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Friday’s Letter From America

It’s Friday again, this week’s “Friday Letter from America” is a little light hearted from our usual fare, it may just be that our roving reporter Irene is on holiday (sorry vacation for you across the pond).

Irene is staying at Los Abrigados, this is not to be confused with the “fake” law firm that we have been reporting about “Litigious Abogados”, or as one of our friends Naty, calls them “Avocados”.

Avocados
These are Avocados
abogados
These are Abogados

Well, on that subject, they have been very busy again, contacting owners in the UK with the wonderful news that their timeshare resort is in court at the end of this month. Not bad considering the client hasn’t even instigated any legal action or even Knew they had a claim!

This particular reader also had a very lucky escape, he felt that he could not have a claim against his timeshare resort as he purchased in England and not Spain. He then searched the web and found Inside Timeshare, with all the articles and warnings we have published about this “SCAM”, he contacted us for advise.

We confirmed that he could not make a claim in Spain as it did not come under Spanish law, he also purchased before 1999 and has never made any upgrades. It just makes you wonder how many have actually paid this lot, as the cases we have reported on are only the tip of the proverbial iceberg.

On the news about the demise of Harry Taylor and TATOC, another reader sent us this response:

“So it`s goodbye from them (Silverpoints) and goodbye from them/him, (the Harry Taylor dictatorship known as TATOC.) The other directors seizing the opportunity to do like Emily Collins and Christine Roberts and clamber into the lifeboats. Unfortunately the directorship indemnity insurance makes them all jointly and severally responsible if any illegal activities have taken place and because they did not insist on correct and acceptable company governance and transparency they must all now be very worried as to their positions re the responsibilities. They had to see that the company was being run in a professional manner. They were all made aware of this but chose to ignore the warnings”.

“It is understood that Harry Taylor will now be pursued through the courts personally for trying to bring another business into disrepute”.

“As predicted on here years ago and before this forum was taken over by its present admin. The house of cards that is timeshare is beginning to crumble because of its greed and shortsightedness in refusing to reform having persuaded the EU Commission to allow them to police themselves”.

So that really does say it all, one opinion shared by many. Now on with this Friday’s letter.

To Diamond CEO Michael Flaskey from Don and Irene

Please fix your Pool Table!

A Sedona Arizona Los Abrigados Resort Review by Irene Parker

pool
Could this be Irene?

Cinco de Mayo 2017

My husband Don and I are staying at Diamond’s Los Abrigados property in Sedona for two weeks. Having researched Diamond’s executive compensation, I learned that former CEO David Palmer earned $25 million in two years and former CEO Stephen Cloobeck was allowed 50 hours annual use on the most expensive aircraft in the Diamond fleet prior to the Apollo acquisition (for non-business purposes). I would think a little money could be allocated to fixing the pool table at your Spoke and Wheel tavern and eatery.

My husband and I have been shooting pool at Los Abrigados since 2008. Having met in a pool hall 35 years ago, pool is important to us. And it’s not just important to us. There are six to twelve pool enthusiasts who sadly told me they have been trying to convince Diamond to fix the pool table for two years.

Now a pool table may not sound that important to you Mr. Flaskey, but when you met your husband in a pool hall 35 years ago, playing pool is important. As we really have nowhere to shoot pool where we live, our pool shooting vacation at Los Abrigados is what our vacation is all about. As a matter of fact, the pool tables at Los Abrigados had a lot to do with us buying a timeshare from ILX prior to Diamond’s acquisition.

In your recent interview on FOX Business with Maria Bartiromo, you said you leave your card at the front desk, which leads us to believe you actually care and intervene on behalf of owners who face timeshare challenges after purchasing at Diamond Resorts.

On the positive side, we received good value for our points for our stay here, our unit is very nice, and the staff, especially Daniela serving patrons in the pool table area, is exemplary.

But back to the pool table

The pockets are shot, the rails are shot and they keep moving the table which throws off the balance. A pool table has a slate bottom so you have to be careful how you move it.

I was afraid to play the locals, as they brought their own sticks, because Diamond only provides two sticks. Two sticks!

My new pool playing friends and I eagerly await your response. You never know what may be important to a guest. In our case, the pool table says it all.

seal

Thank you for listening,

Don and Irene

There we have it, another week over in this murky but sometimes humorous world of timeshare, one just never knows what is going to happen next. Maybe the rogue developers and resorts might just get the hint, if they don’t change how they operate, they won’t have a business to operate!

Inside Timeshare again thanks all those who contribute to the articles and especially those who send us the information about some of the dubious firms that are out there. Without you, others will fall into their traps.

Have a good weekend and we hope the weather is great to get out and have BBQ.

BBQ chef

Friday’s Letter From America

Another week over and another Friday Letter From America from our intrepid travelling writer Irene Parker.

Before we go to Irene’s article, a little news from Europe, we begin with the never ending successes of the lawyers at Canarian Legal Alliance, we begin with an announcement  which came in after publishing last friday’s letter. The Court of First Instance N1 in Arona Tenerife found for the CLA client against Resort Properties / Silverpoint, declaring the contract null and void, this was on the basis it was for floating weeks.

CLA Logo

These contracts according to the Supreme Court are illegal, under law 42/98, the contract must specify a week, date and location. The judge in the case at Arona awarded the client the return of 26,000€ plus legal interest.

On Tuesday 25 April Anfi was on the receiving end of another judgement at the Court of First Instance N5 in San Bartelomé de Tirajana. In this ruling the Judge found for the clients on two infringements of the timeshare law:

  • Contract is over 50 years in duration (perpetuity);
  • It contained floating weeks.

Again the contract was declared null and void and the client will receive 39,413€ plus legal interest.

On Wednesday 26 April the Court of First Instance N5 in Arona found once again for the client against Resort Properties / Silverpoint. In this case the client has been awarded over £25,957 plus legal interest, for a contract which was for a duration of over 50 years (perpetuity).

Yesterday Thursday 27 April, CLA announce another First Instance ruling against Anfi, for a contract over 50 years in duration and the illegal taking of a deposit within the stipulated 14 cooling off period. Over £37,913 plus legal interest was awarded back to this client along with the contract being declared null and void.

It is certainly a case of the lower courts adhering to the ruling laid down by the Spanish Supreme Court in Madrid, it leaves no doubt as to the illegality of many of these contracts with case after case being won, leaving many happy ex-owners timeshare free and reimbursed with money paid.

Inside Timeshare again this week published the latest in the saga of the “fake law firm” in Tenerife, Abel Garcia Abogados, one of the many in the Litigious Abogados family. This time one lucky gentleman decided to do an internet search of this “firm”, he came across our previous articles and contacted Inside Timeshare for clarification. This has saved him from losing thousands of pounds, he also provided Inside Timeshare with the letters documents and emails he received, these have been passed to our lawyers to be included in the denuncia to the Guardia Civil.

Another “firm” was also highlighted, FHA Marketing. Very little is known about this one as there are no entries at company house and their website registrant is hiding behind a privacy service, so it is not known who is behind them. One thing is for certain they haven’t got all their facts right.

So now onto the “Travelling Writers” article.

A Reader’s Response to Nancy Callahan and our Experience at Diamond Resorts Scottsdale Links

guitar

By Irene Parker

April 28, 2017

One of our readers emailed us with a sophisticated comment in response to our article about Nancy Callahan’s extraordinary experience, unaware she and her husband had acquired a $143,000 loan to purchase 50,000 Diamond vacation points. Our reader’s comment is kind of heavy, so I’ll start by sharing our more light-hearted Friday, end of the work week comment about our Diamond Resorts, Scottsdale Links experience, post Clarity.

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

We checked into Diamond Resorts Scottsdale Links in Arizona a few nights ago. Our unit is spacious and clean. We found good value using our Diamond points in that we used 6000 points to stay two weeks at a Sedona Diamond property as well. It’s surprising how many timeshare members don’t think about timeshare math, converting maintenance fees dollars into equivalent real dollars in order to make a comparison as to whether it would be less expensive to book online.

Sometimes it is more expensive to use points, but in this case, $.23 per point in maintenance fees times 6000 points equates $1,380 for two weeks or $98 per night. Online the cost was $112 per night for a one bedroom unit, but there was also a $13 per night fee and a 13% tax so we are way ahead. Of course, the initial amount we spent purchasing our points is not factored in. The older you are the less advantage buying a timeshare, as there is less time to make up that initial outlay.

We are not asked to attend sales presentations. It takes some convincing, but you can request that your name be taken off the prospect list.

Diamond’s new Clarity program is about accountability and transparency and respect for the customer. The program was recently launched in response to the Arizona Attorney General issuing an “Assurance of Discontinuance” which includes a toning down of the aggressive nature of the sales presentation and, most importantly, requires the sales agent not to deviate from printed sales material.

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

Diamond is certainly not alone among their industry peers in needing to improve the integrity and honesty of a timeshare sales presentation. In the case of Nancy Callahan, the agent went pretty far afield of actual policy, as explained by our reader.

I found only one lapse in transparency at Scottsdale Links. Of all places, it occurred at the activity center! I had asked activity representative Brandy if there were any good activities this week. “You’re in luck!” said Brandy. “We have a cowboy guitarist and singer tonight”.

The cowboy singer was Wally Bornmann. Wally started his performance singing Cowboy songs by composers no one, out east anyway, would ever recognize and worked his way up to Gene Autry. He peppered his songs with cowboy stories like when Gene Autry paid $5 for the lyrics of a song when he was traveling cross country that became famous. “It may not sound like a lot, but at $1.67 a mile, it wasn’t bad pay at the time,” explained Wally.

“Do cowboys use Facebook?” I asked.

“I don’t know,” responded Wally.

“Aren’t you a cowboy?”

“No”, said Wally. “I know a lot of cowboys, but I would be at best a cowboy looking in. I have great respect for the work a cowboy does. Only Diamond Resorts calls me a cowboy.”

As a Diamond Resorts member Advocate, I reported this lapse in transparency to Brandy.

“Wally isn’t a cowboy,” I explained. “There’s no need to call Wally a cowboy”. What Wally is, is a gifted “Cowboy Song Artist and Exceptional Storyteller.” Wally played a song he wrote that made me cry, ‘Till Morning Comes Again”.

https://www.youtube.com/watch?v=w-XBdDT-GiU

https://www.youtube.com/watch?v=aEVzayDyZo4

Fishin’ for Chickens was written by Hobo Jim, the Official Hobo of Alaska!

We have a lot of European readers. Arizona is a real special state that is now more Diamond member friendly thanks to Clarity. Next time our overseas friends hop over the pond, consider Scottsdale Links in Scottsdale and then head up to Red Rock Country in Sedona just south of the Grand Canyon. It’s our favorite place to hike.

The moral of my story is that Diamond has a product and if sales agents would stop overstating availability, understating maintenance fees and loosen the restrictions on secondary points so an owner could sell the darn thing if they had to, through a member of the Licensed Timeshare Resale Broker Association, members would stop complaining so much.

Now on to our Reader’s Response

group table

It is very disconcerting to see that the unfair, unethical and misleading business practices described by these Diamond members’ experiences are not isolated incidents. It is clear that it has become endemic of the entire accepted Diamond sales process, as well as with other timeshare companies.

The misrepresentation of the ‘Legacy’ program as a ‘resale’ option when it is merely a way to ‘share’ a block of points with other family members, the embellishment of the value of points earned through the Barclay Credit Card, including how many points are actually earned, what they may be redeemed for (for example, NONE of the down payment for the purchase qualifies) and the false representation of the amount that may be applied to the maintenance fee.

In addition, the common representation that points have a “Currency Redemption Value” is being made by every ‘successful’ Diamond Sales Agent and is expected by the managers of the business unit. Basically, the actual benefit described in the Member Directory allows a member to redeem “up to 30%” of annual points towards, “up to 30%” discount on travel rewards.

Specific rewards have their own restrictions, limitations, terms and conditions however; what the sales reps are telling customers is that they may redeem their points for .30¢ per point. They tell customers that using this formula that with 50,000 points they can get $15,000 back EVERY YEAR! They use this to upsell, as with these unsuspecting customers in this article; that they will be able to pay ALL their maintenance fees and costs and that actually buying more will cost them less.

It would be bad enough if this were a case of a few outlaw sales reps pitching heat, however; this is encouraged by the industry. Sales agents are coached and compelled to present the product this way and reprimanded, ostracized and eventually terminated for NOT ‘going along with the program’.

Accurately presenting the product leads to lies being discovered by the customers that they were ‘pitching this heat’. It is absolutely disgusting to me that a product that promises to deliver quality family vacation experiences is sold with such reprehensible disdain for honesty and integrity.

Inside Timeshare wants to thank our industry insider for explaining what the Legacy program is and what it is not. Sometimes we hear so many versions of a program we don’t know what to believe.

honest

If you have a question or concerns about Diamond Resorts or any timeshare, contact Inside Timeshare or one of our Advocacy Groups.

We seek to provide Diamond Resort 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/groups/DiamondResortsOwnersAdvocacy/

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

So there we are, another week over and more news from the murky world of timeshare.

If you have any comments or question about any of the articles published or have been contacted by any company highlighted, contact Inside Timeshare and we will point you in the right direction.

Have a great weekend and to Irene, enjoy your vacation.

weekend02

 

Friday’s Letter From America

Here we go it’s Friday again, the end of another busy week in the world of timeshare, it does seem to be a world that never sleeps. There is always something new to be reported, be it another “bogus” company or an old company coming up with a new “scam”, the ingenuity of some is beyond belief.

So far this week the news from the Spanish courts has been flooding in, with more owners having their contracts declared null & void and the return of all their money. The intrepid lawyers that form Canarian Legal Alliance have been very busy. Most of these judgements have been from the lower courts, who are applying the Supreme Court rulings with a vengeance, leaving no doubt what the interpretation of the timeshare law is.

Inside Timeshare has also been receiving a great deal of information about one company and their new product, yesterday’s article “New Name Same Company” shows the lengths some will go to appear to be different. Unfortunately for them, some of us can see through their smoke and mirrors, so we shall be keeping a very watchful eye on their activities.

On the “Bogus” law firm front Litigious Abogados and their other associated “lawyers” are still at it, the UK Action Fraud website has been receiving many reports of their activities. Inside Timeshare can also report that the Guardia Civil have an extensive file handed to them for investigation. So we wait with anticipation as to what the outcome will be.

So, now on to this Friday’s article from Irene and Irina, Resale and Rentals.

Consumer Advocate Las Vegas Attorney Bob Massi Launches Season 3 of Property Man in Arizona on Business FOX  

https://www.facebook.com/RealBobMassi/

Two more Timeshare Rs – Resale and Rentals

By Irene Parker – Resales

Irina Allen – Rentals  

April 20, 2017

Sign post 

If you own or are thinking of buying a timeshare – the Bob Massi Property Man show has provided important tips for timeshare buyers and sellers. In Season 2 Florida, Mr. Massi interviewed members of the Licensed Timeshare Resale Broker Association. The LTRBA members offered important tips for consumers interested in buying a timeshare as well as tips on how to avoid a scam when a timeshare member or owner needs to sell.

https://www.youtube.com/watch?v=VHCdcS2Ds-U

As a follow up to Mr. Massi’s prior timeshare segments, my husband and I were interviewed to express concerns and problems faced by Diamond Resorts International timeshare members. There are many who use and enjoy their Diamond timeshare, but as has been widely reported, rising maintenance fees and the lack of a secondary market can spell disaster for families who need to get out from underneath their Diamond timeshare. Timeshares can cost $100,000 or more so walking away with nothing can financially devastate families.

Our interview airs this Friday, April 21 at 8:30 PM EST on FOX Business. Las Vegas attorney Bob Massi has been a champion consumer advocate for the underdog. While showcasing spectacular homes of the wealthy, he also contrasts the flip side of wealth by interviewing consumers struggling with faulty or predatory lending practices.

Mr. Massi interviewed my husband and me after receiving a multitude of complaints after his segment featuring the home of Jackie and David Siegel. The Siegels own Westgate Resorts, a timeshare company based in Florida. The segment, “The Queen of Versailles” resulted in a multitude of complaints about timeshare. The Queen of Versailles is the name of the documentary featuring the Seigel’s massive 90,000 square foot home with 30 bathrooms, a 20 car garage and a 4,000 square foot clothes closet. The original documentary took Best Director at Sundance. Many wealthy Americans have built large homes, but with enough complaints to prompt a two year Consumer Financial Protection Bureau investigation of Westgate’s business practices, I wondered about such wealth at the expense of timeshare owners unable to sell and sometimes not even able to give back their timeshare.

Mr. Massi’s Licensed Timeshare Resale Broker Association segment warned timeshare owners to work through a licensed timeshare broker. Ironically, FOX Celebrities Dave Ramsey and Laura Ingraham are paid to endorse firms like Resort Release, transfer agent firms licensed timeshare brokers warn consumers to avoid.

http://thetimesharecrusader.blogspot.com/2016/11/an-open-letter-to-dave-ramsey-and-laura.html

A sequence of events led up to our interview with Mr. Massi. My husband and I attended a grueling and demeaning timeshare presentation at Diamond Resorts Grand Beach Resort July of 2015. We had purchased two Diamond contracts with few problems, but when I witnessed the tactics being used during this predatory sales presentation, I became alarmed. I returned to our unit at Mystic Dunes, turned on the television, watched “The Queen of Versailles”, and wondered how the wealth was won.

I wrote to Mr. Massi about my concerns. Never dreaming a response, I was surprised to receive a call from a FOX producer asking if my husband and I would be willing to be interviewed by Mr. Massi. Having just accepted a position as an interim music director, I declined, but was contacted again six months later and agreed to the interview. The producer said they had a multitude of responses to their first timeshare segment, but I was the only one invited to be interviewed, as I was the only respondent who wanted to talk about the positives, in addition to the negatives of timeshare.

To prepare for the interview I contacted LTRBA member David Cortese of Magical Realty in Orlando and asked if he would list our Diamond points. David was one of the LTRBA members interviewed by Mr. Massi. David sadly informed me he doubted that any of the LTRBA members would our list Diamond points as they felt the restrictions the company places on the use of secondary points are more onerous than that of any other major timeshare company.

To me this sounded like unfair business practices and a violation of fair trade. I filed a complaint with the FTC, but they just sent an autoreply pointing me in the right direction. If thousands of people complain, they go to Congress to enact better laws. That hasn’t happened.

Timeshare attorney Mike Finn of the Finn Law Group maintains a steady 500 timeshares cases. Mr. Finn said about 20% to 25% of his timeshare cases are against Diamond Resorts. He said he has never had a Disney client. I asked Mr. Finn why legislators have not addressed the harm done to consumers when a perpetual contract does not have a secondary market. A secondary market is not to be confused with a voluntary surrender or exit plan as those leave the consumer who has spent $25,000 to over $100,000, often financed at 12% to 18% interest, with nothing. The timeshare developer takes back the points and resells for full value.

“Instead of shunning the secondary market, embrace it; the developers should invest some of their profits into stabilizing the resale market. Take the lesson the auto, boat and camper industries have long ago learned, that a healthy resale market is essential to the entire industry, from beginning to end there must be a continuous flow, a circle of economic life, if you will. If you can’t set up a used timeshare lot across the street from your project, at least sponsor knowledgeable licensed real estate brokers well offsite so as not to compete directly with your retail operations. Sure you’ll lose some initial business to these brokers, but by indirectly supporting these brokers, you’ll make timeshare interests affordable to the folks who really can’t afford to buy retail, but can perhaps afford to repurchase the interest of your newly divorced initial purchaser (something that you arguably owed the poor gal or guy anyway) and, more importantly perhaps, support the continuing financial health of the resort via the annual maintenance payments now to be made by the new owner, and ever crucial to the future of the resort you built and developed. Timeshare developers could take pride, not just profit, from making family vacations an affordable part of the American lifestyle by opening up that opportunity to even more folks!”

http://www.finnlawgroup.com/learning-center/the-unconscionable-suppression-of-the-timeshare-resale-market

“Timeshare doesn’t need new litigation to assist the establishment of a re-sale market. All they need to do is support it from a market standpoint! They clearly have zero interest in doing that,” Mr. Finn added.

The Second R: Rentals (to be continued)

Part I – The 3Rs or F of Timeshare

http://insidetimeshare.com/3-rs-timeshare-part-1/

Part II – The 3Rs Resolution, Relinquishment, Refund

http://insidetimeshare.com/part-ii-three-rs-timeshare/

If you or someone you know has a timeshare problem, contact Inside Timeshare or one of our Advocacy groups. Our advocates are members helping other members, bringing our experience and knowledge to other members or owners while providing a clearinghouse of information about legal and legislative issues facing timeshare today.

Diamond Resorts has implemented a new Clarity Program after the Arizona Attorney General issued an “Assurance of Discontinuance” and an $800,000 settlement. Diamond also has a Consumer Advocacy Department that claims to help members from Day 1 if they have concerns about their membership or purchase.

Timeshare owners worldwide would like to thank Mr. Massi and Business Fox for bringing this important topic to the attention of the public in America, Europe, Australia, New Zealand and the Philippines. Inside Timeshare works with contributors and timeshare members in an ever expanding horizon.

We seek to provide Diamond Resort 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/groups/DiamondResortsOwnersAdvocacy/

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

Jigsaw men

So there we have it, the end of another week, Inside Timeshare again thanks Irene and Irina for their contribution, we also thank all who have contributed information to help others. Next week we will be highlighting another military family who have fallen foul of the sharp practices of some timeshare sales agents. These stories are all too familiar, the consistency of the testimonies of different families bares witness to some very nasty sales techniques.

If you have a story to tell or have any information about a company that you would like to share with others, Inside Timeshare would love to hear from you.

Have a great weekend.

friday cat

The Friday Post: A Look at the Past Week.

It’s Friday, the end of another week in the murky world of timeshare, and what a week it’s been.

The RDO and TATOC announce that Silverpoint has withdrawn their membership from these two organisations, with Silverpoint announcing they will no longer be selling timeshare. One can only speculate as to the reasons behind this, but it does look like they may just be looking to develop another product which circumvents the timeshare laws. Rumour has it, this may be a “leisure credits” type of product.

There is also a lot of speculation as to a probable name change to the company, again this might just be to deflect any further litigation. After all Silverpoint did try and argue that they were not Resort Properties at one point, but the courts threw this out stating they are one and the same entity.

Inside Timeshare also announced in a previous article the sell off at Beverly Hills Heights, with owners being moved to other apartments or to Hollywood Mirage. We saw this at Beverly Hills Club a couple of years ago when this resort was sold off. It is now used as a hotel. Palm Beach Club owners also had the same thing happen, when the top 3 floors were sold. Again they were moved to other apartments or resorts.

Silverpoint’s woes do not just stop there. This week alone, the Canarian law firm, Canarian Legal Alliance announced 6, yes 6 court judgements against Silverpoint. All of these were delivered by the Court of First Instance in Arona, they all followed the 50+ Supreme Court rulings.

All the contracts were declared “Null & Void” with over £120,000 awarded to the clients, including legal interest and legal fees. This is quite a staggering amount to have to pay out in just one week, with many many more in the pipeline. It makes you wonder how long Silverpoint can hold out with these figures being awarded against them by the courts. So they may just need to come up with a new product pretty damn quick!

Again this week we have had new information passed to us about the Litigious Abogados family, these “law firms” are hitting many timeshare owners with false promises of cases against their timeshare resorts / companies being lodged at court. One which we highlighted this week was a gentleman who had a narrow escape, luckily he found previous articles and never paid them.

The new “firm” Abel Garcia Abogados, told him his case had been lodged with the court in Santa Cruz de Tenerife on 4 March, the case was due to be heard on 25 April. Under 2 months to get the case heard, this is astronomical, even CLA take around 2 years and they are the most experienced in this field.

The only problem is he did not own anything, the “club” he purchased and the marketing company selling it, were dissolved many years ago so no longer exist. They were also UK based and the sales were conducted in the UK, so how could a Spanish court have jurisdiction?

These “law firms” have a very sophisticated operation, all the documents look genuine to those who do not ever see the real thing. The story is also very plausible, then coupled with the high amounts being “awarded” by the court, along with copies of the cheque waiting to be sent to the lucky client, it is easy to see how people can be taken in.

Irene Parker, our US colleague, has also been busy, getting ready for her “starring role” in the Fox News programme Property Man with Bob Massi. Today’s article from the US is an update on Timeshare Advocacy Groups.

This is becoming a very big project, attracting more and more owners to the various facebook groups, it is also stimulating a lot of dialogue with the industry. Could it be the industry is now starting to realise that without you the owners / members, there would be no industry?

Well thats enough of that, on with Irene’s Friday piece.

Update on Timeshare Advocacy Groups

cartoon

Irene Parker

April 6, 2017

Our consumer advocates have heard an earful, so we are encouraging those who feel they have been victims of deception or fraud, review ARDA’s code of ethics and email ARDA ROC to express your concerns.

The biggest complaint our Advocacy Group members have expressed is lack of a secondary market.  ARDA ROC needs to know when there is no secondary market for a timeshare, at least not through any of the 64 members of the Licensed Timeshare Resale Broker Association.

http://www.licensedtimeshareresalebrokers.org/

If you are looking for information on selling your timeshare, please note that ARDA-ROC is not a resale organization, however we can point you in the right direction. Visit

http://www.ardaroc.org/tips-to-exit-your-timeshare.aspx

for more information on the timeshare resale process as well as a link to resale companies who are members of ARDA.

Ethics Code of the American Resort Development Association adopted by the Board of Directors April 7, 2014

  1. Conduct.  All  Member Activities with customers, clients, other Members, business or community partners, regulators, legislators or government agencies shall be honest, legal, ethical, and in accord with standards of fair business dealings, professionalism, integrity, dignity and propriety. Members shall not denigrate the Vacation Property business, but instead shall use their good faith efforts to promote the Vacation Property business.

woman phone

Timeshare narrative can get confusing fast, especially when there are multiple contracts that span several years. To make it easier for the resort and for our members, here is a blueprint members can follow.

How to File a Complaint

Name

Phone Number

State of Residence

Number of points currently owned

Current Maintenance Fees

Original Loan Amount and stated interest rate

Current Balance

Resort where purchased and sales agent’s name

If you are claiming deception or fraud, list how you feel you were deceived.

Deception 1

Deception 2, Etc.

What do you want? Do you seek Refund or Relinquishment? If your investment is $20,000 or less and you owned your timeshare for ten years or more consider relinquishment.

Are you sure you know how to use points and the program correctly?

Why do you want relinquishment?

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

Availability – There are many who are happy with availability but there are those who have been oversold on availability. For example, we were told to buy more points because NYC properties were being added. Because these are affiliated properties, like in San Francisco as well, they are never discounted and never have 59 days or fewer rates. On average, year round, it costs $5000 to $10000 in maintenance fee equivalent dollars what could be booked online in New York for $2500 to $3500 for a week. Great Wolfe Lodge is similar.

MOST IMPORTANT – Purchase Timeline

Remove numbers from your testimony. It is better to state your narrative as a narrative referring back to the contracts and figures at the top of your complaint.

ALWAYS include the name of the sales agent (s). Refer to your contract if you don’t know.  Provide the sales agent’s ID number if you can.

How Advocacy Works

Email your sworn testimony. Raise your right hand. Do you promise to tell the truth, the whole truth, and nothing but the truth, so help you God? Start writing.

Send to intake volunteer who will review, edit and return to you.

Position open: Volunteer report writer. No experience necessary.

An email will be sent to the resort, public relations and you.

Owner or member takes it from there unless there are questions or concerns along the way. Owner or member will report back with positive or negative outcome. Due to the mutual release, terms and conditions will not be discussed. If negative, complaints to be filed with:

Attorneys General where you signed, where you live and Nevada.

Our Advocacy Group

We seek to provide Diamond Resort 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/groups/DiamondResortsOwnersAdvocacy/

It’s a lot of work but it is the only way to change business practices is through an organized lobby effort targeting legislators and regulatory agencies that may be sympathetic to owners or members, and media outreach targeting the general public.

What to expect from regulatory agencies:

http://insidetimeshare.com/chicken-soup-timeshares-soul/

Send us your comments or articles! New voices are needed.

need you

So there we have it, the end to another week, but as we say, timeshare never sleeps more news will break over the weekend so watch this space for next week’s articles.

Have a good weekend and enjoy yourselves.

weekend cat

Friday Letter from The US: Part II: What is our Timeshare Advocacy Group Doing Today?

Here we are again, another Friday and another letter from America, courtesy of Irene, following on from last week’s article.

Firstly the similarities between ARDA ROC and the RDO TATOC, both are industry trade bodies and owners organisations funded by the industry. Both require their members to abide by a code of ethics, but neither will arbitrate or investigate their own members. One difference is that ARDA ROC will not recommend any resale company, but RDO and TATOC will recommend any company that is one of its members.

Both bodies also actively focus on chasing scam and bogus companies, the RDO has employed kwikchex to head their Timeshare Taskforce. This company runs Timeshare Business Check, who contact businesses and question them for transparency, they list those who are not RDO or TATOC members, basically saying if they are not members or submit to their questions don’t touch them. They have no legal mandate and the owner has what can only be described as a very poor track record as a director. (see following link).

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

Only last week we announced and published the news that ARDA have donated $30,000 to TATOC and their Consumer Helpline, which received charitable status after initially being rejected. This donation was given because it is said they help and advise European Owners of US timeshares.

This is obviously a saving grace for TATOC as many of their members are withdrawing their membership or reducing their membership status, as was seen by Silverpoint dropping from Platinum to Silver.

Harry Taylor himself has been somewhat discredited over the Lakeview debacle, which has been going on for sometime. He has also been a very vociferous supporter of MacDonald Resorts and their forcing owners from fixed weeks into points. There is a class action ongoing by members who do not want the change as it then gives MacDonald’s “ownership” of the resorts and reduces members to “right of use only”.

This is happening in Spanish resorts, where we know that the points system is illegal, yet is still going ahead. MacDonald Resorts have a very bad reputation for the way they deal with members including the elderly. Yet they are main contributors to Harry Taylor and TATOC. Even the RDO have had nothing to do with them since 2005.

So we now move on to Irene’s article.

Part II: What is our Timeshare Advocacy Group Doing Today?

Part I: What is ARDA ROC Doing Today?  

By Irene Parker

March 31, 2017

Boss

“What is ARDA ROC Doing Today?”

http://insidetimeshare.com/friday-letter-america/

ARDA, the American Resort Development Association, is the national organization representing the timeshare industry. The ROC in ARDA ROC is the Resort Owners’ Coalition looking out for timeshare owners’ or members’ interest. Critics argue ARDA ROC works against timeshare owners when the interest of the owner and the developer diverge. It should be noted that non-deeded point members don’t “own” anything as they are right-to-use programs.

 FAQ Timeshare Resale Questions found on ARDA ROC website

Can ARDA-ROC or ARDA help me?

ARDA provides professional and educational development for its members provides industry research and data and advocates for policies that promote the vitality and continued growth of the industry. Based in Washington, DC, ARDA is comprised of nearly 1,000 corporate members and one million timeshare owner members.

Question: How many readers knew they were a member? Donations range from $3 to $10 as an opt-in or opt-out donation. That adds up to approximately $5 million a year in voluntary donations.  How many timeshare members even know what the letters stand for?  I didn’t. I was told it was an organization that helps timeshare owners. Foreign buyers who buy a US timeshare are also charged. How much do you think they know about ARDA ROC?

More from ARDA ROC FAQ

Neither ARDA-ROC nor ARDA provide information about complaints they receive.  ARDA-ROC and ARDA do not mediate, arbitrate or otherwise resolve individual disputes between a consumer and an ARDA member or non-member business. They don’t buy or sell timeshares OR recommend companies with whom you should do business. Neither can tell you if a company is “legitimate.”

ARDA does not have any regulatory authority, although they do require member companies to agree to abide by their Code of Ethics. Failure to do so may result in expulsion of the company from membership.

http://www.ardaroc.org/roc/resource-library/default.aspx?id=2771

Timeshare owners, often unaware they have signed a perpetual contract without a secondary market, consider the lack of a secondary their primary concern. ARDA has focused their efforts on chasing timeshare transfer agent scams, but little is mentioned about the cause of the scams, which is the lack of or limited secondary market.

 Thank you to Disney because Disney does allow a secondary market. “Disney is known for exercising their first right of refusal. When a timeshare company exercises their first right of refusal, the effect supports the resale price,” explained Tom Tubbs of Island Consulting Realty. Check out those Disney resale prices. Is your timeshare on the resale list below?

http://www.timesharestogo.com/listings/index.phtml

Deeded weeks can almost always be listed. If a resort has converted from weeks to points, non-deeded points with no secondary market will not be listed as the members of the Licensed Timeshare Resale Broker Association feel such points are worthless on the secondary market. If denied a voluntary surrender, a seller in this situation has nowhere to turn but foreclosure or the well reported transfer agencies that may or may not get you out of your timeshare.

Tom is a LTRBA member. I’ve gotten to know quite a few of the members and respect what they do to work with what little secondary market they’ve got.

http://www.licensedtimeshareresalebrokers.org/

Tom cautioned against making a blanket statement accusing ARDA ROC of not doing anything for members. A good example is the Virgin Islands. They are trying to slap an extra $300 onto an exchange. “If that happens, Aruba and other locations may try to follow suit,” warned Tom. In Hawaii, our two bedroom timeshare at Maui Hill slipped in a $6.90 a night Hawaii some kind of tax.

However, when the interests of the timeshare developer are at odds with the timeshare owner, the result is controversy. Issues like:

Owner access to membership lists. Timeshare owners receive endless calls offering vacation giveaways due to a mysterious $1800 credit on our maintenance fees, yet the developers work to pass laws or put up obstacles preventing owners from contacting other owners. No one on our Advocacy Facebook group will question why developers don’t want that!

https://www.redweek.com/resources/ask-redweek/timeshares-refuse-to-share-owner-lists

The lack of a secondary market.

Back to my $7 ARDA ROC “Voluntary” Donation

accountability

This “voluntary donation” can be difficult to remove from your account.  

What is this voluntary ARDA-ROC fee doing in my maintenance fee bill? – RedWeek.com

I asked timeshare Mike Finn of the Finn Law Group why it has been impossible to have my voluntary $7 removed from my timeshare maintenance fee invoice?

“Indeed you are quite correct that several other resorts include a line item in their maintenance fee statement for an ARDA-ROC contribution. I guess they get away with it because it’s allegedly voluntary. However subsequent maintenance billing beyond the first one incorporates that so called voluntary contribution and lumps it in with the subsequent maintenance fee total billing. If you don’t pay your bill after you receive the initial bill and you pay it after you receive a subsequent bill, you’ll probably be inadvertently including that voluntary contribution into your maintenance fee,” Mike explained.

Our Advocacy Group will begin having monthly conference calls to:

  • Target legislators that might be willing to consider owner concerns;
  • Educate the general public about what questions to ask before buying a timeshare. We wish someone gave us that advice!
  • Get updates on current legislation;
  • Get updates on legal and regulatory matters;
  • An update on the measurable success of our Advocacy Group.

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

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

Happy group

So there we have it the end of another week in the murky world of timeshare, Irene and myself thank those who have contributed to all the articles we publish, hoping it gives you the owners and readers an insight into what is going on. We have had many people contact us for advice and help, and through the contributions from readers, we have highlighted many dubious companies.

It remains for Irene and myself to wish you a very happy weekend, have fun.

weekend

 

The Friday Letter from America

Back in January, Inside Timeshare published Irene Parker’s article Attorneys General and Timeshare under Trump, This was at the time of the now President Trump’s inauguration. In the introduction, we broke the news to our US readers of the plans  Mr Trump had going through planning in Scotland, for a second golf course and the increase in the number of timeshare apartments.

This apparently came as a big surprise to our American readers, it would seem they had no idea that he was also involved in “timeshare”.

Below are three links to two major UK daily newspapers, the last link is around 9 months old, but shows the opposition that Mr, now President Trump faced from local people. In this particular article is the story of a quarryman who refused to sell his home to Trump, who described him as a “disgrace” for not wanting to sell him his “pigsty of a home”. I don’t know about you, but in the UK and especially in Scotland that type of remark about someone’s home is a total insult.

http://www.independent.co.uk/news/world/americas/donald-trump-organization-golf-links-resort-scotland-aberdeen-conflict-interest-a7534596.html

https://www.theguardian.com/uk-news/2016/dec/22/planners-reject-donald-trump-revised-plans-scottish-golf-resort#img-1

https://www.theguardian.com/us-news/2016/jun/23/donald-trump-faces-wall-of-opposition-as-he-returns-to-scotland

Now to Irene’s article.

What is ARDA-ROC Doing Today? An Analysis

By Irene Parker – March 24, 2017

torch

After reading the March article “What is ARDA-ROC doing today?”

http://resorttrades.com/what-is-arda-roc-doing-today/

It seems a good time to revisit my $7 “voluntary” donation to ARDA-ROC. The word voluntary has a nice ring to it so for years when paying our maintenance fees, if I was asked if I would like to make the voluntary donation to ARDA-ROC, I said, “Sure.” Since then I have learned too much to ever answer in the affirmative again, unless proven wrong.

According to Lisa Ann Schreier, the ARDA board only lists one timeshare owner. Of the 23 board members, included are Frank Goeckel, Diamond Resorts, recently departed with a $2 million handshake and Franz Hanning, departed after the Trish Williams $20 million Wyndham Whistleblower verdict with a $3.4 million handshake.

http://www.ardaroc.org/roc/about/default.aspx?id=1354

Of the $816,068 ARDA made in political contributions, 74% went to Republicans and 26% to democrats. This breakdown was also provided by Lisa Ann Schreier:

https://www.opensecrets.org/pacs/lookup2.php?strID=C00358663

Like it or not, timeshare is all about politics. President Trump, or his family, is going into the timeshare business. Pictured to the left of President Elect Trump is long-standing friend David Siegel, owner of Westgate timeshare. Given the current political climate it would not surprise me if the Consumer Financial Protection Bureau halted their investigation of Westgate. The CFPB was spearheaded by Senators Elizabeth Warren and Bernie Sanders. That’s the organization that helped the Wells Fargo victims.

trump
David Siegel seated to the left of Donald Trump

As Charles Thomas of Inside Timeshare previously reported,

“Well it is actually quite simple for those in Scotland, back in 2008 there were some very heated debates over Mr Trump’s plan to build an 18 hole golf course and resort in Balmedie Aberdeenshire. This met with considerable resistance from the local people, but eventually Trump won through.

The original plan was to build a 450-room hotel, a second golf course, 500 luxury homes and 900 timeshare apartments along with a second 18 hole golf course. In a recent article in The Guardian newspaper these plans now intend to double the number of homes and timeshare apartments”

Whether you are or were for or against now President Trump, it is clear he is on the side of the timeshare developer which has become a battlefield pitting owners against developers.

Now to our main attraction:

What is ARD-ROC doing today?

A breakdown for soundbite reading and request for more information:

In a perfect world the only thing ARDA-ROC would be doing today would be writing checks, sitting back and relaxing. But, it’s not a perfect world and so a typical day for Chairman Ken McKelvey goes something like this:

ken McKelvey
Ken McKelvey

It is a Thursday and McKelvey started his day discussing a new wrinkle in the South Carolina transfer legislation that ARDA-ROC has been proposing.

I believe this is South Carolina House Bill 3647 tightening the language of timeshare transfers. In our last article we reported how the nature of the perpetual contract, rising maintenance fees and little or no secondary market spells a disaster for aging original owners if denied a voluntary surrender.

That was followed by a conference call regarding the proposed United States Virgin Islands timeshare fee.

This does sound like a benefit for owners because an extra $300 slapped onto an exchange seems exorbitant.

The day before was loaded with details regarding a Saint Maarten Parliament Timeshare Ordinance and its potential impact on consumers.I know nothing about the Saint Maarteen Parliament Timeshare Ordinance but it sounds ominous.

Along with a final draft of legislature in Florida regarding the sunset clause to help legacy properties gain reasonable voting requirements to extend into the timeshare agreements into the future. Whew.

This is Florida House Bill 818 concerning a reset to continue beyond the sunset provision.

And he’s just a volunteer who is happy it is not Monday.

The ongoing operations of ARDA-ROC is both reactive and proactive; on one hand they react to any proposed legislature, dealing with real estate or tourism proposed laws that have any tentacles that could possibly affect timeshare and on the other hand they write and lobby for legislature that could help timeshare owners.

This lobby effort sparked outrage among owner advocates. Did my $7 go to this effort?

“The bills (House Bill 453 and Senate Bill 932) have been sponsored by two politicians from Central Florida — deep in the heart of time-share country: Rep. Eric Eisnaugle, R-Orlando, and Sen. Kelli Stargel, R-Lakeland.

Both politicians have received money from time-share interests — an industry that showers cash on Florida politicians and committees, including $300,000 to the Republican Party of Florida and $150,000 to the Democrats,” reported Scott Maxwell for the Orlando Sentinel.

http://www.orlandosentinel.com/opinion/os-florida-timeshare-tactics-scott-maxwell-20150411-column.html

Throughout the year, ARDA-ROC has lobbyists on retainer in up to 25 states, and territories, and who according to McKelvey “we HOPE the only thing we ever hear from them is an invoice.”

These lobbyists monitor and pick through every piece of proposed legislature with a fine tooth comb, seeking things that are rarely specifically spelled out to say timeshare, but could be interpreted to have grand impact on it.

This from Advocate Michael Kosor:

The “fine tune comb” can be seen in the Nevada State Bill 195 that would have allowed an Association Board to terminate its management contract (the most important and costly agreement a board oversees), issued to them by the developer, without obtaining a majority owner vote – an impossible effort. ARDA-ROC identified the change and successfully lobbied to have it removed.  This was clearly an owner friendly provision the industry did not support.  Lobbyists (of ARDA and ARDA ROC, they use the terms loosely and interchangeably) suggested (vaguely and without discussion despite being an absurd assertion) the original language was “intended to protect timeshare owners” and should not be changed.

Keep Reading

Friday Review: News from Across the Ocean

Inside Timeshare once again publishes the Friday article from across the Great Lake (The Pond to our American Cousins). Today a new contributor, Laurie Sabbagh, with additional notes from our senior writer Irene Parker, who is doing a great job in rousing timeshare owners in the US to work together and improve the industry.

Firstly, we are getting more and more information on that outfit operating out of Tenerife, the Litigious Abogados family. The latest addition which we reported on 14 March Abel Garcia, was very interesting. As we said in the article, the website was registered on 5 January 2017, the name of the “law firm” was never heard of, yet the court document showing “Keith Baker” being sentenced, is dated 17 January 2017. Well we have never heard of a case going to court and being adjudicated with sentence being passed within 12 days. Wow, these lawyers are good!

We have also heard from another reader who had dealings with Stephen Fairclough and Meredith Pritchard Claims Consultancy Limited, another figure of just under £6000 has been paid, given the details of Jose Dorta of D&M Lawyers, yet no case or anything. This reader also suspects that the elusive Stephen Fairclough is back in Portugal.

So now on to our new contributor.

A Diamond Resort Member Does Her Timeshare Homework

Timeshare Members Instructing Other Members

Board

By Laurie Sabbagh  

Notes from Irene

March 17, 2017

Diamond Resorts member Laurie Sabbagh is also a member of our Diamond Resorts Advocacy Facebook Page. Our mission statement:

We seek to provide Diamond Resorts 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/groups/DiamondResortsOwnersAdvocacy/

Today Laurie educates prospective and current owners. Not many timeshare buyers comparison shop. Timeshare sales presentations are almost always same day sales. A timeshare sales agent named in the Colorado Attorney General’s investigation of Highlands Resorts explains why:

“According to Highlands Resorts” sales manager Steve Abrahamson, named in the lawsuit, “In the eighteen months he worked for Highlands Resorts, not a single consumer returned after their sales presentation to make a purchase. In his fifteen years in the timeshare industry, Abrahamson never saw a consumer purchase a timeshare after leaving a sales presentation.”

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

From Laurie:

I recently started reading the invaluable Inside Timeshare articles and web postings of timeshare advocate Irene Parker after joining the member sponsored Diamond Resorts Advocacy Facebook Group. In February I posted that I would soon stay at Diamond’s Los Abrigados resort in Sedona. Irene asked me to attend the “members update” to find out if sales agents were adhering to the Arizona “Assurance of Discontinuance” rules.

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

After more than ten years of dodging the member updates, (i.e., sales pitches), I reluctantly accepted the invitation from the concierge to attend a 55 minute presentation.First, a little background on my Diamond “The CLUB” membership:

My membership started in 2006, when I purchased 8500 points in the Hawaii Collection when it was part of Sunterra. This vacation ownership interest (VOI) gave me a right of use equal to one week at either the Point at Poipu in http://Kauaior the Ka’anapali Beach Resort in Maui that I could reserve 13 months out, plus have access to resorts in the US and California Collections. In 2011 I received notice of a special assessment (SA) for a water intrusion problem at the Point. I scoured the internet to find out what was happening and learned that Sunterra knew about this massive liability when I purchased my vacation ownership, but its salespeople most likely weren’t informing prospective buyers about the problem prior to DRI’s impending purchase.

http://www.tstoday.com/members/magazine/issue123/7-poipu%20point.pdf

I was able to absorb the cost of the SA and considered myself lucky compared to owners who were on the hook for around $6,000 per deeded week for the water intrusion project – as many as 500 owners defaulted on their units because they either couldn’t or refused to pay the assessment. By reading Redweek and TUG I learned that management companies can change the terms of the Vacation Ownership Interest VOI membership agreement at any time, for practically any reason. I also read posts about high-pressure and questionable sales tactics being used to get consumers to buy into the various Collections  – some Hawaii Collection members were being told to get out of that collection by buying more points to transfer into the US Collection to avoid future SA’s, and vice versa. Reading about other people’s’ experiences was a wake-up call that it was not in my best interest to buy any more points.

Note from Irene:

I have received several complaints from people who attended sales presentations (one at Daytona Regency) told they should not have bought Hawaii Collection Points because Hawaii maintenance fees were going to increase dramatically or were encouraged to transfer Hawaii Points into the US Collection because Hawaii real estate is valuable, Hawaii Collection owners only can rent Points and only Hawaii members’ heirs can refuse inherited Points. Each transfer requires the purchase of more Points.   

Now to Laurie’s member update:

Two people

The promised 55-minute update turned out to be about three hours. The first salesperson, with whom I spent most of the time, was courteous and not high-pressure, although she did advise me to buy more Points to bring me into the Silver loyalty level which is 15000 Points. But to upgrade to Silver they were going to charge me over $8.00 a point, which would have cost more than $50,000! She also said the Hawaii Collection maintenance fees were more expensive and that I should join the US Collection. However, the second sales person I spoke with said with my small number of points, it costs only about $100 more per year.

Note from Irene:

According to SIRF Southern Investigative Reporting Foundation, Diamond points historically have sold for an average of $3 to $4 a point through 2014, according to data obtained from lawsuits. In a prior article, we reported Apollo plans to raise the price per point to $10 and then $12 per point.

http://sirf-online.org/2016/03/07/27464/

Back to Laurie’s sales presentation:

The sale’s agent also said that Apollo Global Management, the owners of DRI, would freeze that price for me for 18 months, and that the price was likely to rise soon.

Note from Irene:

Apollo Global Management founder, banker Leon Black, also founded Drexel Burnham Lambert of junk bond fame. Junk bonds did have some value, but a Diamond contract becomes worthless the moment it is signed should an owner need to sell, unless a friend or family member is willing to buy the Points.

Laurie:

I was also told that DRI members can use Points like cash for items such as airline travel, hotels, luxury items, and guided tours and adventures.  For example, Diamond Luxury Shopping enables Platinum and Gold members to apply Points towards products that are 30% off the best market price. But at a redemption point of $.30 per Point, this seems exorbitant to me.

Note from Irene:

I tried to use Points for an airline ticket. The Points we bought for $4 were worth $.07 for travel awards (Platinum $.10) so for $2,300 in equivalent maintenance fees dollars I could buy one domestic US flight. Customer Service told me this benefit is for convenience, not value.

Back to Laurie

Another example is that members can use 1500 points to purchase America the Beautiful – the US National Parks and Federal Recreational Lands Annual Pass.  My 8500 Points cost $1,973 this year, which includes maintenance fees, The CLUB fee, taxes, and mandatory membership in Interval International. That comes to about 23 cents a point.  For me, 1500 Points for the pass equates to $348, not including the $10 processing fee for my “Valued” level of The CLUB membership. I paid $80 for the same pass at a National Monument we just visited. Seniors over 62 pay $10.

At the end of the presentation a third person asked me some questions, including if I was treated courteously. I said yes, but also said I was not interested in buying any more Points with DRI. I declined the $100 Visa gift card, since that was not my reason for attending the update.

All said my elderly parents and I had a wonderful week at Los Abrigados. I was able to secure the historic Stone House, an 1800 square foot property with four separate entrances for only 6500 points. I almost always book weeks for 50 to 75 percent off, within the 59 day discount period, and have experienced good value for my points.  Every year I’ve been forced to vacation or lose my points, and I’ve taken about 18 weeks of vacation at DRI resorts since I bought my membership. If I had not purchased this VOI, I never would have gone to all the places that The CLUB membership has enabled me to visit. However, I advise other members to only use points for timeshare use, not the auxiliary products or non-resort vacation experiences DRI offers.

Thank you to Laurie for sharing her knowledge and experience. Email us at Inside Timeshare if you have a timeshare story you would like to share.

share

Thank you Laurie and Irene, once again Inside Timeshare would like to thank all those who contribute, either through writing articles or supplying information on possibly rogue companies. It is through your efforts that we can inform the timeshare world on what is going on.

On another note Canarian Legal Alliance has been nominated for the Canary Awards which recognises individuals and businesses that make a difference on the Canary Islands.

Canarian Legal Alliance has been nominated in the Real Gran Canaria category for their outstanding services to timeshare consumers and their efforts in the changing of consumer law.

In the Business Person of the Year category is Csilla Nazali, the operational manager of CLA for her outstanding work with all the clients.

Follow the link and vote for them, I’m sure they will appreciate it.

http://thecanaryawards.com/vote/voting-categories-page-1-of-2/

 

End of the Week Review.

We started this week with Irene’s article on Consumer Protection Week in the US, we end with another.

While in Europe and especially Spain, we have seen more news coming from the Supreme Court. At the start of the week it was announced that Silverpoint formerly Resort Properties, have been ordered to pay back 169,000€. This was announced in the Spanish newspaper El Diario (see link), the Spanish press have been very fast to publicise these rulings, which have gone virtually unnoticed in the UK press.

http://www.eldiario.es/canariasahora/tribunales/Varapalo-Supremo-timesharing-comercializado-Canarias_0_619088490.html

In another case, the Supreme Court ruled against the same company for infringements of the timeshare laws for a German client. In this particular case the court again stated that the client was a consumer not an investor as Silverpoint had claimed. The client’s contract was declared null and void and awarded over 30,000€.

These cases have been brought by the Canarian law firm Canarian Legal Alliance, who so far since the first Supreme Court ruling 2 years ago, have secured over 3 million euros for their clients, with over 1.2 million euros already in the accounts of the clients.

CLA Logo

To celebrate the 2nd birthday of the first ruling, the Norwegian lady who made legal history visited the lawyers who fought her case. Mrs Tove Grimsbo, had an epic battle which lasted several years, her case was highlighted extensively in the Scandinavian press, but through the perseverance of her lawyers she eventually won through.

 

http://insidetimeshare.com/meredith-pritchard-new-exit-claims-company/

So on to Irene Parker’s End of Consumer Protection Week article.
End of Consumer Protection Week March 5 – 11

By Irene Parker

satisfied

Consumer Protection Week ends today. Here are some tips on purchasing and owning a timeshare. Timeshare is a good product for some but it does not work for everyone.

“Buyer Beware!”  The psychological methods used by some timeshare companies and agents are designed to wear the consumer down – difficult to overcome even by the strongest individual. “My personal opinion, working as a sales agent for Diamond Resorts and Hyatt, convinced me that greed and making the sale at any cost is the corporate culture. I saw manipulation, threats, deceit and fraud used to make sales. When you have a good product, these methods are not necessary to make the sale,” reported one former timeshare sales agent.

Do your homework. Few will buy a house or car without some comparison shopping. Contact a member of the Licensed Timeshare Resale Broker Association to compare developer versus secondary market prices and benefit or lack of benefits when buying a “used” timeshare.

http://www.licensedtimeshareresalebrokers.org/

Ask yourself if the “FREE GIFT” is really worth signing a perpetual contract, accompanied by perpetual maintenance fees, in a same day sale, with little or no secondary market.  Most timeshare companies do not offer buy-back programs and voluntary surrenders are not guaranteed.

If you are a timeshare owner who feels you were lied to or deceived in your timeshare purchase, and if resolution is not achieved after contacting your resort:

File a complaint with the Attorneys General of the state where you signed your contract, where you live, and where the resort is domiciled.

http://www.naag.org/naag/attorneys-general/whos-my-ag.php

File a complaint with the Consumer Financial Protection Bureau under the mortgage option (even if no mortgage).

https://www.consumerfinance.gov/complaint/

In some states the standard of fraud is as simple as dealing honestly and fairly. In such states, if you were lied to, the contract is fraudulent.

We should begin now planning for Consumer Protection Week 2018. Consumer Protection Week should provide a benchmark as we set goals today that can be measured next year. Goals that can determine where and how timeshare business practices have improved.

As Irene said, do your homework, anything to do with timeshare is a minefield, from first purchase, to resale companies and then to all the so-called legal and claims companies that are now proliferating, especially in Europe following the rulings made by the Spanish Supreme Court.

There are so many companies jumping on that particular band wagon, some are very sophisticated operations, such as Litigious Abogados (see link for the last article, or search Litigious Abogados in the search box for all articles).

http://insidetimeshare.com/litigious-abogados-plot-gets-thicker/

Another facebook group has also got off to a flying start (see link below), it is a closed group but welcomes new members. It is a forum for dialogue and debate, taking a different approach to many of these groups that use social media, by encouraging opposing views. They have even welcomed a Diamond sales agent, who has even agreed with some of the owners views on sales practices. This is what is needed if timeshare is to change.

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

So there we have it, thank you to Irene and all the contributors in the US, also to the readers who have supplied information on some of the companies we have researched. It is your information that is helping others to negotiate this murky world of timeshare. Have a good weekend.

friday-again