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Friday’s Letter from America

Welcome to another edition of Letter from America, this week we publish another “Nightmare on Timeshare Street” which was originally published on 21 December 2018 but was withdrawn due to having to be changed. It is another story about the ongoing problem of Elder Abuse, Brenda Santos explains her parents “Nightmare”, edited by our very own Irene Parker.

The main character in today’s article is a name that has come up many times on Inside Timeshare, Rick Casper, a name that is well known around timeshare circles. Yet Diamond allowed him to continue his deceptive practices even though they should have known what he was doing, in this I believe Diamond is as culpable as Rick Casper.

We think that you will be shocked once you have read this article, so without any further ado, on with the last Letter from America before Christmas.

Why I Feel My Parents Experienced Elder Abuse

Their Encounter with Diamond Resorts and Rick Casper

By Brenda Santos, a daughter and Irene Parker

December 21, 2018

January 4, 2019 Retraction by Irene Parker

Diamond Resorts, via the Duane Morris law firm, has demanded that Inside Timeshare publish a retraction due to a misinterpretation of a sentence in the italicized paragraph below.

We mistakenly stated that Dan Percy allegedly sexually assaulted Rick Casper’s fiancée at Diamond CEO Michael Flaskey’s penthouse, when the alleged sexual assault, according to Rick Casper, took place in their guest accommodations. It was my understanding Michael Flaskey’s penthouse was the same property as the Villa, in other words, the Villa and Michael Flaskey’s penthouse were one and the same.

After receiving the letter objecting to the statement, Charles Thomas immediately deleted the offending sentences. However, Duane Morris/Diamond has demanded a retraction we thus provide.

We apologize for the misunderstanding. Our intent was to shed light on the actions twenty Diamond members contend were perpetrated by Rick Casper. The alleged sexual assault was mentioned because Rick Casper alleges he was fired for reporting the alleged sexual assault to Diamond’s Human Resource department, not because he created reasons why existing member had to buy additional points.      

The actual wording in the complaint filed in US District Court District of Nevada reads as follows:

  1. Plaintiff (Rick Casper) and Ms. McGrath left before the concert ended to retire early to their guest accommodations.  
  2. Upon information and belief, after the concert, Defendant Percy and other Diamond Resorts employees and contest winners were invited by Michael Flaskey to his Penthouse Suite at Cabo Azul for more cocktails and then later to the hotel bar, whereupon Defendant Percy and another Diamond Resorts employee were nearly engaged in an altercation.
  3. Upon information and belief, Percy was drinking heavily at the dinner, the concert, and at Flaskey’s Suite and hotel bar.
  4. Plaintiff’s guest accommodations at the Diamond Resorts event were at guest bedroom at Villa Palmila, a Diamond Resorts property (“Villa”). The Villa was a well-appointed house with several bedrooms. Plaintiff and Ms. McGrath had their own bedroom and shared the Villa with other Diamond Resorts employees and contest winners who occupied the other bedrooms.
  5. To get to Plaintiff’s bedroom in the Villa, it was necessary to walk through two sets of double doors.

Original paragraphs:   

According to the lawsuit, Mr. Casper earned over $1 million in 2015, $2.4 million in 2016 and $2.4 million in 2017 selling Diamond timeshare points. Why did this go on so long when members reported his actions as far back as early 2016? Members report being told Casper said the member would be able to sell points or eliminate maintenance fees if they bought more points – programs that did not exist. Casper filed the lawsuit alleging his Diamond VP Dan Percy sexually assaulted his fiancée at Diamond CEO Michael Flaskey’s penthouse in Cabo San Lucas. Casper alleges he was fired for reporting the incident to Diamond’s Human Resource department.

As Rick Casper alleges, “At instruction of DIAMOND RESORTS, Plaintiff CASPER was asked to identify or facilitate issues that were wrong with the owners’ current ownership points.” Case 2:18-cv-01455-GMN-NJK

Original December 21 article with the offending paragraph omitted:

Having connected with six other grown children whose parents have been harmed by timeshare, it is our intention to organize a media, legislative and regulatory outreach for the purpose of alerting the public as to unfair and deceptive timeshare sales practices which we feel also constitutes elder abuse. We are professionals. Three of us have parents who are veterans, one a double Purple Heart recipient.

My father Dale, age 73, is an Army veteran and was a Captain in the Vietnam War. He earned a Bronze Star for Victorious Service. My mom will be 73 in January. Our family has been financially and physically devastated by their decision to buy Diamond timeshare points. My parents always lived debt free, saved to buy things like cars, so having to do a reverse mortgage because of what these sales agents told my parents is unbearable. We have learned we are not alone.

Roy and Lillian Simmons, a Navy veteran and a retired letter carrier

http://insidetimeshare.com/tuesday-slot-irene-13/

Raymond and Teresa Mori, Mr. Mori a Marine Veteran, two Purple Hearts

http://www.insidetimeshare.com/fridays-letter-america-42/

My parents represent the 20th Rick Casper complaint from our support group of over 2,000 Diamond Resort families. I have learned Rick Casper’s name is known among law firms outside of our group.

In a lawsuit Rick Casper filed August 7, 2018 against Diamond Resorts and his former VP Dan Percy, Rick Casper admitted he created reasons or problems why existing members needed to buy additional timeshare points, as happened to my parents. A summary of the 20 Rick Casper complaints are listed below. As Diamond understands Rick Casper employed deceptive and unfair sales tactics, it is wrong not to recognize and correct what Diamond and Rick Casper did to my parents. I challenge anyone to read the 20 complaints and not conclude my father is telling the truth.

According to the lawsuit, Mr. Casper earned over $1 million in 2015, $2.4 million in 2016 and $2.4 million in 2017 selling Diamond timeshare points. Why did this go on so long when members reported his actions as far back as early 2016? Members report being told Casper said the member would be able to sell points or eliminate maintenance fees if they bought more points – programs that did not exist. 

As Rick Casper alleges, “At instruction of DIAMOND RESORTS, Plaintiff CASPER was asked to identify or facilitate issues that were wrong with the owners’ current ownership points.” Case 2:18-cv-01455-GMN-NJK

My parents were former Sunterra owners since 2006. Their problems first started when they went to a timeshare presentation at Diamond’s Daytona Beach Regency resort on May 11, 2015. According to my parents, they were told they were not full Diamond members so it was important to get things changed. The sales agent explained that Diamond took over Sunterra due to bankruptcy.

That was not true. Diamond Resorts acquired Sunterra, but not because of bankruptcy: https://www.travelweekly.com/Travel-News/Hotel-News/Diamond-Resorts-to-acquire-Sunterra-Corp-for-700-million

The following is what my father recounted to me about his Diamond experiences.

The Florida sales agent in 2015 explained that we needed to get out of our current Sunterra contract to become Diamond members. He used scare tactics to get us concerned that if we did not make the switch to Diamond officially our current investment with Sunterra would be worthless. The sales agent said if we purchased Diamond points, we would no longer be part of a bankrupt orphan group.

We previously purchased a Diamond Sampler (trial) package but it was almost impossible to get a reservation. We were trying to figure out how to get out of it when the sales agent presented what seemed to be a perfect solution. He said that by buying additional points, Diamond would fold our Sunterra contracts into one new Diamond points system. Several managers explained that we were not going to have enough points to do anything now that the Sunterra credit card was not able to be used due to the bankruptcy. The manager told us we would have legal issues and would risk losing everything and would not be able to sell the timeshare if we were not fully vested Diamond members.” We have learned Diamond points are virtually worthless.

After six hours, we were exhausted. Irene is diabetic and her blood sugar was increasing. We were stressed from hearing the news about our bankrupt investment, so we signed fast just to get out of there to get Irene’s blood sugar taken care of. We were thrilled to be out of the Sampler and thought we were finally set as a fully vested Diamond member. Diamond sales agent Mike sounded very helpful so we bought 2500 points for $10,925.

Three months later, on August 11, 2015 we met with Scott at Cancun Resort in Las Vegas. This meeting lasted seven hours. The representative kept reiterating how he was just trying to help us get out of the mess we were in because of our Florida purchase.

Scott said the only way to get the best benefits was to purchase more points to get to Silver status. He explained that until you get to Silver you will have all kinds of problems. He also said our maintenance fees would be taken care of and we would be able to sell points back, possibly at a profit. We said we were not interested. A manager told us we needed to know the truth about what happened to us as a result of our Florida purchase because the changeover to Diamond did not happen correctly. He said we were still not fully deeded with Diamond Resorts.  

Diamond points are not deeded.

The sales agents said we had to purchase 6,500 points to get out of Sunterra completely to become a true vested Diamond member. He told us the vacations and airline tickets would pay for the points so we would not be out any other money and that maintenance fees would not increase, but be capped by reaching Silver status. None of this was true.

I was offered a Barclay credit card to pay for the fees. We purchased 6500 points for $22,945. Silver status benefits were totally misrepresented. Our maintenance fees were not taken care of. We found out later that our prior contracts were indeed with Diamond and legit.

My parents purchased 7500 points on March 15, 2016

Purchase price:  $32,625

We went to a timeshare presentation on March 15, 2016 and met with Rick Casper at Cancun Resort in Las Vegas. Casper told us when we started the presentation that he was not going to sell us anything. He said we had not been told the truth about a lot of things and that he wanted to make things right. “With the program I am in charge of there will be an exit strategy so that someday, if you don’t want the timeshare and your kids do not want it, they can exit out easily.” He said he was a family guy and would not want his kids to have to deal with high maintenance fees so it would be better to ensure a cap on maintenance fees. He explained how we or our children would never be able to get out of the timeshare in the future unless we were part of his special group that would allow us to exit. He said we could make money on our investment by selling points.

Rick Casper showed us a worksheet as to what we would save by using points for maintenance fees and airfares. The math figures made sense. I already had a Barclay card that I used to finance the 2015 purchase. Rick Casper told us that if my wife could get her own Barclay card we could put almost the entire purchase on the Barclay Mastercard.  

We were there for over seven hours. We felt like hostages because they would not give us our free gifts until Rick’s supervisor finished. We bought with the understanding that we would be able to sell points. The charges on our Barclaycard ended up being way more than was disclosed.  Rick Casper said our Gold status bonus points would put a cap on maintenance fees for generations, but our maintenance fees skyrocketed as a result of this contract which was supposed to consolidate four prior contracts.

We signed fast because Irene almost passed out due to her diabetes and blood sugar levels. We told Rick we had to leave. We were tired and already under a lot of emotional distress to find out that Scott Pritchard did not fix anything the year before. We felt pressured to make it right or risk never being able to use points to pay for maintenance fees or exit out of the timeshare without being in Rick’s special elite program.  

When we received our Barclay credit card statement we noticed an additional $1000 charged for what Rick Casper presented to us as a gift from Diamond.

We contacted Diamond. A representative told us that there was no way we could use our points to pay for maintenance fees. I called and asked Rick Casper to correct the issue. His response was in a loud screaming threatening voice, “How dare you accuse me? I didn’t tell you those things; you are trying to get me in trouble. I am going to sue you if you pursue this and go to my supervisor.” I told him that he was dishonest and that we would take action.  His screaming was abusive, degrading, and caused me physical and mental distress. I have been through a lot of trauma as a Vietnam War veteran but have never been screamed at and degraded like Rick Casper did to me. I ended up very traumatized emotionally which caused me to have a stress attack in 2016.

After recounting this incident for my daughter a few weeks ago, I had a similar attack and had to be admitted to the hospital for heart symptoms. The doctor was a different doctor from the same medical group. He noted from my patient history that the mention of Diamond prompted my 2016 symptoms. I was put on blood pressure medication due to this emotional stress and have daily deteriorating health issues as a result of the stress this causes me every time I walk into my house and know I have debt on my home as a result of tactics I consider to be an organized effort to take advantage of us.

We had to do a reverse mortgage on our home as a result of these timeshare purchases because our social security income was too low to cover the total charged on both Barclay cards. I worked as a Baptist pastor until retirement. My credit score was 817 the day we met with Rick Casper but it has gone down considerably.  

In May 2016 we went to another Diamond presentation to try and figure out how to use our points to pay for our maintenance fees since we were having a hard time getting through to anyone at Diamond.  The timeshare representative was very embarrassed about what had happened and apologized on behalf of Diamond Resorts for the deception. He told us he wanted to help us understand what we had. He said that paying $32,625 for 7500 points was unheard of and that we could not do anything Rick Casper told us we could do at our current Gold status, which he said was only put in the system temporarily.  

That Diamond representative told us that we should take action and file a complaint. He explained how using points for an airline ticket would cost us 11,000 points (or about $2,200 for one domestic airline ticket) so not a good deal. We could not use points to pay for maintenance fees at Gold status. Only Platinum members can use points to pay maintenance fees and at only $.04 per point.  

Gold status did not give us what Rick Casper said it was going to give us, which included paying maintenance fees with points, exiting out of the timeshare, and being able to sell our timeshare points to make money on our investment.

We are both in terrible health and financial distress as a result of this Diamond resort investment trauma.

I learned of this only recently. I’m still trying to grasp the situation.  Diamond responded denying the request to cancel the last purchase because they used their points and said that nothing Rick Casper said was in writing. What is there to stop this from happening to others if misrepresentations continue unchecked? I believe my parents. How could anyone not believe them after reading so many similar complaints? I sent this article to Diamond for comment on December 17, but they did not respond.   

Twenty Rick Casper Complaints and excerpts from articles submitted by those who purchased points from Rick Casper:           

  1. SM, age 65 and his wife 81, 21 years Army, trained chemical, biochemical, nuclear defense RESOLVED http://insidetimeshare.com/nightmares-timeshare-street/

After the last Rick Casper up-sell, their monthly payment escalated from $431 a month to $2200. They told Mr. Casper they were worried about passing this burden on to their heirs.  

  1.  CL $75,000 RESOLVED – A Stage 4 cancer patient

During our meeting we were told about all the changes that had been discussed at the dinner that would allow us to sell our points. My husband has cancer so all that was going through his mind was trying to make a choice that would help me later on if the chemo didn’t work and when Rick Casper convinced him this was the answer that’s all that my husband heard.  

  1. N C, ages 67 and  69 $142,000 RESOLVED

http://insidetimeshare.com/another-nightmare-timeshare-street/

We are both disabled and retired from civil service. Dan is a retired army Lt. Colonel and a combat Vietnam and Desert Storm veteran.  

We are Platinum members. We feel our most recent Diamond purchase was made under deceptive and extremely high pressure selling techniques. We had been struggling with two loan payments of $329 and $121 but the most recent purchase we did not even realize we made, will drive us into foreclosure. Rick Casper in Las Vegas on January 22, 2017 sold us 50,000 Diamond points bringing our total number of points to 106,000. Our new loan payment is $2,133 a month which we cannot pay. The $142,400 purchase of 50,000 points included $17,000 charged to a DRI Barclaycard. We did not realize we made this $142,000 purchase until we returned home and checked our credit cards. As I have had a double mastectomy, undergone chemotherapy, radiation and have had two knee replacement surgeries, buying more vacation points was in no way our intention. Dan has had two minor strokes and a mild heart attack. He has chronic pain and is on 25 medications prescribed by the VA and our doctors. He suffers from PTSD. I was in terrible knee pain. Rick provided me with two glasses of wine in a Styrofoam cup with plastic lids because alcohol is not allowed at presentations.

Rick said we should join the new “Legacy program” that allows members to sell blocks of Diamond points to a third party with all Diamond benefits intact.  He said if we joined the Legacy program “people would be standing in line to buy our points.”

After six hours, my pain increased and I became confused. I walk with a cane so it was an effort just to walk to the restroom as it was some distance. Dan was confused due to diabetic symptoms. We were so overwhelmed by the time we were signing contracts, we did not even realize we were buying points. Rick kept saying we would receive 50,000 bonus points. We signed just to get out of there.

  1. KK, age 61 $117,000 RESOLVED

Questionnaire sheet asked: Had you attended a dinner? What is your exit strategy? Apollo had dinners informing members Cloobeck was leaving.  Not everyone heard the presentation so Rick was talking to Platinum members about the Legacy program. He said DRI never allowed you to sell points. This will. He knows real estate people can get $5 on resale for DRI points. New members are paying $9 so if you buy at $4 it is easy to sell. He had contacts that he could set us up with. 12/29/2016

5 RB, age 66 $75,000 RESOLVED

Mr. Casper said on at least four occasions I was eligible for a Pool Party Upgrade that would provide an exit strategy. He said the program was about to expire so I needed to write a sentence that said I wanted to do this and he would get the purchase approved. I never received a copy of the sentence. The purpose was to make my existing points more valuable. Mr. Casper went on to explain that this exit strategy would allow me to monitor and sell points. He mentioned that he is a family man and does not want to pass his points and maintenance fees on to his kids.

6 JH, age 56 $132,000 RESOLVED

The main benefit that Rick Casper presented was the ability to convert points directly into cash at $0.30 per point. If we had leftover points, he said we could be reimbursed in cash. All we had to do was contact Rick’s Vice President Dan Percy who would process the transaction and put the money on our reloadable Visa card.

I continued to ask questions about each benefit to be certain.  I worded questions differently to see if I would get the same answer.  I threw out this scenario; if at the end of the year I have 30,000 points still sitting in my account, you’re telling me that I can get reimbursed cash for these points at $0.30 per point?”  His response; “Absolutely – You contact Dan Percy and he will load $9,000 onto the Visa card.” We purchased 40,000 points to get us to the level of Super Platinum. There is no level above Platinum.

7 AC, age 68 $55,000

http://insidetimeshare.com/wednesday-article-america/

We purchased an additional 20,000 points on July 16, 2016 for $55,200 from Richard Casper. The reason is because Rick told us if we went from Gold to Platinum, he could sell points to substantially reduce our maintenance fees by submitting receipts to him for goods and services. We have never seen a tangible way to reduce our current $8,685 fees.  

During the presentation we asked about combining our eight contracts. Casper advised that any free and clear points sold on the resale market will have the same benefits except loyalty level as long as no more than 20,000 points were sold to one individual so it would be better not to combine the points. None of this was true. Casper stated that many Gold owners would be happy to buy 20,000 points at the lower price to become Platinum.  

We contacted Richard Casper by email on April 7, 2017 because we needed to sell 20,000 points. We received an auto reply stating to contact VP Dan Percy. Dan Percy stated that Diamond Resorts sales personnel don’t assist people who need to sell points.

8 JM, age 61 $90,000 RESOLVED

Rick Casper was introduced to me as a Platinum specialist. Mr. Casper said I made a big mistake buying Hawaii points and a bigger mistake transferring the 20,000 points I bought in Daytona, due to a class action lawsuit against DRI that caused exorbitant increases in maintenance fees because of storm related beach erosion.  

Mr. Casper said I had to transfer back to US Collection and if I owned 100,000 points I would be unofficially known as double Platinum and that I could sell unused points back to Diamond at 30 cents per point. Mr. Casper said this was closely regulated by the authorities. Mr. Casper said by selling these points back I could pay some or all of my maintenance fees for that year and years to follow. Mr. Casper said this would allow my children not to have to pay maintenance fees. “You are really passing your children a bill.  We have a new program if you reach me in November to let me know what you did not use. Diamond will buy the points back at $.30 to, ‘put them back in the kitty’. We need the points because we can sell them to other people who need them. What are you waiting for? This is a no brainer.”

I purchased an additional 30,000 points. I now owned 115,000 points. Mr. Casper said the reason for the 30 cent program was due to the sale of Diamond to Apollo. Mr. Casper said Mr. Cloobeck wanted to do something for members who owned over 100,000 points to show his appreciation. He included the 30 cent per point program in the terms of the Apollo buyout.  

In November 2016 I called Rick Casper to inform him I had 80,000 points I wished to cash in so that I would receive $24,000 as he had illustrated.  He denied any knowledge of the arrangement.  I spoke with Dan Percy. He said no such program existed.    

  1. SW 100% disabled Army veteran Agent Orange exposure

April 6, 2018 $170,000 1099 issued

http://insidetimeshare.com/fridays-letter-america-44/

In 2016 we went to Las Vegas and stayed at Diamond’s Cancun resort and met with Rick Casper. Mr. Casper said if we upgraded, we would be able to cover maintenance fees. However, maintenance fees increased after the upgrade from $5,000 to $16,000 a year. After five hours, my blood sugar was at 400. I was recovering from congestive heart failure. Rick Casper said it would cost us $198,000, $2500 a month in payments for the next 10 years but after ten years we would have no maintenance fees and no loan payment. Rick Casper said, “Then the little people will be paying for your vacation.” He said it would take up to a year and a half to set up but he would personally handle it. He said since we were only paying $3, he had a guy that could sell points for much more than that and the proceeds would pay for maintenance fees. I ended up paying a company in Branson MO $1500 to get out of this; but now the IRS has issued us a 1099 for $170,000. I’m 71 years old.

#10 MP RESOLVED, a widow, a speech teacher, age 71

April 2018 Platinum

My husband John and I purchased an additional 25,000 US Collection points May 2017 from Rick Casper. He said we had to purchase these points to take advantage of a program that would allow us not to have to pay Maintenance Fees after we paid off our loan. Mr. Casper said the program description had been sent to us in a letter we should have received. Rick Casper told us that because we did not get a letter, Diamond would still offer what had been offered.  He did not have a copy of the letter. Rick Casper told my husband and me (John was still alive at the time), that once we paid off our loan, we would not have to pay maintenance fees.

The scare that Rick put into me was because he said we would be paying a million dollars in maintenance fees over our lifespan if we did not buy the additional 25,000 points.  Rick Casper explained how Diamond maintenance fees would continue to skyrocket. We purchased the 25,000 points for $86,250. Wed had purchased 53000 points previously.

John was in much pain. We did not know at the time he had cancer, spine and skeleton, which had metastasized. John kept saying, “I do not want to do this.” Rick Casper even asked, “Is he alright?” I was incredulous because it was obvious John was not alright. He was diagnosed with cancer October 13, 2017. Our presentation started at 8:30 AM and did not end until 7:30 PM. John was terribly affected by my decision. He couldn’t get over what we (I) had done because we already had enough points.

Well, in order to not have to wait ten years to not pay maintenance fees, I went right out and got a lower interest rate home equity loan. I felt this way I could pay the loan off in 30 days so that I would not have to pay 2018 maintenance fees.

#11 D H UNRESOLVED

We told Rick Casper about our concerns:

  1. Concerned about paying even more maintenance fees if we purchased more points.

Rick reassured us that if we purchased more points we could use them to pay all our maintenance fees every year and still have points left to travel.

We trusted Rick so we bought 25,000 more points, upgrading to Platinum so that we could take advantage of the .30 per point benefit. How can this be justified? These deceitful sales tactics go against many laws (FBI, ARDA and SEC to name a few).

  1. Concerned that we couldn’t use the points we already had, let alone buy more.

Rick was very skilled in reassuring us that all would be ok if we purchased more points. He even stated that as Platinum he would be our personal concierge.

  1. Concerned our timeshare was not a good investment.

Rick reassured us it was a good investment, and that points were selling for more than what we originally paid; he showed us a chart with yearly increases. He mentioned that he had a friend that resells timeshares and that DR points were in high demand. He said that if we ever decided to sell that he would put us in touch with his friend, who can easily sell our points for double what we paid. This eased our minds. Nov. 2016, I texted Rick and asked him if he still knows a guy that’s willing to buy our timeshare. He never replied.

#12 J K We were Gold members, told we could save on maintenance fees via a reloadable VISA card that would be credited to pay maintenance fees. Purchasing additional points or upgrading to Platinum was never mentioned.

Rick Casper said DRI VP Dan Percy would take care of our 2018 maintenance fees.  Due to signing electronically, we were not aware we had purchased an additional 30,000 points until we returned home and reviewed the actual documents, received new credit cards, and invoices. It was difficult, if not impossible, to read the contract via the electronic signing.

I have learned there is a real program called 20/20 or 30/30, depending on the loyalty level in which 30% of vacation points can be credited toward travel discounts.  Rick Casper adulterated the actual program to be able to cover himself and Dan Percy. In other words, you can redeem points at $.30 per point, but not for the reasons Rick Casper stated. You cannot redeem points at $.30 per point to pay maintenance fees.

#13 MS, ages 80 and 84 Parents of #12

Rick Casper said Dan Percy would handle our 2018 maintenance fees. He explained that the program they were up for and the current ownership will benefit us and allow for better use of ownership.  Due to the electronic signing of the contract, we did not know we had purchased 30,000 additional points until we returned home and could properly review the documents, received the credit cards and invoices. It was difficult, if not impossible, to review the contracts on the small Tablet.  

#14 M Y, age 72

We went to Polo Towers September 2, 2017. We wanted to know how to reduce maintenance fees. Rick Casper told us that the only way to reduce maintenance fees was to buy more points. He asked, “Are you happy about paying all these maintenance fees?” We purchased 47,500 additional points.

When we got home, three Barclay cards came in the mail. We were charged almost $28,000. He never mentioned that he was even going to open the cards. We already had one Barclaycard. When we got to our room, we reviewed the documents, but it did not really show the Barclay charges.

The very next day we told Joey Guiterrez we wanted to cancel. He said if you cancel you will lose all your benefits and be fined $40,000. I asked why and he said that’s just how it is. When I complained, he denied saying this. My husband was with me. I became depressed for months.

#15 T T Rick Casper complaint

TT (age 51) and IT

25000 points purchased Polo Towers, Las Vegas, NV on September 5, 2017

Sales Agent: Richard “Rick” Casper – Real Estate License S.0172679

Purchase Price: $102,000

Down Payment: $29,000

Amount Financed: $73,750 @ 12.1305%

Down payment charged to Barclay Diamond Cards

Rick Casper said we would not have to pay out of pocket for Maintenance Fees ever again, and we would not have to worry about losing any points at the end of the year – Dan Percy, VP of Sales, will be in contact with us after 21 days and will work with us.

Casper said that if we did not purchase, we would not be included in the new program to use our points to pay for all our maintenance fees. He caught our interest when he told us how the Maintenance Fee could be fully paid for by points and the credit card program by getting credit for paying for the Maintenance Fee, flights, car rentals, cruises and other travel expenses. He said the points could be redeemed at $0.30/point. What Rick told and showed us addressed many of the struggles and anxieties that we faced owning the timeshare, so we were glad to hear about the new programs (we later learned did not exist).

Rick said to get started; we needed to purchase more points. I asked Rick specifically: “If we were to be in this new program, would we need any out of pocket money to pay maintenance fees?”  He replied that by using points and the credit card, that with the additional 25000 points, it would be enough to cover the maintenance fees for future years.

I was unemployed at the time, so asked if we could delay purchasing more points but he became very strict in explaining the offer was only for this session, and how he would note that we refused the new program on the exit form. We felt compelled to purchase the points. We definitely do not need these additional points.

Dan Percy moved to Hawaii and directed inquiries to go to Joey Gutierrezs.

My wife and I have determined through contact with Joey Gutierrez and others at Polo Towers that the program for points for maintenance fees does not exist. Platinum members can pay maintenance fees at $0.04 (not $0.30) per point and will not pay the full MF amount of $8,631.  

#16 G K

We bought points five or six times. We did not have problems with Diamond until we encountered Rick Casper.  We purchased 50,000 points. I called Joey Guiterrez two days after we purchased to cancel. He was skillful in dodging the rescission clause.  Our Polo Towers meeting with Rick Casper was August 18, 2017

I was told at the beginning of the meeting that I would be spending $700,000 over the next 20 years just in maintenance fees. Rick Casper said he would help me create a program to cover these expenses. I pulled out my cell phone to use the calculator to check this figure. Mr. Casper assured me the amount was correct so I put the calculator away. The $700,000 was not correct. I created an Excel spreadsheet based on the average increase of 5.6% a year.

My maintenance fees were about $14,200 at the time. Rick Casper said that if I purchased 50,000 points, I would be able to redeem the points at an average of $.20 a point which would generate $10,000 in cash. Rick Casper said I could then sell half the points I already owned to generate the remaining amount to cover the maintenance fees.

I called Diamond Resorts around February of 2018 and asked to redeem 50,000 points. I was informed there was no such program. I would have to use my points for travel such as airfare ($.10 a point) or restaurants or lodging outside Diamond at only $.10 a point. There were very few ways in which to use points for this. I don’t need a new TV let alone dozens of them.

Rick Casper said I would be assigned my own agent (Daniel Percy) in Vegas to assist me with all bookings. When I called I found out that the bookings would simply be made through Interval International. It seems Daniel Percy worked in tandem with Rick Casper.

No mention was made of the fact that purchasing an additional 50,000 points would raise my maintenance fee by approximately $8,300.

AFTER signing, I was given a folder with the spiral bound book that said to the effect: “Read This Thoroughly before Signing Any Documents”.  Upon reflection of the documents I signed, I found that my maintenance fees would now increase by over $8000 meaning any efforts to “cover my maintenance fees” with this contract were useless!

We had an early start to the airport the next morning to arrive in Seattle for our Alaska Cruise. I placed a call Mr. Joey Guiterrez. I told him I wanted to cancel. He spent about 20 minutes trying to convince me otherwise. He finally said, “Well, if that is what you want” and left it there. On the sixth calendar day, Mr. Guiterrez contacted me. I had called to ask why the contract had not been cancelled. He stated that the contract had to be cancelled in writing within five calendar days. Mr. Guiterrez obviously waited until the sixth calendar day to dodge the rescission period.

The only response from Diamond was, “You signed the contract.”  Noting all of the lies that lead me to sign the contract were a non-issue according to the person I talked to.  .

#17 P B

Disabled, worked ER for 20 years, attacked by patient, the patient did know what she was doing

Age 63 LA County Sheriff’s Department

Deputy Sheriff for 25 years

Our accounts have been foreclosed.  We were in good standing until we met with Rick Casper.

In 2016 we stopped at Polo Towers.  We told them we were having trouble financially because I was on disability income and my husband was just retired. They said they could offer us a refinance but it ended up we purchased US Collection points not even knowing we had purchased them. They said they would slip the paperwork under our door. They did not. We had no documents provided to us. Before we got on our plane to continue on a Dream Holiday, I received an email (which Diamond says does not exist but I have a copy) saying attached is our paperwork and that they would mail the documents. The purchase made us Platinum but we were not even aware we had bought additional points.

Rick Casper did the paperwork process. He went over with us about the refinancing and that the 2017 and 2018 maintenance fees would be included.  We had met Dan Percy before the closing process. He also confirmed that we were doing a refinance that would include the maintenance fees and that this transaction would reduce our monthly payments by a few hundred dollars per month.

They said Dan Percy would be our contact person.  An email said that if we received a maintenance fee invoice, we should contact Dan Percy. We contacted Percy after we received a maintenance fee invoice for $15,000. He said we owe the money.

This company is beyond belief.

#18 TF A non-disclosure agreement signed.

#19 TZ 60,000 points were purchased, but I rescinded the Casper purchase because they would not put in writing what I was told.  Casper tried to convince us to get a mortgage on our home. He said there was no way to get out of a Diamond contract.

Rick Casper complaint #20 are my parents.

Thank you Brenda for your contribution and also to Irene for taking the time to edit, as you have seen, this character has caused untold misery and that is the ones we know about. The question is how many more people have had to suffer a “Nightmare on Timeshare Street” because of Rick Casper?

This message is not just to Diamond, but to all timeshare companies who allow their sales agents to do what the hell they like, just so they can line their pockets with millions in commissions. They are your employees, they are selling your product, they are selling your name, you are “RESPONSIBLE FOR WHAT YOUR SALES AGENTS SAY!”

If you have any comments or have a similar story to tell, then contact us at Inside Timeshare by using our contact page, we will get back to you.

Consumer Warning: Joint Claims Victories & Timeshare Resort Rescue

We are only 2 days into the new year and we already have a warning to timeshare owners about another dubious setup. The warning was sent in by a legitimate claims company based in the UK who often informs Inside Timeshare about companies who have contacted their existing clients, asking for our help in identifying them.

These are the two companies that have been named:

JOINT CLAIM VICTORIES LIMITED (11504358)

33 Leigh Road, Leigh-On-Sea, United Kingdom, SS9 1DL

Which is a private house

It was registered on 7 August 2018

https://www.google.com/maps/place/33+Leigh+Rd,+Southend-on-Sea,+Leigh-on-Sea+SS9+1JP,+UK/@51.5441486,0.6720989,3a,31y,309.23h,95.63t/data=!3m6!1e1!3m4!1sDIm5traxJ9f-HbLu9XHRrw!2e0!7i13312!8i6656!4m5!3m4!1s0x47d8d98f8f23a1d3:0x9331461f3f876577!8m2!3d51.5442448!4d0.6719165

TIMESHARE RESORT RESCUE LIMITED (11456459)

33 Southside Road, Leigh-On-Sea, United Kingdom, SS9 1DL

This address is not quite correct as it should read Flat 33, Southside, 260-80 Leigh Road, it is again just a block of flats.

Registered on 10 July 2018

https://www.google.es/maps/@51.5429317,0.6620948,3a,90y,183.55h,103.43t/data=!3m6!1e1!3m4!1sBWhUwfEgK-nSXiK3BhBdEw!2e0!7i13312!8i6656?hl=en&authuser=0

We have not found any website for either company.

Both companies are registered to Reece Turner, who is resident on the Costa Del Sol and has also been advertising for a telemarketer on facebook:

SPACES ARE LIMITED ****

Looking for qualified telemarketer to bring our numbers up to 10 by the end of the year we are specialized in timeshare/finance claims and looking for marketers with plenty of experience. Willing to do 5 hours minimum arranging appointments/homesits, providing highly qualified leads for our uk based legal team. 250 paid per tour/deal. Weekly pay every Friday

Work from home be your own boss

Phone and leads provided

Full training package

Average OTE 750/1000 a week

Also we specialize in all freehold owners the only law panel in the uk to cater for all

If you are interested in this role please email me on [email protected]

It transpires that he was paid for supplying the client and received a bonus when the client signed up for a claim. This client was then contacted again by telephone and asked to send more money to complete work they had already paid for. The payment was sent to Mr R Turner, so not only is he getting paid for supplying the client, but then demanding more money from the client direct, the term greed springs mind.

In this case the client contacted their legal company asking if they had received the extra payment sent to Mr Turner, the confused legal company acted immediately and had the payment stopped. It does make you wonder how many more have been taken in and not had the thought of checking with their legal company. The legal company have also informed the Authorities in the UK and also in Spain.

So if you have had a call from either of these companies, Reece or Sally, contact Inside Timeshare with the details, we can then keep our readers updated.

This is another example of how careful you have to be when receiving calls, if you have signed up with a legitimate company for any legal work and receive any calls or emails asking for extra payment, contact your own company first and check if what you are told is true.

If you are contacted by any company with a story that your timeshare company or resort are being taken to court, or there is money lodged with a court waiting for you to claim it, then use our contact page and let us know. Inside Timeshare will help you to make the right checks before you pay anything.

 

The Tuesday Slot

Welcome to the first Tuesday Slot of 2019, first thank you to Irene Parker for taking the time to get this weeks article to us, all our readers thoughts are with you at this time. As the planet rotated and the New Year dawned across the globe, the messages wishing Inside Timeshare a Happy New Year never stopped, so thank you to all our readers for your thoughts and Inside Timeshare also wishes you a very happy and prosperous New Year.

Timeshare Accountability Group™

A New Name – a New Year

By Irene Parker

New Year’s Day 2019

TAG begins the New Year with a new name. Accountability is a better word than advocacy so now we are Timeshare Accountability Group™   as we shift our focus more towards media, legislative and regulatory outreach. We will maintain our teams consisting of 44 supporters to answer questions about regulatory and law enforcement filings. Some websites are not that easy to navigate and some members express technological challenges.

We changed to Accountability for four reasons:

As mentioned, we will focus more on media, legislative and regulatory outreach.

Second, some outfit is using our key words running internet ads charging upfront money to get you out of your timeshare.

Third, a number of individuals and organizations that use the words advocate and consumer have nothing to do with advocating for a consumer. A lot of the criminals on this 15 page Department of Justice Report timeshare scam report called themselves advocates. We don’t want to be lumped in with those masquerading as advocates.

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

Fourth, I’m tired of being described by Diamond Resorts as a “self-styled, ‘advocate’ a third party, not a lawyer, not a professional journalist.” I have never described myself as a professional journalist. I describe myself as an amateur scribbler. Diamond’s point I believe is that I don’t have the liability protection afforded professional journalists.

I was a professional court report writer. As a CASA supervisor (Court Appointed Special Advocates), I wrote court reports for Family Court judges and interested parties in an effort to determine the best outcome for a child or children in foster care. The despair in the voices of some angry timeshare members is similar to the despair of a parent whose child has been removed from their home.    

“Irene Parker purports to get her ‘clients’ out of their legally binding contracts,” Diamond explains. I have readers. The definition of purport: “appear or claim to be or do something, especially falsely” What our team members do is empower the timeshare member with the support needed to file regulatory and, if necessary, law enforcement complaints. It is every citizen’s right to file complaints if they feel they have been harmed.

The foreclosure process can be demeaning and demoralizing. It means a lot to know you are not alone. It is especially difficult for seniors who may have lost a spouse, or for those with 800 or better credit scores, left with no choice but to foreclose due to little or no secondary market. Timeshares are not like a house that can be easily sold with a loan outstanding, yet we are greeted “Welcome Home!” when we check in and we are told to think of our timeshare as a second home.             

Last year we reported Timeshare Accountability Group™ ended 2017 with a total of 207 timeshare members reaching out to us for help, all but a handful contacting us about unfair and deceptive timeshare sales practices.       

We ended 2018 with 432 members contacting us. More than double!

Our goals for 2019 remain the same:   

⦁ Boost our media outreach group

⦁ Boost our legislative outreach

⦁ Boost our active duty and veteran/retired military outreach

Timeshare developers are beginning to listen. A few timeshare companies have listened to the merits of a complaint and responded when we send a draft of a member submitted article. At times I have agreed with the company.

Members appreciate voluntary surrender programs. Unfortunately, the majority of our readers are not eligible for voluntary surrender programs because they are saddled with high interest rate loans and higher interest rate credit cards. A credit card company, like a home equity loan, doesn’t care what you charged. You owe the balance. It’s important to remember – transferring to a lower interest rate loan through a third party lender is not advised. Transferring to any third party lender, including a credit card, means you are asking the timeshare company for a refund as opposed to a loan cancellation. As timeshare attorney Mike Finn advised in a previously published article,

I think the one major, major admonition I have for anyone, client or not, who has purchased a timeshare with developer financing and may want to reconsider the merits of the purchase (and, of course, assuming the rescission period has passed), do not, I repeat, do not under any circumstances, attempt to re-finance the purchase via a home equity line or a transfer to a lower interest credit card, or, for that matter any other methodology that has as its objective, re-paying the developer with other third party money.

http://insidetimeshare.com/the-tuesday-slot-2/

It’s easy to get discouraged, but Inside Timeshare and self-help member groups have made remarkable progress since our twelve founders launched our volunteer effort February of 2017. We soldier on into 2019.

As always, contact Inside Timeshare or one of these U.S. member supported self-help groups if you have a timeshare concern. We’re here to listen and act, going a step beyond helpful posts.   

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

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/

Once again thank you Irene for you efforts over the past year, there are many out there who have been helped by the efforts of yourself and all our volunteer advocates, let us hope that this year will be the one that the industry takes notice and changes its approach to how it operates.

Inside Timeshare is not here to destroy the industry, it is here to give consumers the facts of what is going on. To highlight the rogue operators, be they timeshare sales, resale companies or bogus law firms, we will publish your antics no matter who you think you are, no threats will stop the truth from being published. As the old saying goes

“THE PEN IS MIGHTIER THAN THE SWORD”.

 

Friday’s Letter from America

Welcome to the last Letter from America of 2018, we hope that you all had a very good Christmas and are looking forward to the New Year. For this last Letter from America, Irene Parker had to make a last minute change, once again a timeshare company responded before publication.

The Satisfaction of a Dispute Resolved

By Irene Parker

December 28, 2018

The article originally scheduled for today was pulled because the dispute was resolved. The timeshare company listened to a well written complaint and followed the above circle of resolution.

Like most of the timeshare members reaching out to Inside Timeshare, the family featured in the original article is struggling with a medical crisis. I spent this Christmas in Houston at the MD Anderson cancer center dealing with our own family crisis. As our family begins our stages of grief, I thought about all the timeshare families that we have talked to over the last two years that have experienced the same. I can’t imagine receiving debt collection calls in the middle of our personal medical crisis. Making matters worse, all but a handful of the 646 families that have contacted us describe unfair and deceptive sales practices.  

According to cancer.gov, approximately 38.4% of men and women will be diagnosed with cancer at some point during their lifetimes (based on 2013-2015 data). I estimate about 60% of our readers have experienced some form of debilitating illness. This is when they learn the timeshare they were told would be easy to sell, is not. Often there is a loan outstanding, so a voluntary surrender program is not an option. https://www.cancer.gov/

I will never forget the 100% disabled Agent Orange veteran who was up-sold into an unnecessary loan. The sales agent was aware this double Purple Heart veteran had been diagnosed with pancreatic cancer. Due to the circumstances, there was no question he experienced unfair and deceptive sales practices. He contacted me six times the last month of his life. His wife contacted me with just hours left to live because the credit card company was hounding them for the down payment. The timeshare company did resolve the dispute, but how unfair this decorated veteran had to spend his last days battling his timeshare company.

A recent caller was told she should pay an exit company $6,000 because she would be responsible for her father’s timeshare after her father’s passing. This was not true. In the case of this member, the company offers a voluntary surrender program and would have easily taken back the timeshare. Their contract even states heirs are not responsible for the timeshare.   

Contact Inside Timeshare if you receive a call from someone employing scare tactics to get you to sign up with their exit company or give up your deeded timeshare.  

How Timeshare Companies have dealt with complaints:              

According to all but a handful of our readers, timeshare companies have responded to their complaints with:

  • We are not responsible for what our sales agents say,
  • You signed a contract,
  • It sounds like he said, she said,
  • You have no proof,
  • If this was important to you, you should have asked for it to have been added to the contract,
  • All that matters is what is in the contract.     

How complaints should be dealt with according to thebalancesmallbusiness:

No one likes hearing complaints, and many of us have developed a reflex shrug, saying, “You can’t please all the people all the time”. Maybe not, but if you give the complaint your attention, you may be able to please this one person this one time – and position your business to reap the benefits of good customer service. Properly dealt with, complaints can become opportunities. They give you the chance to discover issues and correct them, thereby improving your customer service. Market research has found that customers who have complained about a product or service and had that complaint successfully dealt with are 70 percent likely to order from the vendor again.  

https://www.thebalancesmb.com/rules-for-good-customer-service-2948079

Sun Trust Bank offers these words of hope and encouragement  

http://www.bankrate.com/finance/real-estate/debt-collector-demands-huge-fees-on-past-due-time-share.aspx

“Now, if you were deceived or otherwise legally abused in the purchase, you can file a complaint against the seller. Each state has a different process so you’ll have to contact your state’s attorney general to determine the jurisdiction. Have a narrative of your complaint and a copy of your contract when filing. The agency will contact you if it finds a valid violation of real estate statutes (or sometimes banking statutes), especially if it involves deceptive sales practices. Collectors must legally back off in such under-dispute cases, though many don’t.”

“By the way, consumer complaints about abusive debt collectors have nearly tripled in less than a decade, according to the Federal Trade Commission. They’re exceeded only by identity-theft cases, says the FTC, which has sued about 200 collection companies since 2010. Many have been banned from doing business.”

We are primarily members helping members, providing straight answers on how to file regulatory and, if necessary, law enforcement complaints. It is our hope lawmakers and regulators will take note of our efforts to stop the financial harm caused by timeshare sales agents and companies that hide behind the oral representation clause.

A significant percentage of our readers are in their 60s and 70s, some in their 80s, with high US credit scores around 800, suddenly faced with timeshare foreclosure. About a third is younger. The youngest was 19 and pregnant when she signed a perpetual timeshare contract after a six hour presentation.

Contact Inside Timeshare or one of the following self-help groups if you have a concern about your timeshare.

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://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’s it for 2018, it has certainly been a roller coaster year, so many complaints, many of them veterans, many have been resolved, to the timeshare companies that did take notice, well done and thank you. All we can hope for is that 2019 will see many more start to change their ways.

From Inside Timeshare, we wish you all a happy and prosperous New Year.

Mid Week Report: Diamond Resorts Receive Second Supreme Court Sentence

The Supreme Court, Spain’s highest judicial body has again found against Diamond Resorts as per their previous 129 rulings. This week alone Diamond have lost 2 cases at the highest court in Spain, it all centers on their points system which has been declared an illegal product due to lack of tangibility and the length of the contract.

In the past three years, the Supreme Court has ruled on 131 cases involving the sales of timeshare, each time it has upheld its previous rulings, on many occasions it has added further rulings on the interpretation of the Spanish Timeshare Laws 42/98 & 4/12.

The latest case started with a trial at the Court of First Instance No 24 in Tenerife, the judge in this instance found for the clients as dictated by the previous ruling of the Supreme Court and the Spanish Timeshare laws.

The infractions were the contract had no end date, which is in contravention of the law as laid down and reinforced by previous rulings, the law clearly states that a timeshare contract should be a minimum of 3 years and a maximum of 50 years in duration. The second was the points system, which shows no tangible product, this being a fixed week number and fixed apartment number, which guarantees the purchaser the period and accommodation each year.

The Judge ruled in favour of the client, declaring the contract null and void plus the return of all money paid. However, Diamond did not agree and promptly appealed the decision to the High Court.

During this appeal, Diamond pleaded that what they had sold was not timeshare, that just like Silverpoint, these were “investors” and not consumers of timeshare. For some reason the judges at the High Court agreed and overturned the decision of the Court of First Instance.

The lawyers of Canarian Legal Alliance representing the clients, placed an appeal with the Supreme Court. The Supreme Court had already previously ruled on the point of “investors as opposed to consumers”, ruling that they are consumers.

On 13 December 2018, the judges of the Supreme Court overturned the decision of the Tenerife High Court upholding and reaffirming the ruling of the Court of First Instance, in favour of the client and in accordance to their previous rulings.

The court along with the original decision declared the contract null and void, awarded over 11,000€ plus they ordered the return of all legal fees for the original case and the appeal, sending it back to the original court for execution of sentence.

The full sentence can be seen in the PDF below.

Supreme Court 2nd Diamond sentence data protected

Over the past 3 or so years the Supreme Court has been consistent in reaffirming their previous rulings, which all courts must abide by. The basic rulings are that deposits or any payment made within the cooling off period are illegal, including those made to a third party. The points and floating weeks systems are not permitted as they do not guarantee anything to the consumer. The duration of the contract is another aspect they have consistently ruled upon, that any contract with a period of more than 50 years is not permitted.

As with the Silverpoint rulings on the “investment packs” which Silverpoint argued made the purchaser an “investor” not a “consumer”, the court has ruled these are indeed timeshares and the law applies. This is also being used in the case of fractional ownership and more recently the Silverpoint Company Participations, the courts have ruled that they are timeshare and that the consumer has the full protection of the timeshare law.

On the point of “investing”, timeshare is not an investment in property, it is a right of use and enjoyment of accommodation for specific periods of time, therefore it should never be marketed or sold as an investment. This is actually borne out by First National Trust in 2012, they are the trustees for the Club la Costa Fractional Owners Club, they informed CLC that fractional should never be marketed as an investment. (See link below).

http://clcmembers.blogspot.com/

Over the years we have seen many timeshare companies change the product, giving it new names, in many cases it has been a blatant attempt to bypass the timeshare laws, but thanks to the courts and especially the Supreme Court, this has been thwarted.

As with any new law, it has taken a long time and many test cases to clarify the interpretation of the law, there is still a long way to go as timeshare companies try to evade the strict laws which now govern the sale of any timeshare product in Spain.

  • Have you purchased a timeshare in Spain or upgraded since 5 January 1999?
  • Is the contract over 50 years in duration?
  • Is it a floating weeks or points system?
  • Have you purchased fractional?
  • Did you purchase the Silverpoint “Investment Weeks”?
  • Are you a participant in the Silverpoint “Company Participation” scheme?
  • Have you paid any money within the cooling off period?

If you can say yes to any of these questions, then you may have the right to have your contract declared null and void, along with the return of at least your purchase price, double whatever paid within the cooling off period.

If you require any information on what your rights are and whether you do have a valid and viable claim, then use our contact page and we will point you in the right direction.

You should also bare in mind that these claims must go through a Spanish court using a genuine Spanish registered lawyer, your contract must also still be running. Once you have cancelled any ownership / membership, then you lose your right to file with the courts.

Remember, before you do anything, do your due diligence and check who you are dealing with, do not take at face value some of the claims many companies will make. If you require any help in determining the validity of any company that contacts you, that you find on the internet or through adverts in magazines or newspapers, then contact Inside Timeshare for the best advice possible.

Stay safe and do your homework.

The Tuesday Slot

Welcome to the Tuesday Slot, today in her article Irene Parker continues to address a very serious problem that of timeshare foreclosure, especially for seniors. Inside Timeshare has been highlighting this problem for some time and we will continue to do so.

Timeshare Foreclosure Explained to Lenders

When and Why Some Timeshare Buyers Have No Choice

The Heartbreak of Senior Timeshare Foreclosure

We had to do a reverse mortgage on our home as a result of these timeshare purchases because our social security income was too low to cover the total charged on both Barclay cards. A reverse mortgage was the only way we saw to deal with the financial distress.  My credit score was 817 the day we met with the timeshare sales agent but it has gone down considerably after that purchase.

A former Army Captain, Vietnam

By Irene Parker

December 18, 2018

Over the past year I have received calls from mortgage brokers calling on behalf of former timeshare members trying to buy a house, battling the decline in their credit score due to timeshare foreclosure. When I explain to the lender that consumers are often left with no choice but to foreclose, due to no secondary market and the contract perpetual, the call has always ended with the mortgage broker convinced.

Six grown children, alarmed and astonished at the deceit their parents described at the hands of timeshare sales agents, have connected to bring to light unfair and deceptive timeshare sales practices. Their parents are being driven, or were driven, into timeshare foreclosure. They possessed credit scores over 800 until they were up-sold into insolvency, now trying to understand how our country could leave senior after senior financially devastated. Two of the six families have previously published articles. On Friday we publish an article submitted by a third family, her parents financially and physically devastated because they believed a series of timeshare sales agents. We have received 20 complaints directed against their sales agent. He earned $2.4 million selling timeshare points in 2016 and $2.4 million in 2017. The complaints are similar or identical.

If you buy a house, car, or boat, and there is loan outstanding, you can still sell the asset. Timeshare companies themselves don’t want the timeshare back because, when no longer wanted or needed, a timeshare is a liability. What would happen to the primary housing market if we suddenly learned there was no secondary market? Damages suffered by senior timeshare members, often accumulating points over several purchases, are commonly $100,000 to $300,000 or more, easily the cost of a home. Often the  report of deceit happens at the last one or two purchases, because a level of trust developed over the years until they purchased for reasons that did not exist – programs that would relieve them of maintenance fees or allow them to sell points. Members reaching out to us all report that they were told at purchase the timeshare would be easy to sell, it is real estate, an investment.

When the buyer has experienced unfair and deceptive sales practices, the result exacerbates the financial disaster, as has been reported by many of the 626 families that have reached out to us angry, overwhelmed and desperate. Some have learned within 24 hours after the rescission period, what they bought was a far cry from what was described.   

Such deceptive practices are known within the industry as “pitching heat” and the answer to complaints are routinely dismissed with, “You signed a contract” or “We are not responsible for what our sales agents say.” In Nevada, all complaints we have received that were submitted to the Nevada Real Estate Division quickly received a “You have no proof” denial. In Florida, the response has been, “Verbal representations are hard to prove.”

Fine, but why not let the consumer know a timeshare sales agent can say anything to make a sale. Let the consumer know they can’t believe a word a timeshare sales agent says. That would at least be transparent. Florida is a two party state, so consumers are not even allowed to record. How is proof even possible?

At the end of this article I list several Attorneys General settlements and lawsuits supporting my claim that the finger needs to be pointed also in-house, instead of solely at timeshare exit companies. The timeshare developer created this timeshare exit scam nightmare. Timeshare companies list in their annual reports that a viable resale market is a risk to their (stock) investors. Not all exit companies are scams, but many are. An FTC report on exit and transfer scams:

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

I liken million dollar deceptive timeshare producers to a baseball player like Jose Canseco, breaking the performance enhancing drug rules to earn millions, while other teammates earn far less because they did not break the rules. Honest timeshare sales agents are harmed by the actions of the dishonest too.    

According to GustonCho Associates, “Many consumers purchased timeshares in the 2000’s when the real estate market was hot.”

  • After the 2008 Real Estate And Mortgage Meltdown bankruptcies and foreclosures soared to historical highs
  • Among foreclosures were consumers who purchased timeshares and could no longer liquidate the timeshares and had to go through timeshare foreclosures
  • I get many calls by home buyers who were told by banks and mortgage lenders that they do not qualify for a FHA Loan because they have a timeshare foreclosure
  • Timeshare owners were told that there are mandatory waiting period after timeshare foreclosure to qualify for a FHA Loan
  • This is not true and unfortunately, these loan officers who are telling home buyers that there is a waiting period after timeshare foreclosure to qualify for a FHA Loan do not know what they are talking about
  • There is no waiting period to qualify for a FHA Loan with a prior timeshare foreclosure
  • Timeshares are not considered real estate loans
  • Timeshare loans are considered consumer installment loans under HUD FHA Guidelines

Read more https://gustancho.com/fha-loan-with-timeshare-foreclosure

We have also received requests for help from the millennial generation. Seniors often tell me that at their age, they don’t care what happens to their credit score, but for the younger buyer, a timeshare foreclosure at a young age can also be financially devastating.

Not one member who has contacted Inside Timeshare realized their contract was perpetual or that there was little to no secondary market.    

The Foreclosure process is gruesome. There will be threatening calls and the hit on the credit score. Timeshare today is broken. When sales agents can lie and laugh about it, at the expense of the young and the old, financially devastated by their vacation plan, something is very wrong. Too many families have been financially harmed by an industry run amuck. Rising loan loss provisions are just a number on an annual report to Wall Street and the developers. To us, they are broken families.   

Lawmakers, heavily influenced by the industry, don’t seem to care because timeshare buyers don’t typically buy a timeshare in the state they live in. Attorneys General try to protect the public, but the settlements achieved so far have been mere speed bumps in extraordinary revenue streams.  

A few of the Attorneys General investigations and settlement and lawsuits:

New York Attorney General reaches $6.5 million Manhattan Club Settlement

https://nypost.com/2017/08/17/new-york-ag-reaches-6-5m-settlement-with-manhattan-club/

A jury awarded former Wyndham sales agent Trish Williams $20 million

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

Attorneys General on the side of timeshare owners:

Colorado Attorney General Cynthia H. Coffman, as reported by Business Den reporter Amy DiPierro, concerning Highlands Resorts in Colorado and Sedona Pines in Arizona:

http://insidetimeshare.com/another-us-attorney-general-exposes-deceptive-tactics/

Tennessee Attorney General Herbert Slatery III settled with Festiva timeshare for $3 million:

https://www.tn.gov/attorneygeneral/news/38312

Alongside AGs, the Consumer Financial Protection Bureau conducts an ongoing investigation of Westgate timeshare as reported by Matthew Zeitlin at BuzzFeed:

https://www.buzzfeed.com/matthewzeitlin/financial-regulators-are-looking-into-americas-largest-times?utm_term=.dwoQKVw3QQ#.doJ0ka1K00

Jefferson City, Mo. – Attorney General Chris Koster today announced that Welk Resort Sales, Inc., a California corporation that sells timeshares in Branson, has entered into an agreement to pay $18,000 in restitution to Missouri consumers who purchased timeshares from Welk.

https://themissouritimes.com/21184/release-attorney-general-koster-obtains-restitution-for-consumer-victims-of-timeshare-sales-company/

HARRISBURG – The Attorney General’s Bureau of Consumer Protection has reached a settlement with Florida – based BlueGreen Corporation that addresses complaints about the company’s alleged use of deceptive “contests,” misleading sales presentations and improper contracts in the marketing and sale of timeshare vacation packages in Pennsylvania.

http://www.pacast.com/press_releases/1272_OAG_BlueGreen_feed.pdf

Arizona AG issues an $800,000 fine and an Assurance of Discontinuance against Diamond Resorts

https://www.azag.gov/press-release/attorney-general-brnovich-announces-800000-settlement-diamond-resorts

Bluegreen stock downgrade August 17, 2018

Bank of America Merrill Lynch’s Shaun Kelley downgraded Bluegreen Vacations from Buy to Underperform and decreased the price target from $26 to $19.

https://finance.yahoo.com/news/bluegreen-vacations-interrupted-sell-side-190725946.html

Self-help support groups we feel are not industry influenced:

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/

Where are you?

Thank you Irene, as usual you have highlighted very well a severe problem and explained it in a very simple manner. In this Friday’s Letter from America, another new contributor Brenda Santos, highlights the “Nightmare on Timeshare Street” of her elderly parents at the hands of an unscrupulous sales agent. We think this will make your blood boil, so join us for our last Letter from America this year.

Start the Week

Welcome to Start the Week and our countdown to the Christmas break, we begin this morning with news from the Spanish Courts.

This morning Inside Timeshare has received the following information regarding our old friends Silverpoint, this company is certainly taking a bashing in the courts, contrary to what some might have you believe.

The other breaking news is there has also been another ruling from the Supreme Court, making 130 in total against the timeshare industry, the company on the receiving end is Diamond Resorts.

On Thursday 13 December in the Court of First Instance No 5, Arona Tenerife, Silverpoint were once again found to be in breach of the Spanish Timeshare Laws 42/98 and 4/12, in respect of their product called “Company Participations”.

As we have reported on many occasions this scheme was designed to bypass the current timeshare legislation, instead of purchasing weeks in an apartment the unwary consumer is sold “participations” in apartments which are “registered” as companies. These companies are administered by Silverpoint and Excel Resorts, with the purchaser believing they are “investing” in a “company”. The terms of the contract are complex, with purchaser having no rights to know who the other participants (share holders) are, they also have no right to use the apartments they have purchased these in these “participations”, but are given weeks they may use in other apartments and resorts.

As with the old Silverpoint scheme of “investment weeks”, purchasers are promised a variety of incentives, these are in the form of “dividends” paid each year for the rental income of the “participations” they have purchased, unfortunately many are still waiting to receive them. They also then have the option after 3 years to “sell” their “participations”, but not on the open market, they can only be “sold” to other participants, but only through Silverpoint who will broker the sale.

In the latest sentence, the judge has clearly stated that these “Company Participations” contracts are a blatant disguise of a timeshare product.

The sentence also states and reiterates the ruling from the Supreme Court (STS16/2012 of 16 January) that these purchasers are indeed Consumers and not investors. (Page 2 of the sentence PDF below)

Silverpoint Sentence 13 Dec

The court declared the contract null and void and ordered Silverpoint to return the full purchase prices plus double the deposit paid, a sum of over 108,000€.

The courts have also place another 3 embargoes on Silverpoint accounts securing over 130,000€ for clients who have been awarded their money back.

The Supreme Court has issued their 130th ruling against the timeshare industry, the very first against Diamond Resorts!

The court has upheld previous rulings that the points system is illegal, along with the perpetuity contract which contravenes the maximum duration of 50 years as demanded by law.

Diamond Supreme Court 11 Dec

Although the amounts awarded are not substantial, this ruling now proves that even Diamond are not immune from being prosecuted under Spanish Law.

Both of these cases have been brought on behalf of clients by Canarian Legal Alliance, the leaders in the field of timeshare litigation.

In other news, it has been announced that the CEO of the American Resorts Development Association (ARDA), Howard Nusbaum is to retire in 2019. The board of directors has appointed a committee to search for a new CEO, the members will be working alongside a leading executive search company Spencer Stuart, who will be managing the process.

Whoever is appointed will certainly have a lot on their plate, the timeshare industry is in dire need of a thorough shake up, so let us hope that the new CEO will have the guts to make sure their members start to treat consumers in a better way than we are seeing at the moment.

So that’s it for today, if you require any information on any of the articles published, companies that have contacted you or would like to know where you stand in regards to your purchaes of any timeshare product, especially the “company participations” from Silverpoint, then use our contact page and we will get back to you.

More Fake Procurators Identified

Tomorrow we will be publishing another “Nightmare on Timeshare Street”, by another Agent Orange Disabled Veteran, David Althage, who is being forced into a Timeshare Foreclosure, The article has been edited by Irene Parker.

Moving on, Mindtimeshare has shared new information on yet more “Fake Procurators” working alongside the “Fake Law Firms” which we have dubbed The Litigious Abogados Family. As our regular readers will know this plethora of “fake lawyers” has been running for around 3 years, every few months they change name and websites, yet all the websites are identical. All money they require from “clients” has to be paid to a Procurador, and there have been many of these surfacing.

The first is named as Carlos Gregorio Ingramo, very similar to one we named on 31 July CARLOS RIHOM IGRAIM and another on 11 December, Carlos Gabriel Salva Imgran, must admit they are very creative with the names they use.

Carlos Ingramo has a website

http://procuradores-ingramo.com/

Registered on 19 November 2018 and set to expire on 19 November 2019, so very new indeed. Once again the registrant is hidden so we have no idea who it is.

They show no telephone number but do have an email address: [email protected]

The address they show on the website is totally false and cannot be found on any maps search of Tenerife:

Calle Delmante 8, Edificio Kaleta, 202C, 38001, Santa Cruz Tenerife

The second “Fake Procurador” is named as Miguel Earas Raya, with the website:

http://procuradores-raya.com

Registered on 19 November 2018, due to expire on 19 November 2019, and yes you guessed it, the registrant is hidden.

No Telephone number but an email address:

[email protected]

The postal address is:

Calle Alamo 6, Edificio Watama, 161C, 38002, Santa Cruz, Tenerife.

Which again is fake and cannot be found on any internet map search.

The third one today is, Abel Deraza Tabreul, with the website

http://procuradores-tabreul.com

Registered on 26 October 2018 and due to expire 26 October 2019, once again registrant is hidden.

No telephone number is shown, but the email address is:

[email protected]

As with all these email addresses they are not linked to the websites, but are free email address providers.

The address given on the website is:

Calle Delatar 6, Pulgadas, Edificio Estresha, 403, 38001, Santa Cruz

Another fake address that cannot be found on any map!

All these are “FAKE”, they do not exist, somehow they have been able to set up bank accounts for you the unsuspecting client to pay in your hard earned cash.

If you are contacted by any of the “fake lawyers” or “fake Procurators” that we have highlighted in previous articles, then contact Inside Timeshare and let us know as much detail as possible.

To check all articles we have published, use Litigious Abogados in the search box, this will bring up all articles published, beware there are a lot of them.

Want to know if any “lawyers”, “claims companies”, “procurators” or any company that contacts you is genuine, use our contact page and gives us as much information as you have, we will then do the relevant checks and let you know if they are genuine or fake.

Remember, doing your homework is essential, there are many more “fake and scam” companies out there, with many more emerging each week. We need your information to identify them and warn others.

Join us tomorrow for our weekly Letter from America and another “Nightmare on Timeshare Street”

The Tuesday Slot

Welcome to our Tuesday Slot, this weeks article by Irene Parker looks at a possible “Special Assessment” which may be levied against Diamond Hawaii Collection members and something she terms as the “Ping Pong Up-sell”. This is something we have heard about from readers on numerous occasions.

After our article yesterday on the “Fake” Procuradur and Lawyers, Inside Timeshare has already had several emails from readers who have thanked us for bringing this to their attention, they had been contacted by the “fake” firms mentioned and were almost taken in by them. Thankfully they decided to do a search on the internet and found previous articles as well as the one published yesterday.

This really does go to show how cautious you have to be when being contacted about your timeshare, the “pitch” is always very convincing and plays on the fact you will get back thousands. For many of these owners this is very tempting, as they tend to be elderly and can no longer afford the maintenance fees or even be able to travel.

Now on with this weeks article.

Beach Erosion in Hawaii and The Ping Pong Up-sell

By Irene Parker

December 11, 2018

I read a RedWeek post last week written by a Diamond Resorts member asking about a $6,000 special assessment they were told was to be levied against Diamond’s Hawaii Collection in 2020 due to beach erosion. Diamond sells their points as Collections, so there is a U.S. Collection, a Hawaii Collection, and a few others. The RedWeek post:

Has anyone heard of an upcoming assessment to repair the beach erosion? I recently attended an update meeting and was encouraged to get out of the Hawaiian collection. I was told that in 2020 owners will be charged an assessment to repair the beach erosion. My assessment was estimated to be around $6,000.

The poster apparently was attending a presentation on the U.S. mainland, because the sales agent told her she should not have purchased Hawaii Collection points due to the anticipated levy of a $6,000 special assessment.

As I was reading the post, my phone rang. Coincidentally the caller happened to be an ocean engineer who called because he was concerned that his elderly parents had purchased timeshare points, told if they did not give up their deeded timeshare with another company and buy points, their heirs would be responsible for the timeshare. This is a common complaint and almost always not true, but beyond the scope of this article. A recent article entitled the Heir Scare, our Halloween edition:

http://insidetimeshare.com/fridays-letter-from-america-27/

The ocean engineer’s professional opinion:

My suggestion would be to ask Diamond for documentation to support the additional charges. For instance, it is reasonable to ask if the funding is for future flood protection that might be afforded by a beach nourishment project. Alternatively, inquire if the money might be required to pay for damage that has already occurred to structures or to restore a previously eroded beach.  If the assessment is intended for a beach nourishment project, it is likely that arrangements are in place for cost sharing between local stakeholders and government entities. Participation by a state or federal agency is an opportunity for those impacted by the additional billing to independently verify the project cost. The cost and scope of government efforts are a matter of public record, and learning the particulars is typically as easy as calling the project managers. If difficulties are encountered, the public has recourse in filing either federal or state Freedom of Information Inquiries.

In addition, 2020 is too far out to predict with any sort of fidelity. Concrete financial planning numbers at this stage are unlikely. There is an effort to have cost sharing between stakeholders and the federal entities. I have not heard of a federal project in Hawaii. It could be state, but most major beach nourishment projects are underwritten in part by the federal government. I have not heard of a state paying for damages from a flood.  The member needs to know what the assessment is for, in more detail than just beach erosion. Is it for protection or for damage that has already occurred? One is flood damage expense, the other is flood protection afforded by beach nourishment projects.

As I understand it “water intrusion” would be the responsibility of the timeshare developer, as water entered the property. Beach erosion is a natural, or some say a climate change generated phenomena, with the responsibility most likely in the hands of the federal government, but possibly the state.

This switch from one Collection to another is a common complaint. It’s been reported so frequently I have termed it “The Ping Pong Up-sell.” Numerous members have reported that they were told they should have not purchased U.S. or Hawaii Collection points, depending on which side of the Pacific they are sitting. We have categorized about 400 of the over 500 complaints.

One former Diamond member reported that her Virginia Diamond sales agent showed them pictures of decaying Hawaii air-conditioners as the reason they needed to switch to the US Collection from the Hawaii Collection.  

Roy Simmons and his wife are in the painful and demeaning timeshare foreclosure process. Mr. Simmons is a Navy veteran, living on a letter carrier’s pension. Mr. Simmons switched back and forth from the U.S. to the Hawaii Collection, ending up with $2,700 a month in Diamond loan payments. In his YouTube, which has had over 2,000 views, Mr. Simmons explains the reasons why he switched from:

  1. The U.S. Collection to the Hawaii Collection, then
  2. About six months later after this switch, Mr. Simmons switched from the Hawaii Collection to the U.S. Collection. According to Mr. Simmons, the Florida sales agent asked, “Why Hawaii?” The sales agent said the interest on their loan payments should be about $200 to $300 less in the U.S. Collection because Hawaii has hurricanes, and in the past, damage from the hurricanes had been expensed to members. He said they might have to pay thousands in special assessments.
  3. About six months after that, they traveled to Hawaii and were asked, “Why U.S. Collection?” “It was true the interest on our loan payments did not decrease by $200 to $300 a month, only $20 to $30 per month, and because we purchased more points, we ended up with $2,700 a month in loan payments. We always enjoyed our Diamond points,” said Mr. Simmons.

Mr. Simmons’ YouTube:

https://www.youtube.com/watch?v=j_nca6lMA4U&feature=youtu.be    

Diamond’s Kauai Poipu Resort did experience water intrusion damage in 2012, which prompted a lawsuit filed by owners.

https://www.tripadvisor.com/ShowTopic-g60625-i1817-k5926954-Settlement_Reached_Between_Diamond_Point_at_Poipu_Owners-Poipu_Kauai_Hawaii.html

I asked attorney Mike Finn his opinion concerning special assessments of this nature:

I essentially agree with your engineer’s comments. The owners would be called upon for a special assessment if it was a water intrusion issue, as it would be assessed to them by the property owners association.

The legal issue regarding Poipu Point was the obvious mismanagement from the association’s management company in failing to prevent the water intrusion and/or failing to remedy the situation once it was discovered. The management company failed in its duty to pursue the insurance claim as well, perhaps realizing that their poor maintenance was probably the source of the problem and that was not covered by insurance.

As to the association’s responsibility for beach erosion, that would be quite a stretch and should be challenged by any board members not in the pocket of the developer. Maintenance of the beach should not be an association issue. That sounds like a salesman’s scare tactic.

As always, Inside Timeshare knows there are many Diamond timeshare sales agents that sell the product properly, and we hope the company will consider that Mr. Simmons may be telling the truth. We hear from senior after senior, contemplating foreclosure. I have listened to many tears.

Self-help timeshare groups we feel are not industry influenced and our 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.

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/

Thank you Irene and also a big thanks to attorney Mike Finn for your contribution, we are sure that this article will be of great interest to many Diamond Members.

If you have any comments or wish to contribute an article, then contact Inside Timeshare, we would love to share them with our readers worldwide.

Have you been contacted by a so-called law firm or claims company with a story that your timeshare company has been or is being taken to court?

Have you been told that your name is on a list of creditors owed money which the court is holding, due to a purchase you made years ago?

If so, then use our contact page and let us know, be safe rather than sorry, get the facts before you pay any money. Do your homework, you know it makes sense.

Start the Week: More Fake Procurators and Lawyers Emerge

For a long time now Inside Timeshare has been running many articles on the “Fake” law firms we have dubbed The Litigious Abogados Family, each time there then follows the names of “Fake” procurators, who will require payment to bring your case to court.

Well as you can guess, there has emerged a very new name to add to the growing list, Carlos Ingram Procuradoria, the address they give in the website:

Calle Metas 3, Edificio Aldesa, 197B, 38003, Santa Cruz, Tenerife

It does not even show on Google maps, the only thing genuine about the address is the postcode 38003, which is in Santa Cruz de Tenerife.

This “company” set up by Carlos Gabriel Salva Imgran has the website

http://procuraduria-imgran.com/

which incidentally is the same layout as the one for

http://procuradores-alinas.com/

which we highlighted in our article on 12 November.

The website for Carlos Gabriel Salva Imgran, was registered only on 27 November 2018 and is set to expire on 27 November 2019. So, for a so-called procurator a very short lifespan indeed. The registrant is hidden by a privacy protect company and is registered in Panama.

They also show no telephone numbers or any details of company registration or even if they are members of any professional associations, although we have been given the following email address:

[email protected]

Which is once again one of those free email address providers and not linked to the website.

This particular “procurator” appears to be linked to Abogados Litigacion with the CIF Number A12475921 and the address:

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

The telephone numbers given are:

Freephone: 0800 862 0036

Tenerife Tel: 0034 822 684 562

With email addresses, again free email providers not linked to the website:

[email protected]

[email protected]

All of these are exactly the same as those for another “fake” law firm we highlighted on 22 October 2018 called Abogados Litigación España, with the same founder

Juan Drimelas Deolaro.

The website http://abogadoslitigacion.com was registered on 26 October 2018 and again is set to expire on 26 October 2019 along with a hidden registrant.

Although the photo of the founder is the same as before, we do have three new lawyers and contact lady:

Armando Loanta Ombididani, currently unidentified.

Juan Ferroli Onogano, who is actually Juan Blanco Dávila the legal and regulatory director for the Andean area and Chile of the Ferrero Group

Albero Koeta Mortoyal,  a Colombian lawyer called Juan Oswaldo Martínez.

Manuela Taloran Delnat, who we have identified as Natalia Pastorutti, who gained her law degree from the Universidad del Salvador.

So there we have it, more new “fakes” to be wary of, as and when we come across the new incarnations we will publish those here. This does show you the need to be be very careful with any “Law Firm” that contacts you about your timeshare, or even one you may have found on the internet. Do your homework, if you are not sure what to look for, use our contact page and we will help you find them.