reported by our readers:

  • The agent said I could easily sell my points,
  • The agent overstated the value of travel awards to pay for airline tickets, or the use of a travel credit card to pay maintenance fees,
  • The agent said I had to give up my deeded timeshare and buy points,
  • The agent said I have to give up my deed and buy points or my heirs will be burdened,
  • The rescission clause was dodged because the agent said the (bogus) program would not be available until after the first of the year, or we were not allowed access to the booking site until after the rescission period.    

To begin your complaint, raise your right hand.

Do you promise to tell the truth, the whole truth, and nothing but the truth, so help you God? Present your information factually and without opinion or inflammatory language.

Information Needed to File a Timeshare Complaint

Name (s) and age of member

Phone Number

State of Residence

Member Number

For each contract in dispute:

Where Purchased and Date of Purchase

Number of Points Purchased

Sales Agent and Sales Agent ID# (if available)

Purchase Price

Down Payment

Amount Financed and Interest Rate

Loan Number

Current Loan Balance

Name of Credit Card if one was used to pay the down payment

What do you want? Do you seek Refund or Relinquishment?

Why? Is it due to Deception, Health, Age or Financial Burden?

Complaints expressing dissatisfaction with general availability will go unheeded as will a request based on not being able to afford the timeshare. If you feel you were deceived, list the reasons why. If there was no deceit, ask for relinquishment. Maintenance fees must be current and there can be no loan outstanding. Just like your personal residence, you can’t go to your home mortgage lender and say you can’t afford it. The difference is you can sell your home if there is an outstanding loan.  Section 5 Federal Trade Commission, explains unfair and deceptive practices:

FTC Unfair Practices

An act or practice is unfair where it

  • causes or is likely to cause substantial injury to consumers;
  • cannot be reasonably avoided by consumers; and
  • is not outweighed by countervailing benefits to consumers or to competition.

 

FTC Deceptive Practices

An act or practice is deceptive where

  • a representation, omission, or practice misleads or is likely to mislead the consumer;
  • a consumer’s interpretation of the representation, omission, or practice is considered reasonable under the circumstances; and
  • the misleading representation, omission, or practice is material.

https://www.federalreserve.gov/boarddocs/supmanual/cch/ftca.pdf

MOST IMPORTANT – Purchase Timeline

It is better to state your narrative as a narrative referring back to the figures at the top of your complaint. Begin with when you first became involved with the company and proceed chronologically. Keep your history brief up to the point when things began to go wrong.

After you complete your complaint, email it to the appropriate resort department. Expect to be denied. Typically your resort reviewer will restate your concerns, produce your initials and signatures, point out the oral representation clause and inform you, “If something was important to you, you should have asked for it to be put in the contract.” File a rebuttal if you disagree with the company response.

Mark your email to the resort urgent if you are in financial distress. It is best to file a complaint before the debt collectors are hounding. If one of our advocates is assisting the member, the member will report back to us if the issue is resolved. Due to the required non-disclosure, terms and conditions will not be discussed.

Attorneys General

If the resort has dismissed your complaint, the next step is to file a complaint with the Attorney General of the state where you signed your contract. It can take sometimes a month to hear back from an AG. You can find any Attorney General by searching the state name and Attorney General. Some states will direct you to the real estate or consumer division. You should file a complaint with the state Real Estate Division against the agent if the agent was deceptive. Not all states require timeshare sales agents be real estate licensed.     

We have determined, based on reports from our readers, some Attorneys General walk lockstep with the developer, responding to complaints with, “You should not have relied on verbal representations.” Thus, in those states, the consumer is out in the cold and at the mercy of the developer’s decision. In other states, Attorneys General have opened investigations and reached settlements based on a volume of complaints and a pattern of consistent reports of deceptive behavior.

The FBI

Any complaint reported to the FBI should be of a more egregious nature. “They promised me a free cruise but it wasn’t free” is an example of a complaint that is not serious enough for the FBI. Our opening example, describing a buyer told they had to give up their timeshare deed when that was not necessary, would merit an IC3.gov report. To determine if your complaint is serious enough to file an FBI complaint, review the FBI definitions of criminal acts:  

White-collar crimes are characterized by deceit, concealment, or violation of trust and are not dependent on the application or threat of physical force or violence. The motivation behind these crimes is financial—to obtain or avoid losing money, property, or services or to secure a personal or business advantage. These are not victimless crimes. A single scam can destroy a company, devastate families by wiping out their life savings, or cost investors billions of dollars (or even all three).

Mortgage fraud is a subcategory of financial institution fraud known as “fraud for profit”:

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.

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

The FBI has advised our members, if the allegation involves credit card fraud, the member should also file a complaint with the Secret Service.

https://ask.metafilter.com/81136/Should-I-call-the-Secret-Service-over-credit-card-fraud

Most important, consider reaching out to local or national media. Reporters look for content and are surprisingly easy to reach. Write an article about your experience. The more people who come forward, the more the public is made aware of timeshare black holes before engaging in a timeshare sales presentation.

Summary of Regulatory and Law Enforcement Agencies

  • The Attorney General’s office where you signed your contract. Most AG complaints can be filed online.
  • The Real Estate Division of the state where the agent is licensed if your complaint is against the agent.
  • The FBI at IC3.gov portal if you feel you were deceived. For allegations of a serious nature you may also contact an FBI field office to file a tip orally. Have your facts and figures ready. The FBI complaint website is called IC3.gov which stands for Internet Crime. This is a bit confusing. IC is the name of the portal. That doesn’t mean it has to be an internet crime. Click IC3 as your choice when filing. Sometimes your local field office will pay closer attention than say Las Vegas, where losing money is a tourist attraction. You can find your nearest field office from this website. https://www.fbi.gov/contact-us/field-offices https://www.ic3.gov/default.aspx
  • The Federal Trade Commission is one of the most important agencies to file with, because it is federal. Most states have incorporated a portion of the FTC’s “Unfair and Deceptive Trade Act” in their state law. It’s tricky to find the timeshare tab. Look for “next page” until you find it.   
  • The media – the court of public opinion is often the only court available. Inside Timeshare, published in Spain, welcomes member submissions, positive or negative.
  • The Consumer Financial Protection Bureau for credit card or lending complaints, under the mortgage option (even if no mortgage), selecting the bank involved. Timeshare has dodged this regulatory bullet because most members don’t know the identity of the lender as the timeshare company often services the loan (Timeshare companies are not an option from the CFPB’s drop-down menu). CFPB is the organization that helped Wells Fargo victims. The CFPB lost influence after the roll back of the Dodd Frank act March 2018. The Dodd Frank act was enacted after the abuses caused by subprime lending. The CFPB is still considered a regulator. https://www.consumerfinance.gov/
  • File a complaint with the Better Business Bureau. The company’s BBB rating can be misleading in that the BBB only rates how efficiently a company responds to complaints. Sometimes the BBB allows you to log in and file a rebuttal. If you file a complaint, a review is not allowed. We have received complaints from members reporting that a company representative called, saying the message is time sensitive, but does not answer the phone when the member repeatedly tries to call back. We suspect this boosts the company BBB rating because the company can report, “We reached out.”
  • Lawmakers – The problem is the timeshare buyer typically does not buy in their state of residence which is why lawmakers don’t seem to take timeshare seriously. Still, any effort to contact lawmakers is encouraged.
  • The Securities and Exchange Commission for selling timeshare points as an investment without being registered as a security.
  • AARP Fraud Watch

If this sounds like work, it is, but you can file with some, all, or none of the agencies. If you pick two, pick the Attorney General and the FTC. We have a team of advocates who can answer questions and help guide you through the process. We feel “Action and Advocacy” is the best way to change questionable timeshare business practices. Many families contacting us are financially devastated by their decision to buy a timeshare. We seek to promote consumer awareness.   

Depending on the seriousness of your complaint, you may forward your complaint to the firm’s public relations office or firm and to ARDA, the timeshare industry’s PAC, for violating ARDA’s Code of Ethics. ARDA’s Code of Ethics can be found on ARDA’s website. ARDA ROC does not mediate disputes, but ARDA does have a Code of Ethics. Due to lack of response to over 200 of the more serious complaints we forwarded to ARDA, we do not recommend owners make the voluntary “opt in” or “opt out” ARDA ROC donation on your maintenance fee invoice. Not one of the members we questioned knew what ARDA ROC stands for, yet collectively members gives ARDA ROC about $5 million a year. It is the opinion of our advocates, that although ARDA lobbies for the industry and for timeshare members, when the issue at stake is one that is at odds with members, members lose because they have no voice.

You may also forward your complaint to the Association of Vacation Owners.

https://avoworldwide.com/news/

AVO has been tracking our complaints for research purposes. http://insidetimeshare.com/the-tuesday-slot-with-irene-3/

If you are granted a positive outcome, you may not say or write anything disparaging about the resort, but there is no harm in staying involved by referring timeshare members who need help to Inside Timeshare or to one of the self-help groups listed below we know are not industry influenced.  

Who We Are and Why We Do This

Our advocates are not attorneys and we do not provide legal advice. We have researched regulatory agencies and are here to direct consumers to the appropriate regulatory and law enforcement agencies. The right to file a regulatory complaint is the right of every citizen who feels they have been wronged.  

It’s a good idea to contact a member of the Licensed Timeshare Resale Broker Association to find out whether your timeshare has a secondary market. http://www.licensedtimeshareresalebrokers.org/

Venting on complaint sites has no effect whatsoever but an organized campaign to track complaints and report alleged fraud has already born fruit in the form of Attorneys General investigations and greater public awareness.

If all else fails, we will refer to an attorney if the member can afford one. If you are forced into foreclosure, but have an otherwise unblemished credit report, you can write to the credit reporting agencies in an effort to explain why you were deceived and why you were not able to resolve your dispute.

Contact Inside Timeshare or email Irene Parker at [email protected] or call 270-303-7572 EST if you are interested in becoming a volunteer. Feel free to call any day of the week from 1:00 to 5:00 PM EST. It’s best to schedule a call. All calls and emails are returned within 24/48 hours.  If your email is not returned, please resend and send a text message.

 Self-help groups seek to provide 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. We hope to promote a better relationship between disgruntled timeshare buyers and their respective resort. We appreciate all timeshare companies who have responded to article drafts and resolved customer issues. Inside Timeshare would always rather see a dispute resolved over publishing an article.

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

https://tug2.com/Home.aspx

https://everythingabouttimeshares.com/consider-exchange-options/

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

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

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

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

October 23, 2018 Irene Parker

Timeshare Advocacy Group     

Related article: FTC Section 5

http://insidetimeshare.com/fridays-letter-from-america-12/

If you have any timeshare problem or need help in checking if a company is genuine, contact Inside Timeshare with the details, we will point you in the right direction.

Another Fake Law Firm from the Litigious Abogados Family

Here we go again, yet another fake law firm has sprung up in Tenerife, again it is linked to the Litigious Abogados family. This one is called Abogados Litigación España  and JDD Juan Drimals Deolaro, with the website:

http://abogadoslitigacionespana.com

Which was registered on 11 October 2018 and is due to expire on 11 October 2019, so not only has it been registered for only 11 days, but will only last for 1 year. As usual the registrant is hidden by privacy protection. They also show another fake CIF Number (company number) to add credibility: A12475921

The address is also very familiar as it has been used before:

Calle de San Francisco, 6, 38001 Santa Cruz de Tenerife, España

Telephone numbers are:

Freephone: 0800 862 0036

Tenerife Tel: 0034 822 684 562

With the email addresses which again are not linked to the website but are free email address providers:

[email protected]

[email protected]

The “company” was founded in August 1990, a slight difference to previous one as they do not give the day or the date, but the founder is Juan Drimals Deolaro, another name that we published in the article Litigacion Abogados on 10 October, using the same photograph:

The names and photographs of the lawyers are also the same although they do have a new name and photograph for another young lady on the contact page, Mevalena Cacha Coquina. She is in fact a young lawyer from a firm in Chile, Carmen Castillo Arenas, obtaining her law degree in 2006, the firm she works for is Manuel Acuña Kairath Abogados, based in Santiago, Chile.

Mevalena Cacha Coquina

Manuel Doleva Elkulete

Valentin Foga Rehalna

Manuel Selbon Vamilos

They also show many official logos such as the Ilustre Colegio de Abogados for Madrid and Santa Cruz de Tenerife including this one below.

Well, we don’t need to guess what the pitch is going to be, we are by now very familiar with their modus operandi, the news that your timeshare company is being taken to court within the next few weeks. Pay the “FAKE” Court Procurator a fee and you can be included.

Then the great news that the director of your timeshare company pleaded guilty, (we just wonder what name will be used for this director), with the court awarding you a very substantial amount of money. One snag, they now need 20% of the awarded amount to pay “TAXES”!

This firm is just the latest incarnation of many which have now been operating for around 3 years, continuously changing names and website addresses, one thing that has remained constant is the all the websites are the same and the story is always identical.

Remember, unless you have personally instructed a law firm and gone through all the legal procedures, then you do not have a case in court. Do not be fooled by these criminals, it is a very elaborate and well put together fraud, we know many who have fallen for it and have lost thousands with no way of getting it back.

If you have been contacted by this “fake law firm” or one with a similar story, then contact Inside Timeshare, we will help you check their validity.

Our warning is always the same:

CHECK, CHECK AND CHECK AGAIN, DO YOUR HOMEWORK!

 

Friday’s Letter from America

Welcome to this week’s Letter from America, today we publish another “Nightmare on Timeshare Street”, this is the experience of the Cameron family and their dealing with Westgate. But as usual we bring you some news from Europe.

We start with the headlines in La Provincia published on 18 October 2018

Grupo Anfi denuncia a Santiago Santana Cazorla por “apropiarse” de un barco

La compañía acusa al empresario de sustraer la embarcación y llevársela a Marruecos

Translation:

Grupo Anfi denounces Santiago Santana Cazorla for “appropriating” a ship

The company accuses the businessman of stealing the boat and taking it to Morocco

Santiago Sanatna Cazorla at Court

It centers around Santiago Santana Cazorla “appropriating” a boat which the Anfi Group claims belongs to the company, of which Cazorla owns 50%, as the boat was included in the register of assets of the company until around 1 year ago, when Cazorla decided to transfer it to his name.

The Court of Instruction No1 of San Bartolomé de Tirajana, heard in testimony from Cazorla (17 October 2018), that he purchased the boat in 2012, he transferred the ownership of the vessel to Anfi Group “as part of the payment to forgive a debt”, however, he changed his mind and about the end of 2016 and the beginning of 2017, began procedures to transfer the vessel back to his name.

In his testimony Cazorla assured the court that the vessel was his, something Anfi Group does not agree with, no agreement was reached.

One thing is for sure, we are never short of a story with Anfi!

Following on from Wednesdays article about the fake Tenerife law firm  ADN Alberto Dlendro Nabalez, Litigacionespaña SL, which is part of the Litigious Abogados family, mindtimeshare yesterday published details of another fake “Procurador”, which is more than likely to be one the fake lawyers will be using.

The name of this “Procurator” is Marco Gravinal with the address

Calle Las Calbas 36, Edificio Bala, Oficina 418, Santa Cruz, Tenerife

Which does not even show up on Google maps, so is obviously a fake address.

The website

http://marco-gravinal.com/

Was registered on 31 January 2018 and is due to expire on 31 January 2019, so a short term setup to get as much money from unsuspecting timeshare owners as possible.

The email address is [email protected] which is not linked to the website but is again a free email address provider.

Now for this weeks article.

Our Westgate Purchase was a Recipe for Disaster

Jackie Siegel, wife of Westgate owner David Siegel

By the Cameron family

Friday, October 19

Seeing other Westgate owners talk about their experiences has prompted me to do the same, in the hope that more people will come forward to put pressure on timeshare companies and regulators to take a closer look at timeshare sales practices we feel are unfair and deceptive.

Up in Smoke!

http://insidetimeshare.com/fridays-letter-from-america-24/

The Dashiell’s article

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

It is obvious that Westgate, and I believe timeshare in general, has a recipe for success, designed to keep their money rolling in and my money rolling out.

I think I have figured out the secret ingredients!

Step 1: Over promise features and benefits. Add copious amounts of salt with one or two grains of truth.

Step 2: Make them your BFF. Then tenderize customer by forcefully kneading them with one sales pitch after another until they are flattened and easy to manipulate.

Step 3: Quickly gloss over the contract with a nice coating of sugar. Make sure to cover up the actual details of what the customer is buying so that they remain in the dark until much too late for them to cancel their contract. They call this the rescission period and it is quite easy for timeshare sales agents to dodge.

Step 4: Serve on a dirty plate with a fork. I call this plate foreclosure when the buyer finds out you bought something you can’t sell. What product is out there you can’t get rid of?

Step 3: When the customer realizes they have been served a steaming pile of something or other, pretend to be very concerned and run back to the kitchen and hide for months and months. The customer can listen to commercials about why you are happy to have invested in their timeshare while they wait on hold.

Step 5: Finally, when the customer is starting to cause a scene, have the monosyllabic thugs, Greenspoon Marder, eject them from the premises.

The Tennessee AG will be sitting at the next table, pretending like nothing happened while he tucks into his gourmet meal, although I did research and found out the TN AG helped Festiva victims recover $3.5 million.

https://www.tn.gov/attorneygeneral/news/2016/2/24/pr16-04.html

I understand that the consumer needs to take charge here. If there are not enough complaints, as must be the case with Westgate, nothing will happen. I also learned the Consumer Financial Protection Bureau investigated Westgate for two years but dropped the investigation shortly after the presidential election.

https://www.buzzfeednews.com/article/matthewzeitlin/financial-regulators-are-looking-into-americas-largest-times

That’s Westgate owner David Siegel, King of Versailles next to candidate Trump.

Here’s what happened to us

Salesmen, Jonathan Smith, and Mario Pineda (Manager) sold us a timeshare in July 2016 and convinced us that we were making a good, sound financial decision.

They said we were buying something that would:

  • Financially benefit us,
  • Allow us to make money renting our weeks and that they would help with this free of charge,
  • They said we would never have to pay the HOA fees because the rentals would pay for that,
  • They said we would hold a deed to the property and would own this property (Bldg 2041, Villa 302H and 302I).  They left out the part that if you want to sell it nobody wants it,
  • It would be a great tax write off,
  • The equity would keep increasing.

Given all these benefits we signed the contract in good faith, thinking that we would get everything Westgate told us we would get and we would see some return on our “investment” which turned out to be anything but an investment. The reality is that we have not made a penny on this investment. None of the reasons for which we bought this timeshare exist.

While they may define this as real estate, what kind of real estate is worth nothing, except in disaster stricken zones? It is certainly not a tax write-off, it does not gain in value and it would therefore be stupid to pass it on to our family. We would only be passing on a liability.  

On top of all this, our experiences at Westgate locations have been awful. We went to a Westgate property to enjoy time together as a family and wind down. Instead we were pressured to buy more and had our precious vacation time stolen.

The first time we went to Gatlinburg we booked a 3-day trip. We were invited to a presentation. They said it would last 90 minutes but we were held hostage for seven hours! This totally ruined our vacation, plus the loss of what little time we had was the cause of much stress.

All this stress came right back when we had our first full week stay and they tried to do and say anything to get us to upgrade to a more expensive unit and more weeks. They held us again for four hours. The stress of this again completely ruined my vacation.

It was after this last stay I started to have heart pain. When I went to the doctor he said it was stress related. This is when it really hit me that I can’t keep going through the stress of Westgate’s high pressure to buy more and more Westgate. My wife and I work very hard. We don’t get to take many vacations together, so do not enjoy spending our vacation in a bad mood after it feels like we underwent CIA manipulation techniques. Plus, we can’t afford to go through this again.

What Westgate is serving up is no good. We suggest you dine elsewhere.

The Queen of Versailles wants to be Florida’s Governor?

http://floridanationalnews.com/blog/jackie-siegel-for-florida-governor/

Jackie Siegel for Florida Governor?

December 6, 2016

  Well, if you don’t laugh, you’ll cry, I suppose

Thank you to the Camerons for sharing their timeshare story. It is our hope that timeshare companies will read some of these accounts and think about ways to improve customer relations. We encourage members to submit articles, good or bad experiences, but the satisfied customer is less likely to reach out. They are having too much fun vacationing with a product they bought explained properly, compared to the family who feels they were duped.

These self-help websites and Facebooks are resources and provide a way for members to reach out to help other members.

We seek to provide 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://everythingabouttimeshares.com/consider-exchange-options/

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

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

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

 

  So that is another week over and the start of the weekend, join us again next week and remember to do your homework before engaging with any company. If you are not sure then use our contact page and we will point you in the right direction.

Have a great weekend.

 

Consumer Warning: A New Fake Law Firm in Tenerife Part of the Litigious Abogados Family

Just as we expected after the last article about a new fake law firm in Tenerife, Litigacion Abogados, this one is called ADN Alberto Dlendro Nabalez, Litigacionespaña SL and is another in the family of Litigious Abogados.

The website http://litigacionespanasl.com which is only 14 days old was registered on 3 October 2018 with as usual the registrar hidden by privacy protect. According to the home page the company was formed on Thursday 20 August 1990, a date we have seen before. They also show a fakeCIF number A19626885, which is the same as for Litigaciones SL.

The address is also very familiar

4, Calle de S. Francisco, 4, Santa Cruz, 38001-38002, Tenerife

With the following telephone numbers.

Freephone: 0800 862 0 314

Tenerife Tel: 0034 822 680 013

These numbers are also the same as for Litigaciones SL.

Once again they show photographs of their lawyers, which we have again identified.

Alberto Dlendro Nabalez the founder, who is actually López Saavedra, an Argentinian lawyer.

Manuel Rintas Quejom, who is in fact a lawyer based in Orland called David Haenel.

Valentino Afelergo Barile, so far unidentified.

Juan Iominan Ovaso, who we highlight in an earlier article is in fact the Argentinian Lawyer Alberto Nisman, who was assassinated in 2015. https://en.wikipedia.org/wiki/Alberto_Nisman )

We also have the 2 young ladies from the article on Litigaciones SL http://insidetimeshare.com/start-the-week-litigaciones-sl-a-new-name-in-the-litigious-abogados-family/

Vittoria Tetazi Normez (Actual person identified as Johanna M. Herrero, Born Argentina, and runs a law firm in Boston USA, http://www.johannaherrerolaw.com/attorneys-1/ )

Maria Gosadema Raviya (At present unidentified)

Now for a firm whose website was only registered on 3 October, they have really surpassed themselves, they actually have a case being heard in court on 30 October, and to be part of this case a sum of money has to be paid direct to the “Court Procurator” directly. As yet we do not know what name they will be using for this Procurator.

So we now have a new name with the same old fraud.

This just goes to show how careful timeshare owners must be, if you have any doubts about the authenticity of any caller, email or company you have found on the internet, you should do your homework and check them thoroughly. If you need any help in this, use our contact page and Inside Timeshare will help you make the checks.

Remember, do your homework, you know it makes sense!

The Tuesday Slot

Welcome to the Tuesday Slot, this article replaces the one originally scheduled as at the last minute the problem may have been resolved, news on this will be published when we have confirmation. So this week we publish the results of the election where our very own Irene Parker stood to be elected to the HOA Board of Diamond US Collections as a representative of all members.

As for news from Europe, the courts have not issued any new sentences, although many cases have been heard.

On the fake “lawyers” front Inside Timeshare has received many emails from anxious owners being contacted by those we have highlighted. All are telling the same story, their timeshare company has been taken to court and found guilty, they have awarded the owners so many thousands of pounds in compensation, but to release it they must first send 20% of the awarded amount to cover tax. For those of you who are familiar with our articles, you know what this is, a complete and utter scam.

Since our article about Silverpoint on 3 October, Inside Timeshare has been overwhelmed with emails from very concerned purchasers, this has resulted in the lack of article being published. It was felt that these enquiries were to be answered and addressed, so our apologies for the lack of articles.

We have also received an email from one reader who has contacted a law firm in the UK and they want £850 to conduct a viability report to see if there is a claim on a no win no fee basis! For a more intense report they want £1,200 This law firm Seth Lovis is charging money from a timeshare owner to see if they can take on her case!

This is totally unethical, Inside Timeshare will do this for free, then we will pass you on to a lawyer who has the experience in this field.

Now for our Tuesday Slot.

Diamond Resorts Election Results – U.S Collection HOA Board

5,387,000 Votes! A Landslide Psychological Victory

By Irene Parker, Candidate finishing #8

October 16, 2018

Diamond Resorts announced election results for their U.S. Collection which was held  October 10, 2018. I finished #8 with 5,387,000 votes.

I have been researching this industry for over three years now. I keep hearing the same complaints over and over from those who bought timeshares from several developers. It’s a broken record coming from 614 families, as of October 14, all but a handful alleging unfair and deceptive sales practices.

My husband and I owned three timeshares for 30 years, our life revolving around the next vacation. I didn’t even know how to use Facebook until I attended a pathetically aggressive timeshare presentation in 2015. I wrote a couple articles and started to hear from timeshare buyers complaining of unfair and deceptive sales practices. I saw that there were a number of Attorneys General investigations and settlements launched against several developers.

I resent being called an “industry hater” by one developer, as I loved this industry for 30 years. It is preposterous for timeshare lobbyists and developers to insist there is no problem with the front end of the timeshare sale – only with exit companies “targeting” timeshare members who would otherwise be happy timeshare owners. Families report being financially devastated and don’t know where to turn.

I have always said half a problem goes away when confronted. Either the industry will confront the deceit on the front end of the sale, or Timeshare Wars continue.

All but a handful of the 621 families have reported:    

  1. They said it was an investment,
  2. They said it was easy to sell,
  3. They said to fill out an application to see if we were eligible, but they opened a credit card and charged it for the purchase (or down payment),
  4. They said we could pay our maintenance fees with this new program, but the program didn’t exit,
  5. They said we could sell our timeshare if we bought more points, but the program didn’t exist,
  6. They said we could pay our maintenance fees by using a credit card, but we would have to charge $200,000 in a year to pay a $2,000 maintenance fee,  
  7. They said airfare would be included when we booked a stay,
  8. The sales agent said the last agent did not sell us enough points,
  9. They showed us a book of resorts, but there is never any availability when we try to book,
  10. They said we could rent our timeshare, but the resort does not allow this,
  11. They said if we did not give up our deed and buy points, our children’s’ credit would be destroyed if something happened to us,
  12. Hours long tag-team, high pressure, aggressive sales presentations,
  13. They said if we didn’t change to another program our maintenance fees will go through the roof,
  14. I should not have bought a timeshare in Hawaii because they have hurricanes,
  15. I should not have bought a timeshare in Florida because they have hurricanes,
  16. The sales agent said he would be my personal representative, but he never returned my calls or text messages.    

Timeshare Advocacy Group™ mission statement:

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.

Our Diamond Resorts member-sponsored advocacy Facebook launched by an economics professor broke 2,000 members today:

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

My campaign bio:

Irene Parker has experience and knowledge in the fields of finance, sales and marketing. Irene holds an MBA from St. Louis University, and holds a Certified Financial Planner (CFP) certificate. Irene retired from Edward Jones Hawaii. She served as a founding member of the Salvation Army Board of Directors, Waimea, a member of the Condo Board at One Archer Lane, Honolulu, a member of The Ombudsman Advisory Board in Kentucky, and was a Kentucky CASA supervisor.

You did!

Thank you,

Irene

Timeshare Advocacy Group™

Facilitator

Well, all we can say is well done to Irene, you certainly gave them a run for their money, your hard work and tenacity has proven that the little people can make a difference. Also a very big thank you to all those who voted for Irene, your voices have been heard.

If you have a timeshare problem that you would like real information on, then use our contact page and get in touch, we have a wealth of knowledge from so many sources that we will find a solution for you. When you contact us, please let us know from what part of the world you are from and where you own or are a member, it will help us put you in touch with the right people.

Friday’s Letter from America

Welcome to this week’s Letter from America, today Irene Parker gives us a report on the 3rd Quarter of Timeshare Advocacy Group.

We are also pleased to announce the publication of The book Everything About Timeshare, Before, During and After the Sale is just around the corner, plenty of time for the holiday shopping season. Our own Irene Parker wrote the Forward for Wayne C. Robinson‘s book. To stay updated on the release, subscribe to this link:

13 SHOCKING SECRETS http://eepurl.com/dxsZEb

We have also received the following from one of our very concerned Anfi members and readers, this was posted on the Anfi Contracts facebook page. It would appear that there is some grave concern as to where large amounts of money have gone and members are calling for an explanation.

Ahead of Monte’s general assembly in November, an important issue needs to be clarified. In the accounts published last year, Monte’s two main debtors were, at the end of 2016: Anfi Resorts (the operational company) with an accumulated debt of €1.897.858, and Anfi Sales (the sales company) with an accumulated debt of €1.854.918.

In the accounts presented this year, Resorts are listed with €0 in debt, whereas Sales’ debt has increased by €20.000 to €1.874.755. Meanwhile, a new post has appeared: post 12, called “present investments” (translated from Norwegian), with a total of €1.456.093 at the end of 2017.

These investments represent €441.765 less than Resorts’ accumulated debt at the end of 2016. At the general assembly, the club members should be entitled to an explanation as to the whereabouts of this money, and be informed about where the “present investments” have been invested.

Well all we can say is we will be watching this story as it unfolds with the November General Assembly.

Now for this week’s article.

Timeshare Advocacy Group™ 3rd Quarter Report 2018

T Shirts are in! (T Shirts are blue)

  

By Irene Parker

October 12, 2018  

Timeshare Advocacy Group™  has heard from exactly 600 timeshare families as of September 30, 2018, since we began tracking complaints in 2017. We received a total of 267 reports from families for all of 2017, so 333 families for the first three quarters of 2018 is a dramatic increase.

2018 broken down by quarters:

1st quarter 126

2nd quarter 111

3rd quarter 96

We anticipate an upswing fourth quarter when maintenance fee invoices go out. We have already received 21 new complaints from October 1 to October 10.

Most families contacting us are angry, overwhelmed, and confused, all but a handful describing unfair and deceptive sales practices. They say they bought a timeshare for reasons that did not exist, based on false promises made by timeshare sales agents. The Brett Kavanaugh hearings have taught us about the importance of the burden of proof. While four FBI agents and several attorneys have told me it is not legal to use and abuse the oral representation clause, the ingrained mantra timeshare company response to the majority of complaints is “You signed a contract.”

Not one member who contacted us was aware of the inadequate secondary market until hit with a medical or financial crisis, like Ashley Muise our newest Inside Timeshare contributor. Ashley’s baby was born needing two open heart surgeries. Adding a timeshare loan foreclosure on top of that kind of stress has driven many families to despair. Most of our senior readers maintained an 800 plus credit score for 30 plus years, now forced to endure the demeaning timeshare foreclosure process. I would not make a good timeshare customer service representative because I am moved by their distress.

According to the U.S. Federal Trade Commission Section 5:

https://www.federalreserve.gov/boarddocs/supmanual/cch/ftca.pdf

Our standard disclaimer is that we know there are millions who bought and use their timeshares with no complaints. Timeshare buyers blessed with an honest sales agent should not demean or judge those who say they experienced unfair and deceptive sales practices.

“Don’t call a timeshare exit company!”

“We have your best interest at heart!”  

This the message one timeshare company sent to their members.

No they don’t have your best interest at heart. If the timeshare company had your best interest at heart, why do they almost always respond, “You signed a contract” when members complain about being lied to. They have their bottom line’s best interest at heart. The timeshare developer doesn’t want anyone to stand in the way of their “recaptured inventory” process. Timeshare company annual reports list a secondary market as a risk to shareholders.

The timeshare developer

The timeshare lobby

Lawmakers and some regulators

We are as much against timeshare exit companies as the developer, but given the “Hear no evil, see no evil” response from the industry as to the obvious deceit perpetrated by timeshare sales agents, it’s hard to feel sympathy for the timeshare developer plagued with “cease and desist” letters. They say their members are being “targeted” when in fact members are desperate and turn to internet key words for help.

The Florida Department of Business Practices and Regulation (DBPR) advises members to call a lawyer – referring them to what amounts to be a lawyer phone book of sorts. More than a few times the member ended up with a lawyer who doesn’t know what they are doing because they don’t have timeshare experience. The lawyers get paid, and then we end up helping the member for free.   

Members have reported back to us that The Nevada Real Estate Division has responded to all but a few complaints with “You have no proof.” It is legal to record a meeting without the other party aware in Nevada. In Nevada members need to record the sales presentation.

The Florida DBPR, responds, “Verbal representations are hard to prove,” but Florida is a two person state, meaning both parties need to be aware of the recording of an in-person meeting. Members are not allowed to take handwritten notes from the sales agent, so I don’t know what proof anyone could produce. Tell them you will record. If they say no, forget the gift and leave. If you will be charged something if you leave, painstakingly write down every word the sales agent utters.  

Only two out of 600 complaints have members recorded. The first to record had their contract cancelled in a heartbeat. The second, even with the recording, has had to fight tooth and nail. She has received a full refund from the credit card company, their entire purchase, but the timeshare company is still not releasing her from the contract!  

Timeshare members seek straight answers, which our advocates provide free of charge from England to Malaysia.

Our 44 advocates are professionals who bring their skills and life experiences to the table, volunteering their time to help answer members’ questions.

Pete Gibbs has volunteered to be our Secret Shopper coordinator, replacing Karen Garello. Thank you to Karen for her past service.

Karen’s Secret Shopper questions:

http://insidetimeshare.com/fridays-letter-america-16/

Advocate Sheilah Brust has her three page pencil pitch from Florida that shows:

$8631

-8631    

0   (Meaning buying additional points would result in no maintenance fees)

First, Sheilah was told the company didn’t know if she obtained the pencil pitch without the sales agent knowing. When she pointed out how preposterous this defense is – while the pencil pitch is incriminating, it is inadmissible if she took it on her own! The next defense, the Florida AG timeshare reviewer told her that she didn’t understand the pencil pitch either until she talked to the company’s attorney. So how, Sheilah asked, would anyone understand this convoluted, sleight-of-hand explanation of the ability to pay maintenance fees with points? No such program exists?

Frustrated, Sheilah designed a T Shirt that we hope to sell to raise money for a legal defense fund, as has been suggested. We have several 100% disabled veterans and members with grave medical decisions driven to financial disaster, some driven to the verge of bankruptcy.  We have a five member committee to account for receipt and disbursement of funds. As of now, we are in the preliminary proposal writing stage. We are working out the mechanics of a Go Fund Me account. We will suggest buyers contribute $5 from every T Shirt to the legal defense fund.

Many of those we have helped were on their way to the upfront “guaranteed to get you out of your timeshare” firms, some that prey on those already victimized. Not all exit companies are bad, but scams abound. From this perspective, the developer, the timeshare lobby ARDA, and TAG advocates are on the same side. This 15 page Department of Justice report listing timeshare fraud, jail terms and fines, says it all:  

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

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.

Thank you to all our Inside Timeshare contributors and upcoming new contributors. Contact Inside Timeshare if you, or someone you know, needs assistance or would like to share their timeshare story for the benefit of others.

“Knowledge speaks, but wisdom listens” Jimi Hendrix

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

That is all for this week, if you have any comments or would like to contribute an article use our contact page and we will get back to you.

Have a great weekend and join us again next week.

More Fake Law Firms Surface

Today we publish another 2 fake law firms, the first is another incarnation of that fake outfit in Tenerife which we have dubbed Litigious Abogados Family.

The new name is Litigacion Abogados with the website

http://litigacion-abogados.com

Which was registered on 5 September 2018 so only a month old, as usual the registrant is hidden using a privacy service.

The address given on the website is one that we have seen before

6, Calle de SAN. Francisco, Santa Cruz, 38001-38002, Tenerife

With the following telephone numbers

Freephone: 0800 862 0036

Tenerife Tel: 0034 822 684 562

The email addresses are once again the @consultant.com which is a free email address provider and not linked to the website.

[email protected]

[email protected]

The website is exactly the same as all previous ones apart from the names of the lawyers, the homepage states that the company was founded on Thursday 2 August 1990 by Juan Drimales Deolaro, pictured below.

The other lawyers are named as

Manuel Doleva Elkulete

Valentin Foga Rehalna

Manuel Selbon Vamilos

So far the actual people in the photographs have not been identified, but rest assured they will have just been taken from images posted on the internet.

We can bet the same format will be used, that your timeshare company is being taken to court and for a fee paid to the procurador (yet to be identified) you can be part of the case. Later you will receive notification that the director of your timeshare company pleaded guilty and to release the funds a tax will need to be paid. We know the rest of the story.

This is a fake law firm just like all the others that have preceded it, do not be taken in by them.

Our second fake law firm is rather interesting, they are called VB Ballesteros y Asociados, the website which looks very professional is

https://vbballesterosyasociados.com/

Registered 5 June 2018 and again the registrant is hidden by a privacy company based in the UK. The address given is

Doctor Fleming s/n, 28032 Madrid.

Telephone number which is a Spanish mobile

0034 634 066 899

With the email address

Email. [email protected]

On the About page they give a lawyers registration number 108099 when this is checked with the lawyers register for Madrid there is a lawyer named as Virginia Benítez Ballesteros, who was registered 21 June 2013. Making some checks on this lawyer we did find several references to her, one was her facebook page and she lists where she has studied, which is quite impressive, she also shows she is working for Enveld Capital SA and is Company Secretary and on the Board of Directors. So we can can safely say that whoever is behind this fake law firm is using this young ladies good name and registration number.

Miss Ballesteros has been informed of this illegal use of her name and registration number and no doubt she will take the appropriate legal action, it is just totally despicable that these crooks and swindlers are using the good name of a hard working young lady.

If you have been contacted by either of the above or even by any company claiming to be a law firm, then use our contact page and let us know the details. If you are unsure how to check on the validity of any company, contact us and we will help you find out. It is through your information that we can warn others.

The Tuesday Slot

Welcome to The Tuesday Slot, this week we publish another “Nightmare on Timeshare Street” from a new contributor James McConnell, a Veterans Administration Chaplain. But first we look at another “Nightmare on Timeshare Street” which Inside Timeshare has been highlighting for around 3 years. Many of our older readers will remember the story of Mrs B and her sister, the last update was in January 2018, well the story has just resurfaced.

To recap, Mrs B, purchased a timeshare at the Dona Lola Club on the Costa del Sol, Spain in 2000, at the time they were 72 and 65 respectively. Their purchase at what can only be described as a high pressure lengthy presentation, was for 2 weeks in a 3 bed apartment, the cost at that time was £7000. (This has since been transferred to their points club).

At the time of the purchase, new legislation had been in force for about 1 year, this made the taking of any payments within the 14 day cooling off period illegal along with the length of the contract being over 50 years in duration, what is known as perpetuity. Mr B and her sister were not made aware of this fact at the time.

For years they paid the annual maintenance fees, even though they had not used the timeshare due to illness. In 2014 they decided to get rid of the Dona Lola timeshare along with another that they owned at Oasis Lanz Club in Lanzarote. They paid a company £5,695 to dispose of both timeshares.

In 2015 the paperwork arrived showing that both timeshare had been sold to a gentleman in the UK, this is where the problems began.

The timeshare at Oasis Lanz was successfully transfered to the gentleman, (Inside Timeshare has his name, address and passport details), the problem is with the Dona Lola Club operated by none other than probably the worst timeshare company in Europe, MacDonald Resorts.

MacDonald Resorts refuse to recognise the transfer of ownership, they say that they do not recognise the company that carried it out, but at no time warned Mrs B and her sister that they would not accept the transfer of ownership.

MacDonald Resorts then employed Network Credit Services Limited of Hamilton, Lanarkshire, a debt collecting agency who have over the past 3 years constantly threatened legal action if the debt of now over £3,500 is not paid. Network Credit Services have been told repeatedly that this debt is in dispute and therefore they should return it to MacDonald Resorts. They are still harassing her.

The latest in this sorry saga are new threats, these include copies of court orders they claim to have won against debtors of MacDonald Resorts, if that isn’t a blatant use of threats and scare tactics we don’t know what is.

Inside Timeshare has told Mrs B to fill in one of the forms stating that the debt is in dispute and send it back, Inside Timeshare will also travel to the UK and help her when the case comes to the County Court, along with legal help and all the documents that show the timeshare has been transferred.

We will keep you posted on this story as it unfolds over the next few months, now for this weeks article.

We Lost $24,695 to Allied Solutions Group plus $3,200 to Help4TSO

Trying to get rid of our Bluegreen and Silverleaf Timeshares

Research Travel Clubs before Buying

https://www.patientcare.va.gov/chaplain/index.asp

Our Story

By James McConnell, a Veterans Administration Chaplain

October 9, 2018

My wife Donna and I are 76 and 80 years old. I am a Baptist Chaplain at the VA Medical Center in Las Vegas. I spent 20 years in the Army. I was eight years an enlisted soldier and twelve years a chaplain. As an enlisted man, I was stationed in Korea for a year in 1969, stationed three years in Germany and the rest in the states. I served as Chaplain at Fort Dix, NJ from 1983 until retirement in 1994. I also served at Field Station Kunia and the 4th of the 87th Infantry Battalion as their Chaplain in Hawaii. I was stationed in Saudi Arabia and Kuwait during Desert Shield/Desert Storm and assigned to the 1st of the 17th Field Artillery Battalion as their Chaplain during the war.   

We are aware that many seniors are going through what we are going through, stuck with timeshares we can’t get rid of, and then losing even more money to companies promising you that they can get you out of your timeshare but don’t.  Allied Solutions Group told us they could get rid of our timeshares if we pay them more money for a travel club.

We attended the Allied Solutions Group presentation over a year ago at a Joe’s Crab Shack for the purpose of getting out of our two timeshares. We paid Midwest Transfer $27,895 May 17, 2017 for a Travel Club package. The purchase price included a credit of $3,200 ($1,600 each for the Bluegreen and Silverleaf timeshares), but now we are stuck with a travel club we don’t need or want and the two timeshares. It’s a nightmare. They didn’t even give us information about the travel club.  

I contacted Irene Parker at Inside Timeshare. Irene contacted Help4TSO and spoke with a representative. Irene said the representative was very nice. She said he looked up our records and said they refunded us $3,200 because they did not get us out of our timeshare. We never received a check for $3,200.

Irene also contacted Allied Solutions Group for us. They would not talk to her. Irene asked if they could tell her what services Allied Solutions Group provided. The representative Irene spoke with said she would not describe their services. Irene thought this odd a company would not explain the services their company provided.    

We understood that what Allied Solution Group proposed was a travel club. It was supposed to be a replacement for what we had hoped to lose. Getting out of timeshare was the only reason we attended. We had no interest in spending money for another vacation since we were trying to get rid of what we owned. Allied Solution Group told us the program we signed up with would replace our timeshares. The Allied Solutions Group wrote three dispute letters which we were to correct and send to the timeshare people. We did that but didn’t hear anything of consequence back.  

We have a $37,000 loan. We owned two Silverleaf weeks and are still paying. If you own a house, you can sell your house if you have a loan. We did not know that timeshares are worthless. This is devastating for seniors who have always paid their bills on time. What can you do if you bought something that can’t be sold?

Allied Solution Group/Midwest Transfer described their services as a Mortgage Relief Advocacy Process. They said an advocacy firm is retained by Help4TSO,

Helping Timeshare Owners, LLC, Orlando, Florida.

According to the Help4TSO website:

Orlando Ventures, LLC dba Helping Timeshare Owners will fight to recover any and all monies paid to the developer. If not successful, Orlando Ventures, LLC will refund 100% of your monies back. Orlando Ventures will receive a 10% commission on monies recovered not to exceed $500.

We signed the agreement May 18, 2017

$1,600 charged to be released from Silverleaf

$1,600 charged to be released from Bluegreen

Also known as The Midwest Transfer, a mortgage relief and travel plan

May 25, 2017 agreements were signed by Bill Howell.

$6,300

$9,595.

$8,800.

$24,695 + $3,200 = $27,895

Why are regulators not interested? There seems to be no one to talk to and no one seems to care. It is shameful and we don’t understand why there is so little regulation. It seems the only way to protect consumers is to write about what is happening to warn others. DON’T BUY A TIMESHARE YOU CANNOT GET RID OF and don’t pay anyone you don’t know money to get out of a timeshare.

One of Allied Group Solution’s BBB complaints and the company response followed by what happened to us

Allied Solution Group

https://www.bbb.org/us/mo/springfield/profile/timeshare-transfer/allied-solution-group-0734-43288/complaints

On June 6, 2017 we signed a contract to remove our name from 3 timeshares and purchased a replacement vacation company. We paid a total of $15,142. Of this, 3 charges of $1,569 were for the timeshare transfers. They have completed one transfer, but refuse to either complete the other 2 or refund the $1,569 each for those 2. They were notified in August that one of the timeshare companies would not work with them and they should have made a refund at that time. The other timeshare was carried on their books as 3 contracts. They then asked for us to sign and pay for 3 more transfers at $1,569 each. We would not and they sent a letter the file was on “freeze”. Letters requesting the refunds of $1,569 for each of the 2 incomplete transfers were sent 11-15 & 12-27-2017 no response from either.

Allied Solution Group Response

03/16/2018

Mr. and Mrs. **** entered into a contract with Allied Solution Group (ASG) on June 6, 2017 requesting us to get them out of three ownership’s. ***** ******** ****, ****** *****, and *** ***** ****** at Tahoe. On June 13, 2017 we spoke with the client and verified the full contract and also discussed that we were doing three transfers and getting them enrolled in to ******* ********* ***** ****. At that time, there were no concerns from the client and we charged the client outside of their rescission period. On June 27, 2017 we called the client again to discuss to the need of some signed documentation in order to proceed. We followed up on July 10, 13, 25, 26, 31st and within those times we either spoke to the client or left a message stating their ******* ******** ****** **** was on hold until we received that paperwork. On August 4, 2017 we received the requested documentation, but the needed signatures were still not on the documents. We spoke with the client on August 7, 2017 and discussed the need for signatures again, and mailed an additional copy to client. On August 14, 2017 the client called with tracking information for the signed documents.  Upon the receipt of these documents we still needed the deeds and documents for the ownership with Shell, ****** *****, and *** *****. We sent a second notice to the client for needed deeds on August 29, 2017. On September 18, 2017 the client called and said the deed for ***** could take up to 60 days to get back due to flooding in Florida. On September 19, 2017 the enrollment into ******* ******** ****** **** was completed. On October 12, 2017 we sent a third and final notice for deeds on their ownership’s for transfer. On October 17, 2017 we received the deeds for ownership, and it was brought to our attention that there were six ownership instead of the three that were discussed at the point of sale. At the point of sale and on our Welcome Call we reconfirmed that there were three ownership’s. As with any service that is provided if there is more work than what was originally presented, there will be an additional cost. We sent additional documentation on October 20, 2016 if the client chose to have us do all six transfers versus the original three, but told them it was their choice. October 27, 2017 we put the ***** transfer on hold until we heard back from the client and sent them documentation to show the freeze as well, to which, we have not heard back. We have completed the the ****** ***** transfer and *** ***** ****** is processing. *** ***** ****** transfer did not begin until August of 2017 when we received the needed deed in office. Within the contract it states we have 12 to 18 months to transfer this ownership. We currently are well within that window. We have done exactly as the client requested, and cannot help that the facts presented to us at point of sale were not accurate. We are happy to finish our contracted work, but will not work on the ***** property until the client communicates their wishes with us. There are no grounds for a cancellation. We will discuss this further with the client if needed.

Thank you James for your contribution, this article along with today’s lead, really does show that timeshare is truly a nightmare.

If you have a story which you would like to share and make others aware of, then use our contact page and get in touch, we would love to hear from you. Inside Timeshare is also asking for any lawyer who has experience of UK debt legislation and County Courts to get in touch to offer advice in the case of Mrs B. In advance thank you.

Friday’s Letter from America

Welcome to this week’s Letter from America, we publish another “Nightmare on Timeshare Street” article this week which focuses on Westgate, we welcome our new contributor who wishes to remain anonymous for obvious reasons. But first a quick look at the timeshare news from Europe.

Another Judge at the Courts of First Instance Number 2 in Maspalomas has joined other Judges in deciding on a case at the pre-trial stage rather than sending it for a full trial, that now makes Courts numbers 1, 2, 3 and four all following the same route.

Usually the pre-trial stage is used to allow a last minute out of court settlement and deciding if the case warrants a full trial. These courts have now decided that it is a waste of valuable court time to set dates and hold the full trial, the reasoning is that it is a matter of the contracts, they violate the timeshare laws and are cut and dried cases. This will be good news for many clients who are waiting to go to court as it will now speed up the process considerably.

We have heard from another reader who informed us of a company called Litigation Services SL with the company registration number B93268936, they give the address C/ CORONEL RIPOLLET, EDF SANTOS REIN S/N FUENGIROLA (this is a rather seedy street).

The director is listed as CALLE GUDEN DANIEL ERNESTO Appointment: 15/10/2014, but another very old familiar name is also listed although he was dismissed on the above date, SHARIFI DADVAR MAHMOUD REZA.

According to the caller, the courts have seized sizable amounts of money from Timelinx and DWVC (Designer Way Vacation Club) which we know are no longer in existence, Litigation Services SL will help you to claim the money you paid. Obviously they need a fee to process this. The thing is there are no funds waiting at court to be claimed, we also know that in the past this company has had links with the likes of Greenges, Fuengirola Servicios 2000 and our old friends Ramirez and Ramirez.

It would also seem that not only those who had dealings with DWVC are being targeted, but Club Class Concierge clients are being contacted. The story is that there is a court case against them in the Spanish Courts, The company is called Key Legal Claims and they will represent you in court and obtain the money you paid Club Class.

The caller is Emily Carter with the phone number 01212852941. Emily will require a release fee to get the money from the courts, as we have seen in the past this is not the case, there is no money being held by the courts for either of these “Clubs”.

Now on with our Letter from America

My Westgate Timeshare is Up in Smoke!

By a Westgate buyer

October 5, 2018

The peasant of Venice and the Queen of Versailles revisited,

Comments from Irene

The Siegel’s “Queen of Versailles” Florida home

Their lavish pad is nine times larger than other houses in the area (90,000 square feet) and has a $20 million mortgage, which is 100 times the size of the average mortgage in Central Florida, according to the Orlando Sentinel.

https://www.dailymail.co.uk/femail/article-2310067/Construction-FINALLY-restarts-vast-Queen-Versailles-mansion-recession-hit-owners-raise-30m-needed-complete-it.html     

By a Westgate owner who wishes to remain anonymous. Contact Inside Timeshare if you would like to contact the author.  

Wealth Achieved at What Price?

Up in Smoke

I own a Westgate timeshare. I purchased the timeshare in Gatlinburg, Tennessee a while ago. In November 2016 the resort caught fire and my unit was burned to the ground. They are rebuilding, but the new units are totally different from the units being replaced.  I am being asked to pay for a unit that has not been built, and given less options for the same money. I don’t see how this can be fair, but given the way in which we have been treated, I don’t think ‘fair’ is anything Westgate cares about.

The manner in which I was induced to sign the original contract attests to this:

The timeshare would be a great investment because it is real estate,

  • I could sell it,
  • I could rent it to make my money back,
  • I could get a tax break, the same as a homeowner,
  • I could get a loan to pay off my loan because it was an investment.

Westgate sales agent Zak told us it was best to buy low because in years to come the value of the property would increase.  He provided an example of one of the original owners that purchased paying only $3000, and then showed me what the property is worth today. I now know timeshares are a liability, almost impossible to sell for even pennies on the dollar. The salesman misrepresented pretty much everything to make the sale.

Timeshares are not the same as real estate, and with little to no secondary market, not an investment. Many timeshares, including Westgate, can be bought online for $1. The market is flooded with timeshares and it is almost impossible to rent them out. Tax deductions are not allowed.

I relied on what the sales agent said. Now I am left with payments for something that is not what was described. Based on my experience, the poorly regulated timeshare product benefits only the sales agent, in the form of commissions, and the timeshare company, who apparently has amassed a fortune at our expense.  

Our timeshare sale began with deception. A mandatory update, which is not mandatory, stated it would last 30 minutes, but it was a sales presentation that lasted 4 hours. They didn’t care about my sightseeing tour plans ruined. There has never been a time when staying at a Westgate vacation resort that I have not been pressured by employees trying to sell or upgrade me to a pricier unit. Despite making loan payments every month plus maintenance fees, before you can even use the week, you have to undergo the pressure imposed by a Westgate employee, taking up one of your vacation days, trying to sell you something that you don’t want or need.

When I think about my Westgate experience these last five years, listening to sales agents making promises unfulfilled, having spent thousands of dollars, what I have is worth nothing. This has been a nightmare.

I have tried to contact Westgate to talk about my concerns. They strung me along for months and months saying they’d get back to me. Eventually, their paralegal wrote a generic cut and paste letter stating that I had signed a contract so that was that. This is the level of care Westgate shows its owners?

Their home is 90,000 Square feet?

Thank you to this Westgate owner, who wishes to remain anonymous, but has provided their contact information should others wish to contact them through Inside Timeshare. These are member accounts hoping to warn others to know that what they bought is probably worth nothing. The timeshare developer is always welcome to present their side of the argument.  

My question to timeshare developers is, how much is enough? Inside Timeshare has heard from 609 timeshare members and owners, many families financially devastated, alleging unfair and deceptive sales practices. Most signed off on high interest loans.

We thank timeshare members for submitting their experiences in the hope of warning those thinking about buying a timeshare, to be aware the purchase they are about to make can have devastating financial consequences.

What house, condo, boat or car would you buy that could not be resold? What would happen to the residential home market if buyers learned after their purchase, the “asset” they bought had no secondary market? It is not uncommon for Inside Timeshare to hear from timeshare buyers who paid $100,000 or more for a timeshare, easily the cost of a condo or home. Timeshares are hard enough to sell, but almost impossible with a loan attached. You can sell a house or a car with a loan, but not a timeshare.

You can rent the documentary “The Queen of Versailles” from Netflix, about the 90,000 square foot home being built in Orlando by Westgate owners David and Jackie Siegel. The documentary took Best Director at Sundance some years ago.

https://www.justwatch.com/us/movie/the-queen-of-versailles#

As a former stockbroker, I have no objection to great wealth, but given the Dashiell’s articles submitted last week and today’s article by a Westgate owner, I ask, “Wealth at what price?”

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

I have heard from Carolyn Willis, a third Westgate buyer, whose timeshare went “Up in Smoke” also, angry beyond words.

 The Siegel’s 90,000 square foot house led to my timeshare advocacy efforts. I attended a pathetically aggressive timeshare sales presentation July 2015. When I returned to our unit, I turned on the television and happened to tune into Las Vegas attorney Bob Massi’s FOX show Property Man, featuring the Siegel house.  Disgusted with what I had just experienced, I wrote to Mr. Massi. About a month later the FOX producer called me and said they had received a flood of timeshare complaints. The producer said the segment was not even about timeshare, but about the Siegel’s palatial home. She said Mr. Massi is a friend of the Siegels. I was the only respondent invited to be interviewed by Mr. Massi. She said I was selected because I was the only respondent who said I wanted to talk about the positives of timeshare and not just the negatives.

 My house in Venice 1,770 square feet

Sometimes it takes a peasant revolt.

I described my timeshare presentation experience in fairytale format. My husband and I were in between homes, moving from Bowling Green, Kentucky to Venice, Florida. The comparison was irresistible, so I christened myself the peasant of Venice, as my LinkedIn profile describes.

http://insidetimeshare.com/peasant-venice-queen-versailles/

Contact Inside Timeshare if you have a timeshare experience to share. We know there are many who use and enjoy their timeshare. They may not be aware that timeshares often have virtually no secondary market. Many reaching out to us only learned this when life circumstances prompted them to look into selling their timeshare.  Timeshare companies list the lack of a secondary market as a risk to shareholders in their annual reports. There is little empathy for the timeshare buyer who has spent thousands of dollars only to learn their timeshare is, by design, worth nothing. Greenhaven Capital Management touted the lack of a secondary market as a benefit for private equity investors. In a moment of anger, I wrote this mock interview after reading about Greenhaven, touting the timeshare stock BECAUSE of no secondary market. I find this shameful.  

My apologies to British comedians Bird and Fortune

http://insidetimeshare.com/new-across-atlantic/

Do not pay anyone money upfront to get out of a timeshare without checking with Inside Timeshare or one of these self-help groups. You will find straight answers at no cost on these sites.

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/

That’s it for this week, remember if you have been contacted by any company with a story that your timeshare company or club has been taken to court and there is money waiting for you, it will be a scam. If you need any help in checking the validity of any company that contacts you or one that you have found on the internet or advert, then use our contact page and we will point you in the right direction.

Have a great weekend and join us again next week.

Silverpoint: The Story Moves On

Silverpoint formerly Resort Properties and now also known as Signallia Marketing Distribution SL is no stranger to these pages, or to many of those readers who have in the past purchased timeshares from them.

Many of these purchasers have also been taken in with the promise of “investment packs”, these are packs of weeks and apartments which were sold with the promise of a substantial return after two years. This return was supposed to have happened with the resale of those weeks, but these never happened, leaving many with huge maintenance fees and even bigger Barclays Partner Finance loans.

The story was always the same, the weeks and apartments that the clients purchased could not be sold as they were not sought after, in order to secure the initial “investment” the clients needed to “upgrade” to better quality apartments which were being sought. This “upgrade” would also be financed with a BPF loans arranged by firstly Resort Properties and then Silverpoint.

At the helm of this enterprise was the Chief Executive Officer Mark Cushway, who is still at the helm, although they insist they no longer sell “timeshare”.

Mark Cushway

A few years ago these “investment” packs were changed to “The Company Participation Scheme”. This is where the clients are then sold “participations” (not shares), in “registered” companies. These are actually apartments that are registered as companies with names like Palm Beach 112, using the names of the resorts along with a number, (possibly the apartment).

Once again like the “investment” weeks the whole point is to dodge the strict timeshare laws, which at first Silverpoint were successful in doing so. They actually fooled the courts in the early days that the purchasers were not buying timeshare but were investing in property. Eventually the Supreme Court ruled that these clients were buying timeshare and were not investors, therefore they had the full protection of the timeshare laws.

Since that first ruling Silverpoint has been on the receiving end of many court cases, almost on a daily basis, with the court’s finding for the clients. This is costing Silverpoint hundreds of thousands of pounds, in the past few weeks alone the courts have ordered they repay around half a million pounds.

So as the title says, the story now moves on.

Silverpoint have set up numerous companies and associations with others, to once again dupe the very same clients they duped before.

Inside Timeshare has had many emails from these clients, all have attended presentations either in Tenerife or the UK, all with the same purpose, to get them to sign up with another product or have their timeshare contract cancelled with the promise of a claim.

In Tenerife it is Centaurus Mediations, with another associate of Mark Cushway being linked to it called Lee Burton. Again this name has appeared on these pages in the past, as a bit of a henchman. (see link below) The pitch is to either sell them Keys Concierge, a so-called “lifestyle” product promising massive discounts, the cost, around £10,000 or a cancellation of the contract.

Lee Burton

Another company linked to Silverpoint is Aspirantco SL, with offices literally across the road from The Suites Beverly Hills. This company claims they are nothing to do with Silverpoint but on Mark Cushways Linkedin page under Silverpoint employees it clearly shows that they are linked. (see PDFs below)

silverpoint employees 1

silverpoint employees 2

We then have Claims Solutions Group, a company we have already highlighted on these pages, based in Aberfeldy, linked to this company is Bryan Wilson, who has recently advertised for “telemarketing” staff for a new call center apparently in West Kirby.

Bryan Wilson third from left

 

 

 

 

 

 

 

 

 

 

Another company linked with all this is Fullbrook Associates of Stirling, again using members data provided by Silverpoint, (see links below).

The purpose is to contact Silverpoint clients, using members data provided by Silverpoint and Mark Cushway, the deal is very simple, they are the only ones who can get you out of your Silverpoint contract. But to do so you first have to pay thousands to do this.

Not bad I hear you say, first they take your money to sell you the illegal timeshare, contract, then you have to pay them again to get out. Sounds like a win win for none other than Silverpoint and Mark Cushway!

So what is the aim of all this?

As we have reported on these pages, Silverpoint is losing hand over fist in the courts, at the rate this is happening they will soon have nothing left. By getting you the owners of these worthless timeshares to have your contracts cancelled, either by trading in for Keys Concierge or by having Claims Solutions Group have them cancelled, you will then have no recourse to take them to court and retrieve all the money you have paid in the past. In other words it is a damage limitation exercise at the same time getting as much of your money as possible.

Inside Timeshare has been reliably informed that Criminal Denuncias along with numerous civil actions have already been filed against many of the participants, we also know that there are many more cases waiting to be heard by the courts, not just for the timeshare “scam” but also for the “company participation scheme”.

If you are contacted by any of the mentioned companies or are enticed to a presentation while on holiday in Tenerife the warning is simple, “DON’T SIGN UP TO ANYTHING, AVOID THEM LIKE THE PROVERBIAL PLAGUE”.

If you have been taken by Resort Properties / Silverpoint with either timeshare or the company participation scheme and want to know how you can legally get your money back, also having the contracts declared null and void, then contact Inside Timeshare for further information. The courts and the law are on your side, don’t let these people get away with what has already been dubbed “one of the biggest timeshare frauds in history”. Time is running out, act now.

Links to previous articles.

http://insidetimeshare.com/start-the-week-new-information-on-centaurus-mediations/

http://insidetimeshare.com/centaurus-mediations-silverpoint-connection/

http://insidetimeshare.com/start-week-joke/