Friday’s Letter from America

Welcome to this week’s Letter from America, it is yet another “Nightmare on Timeshare Street” by Irene Parker involving yet another Veteran, this story is on that will make your blood boil! But first for some news from the Spanish Courts and more disasters for the timeshare industry.

Anfi were yet again on the receiving end on the 18 September, They had to deposit into the court the sums of 48,735.82€ and 16,222.68€ in respect of sentences issued in the favour of clients. In two days that brings the sum Anfi have had to payout to a massive 184,650.14€.

On the same day, the Courts of First Instance in Masàlomas issued another sentence against Anfi, at the same time in Tenerife, Silverpoint had two sentences issued against them. In all the total awarded is a massive 215,000€. All contracts were declared null and void and all clients received back double the deposit paid which was in breach of the law forbidding the taking of payments within the cooling off period. One of the sentences against Silverpoint was issued by the High Court in Tenerife.

In another case which was held last week, the Judge at the Court of First Instance number 5 in Arona, decided that the case would not be sent for a full trial, he decided that as the case was in flagrant breach of the timeshare laws, he would issued the sentence in due course. On 19 September that sentence was issued, the contract with Silverpoint was declared null and void, with the client being awarded more than 23,000€.

Good news also came from the Courts of First Instance in Maspalomas, The judge presiding over Court Number 3 had several pre-trials this month, he then decided that these cases need not go to a full trial and he would issue sentences in due course. That now make Courts numbers 1, 3 and 4 no longer sending cases for a full trial, this is obviously good news for the clients bringing the cases as it now speeds up the judicial process.

All these cases were brought on behalf of clients from none other than those determined lawyers at Canarian Legal Alliance, so congratulations the lawyers and their clients.

One of our readers contacted Inside Timeshare to inform us that an ex sales Rep from Silverpoint had cold called them regarding getting them out of their Silverpoint contract with a view to gaining compensation. How did our reader know he was an ex-sales rep, simple, he was one of those that sold them the Silverpoint in the first place! The Caller stated he was from Harlow Consultants SL, again there seem to be links with two companies based in Sterling and Aberfeldy, which we have already mentioned in previous articles.

The worrying thing here is we already know from other readers that these companies are cold calling Silverpoint owners, we also know that Silverpoint has made arrangements with them to cancel contracts. So it is safe to say that they are working from data supplied by Silverpoint themselves, we also know that the whole purpose is to get these contracts cancelled so those owners then have no recourse to any legal action. Any compensation that is promised will not materialise and you will also be paying for the pleasure of having the contract cancelled. (In other words paying them and Silverpoint)

Now for our Letter from America.

A Fourth Vietnam Veteran, Agent Orange Disabled, Fights a Timeshare Battle

By Irene Parker

First Draft September 16, 2018 for Friday September 21

Inside Timeshare has heard from 587 U.S. timeshare members, all but a handful alleging unfair and deceptive trade practices. Of the 587, 78 are veterans, active duty military and law enforcement. Many of the vets are disabled. Four, like Mr. Gomez, are disabled from Agent Orange. The volume of timeshare complaints submitted by readers has established the following facts and opinions:

  • Fact – Many of the 584 families are financially devastated by their decision to buy a timeshare. I have listened to many tears.
  • Fact – All but a few complaints have been dismissed with, “You signed a contract” or “Verbal representations are hard to prove.”
  • Fact – All the complaints sent to the Nevada Real Estate Division and the Florida Timeshare Division, DBPR, have been met with the above defenses.  Other states have taken complaints seriously, based on the volume of complaints and the similar nature of the complaints.
  • Fact – There are several repeat offending sales agents, with three to six identical or similar complaints.     
  • Fact – Not one of the 584 families knew their timeshare had virtually no secondary market.
  • Fact – A significant number have been ripped off by a timeshare exit company.
  • Opinion – Lawyers with no timeshare experience have no business taking a timeshare case.
  • Fact – The dollar amounts of many complaints lost to timeshare exit scams pales in comparison to the dollar amounts lost believing timeshare sales agents, according to member reports.

One resort has accused me of creating complaints. In other words, if the member had not talked to me, they would not have had a complaint. In the case of Mr. and Mrs. Gomez, this is true. I’ll explain. We will not name the timeshare company, hoping they will help the family, but the Gomez family said they would like their story told. Mr. Gomez is 71, Mrs. Gomez 63. They are Arizona residents.

Like George Yamada, from last week’s article, Mr. Gomez is a Vietnam Veteran, disabled from the effects of Agent Orange.

https://www.opednews.com/articles/Let-s-Honor-our-Veterans–by-Irene-Parker-Fraud-180908-59.html

Mr. Gomez is 100% disabled. Mr. Gomez earned two Purple Hearts. He has been informed his pancreatic cancer is terminal.   

   Vietnam soldiers

Mr. Gomez called a week ago and said he was struggling with a $28,000 timeshare mortgage. After listening to his comments, I concluded there had been no deception. A timeshare mortgage is just like a home mortgage in that you can’t go to your home mortgage lender and say, “I can’t afford this.” Mr. Gomez said he had switched some old points into a newer category of points. At the end of our conversation Mr. Gomez mentioned his Stage 4 pancreatic cancer. I advised him to request a release based on medical hardship.

That night I woke up with one of those lightning bolt 2 A.M. moments. I called Mr. Gomez first thing the next morning and asked WHY had he switched from the old points to the new? He said it was because his resort had gone bankrupt.

I know for a fact that it is not mandatory to switch from his old points to the new. Mr. Gomez went on to tell me the sales agent in Las Vegas knew he had pancreatic cancer because he had explained to the agent why the four hour presentation was so tiring. He was suffering the aftereffects of his treatment. “They said our maintenance fees were $2,200 for 2018 and would go up to $3,000 January 1, 2019 if I did not convert, but if I upgraded to the next loyalty level I could turn in 10,000 points to pay $2,000 of the $2,500 maintenance fee,” he added. This is nonsense of course.  Mr. Gomez’s maintenance fees will go up more than $2,500 because of the additional points he purchased. Maintenance fee invoices have not been sent, but I seriously doubt the increase in his prior points will increase this dramatically. I own the same points.

So yes, you could say I created this complaint. Without my informing Mr. Gomez it was not necessary to switch from one set of points to the new, he would not have been aware of the deception. Only at the highest loyalty level can maintenance fees be paid with points (at pennies on the dollar).    

Whether this complaint is resolved or not resolved, it doesn’t change the turmoil this timeshare has caused the Gomez family by believing they had to transfer from one program to another. Mr. Gomez has been accepted for Hospice.

Mrs. Gomez called me. I had already surmised Mr. Gomez is an easy going person. His reaction seemed more disappointment than anger when I told him he could have kept his prior timeshare with the $6,000 loan balance, as opposed to the $33,000 purchase with $28,000 financed and $4,500 charged to a credit card. Mrs. Gomez reaffirmed my suspicion of Mr. Gomez’s easygoing nature saying,

Leo is a very easygoing person. But I’m a teacher!” A common complaint we hear, “I don’t like being made a fool of.

We encourage member accounts of their timeshare experiences, good or bad. We hope consumers and the industry will listen to the voices of those who wish to be heard.

So there we have it, another “Nightmare on Timeshare Street”, this is probably one of the worst that we have yet come across, it makes you wonder if these sales agents and company directors have any moral bone in their bodies.

Stop press

Inside Timeshare received the following email from Wayne C Robinson, Author of Everything About Timeshares, Before, During and After the Sale. We asked him if we could publish and he was more than happy for us to do so, please share this on you facebook pages and other social media.

Timeshare Author Challenges Diamond Resorts CEO Flaskey to “Do The Right Thing.”

I am not sure how to react when Mike Flaskey, CEO of Diamond Resorts International, views my profile on LinkedIn.

But, whatever his reason, I would like to share a few words with him, now that I have his executive attention.

My purpose in writing the book is not to attack companies such as Diamond to gain something in my own corner. I am merely pointing out areas that I feel require your attention to improve on customer relations.

These areas have certainly been highlighted with the multi billion dollar lawsuits against Diamond Resorts, and the level of customer dissatisfaction from the people who befriended and trusted your OPCs, sales reps, and VLOs. Remember, your members are the people who provided you the privilege of representing a company that has so much potential.

Rather than spend millions of dollars hiring fancy lawyers to help improve on customer service, you hire them in an attempt to destroy a woman in her 70s who is spending the remainder of her life helping families get their lives back on track for the damage your company has allegedly caused.

Were you aware of 83 year old retired Marine Raymond Mori, a two time Purple Heart recipient who has been battling with Diamond Resorts with a serious heart condition?

Were you aware of Roy and Angele Simmons, a U.S. Navy veteran whose mortgage to your company is $2,700 monthly with Maintenance fees of $4,780, and their social security check goes to pay Diamond? Just in case you didn’t see it, here is their story. https://youtu.be/j_nca6lMA4U

Shame on you, Flaskey for focusing on how to keep afloat your ship while the likes of Marriott and Disney and other reputable resort chains are watching you.

I am asking you to “man up,” and be the leader that your company and the general public can respect and appreciate by “doing the right thing.”

Spend your money and time trying to improve your customer relations and presenting your company as something Americans can be proud of, or find somebody else who can do the job.

As far as viewing my profile, I appreciate your interest in me and my book project. I also viewed yours. Congratulations on getting the position. Now that the world is watching, what are you going to do with it?

Well that’s it for this week, remember if you have any questions or comments about any article, company or just need some sound advice, then use our contact page and we will get back to you.

Have a great weekend.

The Tuesday Slot

Welcome to The Tuesday Slot, we once again publish another “Nightmare on Timeshare Street” with the Rodriguez family. As Inside Timeshare is still on vacation there is not much to report from Europe, but this news was sent to us by Canarian Legal Alliance.

They began this week with 5 more sentences being issued at the Courts of First Instance in Maspalomas, with over 235,000€ being awarded and the contracts being declared null and void.

Four of the sentences involved our old friends in Gran Canaria, Anfi and there was one against Airtours, all were also sanctioned by the courts for illegal deposit taking within the cooling off period, which means the clients will receive double what they originally paid.

In another release from CLA, it looks like the team of lawyers who are responsible for enforcing payments are having great success. In three cases filed at court to enforce Anfi to payout they have secured the following amounts for their clients, this money is now with the courts ready to be transferred to the clients accounts:

46.130,66 €

28.391,60 €

14.186,18 €

So we have some very happy ex-timeshare owners and it is only the start of the week, now for our Tuesday Slot.

The Rodriguez Family Share their Marriott Timeshare Experience

September 18, 2018

There are many who use and enjoy their timeshare. When sold honestly, the consumer knows what they bought. Timeshares sell on the secondary market for a fraction of their purchase price, so when buyers are told the timeshare would be easy to sell – a rude awakening ensues when they learn the truth.

For those who purchase a timeshare that has a limited secondary market value, knowing what that value might be in advance of a purchase is a disclosure that would be beneficial for the consumer, but a disaster for the industry.

Magical Realty in Orlando specializes in Marriott Vacations Worldwide resales. I have advised the family to call Magical Realty to find out an estimate of how long it would take, and what it would cost, to sell a timeshare that was clearly not right for this family. Magical Realty charges nothing upfront to list a timeshare. We recommend avoiding companies that charge any money upfront to list or sell a timeshare. https://magicalrealty.com/

By the Rodriguez family

We bought two Marriott Vacations Worldwide timeshares in 2014, one in the Virgin Islands, and a second in 2015 in Addison, TX. Our intention was to spend quality family time together. Our actual experience has been one of anger and frustration over limited availability and false promises.

Our first 2014 St. Thomas timeshare presentation was stressful.  It dragged on for hours. I felt the sales reps played my wife against me. I said “no” the entire time, but eventually told my wife, “Fine, I know I have horrible credit, so let them run a credit check, I will be declined, and we will walk away.” I was recovering from a bad business deal at the time so my credit score was in the low 500s. My boat had been repossessed and my house was in foreclosure.  I was sure we would be turned down. Well, they said I passed with flying colors! With my wife there, I felt I had to go through with it. Bad mistake! I told Marriott we would sign up, but told them I will have to get the loan refinanced. They assured me that I would be able refinance, but I would need to wait until a year of payments had passed. When I talked to my bank, they told me I could NEVER refinance.

I complained to our rep. He suggested I attend a question and answer session in Addison, Texas. It wasn’t a question and answer session. It was another sales presentation. I could kill myself, but we signed up for a second purchase because of representative’s Benjamin J’s promises:

“We will make it right. You can have my direct phone number and I will make sure you are taken care of. I don’t make anything off of this sale. I am just here, dedicated to you so that you are happy with this experience.”

Benjamin was no help. We feel that man lied to us. He showed us charts that illustrated how the timeshare would appreciate in value. That’s not true. This presentation was also long and stressful. Benjamin said we would get extra points but we never did. He told us he would be our personal representative, promising to make reservations if we needed help, but he never returned calls.

Marriott locations have never been available – we tried to book Hawaii, Aruba, Florida, Orlando, San Diego, and New York. The properties are always booked, even if we tried booking a year in advance. We don’t even have good vacations to show for this miserable experience. Vail, Colorado for two summers in a row was about it, when we really wanted to go skiing in winter. Branson, Missouri we booked out of desperation, ending up vacationing at the senior citizens capital of America. St Kitts was absolutely the worst vacation we have ever taken – all rocks and no beach access. Our room was downgraded four times before we checked in. They never told us we could be “bumped” out of our reservation to a lesser room. We reserved an ocean front room, were downgraded to ocean view, then to pool view and by the time we checked in we were downgraded to a garden view.

The statements made by the Marriott representatives that led to this:  

  1.     They said it was a great investment,
  2.     The value would increase,
  3.     It had built in equity,
  4.     It would be a tax write off.
  5.     We could rent it out to cover annual fees.
  6.      Our maintenance fees would not increase every year,
  7.     We would have no trouble booking locations.

When we asked more about the rental income and the amount of appreciation, the reps said it would be easy to sell because of the income potential and appreciation, or Marriott would buy it back. So why don’t they buy it back?

They are correct we could pass the timeshare onto our children, but in no way would we want to burden our kids with this useless thing. When we contacted MVC about them buying it back, they told us we would be put on a waiting list, but that it’s unlikely it would be bought back.

I complained to the Better Business Bureau. Marriott’s response was not to address the behavior of their sales staff, but to refer me to our signatures and initials on the contract. I was told 90% of their customers are happy with their vacation choices and availability. Needless to say, my BBB complaint was administratively closed before any real dialog could take place. It’s funny that BBB assigns the company one star out of five, based on customer reviews.

https://www.bbb.org/us/fl/orlando/profile/vacation-timeshare/marriott-vacations-worldwide-0733-202116

This has literally been one of the worst experiences we have ever had in terms of deception and aggressive sales tactics that seem geared to wear you down while playing spouses against each other.

Have you had an experience like this, would you like to share with it with others, if so contact Inside Timeshare and we will help you to publish your own “Nightmare on Timeshare Street”.

Inside Timeshare will be running back to normal from Monday 1 October when we will be in full swing bringing you more information and revealing the latest bogus companies that come to our attention. In the meantime, if you have any contact with a company and you are unsure if they are genuine, please do use our contact sheet and let us know. We will research them for you and point you in the right direction. We will also publish the results to warn others, it is through your help that we can identify these people and save other from losing thousands.

Friday’s Letter from America

Welcome to this week’s Letter from America, today Irene Parker reviews a new book EVERYTHING ABOUT TIMESHARES by Wayne C. Robinson, incidentally Irene has written the forward, but first a very brief look at Europe.

It has been reported from one court in Tenerife that one Judge in Court No 5 has decided during a pretrial hearing that a case against Silverpoint does not need to go to a full trial. His reason is that he clearly sees the breaches of the timeshare laws in accordance with the 129 Supreme Court rulings which all lower courts must follow. He will be delivering his sentence in due course, this follows some Judges in Gran Canaria who were the first to do this. This will obviously speed up the process to the benefit of the clients.

Inside Timeshare has also been receiving many emails from timeshare owners on vacation in Tenerife, most of these are Silverpoint members, they have been approach at their resorts by Centaurus Mediations and Keys Concierge, who we have written about on many occasions.

In the meetings that they have been coerced into attending it is the same old story, Centaurus tell them they can get them out of their Silverpoint contracts and get them compensation, for fee that is. Keys Concierge offer the same but with a membership to their “Lifestyle” product, which offers “massive” discounts on holidays etc.

Both these companies are closely linked to Silverpoint, so we know what this is all about, Silverpoint are losing heavily in the courts, costing them hundreds of thousands of pounds for their illegal product and contracts. By getting the members to “cancel” these contracts it then stops them taking Silverpoint to court to have the contracts declared null and void plus get all their money back.

Do not fall for this, if you have a Silverpoint membership and would like to know if you do have a valid case, then contact Inside Timeshare, we will check this for you free of charge and then point you to the best solution.

Timeshare Crusader, Lisa Ann Schreier has asked Inside Timeshare to publish the following:

Lisa Ann Schreier has a media opportunity and is looking for timeshare owners who can assist. The first is for an owner who has not been able to get into their home resort despite trying to book months in advance, yet found rental opportunities available on non-owner websites. The second is for anyone who has purchased a DRI or other ‘sampler’ or trial package.

Now for this week’s Letter from America.

EVERYTHING ABOUT TIMESHARES

  

A Book by Wayne C. Robinson

Wayne was raised an army dependent on military bases in the United States and Europe. He graduated from the Munich American High School in Germany, and then continued his higher education at the Berklee College of Music and the University of North Texas.

Finally, in 1994, Wayne decided to follow his dreams of travel and people. He attended the International Tour Management Institute (ITMI) in San Francisco, California.

Wayne was also a United States Navy journalist. He is the author of The African American Travel Guide; How To Work in Vacation Hot Spots, Change Your Thoughts Change Your Destiny and Job Hunting Secrets They Don’t Tell Us About

His books are sold on more than 100 online bookstores.

https://everythingabouttimeshares.com/wayne-c-robinson-author/

By Irene Parker

September 14, 2018

In America, Democrats and Republicans may be a member of the same political party, but that does not mean all Democrats or all Republicans agree within their own party. Similarly, I may not agree with all points Wayne presents in his book, but we agree on the following points:

  1. Timeshares are sold by some agents deceptively,
  2. The oral representation clause has been overused and over abused,
  3. The buyer often makes a timeshare decision without adequate information,
  4. The consequences of making the wrong timeshare decision can be financially devastating,
  5. The buyer is almost always unaware of the limited to sometimes non-existent secondary market. Most timeshare contracts are perpetual.

There is little enforcement of timeshare regulations in some states without undeniable proof. Consequently, complaints that begin with, “The sales agent said,” are dismissed. In those states there is little to stop deceit and misrepresentations, short of public awareness. In other states volumes of complaints, illustrating a pattern of unfair and deceptive trade practices will warrant an investigation. As of September 10, Inside Timeshare has heard from 578 U.S. timeshare members.   

Charles Thomas and I are honored to be a part of Wayne’s book and we hope collectively to unveil the deception we believe has been allowed to flourish at some, but not all, timeshare companies. The press release for Everything About Timeshare, followed by Wayne’s timeshare tips.

PRESS RELEASE

FOR IMMEDIATE RELEASE

CONTACT INFO:

Wayne C. Robinson                                               

[email protected]

+016 17 411 9684 (Malaysia)

Book Promises Relief For Dissatisfied Timeshare Owners

Former Timeshare Exec Discloses “inside secrets” of the Timeshare Industry

Las Vegas, NV—Date — EVERYTHING ABOUT TIMESHARES: Before, During and After the Sale, authored by a former timeshare executive, might be the relief that thousands of timeshare owners have been seeking. The book shares “industry secrets” that consumers might want to know about and includes much needed exit strategies.   

Author Wayne C. Robinson believes that the book provides a level playing field for consumers before they attend a sales presentation. He claims that he doesn’t discourage consumers from buying a timeshare, but suggests that they research the company and the product before signing a long term contract that may have little to no secondary market.

Timeshare companies have always been very savvy when it comes to marketing – baiting consumers with free vacations, discounts on excursions and even cash to get them to attend a sales presentation. Unless consumers know exactly what they’re doing, the sales teams are professionally trained to execute powerful strategies to make the sale the same day, regardless.”  

Robinson has worked for some of the most popular resorts in the U.S., Canada, Mexico and the Caribbean, including The Holiday Inn Club Vacations, Wyndham, The Manhattan Club, Royal Resorts, and more. He states that there are industry secrets consumers are not supposed to know about, but will be included in his book.  

If consumers knew what really goes on behind the closed doors of the timeshare industry, most would definitely not buy. I am concerned about the plethora of timeshare owners who are frustrated and not sure where to turn. Either the company did not deliver what was promised, or the member can no longer afford the debt.”

Robinson has recently partnered with timeshare advocate, Irene Parker and EU based Charles Thomas, who authors a blog, Inside Timeshare, to educate consumers and timeshare owners to make informed decisions before they buy, sell or otherwise dispose of their unwanted timeshares. Robinson says that Inside Timeshare attracts timeshare members, attorneys, journalists, other timeshare advocates, and especially timeshare owners who feel that they have nowhere to turn.    

The book highlights a variety of relevant topics such as how to get rid of an unwanted timeshare, why he feels that the points system is the worst investment for consumers, and how to get the best usage out of any timeshare. Additionally, it discloses the entire sales and marketing strategies that timeshare resorts use that consumers need to be cautious of.

As a former timeshare executive, I believe that most sales people may be unaware of the damage that they have caused many families long after the sale.  Most seem more concerned about the money they make from each sale rather than the service after the sale.”

Robinson has worked for several resorts that expected him to lie during sales presentations, and this was something that he was blackballed and fired for.

He admits that the book is not for revenge against any of the resorts, but wants to provide consumers with the facts they need to make the right decisions whether they want to buy, sell or get rid of their timeshare.

Contents of the book would be of interest to many timeshare owners who are frustrated between what they were told during sales presentations and their actual experiences.

I recommend that consumers, particularly minorities and seniors, a major target for the U.S. industry, make sure that everything that is stated in the sales presentation is in writing, or don’t buy.”

Robinson says that he has noticed a significant change in the timeshare industry that he feels is not in the best interest of the consumer. One change that he has noticed is the increased pressure to convert deeded weeks to a point system. He believes that this is the worst-case scenario for the consumer and was only designed for the best interest of the developer. He says that the flexibility is merely a perception at a high cost and can be a financial sink hole for the consumer.

Another change he has noticed are the plethora of travel club memberships where owners purchase nothing but air.  Many of these travel clubs, according to Robinson, are using hiding behind brand name resort chains.

“Owners must understand how the business works.  Many of the companies don’t even own resorts. They simply rent out rooms from brand name resorts and list them into the exchange directories. This is misleading as the member perceives that brand name resorts are dedicated to timeshare when they are not.”

EVERYTHING ABOUT TIMESHARES: Before, During and After The Sale is available on Amazon.com, or at the author’s website: www.everythingabouttimeshares

Everything About Timeshares: Before, During and After The Sale

Here are some questions and quick tips consumers want to consider.

  • What is my purpose for purchasing?
  • Do I want to be responsible for yearly dues and related fees?
  • Do I understand there may be little to no secondary market?
  • Am I better off renting someone else’s timeshare?
  • What are the closing costs involved in the sale and who pays them?
  • Are there complaints about the resort by current or past owners?
  • Can I get the timeshare for a lesser price than advertised?  
  • Why is the owner really selling the timeshare?

COMING SOON

For now, get a FREE copy of my report, 13 Shocking Secrets The Timeshare Industry Does Not Want Yo To Know.

Read Our Posts

Thank you Irene and Wayne, we also look forward to contributions in the future from Wayne.

If you have been contacted by any company or fund one on the internet and want to know if they are genuine or will actually do what they say, then use our contact page and we will point you in the right direction.

Do you have story to tell about any “Nightmare on Timeshare Street” which you would like to share with others, Inside Timeshare would love to hear from you.

So that’s it for this week, have a good weekend and if you attend any presentation or update, remember stay strong and focused, do not give in to the slick sales patter and keep your hard earned money safe.

The Tuesday Slot

My Experience with a Timeshare and a Timeshare Exit Company

Another Veteran Foreclosed

September 11, 2018

Inside Timeshare has heard from 73 US veterans and active duty service members and law enforcement alleging unfair and deceptive timeshare business practices. Today is September 11, a day we remember the Twin Towers, a day that shook the world. Like George Yamada, our newest veteran contributor, first responders have suffered health effects as a result of their service for freedom.

Mr. Yamada explains today how he had invested over $100,000 in a timeshare, losing about $50,000, forced to default on the balance. As he illustrates, the amount of money lost to timeshare exit companies often pales in comparison to the amount lost buying a timeshare for the wrong reasons.

Inside Timeshare has received many complaints from members in the U.S. and the E. U. who feel they were scammed by an exit company promising their money back if they are not released from their timeshare, only to learn the promise fell short.  Not all exit companies are a scam, but we consider any company not living up to their money back guarantee, to be in violation of Section 5 of the Federal Trade Commission code, “Unfair and Deceptive Trade practices.”

Read the guarantee you sign off on carefully, three words like “or in process” can made a big difference. The guarantee from the timeshare exit company’s website:

All Paid in Full Timeshare Cancellations are Guaranteed to be Transferred or In Process within ONE YEAR or Your Money Back!*

* All Paid in Full timeshares are guaranteed to be transferred or in process within the one year after you, the client, give us your file documents, or you will receive your money back.

Although George’s timeshare was not paid in full, he is adamant the company provided him this guarantee, even with his outstanding loan. Furthermore, the timeshare company issued George a notice of default. A default is not a transfer.  

By George Yamada

September 11, 2018

My wife Dawn and I are engaged in a battle we never expected. I am 71 years old, a Vietnam Army veteran, 70% disabled from Agent Orange. Veterans exposed to Agent Orange experience diabetes, kidney disease and other health risks. https://www.publichealth.va.gov/exposures/agentorange/conditions/index.asp

I administer pension plans. I can’t imagine any company in our portfolio treating their clients the way my wife and I have been treated.  

We purchased 41,500 Diamond US Collection points for over $100,000 as an investment. After learning the points are virtually worthless, I contacted a timeshare exit company December 2017 and paid them $6,000 to get out of the contract. The estimated turnaround time was expected to be four to six months. In April of 2018 I was told Diamond is overloaded with members wanting to get out of contracts, so it could take a year.

Summary of my purchases

In 2015 at Ka’anapali we bought a trial package for $1.93 per point.

In 2016 in Florida we purchased 6,500 points for $19,055 or $2.93 per points.

The third purchase was August 2017 by phone from Washington State. A lady called and said they could offer me a great deal. She said Diamond points are an investment for the future. They sold us on the discounted value compared to the current price. She said they could not offer the price we paid before because the price per point had gone up. Having bought at $1.93, this sounded like an excellent investment. We purchased 8,500 points for $28,560 or $3.36 per point.   

The fourth purchase was October 10, 2017. We met Juaquin B in Florida. Juaquin wrote $3.49 on a sheet of paper and then showed us the current price at $9 per point.  He would not give us the paper. He said that the points we had purchased had gone up so we could not purchase at the previous price. Juaquin told us this is the best investment we could buy because of Apollo. Apollo Global Management had acquired Diamond Resorts. As a pension administrator, I knew Apollo was a venture capital company. Juaquin said the more points we bought, the better our value. The sales presentation lasted six hours, and I am diabetic.

We purchased 20,000 points totaling 41,500 points for $58,000 or $2.90 per point.

Juaquin said our two prior loans would be consolidated so the new monthly payment would be $774. This didn’t happen. We ended up with payments of $500 a month plus $700 a month so over $1200 a month which is impossible for us.  

The maintenance fees for the points purchased Juaquin wrote down as $3,300, but since the loan was not consolidated, the maintenance fees were about $8,700. This was a sizeable percentage of our net income. After our expenses we were left with only $1400 per month for food and all other living expenses.

When I tried to contact Juaquin, he said he was extremely busy but would contact us. I called and texted him about 12 to 15 times with no response. When he finally contacted me, he told me to send my hotel and rental car bills to him and he would reimburse us. I have the email from when I sent him the bills. Juaquin had previously explained that I could use points just like money. He said my points are worth $3 per point. Juaquin said, “You could buy a gallon of milk with your points.” I never heard from him after forwarding him our bills.

Joaquin told us repeatedly we could sell Diamond points back to Diamond. When I called Joaquin to ask how to redeem points, he said he would walk me through the process, but would have to get back to me. I did not hear back, so I called Diamond financial services November 2017. I said I would sell points back to them for what I had paid. They said Diamond does not buy back points.  At my age, I would have never purchased $58,000 worth of additional vacation points if I knew there were so few buyers. We had only used the timeshare a couple of times. I disputed this transaction with my credit card companies. I had not qualified for their Barclaycard. Both cards gave us our money back.  

The company said in a press release that they promise transparency and accountability. They boast of a PROMISE that memorializes a series of operational procedures and enhancements in a single document. From their press release:

Transparency

  • We will provide clear, concise and consistent information at our presentations so that you can easily decide whether committing to vacation is the right decision for you and your family.
  • We seek to articulate the benefits of membership so you understand:
  • How to use your points for other travel arrangements, such as airfare, or (for our Platinum members only) how to apply them to maintenance fees.

It has now been well over a year since I signed with the timeshare exit company. I reached out to Inside Timeshare May of 2018. After explaining that I bought the points as an investment, I was advised to file a complaint with the Securities and Exchange Commission, because timeshare points are not a security and should not be sold as an investment.  Considering my background as a pension administrator, I should know if what had been described to me sounded like an investment.

I filed a complaint with the SEC June 3, 2018. Shortly after, I received a response from a SEC attorney. I contacted the timeshare exit company on July 18, 2018. The attorney I spoke with told me that they had received a Notice of Default-Revocation of Note dated June 13, 2018. It had been addressed to me but sent to the timeshare exit company. I asked the attorney why I had not been notified or sent a copy of the letter! He had no explanation. I asked for a refund or partial refund and of course the answer was no. I asked him why. He told me it was because Diamond could come back to them for any reason. Their guarantee was for a transfer, not a default!  

You don’t have to pay anyone to get defaulted!

EVENTUALLY, SOME LAWMAKER OR REGULATOR HAS TO WAKE UP TO THE HARM TIMESHARE IS DOING TO FAMLIES, SENIORS, and VETERANS.

Thank you to George Yamada for his service to America, for freedom and for sharing his experience. Contact Inside Timeshare if you have a timeshare experience to share. We publish all experiences, good or bad. The views expressed in member submitted articles are their description of their timeshare experience. The one true fact we know, is that the families contacting us often say that they are financially devastated by their decision to purchase a timeshare. Sold and bought for the right reasons, a timeshare can be of great benefit to a family.

Follow the link below for the article published in OpEdNews:

https://www.opednews.com/articles/Let-s-Honor-our-Veterans–by-Irene-Parker-Fraud-180908-59.html

 

Start the Week

Welcome to the start of another week in the world of timeshare, tomorrow is 9/11 and we shall be publishing another “Nightmare on Timeshare Street” from Veteran George Yamada. He will be sharing his experiences at the hands of his timeshare company and also with a timeshare exit company, so join us tomorrow on The Tuesday Slot.

Veteran George Yamada

Last week was the first full week the courts were open after the August break and what a week it was for the lawyers at Canarian Legal Alliance. The courts issued 12 sentences from previous trials, the first 7 involved Silverpoint, with the Tenerife Courts declaring all contracts null and void along with ordering Silverpoint to repay a massive £536,118.00 a very costly week for Silverpoint.

In Gran Canaria, the Courts of First Instance issued sentences against Anfi Del Mar, 5 in total, once again the contracts have been declared null and void. The amount that Anfi have been ordered to repay clients totals £175,442.00 so in total CLA have secured over £771,086.00 could we be seeing the million pound mark in one week being reached soon?

As well as the sentences, CLA reported many pre-trials had also taken place in various courts around Spain, so it does look as though this is going to be a very busy few months.

Some of the many CLA Lwyers

On the subject of Silverpoint, we have been receiving many emails over the past few days from owners of Silverpoint and Azure in Malta, who have been cold called and offered accommodation at Hollywood Mirage, The company being Centaurus Mediations, a company that we know is linked to Silverpoint, (see link below for previous article).

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

All readers have the same story, for a substantial payment of around £9,000 (average taken from all readers) with at least £1,500+ taken as a deposit on the day, Centaurus will cancel your contract with Silverpoint. There has been no mention of any compensation, well we know even if there was, none would be forthcoming.

What a joke this is, first you have been sold illegal contract by Silverpoint, this is borne out by the hundreds of court cases that have been filed against them, 7 reported above, now a company set up by Silverpoint is attempting to take even more money from you to cancel their own contracts!

Well we do know the reasoning behind this don’t we, once the contract has been terminated, then they are safe from being taken to court by you!

If you have a Silverpoint timeshare purchased in Spain and want to know how to get it declared null and void (not cancelled) along with all the money you have paid, then contact Inside Timeshare and we will point you in the right direction.

Another of our US colleagues Lisa Ann Schreier, also known as The Timeshare Crusader, has asked that we publish the following link to a webinar she is co-hosting later this month.

https://www.eventbrite.com/e/timeshare-crusader-ficlub-present-wont-get-fooled-again-repair-dont-repeat-your-mistakes-tickets-49253974965

This is entitled “Don’t get fooled again – repair don’t repeat your mistakes”.

The webinar is being arranged jointly by Lisa and Fi Club, it should prove valuable to our many US readers, obviously any European readers are also invited to attend.

Lisa Ann Schreier The Timeshare Crusader

Inside Timeshare will bring you an update from Lisa once this has taken place.

Well that’s it for today, I am on Vacation in sunny Malta enjoying the wonderful history that Mediterranean Island has to offer, do join us tomorrow for our Tuesday Slot.

Friday’s Letter from America

Welcome to this weeks Letter from America by Irene Parker, who has submitted her name for election to the Diamond Resorts US Collection HOA board. As you all know Irene is a very tenacious campaigner for timeshare members and consumers rights, so for those who have vote, Inside Timeshare urges you to cast them for her.

Back in March 2016 Inside Timeshare published the following article on how resorts and resort owners manipulate the votes to suit themselves.

http://insidetimeshare.com/manipulation-votes-resorts-resort-owners/

Before we go to Irene’s article a quick update on news from the Spanish courts who returned to full swing this week and Canarian Legal Alliance sent us this review of sentences issued this week.

In the High Courts in Tenerife there have been FIVE issued against Silverpoint, a company that still denies that their contracts are illegal

There was ONE in the High Court against the Gran Canarian Resort ANFI DEL MAR, with SIX issued in the Courts of First Instance , again another company that insists it is not losing in the courts.

A total of 11 victories with a combined value of 371,882.14 € going back to their clients.

They have also had the courts enforce a cash embargo on Silverpoint in order to secure the funds for their clients. This in itself ensures that the funds cannot be diverted.

CLA have also informed us that they have already lodged 54 new cases with various courts all over Spain just as the courts reopened, so we can expect more news on that front in the future. Now for this weeks article.

My Diamond Resorts Campaign for the U.S Collection HOA Board

By Irene Parker

September 7 2018

Chantal DesjardinesDiamond Embarc/Intrawest June 2018 election results:

Five times more members voting for Chantal than closest rival places her in third place due to weighed voting.

James Orr (incumbent)    421

Robert Reyes                       361

Chantal Desjardines           2293

http://insidetimeshare.com/the-tuesday-slot-with-irene-10/

A timeshare member thinking they can actually win an HOA election is preposterous, but if throwing my name in the ring can shed some light on the plight of over 500 angry Diamond members, many saying they are financially devastated by their decision to buy Diamond points, I will suffer the humiliation of loss. When attorney friends suggested I submit my name to the list of candidates for Diamond Resorts U.S. Collection HOA board, I laughed. They didn’t.

Our member sponsored Diamond Resorts Owners Advocacy Group Facebook has over 1800 members, less industry observers, trying to understand what happened to them and why.  

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

As of September 2nd, 509 Diamond members have contacted Charles Thomas or me, all but a handful alleging unfair and deceptive trade practices. Retired Air Force Lieutenant Barry Gingrich did not contact us, but his YouTube below accurately summarizes the mantra of complaints reported by members who feel they were subjected to unfair and deceptive trade practices.

https://www.youtube.com/watch?v=Rjcgw0dAIKk&feature=youtu.be

Lt. Gingrich’s grievances:

  • Hours long tag-team, high pressure, aggressive sales presentations,
  • Told the last sales agent sold you the wrong package,  
  • Told the timeshare is a good investment, will appreciate in value,
  • Failure to address the lack of a secondary market,
  • Poor availability,
  • Sales agent will be your personal representative, but they never call back,
  • Use of a credit card will offset maintenance fees (many members complain of being able to pay maintenance fees at $.20 or $.30 per point, but when a complaint is filed, the response back is the actual 20/20 or 30/30 program that has nothing to do with paying maintenance fees at $.20 or $.30 per point).

Sales agents defend themselves by saying members lie. The typical response from some timeshare companies to customer complaints is, “You signed a contract,” echoed by the Nevada Real Estate Division and Florida’s Department of Business and Professional Regulation. When one member asked a Florida DBPR supervisor, why other states take timeshare complaints seriously based on member complaints, the response was that what other states do has no bearing on how Florida reviews timeshare complaints.

We actually liked our Diamond points until we experienced a bait and switch, easily proved. In our case, we purchased additional points in Williamsburg, VA, told Diamond was adding New York properties. We purchased for just that reason because our daughter lives in NYC. If you check Diamond’s booking site, it would take about $8,500 worth of maintenance fee equivalent dollars to stay one week at the same hotel that could be booked online for $950, checking year round. When I asked a Diamond representative about the poor value, the response was, “That’s for members who have so many points they don’t know what to do with them all.”

I filed a complaint filed with the New York Attorney General’s office that resulted in an offer to refund the purchase, but I refused after reading the non-disclosure agreement. It seemed harsh and unwarranted. Had I not been required to sign an NDA, I would have written it off as maybe the sales agent didn’t know about the poor value. I’m not saying Diamond does not have a product or that there are not Diamond sales agents selling the product honestly. The complaints directed against Diamond are not unique to Diamond. There are many lawsuits and Attorneys General investigations and settlements, not to mention thriving timeshare exit scams.

Rather than address member complaints, the goal is to behead the messenger.  

As a result of what I consider to be retaliation, for listening and responding to readers, my husband and I attended the Whistleblower’s Summit in Washington D.C. held in July of this year. The summit slogan was:

Speak Truth to Power       

 For full disclosure, my legal name is Peggy Irene Steckert.

Twice my husband and I exchanged a timeshare and ended up buying a house at our exchange location. One of our kids now asks us if we are coming back when we let her know we are going on vacation. We exchanged a week in 2001 and bought a house in Petoskey, Michigan. While on vacation, I ended up getting hired as a Director of Music for a church in Petoskey. Given the conservative nature of the church, I thought it best to use my husband’s last name of Parker. As a result, I became Peggy Parker of Petoskey, who played the pipe organ for weddings, 25 a summer. I got tired of reading it in the paper, the reporter apologizing.

Next, we exchanged a timeshare for Diamond Caverns (no relation to Diamond Resorts) and bought a house in Bowling Green, Kentucky. I ditched Peggy and switched to Irene. Given my bio describes how I opened the first Edward Jones office on the Big Island of Hawaii, I wanted to explain my name changes in case anyone, like Edward Jones, actually looks into who opened the first Edward Jones office on the Big Island of Hawaii.     

Ironically, I built my brokerage business cold calling real estate agents and timeshare sales agents. At one of my timeshare sales agent presentations at Hanalei Bay, Kauai, when I asked if there were any questions, one sales agent raised his hand and asked, “So we’re the units?” They made a ton of money, especially if they spoke Japanese.

The American Funds mutual fund company informed me in 2001 that I was the top American Funds producer for the entire west coast and Hawaii, among all brokerage firms. I also taught classes for the Small Business Administration’s Small Business Development Centers, University of Hawaii, Kona, Hilo and Maui campuses, teaching small business owners how to understand financial statements and make use of financial ratios. I team taught with a CPA classes on business structures. I gave endless seminars at Tutu’s House, which means grandmother in Hawaiian.

Fast forward to 2018 – after developing all those client relationships and great friendships with timeshare sales agents in Hawaii, it pains me to continually hear complaints directed against sales agents. Diamond Resorts considers me an enemy, not the sales agents with multiple, similar complaints.

I guess that’s not much of a campaign speech, but it doesn’t matter anyway. You can’t win.    

RECOGNITION

http://archives.starbulletin.com/2001/06/10/business/bizbriefs.html

>> Edward Jones investment representative Peggy Steckert has been named to the President’s Club of The American Funds Group. Steckert, who works out of the company’s Kaimuki office, was honored for superior service to customers and dedication to principles of sound investing. A 15-year veteran in the financial services field, she has been with Edward Jones since 1995.

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

 

Thank you Irene and we all wish you the very best in your election campaign. Well that’s all from me as I’m now on vacation, so there will not be many articles published until October, although The Tuesday slot and Friday’s Letter will go ahead as usual. If any important information arises then I try to get it published.

Have a good weekend.

The Tuesday Slot

Welcome to The Tuesday Slot, this week another new contributor Reba Brannon, in her article she explains the hardships created by perpetual timeshare contracts which are affecting many elderly owners.

This is not just a problem in the US, it is also a problem in Europe, what we call perpetuity contracts and the difficulties in getting out is a common theme from those who contact Inside Timeshare. It is also the main reason there are so many companies who promise the earth but never deliver.

Again it is a fraud which has been created by the resorts and developers with their unwillingness to allow people to end their timeshare contracts, all for the sake of continuing to receive maintenance fees. Scam companies, many set up by ex sales agents have been a thorn in the side of timeshare owners for years, they started with resale but have now moved on to cancellations and claims.

Spain, which has been the main center of timeshare scams has finally clamped down on timeshare companies and is also very active in the fight against fraudulent resale, cancellation and claims companies. Many of the latter have now started to register in the UK where they are using the UK registered company pitch to lure in the unsuspecting.

On the point of perpetuity contracts, Spain enacted Law 42/98 in January 1999, in this law it is illegal to sell any timeshare for a period of more than 50 years. All contracts must be a minimum of 3 years and a maximum of 50 years, which means that timeshare contracts can have a duration anywhere in between. So theoretically the length can be dependent on the age of the purchaser, so if a consumer purchases when they are 50 the contract can be tailored to say 25 years, giving them ownership until they are 75. It is now a matter of time before all timeshares in Europe will abolish perpetuity.

Now on with Reda’s article.

Americano Beach Resort

The hardship created by Perpetual Timeshare Contracts

By Reba Brannon, an Americano Owner

September 4, 2018

Senior citizens, who purchased timeshares decades ago, often dealing with health obstacles, must now face aggressive timeshare sales agents demanding more money to get rid of what was originally sold to us as an asset. In our 60s, the last thing we need is to spend more money on a vacation plan when we no longer want the one we owned for over 20 years.

My husband Donald and I are both 63. We purchased our Americano timeshare in 1993. The travel package the management company offered us, to allow us out of the timeshare, sounded confusing and convoluted. After so many of us paid maintenance fees faithfully for so long, we now brace for foreclosure. Our timeshare we used and loved for so many years has become a nightmare for many. One member reported there have been about 150 timeshare weeks deeded back to Americano since June 1.   

The Americano remains closed after hurricanes Matthew and Irma. It is the only Daytona resort still closed. Americano’s management company, ARC, held a Homeowner’s meeting August 20, 2018. Something is very wrong when a timeshare company won’t post the location of their meeting in fear of owners attending. Though ARC noted the date of the meeting months ago, it wasn’t until about five or six days prior that owners were told WHERE it was.  When asked the location, their response was that they would “comply with Florida Statute and notify the owners of the location no less than 48 hours before the meeting.” This may seem minor, but it makes an owner feel that this was done deliberately to discourage attendance. Few attended.

We feel we were deceived into paying 2018 maintenance fees as we were told we would be guaranteed a week at one of their other properties, but after we paid the 2018 fee, they said we could not use our week. Our special assessment was $1,800. Due to the uncertainty, we have not paid it. I think ARC just announced at the August meeting that once maintenance fees for this year are sent out, if you pay them, the payment will go instead toward the special assessment instead of maintenance fees.

Our deeded week was on the ninth and top floor. We loved being on the 9th floor as the view is AWESOME. According to ARC, timeshare owners will not be located above the 6th floor. The top floors are to be reserved for “owned” condos.

If loyal Americano owners, who have faithfully paid their maintenance fees for decades, are short changed at every opportunity, why not just let us go. When we bought the Americano we could get discounted rates for rooms–we had BONUS TIME in addition to our deeded week. The Bonus Time appears to have been taken away.

When we attended update meetings, we found ourselves being pressured into buying (converting) to points, a vacation club package or a second unit. They told us if we didn’t do one of these options then we wouldn’t be able to use our unit. ARC wanted the same price to upgrade as we paid for the unit when we originally bought it in 1993.

After ARC took over in 2016, every year we would deposit our week for the next year before we left the Americano, because when you call to make a reservation no one answered the phone or we were told there was nothing available. However, Americano had rooms available online thru Expedia, and other online booking sites. I always found availability when I went online. Sometimes we just showed up after being told nothing was available only to find when we arrived there were plenty of rooms. Imagine that!! We could book the Americano only because we could find availability online.  

We attended the Board meeting March 2018. There were 300-400 owners in attendance. The meeting was angry and chaotic. There was an armed deputy. Owners against the special assessment attempted to voice their opinions without success. In our opinion, the two board members in attendance didn’t seem to address the questions that were asked.

I can’t speak for all members, but if we knew exactly what is going on—we would consider paying the assessment, but we refuse to pay ARC anything else after losing our 2018 week we paid for. In addition, there is the uncertainty of future assessments, the constant demand to pay more money for confusing and unproven vacation plans, and the prevalent anti-owner sentiment.  

We stopped by the Americano early August and spoke with Brad, the acting General Manager. We asked Brad questions –he couldn’t or wouldn’t answer. Brad acted as if he didn’t know any more than we did. Brad is very much a part of ARC management. He was the backup security guard at the March meeting.

Our questions,

  • When will the Americano open?
  • Who can we talk to about paying the 2018 maintenance fees told we could book a vacation?
  • How bad is the mold?

Many of us are seniors. Why does ARC not just take back these units if they seem to be trying to get rid of us anyway? Just sell points to new buyers. We all bought so long ago, we would be happy to just give it back, rather than finding ourselves ransomed by high pressure sales.

ARC’s latest threat is FORECLOSURE.  After being loyal owners for so long, offer a deed-back over a demoralizing foreclosure. Move on with your new plan.

It’s a sad situation–we were planning on using our unit more often in retirement. We have a lot of money and memories in the Americano. Timeshare today seems one sided. The developer can change any benefit at any time for any reason. With the ease of booking online and Airbnb, I wonder if timeshare could even exist without aggressive sales.

Related article: http://www.americanobeach.com/

Thank you Reba, let us all hope that the timeshare companies in the US take note and reform, if not then the only other option is to legislate on a Federal level and give all consumers the protection they deserve.

Over the next few weeks Inside Timeshare will be on vacation, we will be publishing the Tuesday Slot and Friday’s Letter from America and hope to publish any important information during the week. This will depend on the internet connections available.

 

Start the Week: Major International Fraud Smashed

We start this week with a report from La Provincia, a Spanish newspaper published on the 25 August 2018. It reports on Operation Bankog by the Judicial Police of the Guardia Civil based out of Puerto Rico in the municipality of Mogan, Gran Canaria, they have broken an international ring which was dedicated to defraud foreign nationals.

The organisation was based in the Balearic Islands and Malaga, with five people being arrested, two spanish citizens, one Austrian one British and one German, with the seizure of twenty bank accounts which recovered more than 15,000 euros.

The members of the organisation represented themselves as Spanish Justice Administration officials, receiving payments into Spanish bank accounts for payments and public taxes in respect of a bankrupt timeshare located in Austria. These took place between 2014 and 2015, and involved around twenty members of the organisation from seven different countries.

During the initial stages, a complaint was verified which proved that victims had transferred around 20,000 euros into Spanish bank accounts. These accounts were located in Palma de mallorca and Malaga, with the Guardia Civil reporting that many of the account holders were foreign nationals with criminal records some having outstanding warrants from their home countries.

The Guardia Civil is also investigating the forging of official documents which were used to perpetrate the fraud. The case has been submitted to the relevant courts with the investigation continuing and further arrests have not been ruled out.

According to the Guardia Civil the investigation has take three years due to the complexity of the organisations infrastructure, the number of nationalities involved and the many bank accounts. They believe that the amount could be well in excess of half a million euros. It also involved the collaboration of various Interpol offices around Europe.

Inside Timeshare received information from a reliable source that the investigation was initiated by denuncias issued to the Guardia Civil in Mogan,  by Canarian Legal Alliance on behalf of many of their clients.

As more information comes to light Inside Timeshare will bring you the news.

Click on the link below to see the original article, if using google the page can then be translated by right clicking on the article and selecting Translate from the menu.

https://www.laprovincia.es/sucesos/2018/08/25/guardia-civil-mogan-neutraliza-organizacion/1091317.html

The summer holidays are now at an end, so we issue our usual warning on doing your homework before dealing with any company that contacts you out of the blue, or even one you have found yourself on the internet. With maintenance fee bills about to be issued, the many scam companies will be in full swing to get your hard earned money. These will come in many guises, from resale scams, claims and cancellations, before doing any business, check, check and check again.

If you are unsure about any company and require help in find out about them, use our contact page and we will point you in the right direction. Inside Timeshare would also ask you to send any information about these companies to us, that way we can inform others of what is happening.

Friday’s Letter from America

Welcome to the last Friday’s letter from America for August, this week Irene Parker reviews the similarities between victims of the Catholic Church and Timeshare victims, it looks at how speaking up can make a difference. But first a couple of items from Europe.

Another company offering discounted travel has come to our attention, Advantage Group British Travel SL, according to Spanish company records the registered address is:

C/ LA GAVIOTA 14 – APARTAMENTO 1-19, LOS ABRIGOS (GRANADILLA DE ABONA)

This address is actually an apartment block, no sign of any office in the street.

Telephone number (34) 922 456 773

The company was registered on 24 October 2016 with the administrator being one Victoria Hughes and the secretary one Caroline Elizabeth Docker.

It appears that they use OPC’s on the street with the ubiquitous scratch cards to lure holiday makers into a presentation. This will involve several hours of high pressure sales to get you to part with a significant amount of money for a membership to another dubious “discount holiday club”.

You will then get access to the following website

www.toptraveleurope.net

This can only be accessed once you have joined and received your code and membership, there is also a £75 a year administration fee.

Now the name of this company reminded us of another several years ago called British Travel based at the Centro Comercial Fañabe Plaza, which is also the base for Monster Travel, Sell My Timeshare and other Mark Rowe enterprises.

The director of British Travel was Paul Hughes, which was also a “discount holiday club”, but was pitched as a travel agency, where you could get discount from 25% to 80%. Obviously Victoria Hughes is more than likely his wife and is now the  front for this company, we also know that Caroline is linked to paul as they are facebook friends.

So beware the ticket touts and the offers of great discounts!

We have also been informed by one of our regular readers who had dealings with the fake law firm in tenerife, Legalidad Abogados, part of the Litigious Abogados family, of another email being received about his court case against Diamond.

This has caused us a great deal of hilarity, the case was supposedly heard on 24 July 2018 and the director of Diamond Resorts International pleaded guilty, just like all the timeshare directors in these cases from this fake outfit. You will never believe who they named as the director, MARK ROWE!

Well we all know that Mark Rowe is not a director at Diamond, he runs his own little empire featuring Monster Credits, Rewards and Travel, Hollywood Marketing and off course ABC Lawyers to name but a few.

So if you are reading this Mark, congratulations on your employment at Diamond and what a shame you ended up in court!

Now for today’s article.

Timeshare Predators compared to Catholic Predators

By Irene Parker

August 31, 2018

There are many good Catholic priests, sisters and nuns, especially Benedictine Sister Joan Chittister of Erie, Pennsylvania, speaking out on what has been the pervasive Catholic culture of institutional cover-up.

Sister explains,   

Pedophilia, the abuse of children, has finally unmasked for all to see the operational principles of an organization that has been able for years to ignore, reject– even disdain–the cries of multiple other groups of the ignored and abused.

It is clear now, in ways it was never clear before, how much damage is done to the church itself, ironically, by the kind of silence that makes it impossible for the church to admit its weaknesses, to deal with its questions. . http://www.joanchittister.org/

Something clicks inside a victim when they have had enough. Some timeshare companies employ the same tactics as the church. As timeshare members alleging fraud read through this, they will have no trouble seeing similarities. I advocate on behalf of timeshare members alleging fraud, alongside 44 Timeshare Advocacy Group™ advocates.

The Catholic scandal ultimately led me to timeshare advocacy. Turning anger over child abuse outward led me to CASA, Court Appointed Special Advocates for children in foster care, where I learned how to write court reports for Family Court. When timeshare members contact me, their complaints are often confusing and lengthy. I listen to their allegations, transcribe, and return to them their complaint in court report format. Other advocates answer questions that come up when members need to file regulatory complaints

A life’s journey can take many twists and turns. My life changed dramatically after a trip to Peshawbestown, Michigan to meet with tribal spiritual director and peacemaker Paul Raphael of the Grand Traverse Band of Ottawa and Chippewa Indians. Peacemaker Paul was one of nine male children who attended the Holy Childhood School of Jesus in Michigan where Indian boys were sexually abused by three School Sisters of Notre Dame nuns in the 1960s and ‘70s. I contacted him after reading a four part article about the abuse. By part four I was livid.

Unholy Childhood, June 29, 2008

https://www.northernexpress.com/news/feature/article-3760-unholy-childhood/

Grand Rapids Michigan investigative reporters met with Sister Laura Jean Spaeth of the School Sisters of Notre Dame in Milwaukee. Sister Spaeth was skeptical about the credibility so the reporters interviewed a total of 80 former students to verify the abuse.

“My answer was if it was just one person, that would be a legitimate argument — but we interviewed 80 people and we heard a consistently recurring story,” Golder said. “And it was troubling to me that the leaders of the order, sought to dismiss what we were saying based on the other problems in their lives,…but it was clear to me, as people told the same stories over and over, that it established a pattern that was factual.”

In 2008 I was practicing for a pipe organ exam at the cathedral for an American Guild of Organists exam. Patrick Cooney was Bishop then. Stunned after speaking with Peacemaker Paul, I wrote Bishop Cooney a letter asking if I could arrange a meeting. Peacemaker Paul resisted saying, “How will that help us?” I said it wouldn’t but it would help the Bishop because he cares and hearing directly from Peacemaker Paul could possibly help Bishop Cooney stop a potential abuser.  

Wounded Souls July 8, 2008

https://www.northernexpress.com/news/feature/article-3251-wounded-souls/

“There have been up to 400 reports nationally of sex abuse by nuns,” said David Clohessy, former national director and spokesman for SNAP, Survivors Network of those Abused by Priests. “The laws are written in Michigan to protect perpetrators and those who are doing the cover-ups. There have been efforts in the Michigan legislature over the past five years to get those laws changed, to be more victim-friendly, but in each case the bishops and the bishop’s conference spent a lot of resources to get those laws defeated,” Clohessy said. https://en.wikipedia.org/wiki/David_Clohessy

After experiencing a timeshare bait and switch, I wrote to ARDA, The American Resort Development Association, explaining my concerns. I thought they would be grateful someone brought criminal actions to their attention. I did not hear from ARDA except for an auto-reply. Approximately 200 allegations of fraud have been sent to ARDA over two years – and no response. ARDA does not mediate disputes, but they have a code of ethics that is being violated, based on member reports.

According to Dr. Amy Grant, University of Central Florida, who presented at an ARDA World conference in 2017.

“A whopping 85 percent of all buyers regret their (timeshare) purchase (for money, fear, confusion, intimidation, distrust and other reasons). Forty-one percent of buyers never thought they would regret their purchase, but they did; another 30 percent were neutral prior to buying, but then regretted it.”

https://www.redweek.com/resources/ask-redweek/arda-world-timeshare-owners

Victims need to file regulatory complaints, lobby lawmakers and reach out to the media. I attended a Catholic conference where victims and clergy met to address the problems. It is only through the courage and fortitude of the Sister Chittisters of the world, change happens. It is unclear if the Pope or ARDA have really accepted the reality of Social Media because victims no longer need be silenced and isolated.

This article does go to show that only by speaking up and working together can any real change happen, these cases of abuse, although very different in nature, in the church and timeshare have one thing in common, both want you to remain quiet and say nothing.

That’s all for the month of August, the courts in Spain are about to start hearing cases again so there will no doubt be some interesting news on the legal front. Also during September Inside Timeshare will not be publishing regular articles as I am on leave and spending some quiet time with a large family reunion.

Have a great weekend and remember, any company that contacts you regarding your timeshare, do your homework before you do any business with them.

The Tuesday Slot

This week’s Tuesday Slot is an update by Teresa Laird first published on 23 March 2018 in Friday’s Letter from America, it tells the story of Double Purple Heart recipient Raymond Mori and his wife’s “Nightmare on Timeshare Street”. This article has also been published by OEN, opednews.com with an introduction by Irene Parker.

https://www.opednews.com/articles/Raymond-Mori-83-Two-Purp-by-Irene-Parker-Fraud-180828-295.html

At the moment Europe and especially Spain is very quiet on the timeshare front, mainly because we are in the middle of the summer holidays, with the courts in Spain on close down. But one reader did pass on a piece from one of the Anfi members forums, it poses a very interesting question on liability when it comes to private renting of timeshare apartments and weeks.

The writer starts by mentioning that members can’t help noticing that apartments are being privately rented at Anfi and the question arises of who would be liable if that renter had an accident in the apartment?

Would the resort be liable or would the person renting it out be liable if any legal action were to be brought, a very interesting point as the resort could claim that as they are not members but have rented from a private individual they are not covered by their public liability insurance. That would mean the owner of that week and apartment would theoretically be liable, but as an owner renting it out for whatever reason, be it no longer using themselves but covering the maintenance fees, they are unlikely to have any insurance cover for this eventuality.

The writer also goes on to say that this wholesale renting was not what was originally intended, it was for the sole use of members and their families, he believes this is just another nail in the timeshare coffin and would not be surprised if Anfi became a hotel in the future leaving members with little redress.

On that last point, we do know that IFA Lopesan has set aside millions of euros with the intention of buying the Cazorla shares giving them full control. It is also a known fact that IFA Lopesan have no interest in the timeshare model, they favour hotels which are mainly all inclusive and of a very high standard.

If you are an Anfi member what are your feelings on these points, Inside Timeshare would like to hear from you, now for this Tuesdays article.

Retired Marine Raymond Mori, Two Times Purple Heart Recipient, Alleges Timeshare Fraud at Age 83

An update since my original article March 23, 2018

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

Tuesday Talk Member’s Forum August 28, 2018

  

By Teresa Laird,  

Purple Heart 9/29/68

“I am writing this at my parent’s last Diamond Resorts update March 13, 2018, I am convinced my parents, at age 83 and 79, would have purchased 30,000 additional Diamond vacation points for $234,295 had I not been with them. This offer required a down payment of $69,993. I kept the paper of these terms under the table because members are not allowed to walk out with hand written notes. My dad was not feeling well. He falls asleep in his wheelchair and had spent six months in the hospital after a heart attack. The stress over this expense has caused my parent’s health to deteriorate further.”

Raymond Mori before being shot down twice, a gunner,  earning two Purple Hearts.

I changed their phone number to avoid Diamond’s collection calls. My mom still shakes when she hears the phone ring. She has never been late on paying a bill in her life, so this has caused her to lose weight and lose sleep. I learned my mom’s entire Social Security check goes to pay the Diamond mortgage. We have learned Diamond points have no secondary market value, so unlike your home, you can’t sell the points if you have a loan.

My parents today, Lillian and Raymond Mori, married 61 years

I have reached out to Angela Sandstede as her parents are going through exactly what we are going through. Roy Simmons is a Navy veteran. His Diamond mortgage payment is $2,700. He is a Navy veteran and a retired letter carrier.

Roy Simmons and Angela Sandstede Simmons

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

Like many, my parents used their Monarch Grand Vacation timeshare for years without complaint. They said they were told they had to give up their deed and buy points. I’ve learned they did not have to do that. Since Diamond acquired Monarch, their annual maintenance fees have increased from $2,600 to $4,600.        

I first learned of their purchase when my mom told me they had purchased an investment. She said they had invested in property. I called Diamond Resorts when my dad said they wanted to sell some points. When I asked how to go about selling points, the DRI hospitality agent laughed at me.

What they bought

4,000 Diamond points 3/12/2013 for $20,416  

2500 Diamond points 6/25/2013 for $8,325  

2500 Diamond points 7/29/2013 for $8,616

5000 Sampler points 5/4/2014 for $2,995

At ages 79 and 75 they were sold a Sampler trial program?

I called Diamond and told them that they needed to take back this last Sampler purchase at the very least. They said they would work with us but had to talk to my parents directly. What did they do – they sold my parents 17,000 more points over the phone at then ages 79 and 73 for $49,492. My parents said they were told they cannot cancel the Sampler, but the points could be added to something else. This is why they are in foreclosure. The caller said they would attach the Sampler points to another program. I could not believe it. Their new maintenance fees are $4,780.

My mom worked as an interpreter for the Ontario California liaison. She speaks Spanish. My dad is diagnosed with early Alzheimer’s. To think their lives have been financially ruined by this company is unforgivable. I am an advocate now. I am a veteran. I am working on a graduate degree and am active in the Veteran’s Resource Center. There is a Veteran’s Resource Center in every university. As soon as I finish my degree, I plan to make it my life’s work to warn veterans about predatory timeshare sales that can financially ruin the lives of those who served to protect us, including those who intend to do us harm. I am one of 72 veterans and active duty military and law enforcement who have reported alleged timeshare fraud.  https://www.csun.edu/vrc

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

Thank you Teresa for the update, it is despicable that the timeshare industry allows its sales agents to behave in this manner, we have said it before and will continue to say it, you as an industry

ARE RESPONSIBLE FOR WHAT YOUR SALES AGENT SAY AND DO!

It is your products they are selling, you employ them to represent your companies, the buck stops with you. If the industry can’t change its practices, then maybe it is time for major legislation forcing them to change. We have seen this in Spain, consumers there are now given the full protection of the law, the strongest in Europe, with other countries starting to follow their lead.

If you have any comments or would like to share your own “Nightmare on Timeshare Street”, then contact Inside Timeshare, remember you are not alone.

Have you been contacted by a company offering resale, claims or relinquishment and are not sure if the company or what they are offering is genuine, then use our contact page and we will point you in the right direction. Doing your homework before engaging with any company dealing with timeshare will save you money and a whole lot of stress.