Browse Tag

Anfi Del Mar

The Tuesday Slot

Welcome to another Tuesday Slot, this week we publish Part 2 of Manifesto, by another Industry Insider, with the introduction by Inside Timeshares very own Irene Parker.

At the end of last week we received some news from the courts in Gran Canaria, first was the news that the Enforcement / Embargo Team of Canarian Legal Alliance had once again secured a payout for one of their clients. Anfi Del Mar were ordered to deposit with the courts the sum of 49,226.57€ which is a few thousand more than they originally paid. They also received back their legal fees and legal interest along with the contract being declared null and void.

Then it was announced that the Courts of San Bartelomé de Tirajana had declared another 8 Anfi contracts null and void, with a total claim amount of over 400,000€. So some very happy clients indeed.

Now on with our Tuesday Slot.

Another Industry Insider Responds to Manifesto

Manifesto Part I:

Manifesto Part II upcoming: Our author hopes to, “draw public comment for a new Business Proposal to remedy and resolve the issues.”

Introduction by Irene Parker

February 19, 2019

As we learned in Manifesto Part I, considerable effort went into restricting the secondary market. One developer will not allow participation in the company’s voluntary deed-back program if the timeshare points were purchased on the secondary market. The goal is to get and keep the timeshare points in house employing any means possible.

As documented in Manifesto Part I, publicly traded timeshare companies list a viable secondary market as a risk to (their) investors. As baby boomers especially are learning about this timeshare hostage scenario, some families are financially devastated. They are left with no choice but to foreclose. Of the 702 families that have reached out to us, 98 are active duty service members or veterans, several disabled. The vast majority have high credit scores. Having to withstand the intimidation and humiliation of foreclosure can be overwhelming, especially for seniors having spent a lifetime paying bills on time.  

A Second Insider responds to Manifesto in today’s article. Insider analysis allows timeshare members and owners a glimpse into what goes on behind Wall Street’s timeshare scenes. Wall Street has made light of the well-orchestrated restricted secondary market. It’s just a loan loss provision number. I wish they could spend a day on the front lines listening to family after family explain how they were driven into timeshare insolvency, alleging unfair and deceptive sales practices, a few even to the point of bankruptcy. Most complain they bought additional points promised maintenance fee relief or the ability to sell points that was not forthcoming.

Following are comments from Industry Insider #2 to Manifesto, with responses from Industry Insider #1 (our Manifesto author) interspersed:

Commenter: I appreciate the well-formed Manifesto published last Tuesday, but would like to add some key points. A very important group of companies and individuals played a significant role in helping the timeshare ownership industry evolve/shift into the (points based) industry. The distinction being; now there are very few owners with “real property rights” as the majority of people own a beneficial interest in a club in the form of “crypto-currency” or points.

Anonymous responds; In Wall Street parlance; the Timeshare industry monetized utilizing a derivative – a very smart move. The term “luft” comes to mind. Luft is the German word for “air”. We’ve termed this derivative an RTU or “Termed Length” – Right to Use contract. Right to use timeshare contracts are the most popular forms of vacation ownership sold today. However, right to use (RTU) timeshare, and their agreements, operate differently from traditional deed ownership. Right to use timeshare is exactly as it sounds—you purchase the right to use the timeshare during the period on which you agreed. Unlike deeded timeshare contracts, you do not actually own any part of the property. Instead of a deed or title, you are bound to the timeshare by the terms of your contract. Right to Use contracts often takes the form of a club membership.

The right to use may be lost with the demise of the controlling company, because a right to use purchaser’s contract is usually only good with the current owner, and if that owner sells the property, the contract holder could be out of luck depending on the structure of the contract, and/or current laws in foreign venues. A more important question is; how many points can a (resort) issue to new buyers as 100% of the points are “derived” from the (resorts) land trust ownership of the original deeds? Secondary purchasers of RTU/Points have reported that many (resorts) strip owners’ privileges, access, exchanges and other perks of ownership to discourage and deter secondary market purchases.

This question begins to examine why Club /RTU owners often find that they cannot successfully book accommodations or exchanges unless they plan far in advance (24 months + prior). Because the points/RTU contracts are basically selling ‘air’, the resorts sell many multiples of Points /RTU’s than could ever be accommodated at any given time.  As we can see, this Club /Points/ RTU method allows the (Resorts) to sell an infinite number of points when compared to the prior physical simple-deeds.

Commenter: The industry, which upgrades up to 70% of its existing owner base, misleads owners into trading in their deeded intervals for some expansion use of a multi-site developer under the guise of convenience. This opportunity was something that was already afforded to them by the exchange companies.

Anonymous responds; Indeed, the industry quickly saw the future in selling air and swapped out owner’s valuable real estate property deeds for RTU contracts.

Commenter: The industry, already renting some 11M nights and adding 2+Billion in rental revenues (mostly to non-owners), could only be achieved by taking away the “sticks & bricks” of ownership.

Anonymous responds; Thus, creating extreme amounts of actual real inventory that could be rented out without benefitting RTU /Points Owners. Simultaneously, major resorts banned aggregations or collections of Points that could be used for business ventures; I.e. renting the points out.

Commenter: To accelerate this effort of transition, a modernization of laws needed to be created. This started in 2012 when ARDA drafted a sponsored a bill known as the “Timeshare Resale Accountability Act”. What few knew then was that the secondary market was collapsing right along with the primary market in the “Great Recession” – Timeshare developers began stripping various benefits of owners, selling into the secondary market, and imposed great “use” restrictions on those who acquired timeshares in the secondary market (like on eBay or through another resale channel).

As the economy began to improve and timeshare sales rebounded, a new subset of companies emerged. Those companies were called *Trade-in/Transfer groups and many of them worked on the same tables alongside of the teams of resort reps waiting to help those existing owners getting into an upgraded and competitive timeshare program.

Anonymous comments – These were the earliest aggregators working in contact with the developers who were filling their land trusts with the deeds as owners got part exchanged or traded into upgrading for RTUs.  

Commenter: What to do with these competitive intervals? Most of these companies ultimately failed as a result of a suppressive business model that was never shared with owners regarding how this created the nominal value factor which some even call negative value. Examples of companies: (Fireside Registry – Catalyst – SumDay Vacations – ALL ARDA members, assisting to provide inventory recovery/aggregator services for resort developers. Each acquired inventory for literally a penny to five cents a point, or sometimes at no cost.

Further, the writer suggests that attorneys are not effective and cannot make the resorts release their owners. This is simply untrue. There are thousands of owner/members who have successfully used attorneys to negotiate a release or litigate for return of monies paid and further, many multi-plaintiff or class actions in which resorts have paid multiple millions back to owners. These all were settled out of court and protected by settlement agreements that have confidentiality clauses and/or have been sealed by the courts, designed to protect developer secrets and activities of unclean hands, they simply do not want owners to know about.

Anonymous Comments – Attorneys that were early were certainly very effective.

The industry richly deserves its worst courtroom defeats. Many large defeats were on the basis of sales misrepresentation, contract misrepresentation, fraud in the inducement, fraudulent credit card/credit line applications and many other examples too numerous to mention.

Most effective examples are when the attorney/client relationship is limited to one timeshare case. Thousands of people have been willed unwanted timeshares as beneficiaries and literally 100% of these get redeemed with no issues and nominal fees. In 2008/09/10 owners who went bankrupt got redeemed without any issues, their personal credit was already damaged. The resorts could not use the leverage of personal negative credit reporting to force payment so “attorneys of merit” handled all of that work, therefore “yes” attorneys of merit are effective in dealing with unwanted timeshare assets.

Sadly, not all Attorneys are cut from the same cloth. Attorneys working on behalf of TPE’s represent a type of faux-Legal Mill. Rarely do attorneys working with TPE’s ever meet, counsel, or in fact speak to the customers. In fact, attorneys working in conjunction with TPE’s seem to be ineffective, due mostly to the overall felonious strategy.

Commenter: Finally, timeshare developers are finding it harder and harder to conduct business around the world *(UK, Spain, South Africa, Canada, others) except here in the United States where powerful lobbyists have used timeshare owners monies thru voluntary contributions to ARDA-ROC, Orange Lake Resort Alliance and other funds from developers to ensure passage of laws that protect the industry from angry consumers who unfairly have not been told the truth about their lifetime vacation ownership purchases.

Anonymous Comments – These lobbying attempts indubitably and with little doubt demonstrate how the industry desperately clings to its massive residual cash-cow after decades of selling a clearly worthless, illiquid luxury product to giddy, undefended, vacation minded, innocent members of the public.

Thank you to both our Insiders. We would appreciate input from the industry, but to my knowledge have refused to admit the secondary market is a problem and that there are thousands, if not millions who have wanted or want to be rid of their timeshare. There are some developers who have responded when we have sent an article for comment. We appreciate developers who will at least respond after members report being financially harmed by unfair and deceptive timeshare sales practices. We hope more dialogue ensues.

Thank you Irene for your introduction and for editing the article, we would also like to thank both our Industry Insiders for their contributions, no doubt we shall receive many more from them.

If you have any comments or questions on this or any article published, Inside Timeshare invites you to use our contact page, or join our Inside Timeshare Facebook Group, use the visit group box to log in, or use our contact page to send in your comments or questions.

If you have a timeshare issue that you would need help with or want to know what you can do, again contact Inside Timeshare, we are here to help and guide you.

Start the Week: Latest News

Welcome to the start of another week in the world of timeshare, we begin with some news being passed around various forums regarding Anfi. As we know Anfi is contacting members to change their contracts, but the latest is rather disturbing.

The change in contracts is to try and bring them within the law, the new contracts will be for a maximum of 50 years, with apartment numbers and week numbers being allocated to the floating week contracts, although they will remain “floating”.

According to information received, the new contracts will also penalise the members for “early termination” of their membership. Any early termination of the contract will be seen as a serious breach of contract on part of the member, Anfi will then apply a retrospective charge on the member for “hotel Costs” of around 350€ per night for all weeks used.

They have already used this threat to members who may be contemplating legal action in regard to illegal and missold contracts. This is also the subject of an ongoing legal argument, which has yet to be finally resolved.

Another point that has come to our attention is the number of members who have just ceased to pay their maintenance, especially with the new contracts. It is reported that around 100 members in 10 countries are about to have legal proceedings made against them for recovery of the maintenance fee arrears. Plus to have the mentioned “hotel costs” charged against them.

Another point which is irritating some of the members posting on the forums is the problem of resale. According to many posters, Anfi has the right to refuse the buyer of any timeshare sold privately. Again this is to ensure that all resales go through the resale programme, which we know is not very effective and will only command a very small resale price.

As with any timeshare advertised for sale, the price you see is what the owner believes they will get, remember, when purchased, many were under the impression they were investing in property. The sales staff openly told them it would go up in value, as we know this is definitely not the case.

So what do we make of this change in contracts and the other tactics being used?

Simple, by changing to the new contract, you lose all rights to take them to court, this is what Anfi want, after all it is costing them a fortune in payouts. (Which they will deny).

The threat of the “hotel costs” with legal action against maintenance arrears and making it more difficult to sell privately, is again to stem the tide of a significant loss of membership. This loss hits them in the pocket with reduced income of maintenance fees. After all, they are not selling like they used too, people are very wary of purchasing timeshare today.

Canarian Legal Alliance has issued some figures for the last week of January and the first week of February.

At the Court of First Instance, in Maspalomas, they had 19 (nineteen) victories against Anfi del Mar alone.

There were also 2 High Court wins in Las Palmas, again against Anfi del Mar.

Again at the Court of First Instance in Maspalomas, Palm Oasis lost 3 cases.

Over in Tenerife, The Court of First Instance again found against Silverpoint in 2 cases.

In another First Instance hearing, Club la Costa were the ones on the receiving end of a judgement.

In all a massive 27 victories against the biggest names in European timeshare, the total amount claimed on behalf of clients is over 648,000€ with all contracts being declared null and void.

CLA have also issued this video, which shows their impressive record so far, it was made at the end of 2018.

That’s it for today, join us tomorrow for a very special article, this was received by another timeshare insider after we published the article on the Florida Bill 435, tomorrow we publish Part 1.

If you need any help or advice regarding your timeshare, about any company that has contacted you or you have found either on the internet or advert in any publication, then use our contact page. We will be pleased to help.

Also if you have any comments, views or information you would like to share with other timeshare owners, then again use our contact page, we would love to hear from you.

The Tuesday Slot

Welcome to the Tuesday Slot, this week we welcome Pete Gibbes, with another Secret Shopper report. Pete as Secret Shopper Coordinator, has revised the secret shopper questions, this is part 1.

But first a quick summary of some news from the Spanish Courts. Canarian Legal Alliance has reported that last week they received eleven (11) new sentences, these were against Anfi Del Mar, Silverpoint and Petchey Leisure. Once again the courts have declared the contracts null and void, plus ordering the return of substantial sums of money to the clients, with this week alone over 340,000€ having been awarded.

Over the next 30 days, CLA have informed Inside Timeshare of the number of trial and pre-trials they have in various courts around Spain, it is a staggering 101! That is certainly keeping the judicial system busy.

Their execution of sentence department headed by Cristina Batista and Judith Diaz Pascual, have filed “provisional executions”, with a total worth of over 6 million euros against all major timeshare resorts. The total value is over 6.000.000,00 € and is against all of mayor timeshare resorts.

These execution orders are made in the interests of the clients and ensure that the resorts payout what they have been ordered to.

Now for this weeks article.

Secret Shopper Questions Revised, the Backstory – Part I

Part II – Friday February 8, Secret Shopper Questions

By Pete Gibbes, Secret Shopper Coordinator

January 29, 2019

I previously wrote about a positive timeshare sales presentation I attended not long ago in Sedona, Arizona. I mentioned that my Diamond Resorts sales agent and manager expressed shock and dismay at the misrepresentations we told them we experienced at a November 18, 2016 Virginia sales presentation. The Sedona agents stated that they were appalled and determined they would go to bat for me by contacting headquarters. I was asked to write out my complaint. Wary but hopeful, I waited. As expected, nothing happened.

http://insidetimeshare.com/fridays-letter-from-america-29/

To recap what happened at the 2016 Virginia presentation, we attended a member update hoping to learn about how to get rid of 11,500 timeshare points we had previously purchased. After several hours our sales agent had an epiphany. He recalled a new program that would give us the option to sell ALL of our points back to Diamond Resorts! We listened to three more hours of this agent’s version of Grimm’s Fairy Tales. After the sixth repetition, we became convinced this program existed. He told us, (and wrote down on a paper), a figure of $108,000 which was the amount he said we should be able to sell our points back for in three years. While I presently cannot locate the paper with $108,000 written on it, I do still have this agent’s “pencil pitch” indicating a “value” of $72k ($72,420 to be exact if you multiply the 8,500 points proposed times $8.52 per point). A formal proposal containing the exact numbers was presented, but that document is proprietary so we cannot present in this article. Diamond will argue that $8.52 per point represents “retail” not “resale” value, but I contend not disclosing Diamond points are virtually worthless is a material omission. Licensed timeshare brokers I contacted, who do not charge upfront money to list timeshare points, will not accept a listing for Diamond points.

Diamond Resorts has launched a program called CLARITY™ promising clear, concise, transparent and accountable information.  This is what I was provided:

At the bottom of this unclear pencil pitch, you see “G 2” and “S 3”, and below that ‘Loyalty 3 ys’. This meant that in 3 years we would have earned enough loyalty to sell the points back at a handsome profit. If we became Gold, we could sell back in two years. According to the sales agent, this new buyback policy was not available to mere Standard members like us who owned less than 15,000 points. We agreed to buy 4000 points for $15,500 to become coveted Silver members in order to qualify for the buyback program.

When I complained to Diamond I was told I did not have sufficient written evidence. I made up G2 and S3?

I remember asking the sales agent how Diamond could afford to offer a $108,000 buyback which could have exceeded our cumulative purchase price plus maintenance fees. He mentioned investment returns Diamond makes on sales. As an MBA and a CFP this made sense to me, as it made sense to George Yamada, a pension administrator who purchased Diamond points thinking he was making an investment. George is an Army veteran, Agent Orange disabled.  

http://insidetimeshare.com/the-tuesday-slot-5/

It appears I was not the only member excited about how this ingenious new buyback program was going to make their product more attractive to buyers. The sales agent, Mark Wilkerson, no longer works for Diamond, but he explained the program as a brand new Apollo related deal. Apollo Global Management, a private equity firm, acquired Diamond Resorts.

Does Diamond think I would go to this much trouble if I was making this up? Under threat of perjury, I have filed a complaint with the Virginia Attorney General’s office that has been under review.

Unfortunately, I do not possess a video tape of the presentation. This has prompted me to volunteer to be our Secret Shopper Coordinator. I’m on a media binge to warn other timeshare buyers to RECORD THE SALES SESSION! This is legal in Virginia as Virginia, like some other states, is a one party state. I feel this is the only road to true clarity.

https://www.justanswer.com/law/4cemo-illegal-audio-record-someone-virginia-without.html

Not only did we pay $15,500 for nothing, we incurred additional ongoing maintenance fees and $2,250 in income taxes on a retirement distribution I had to make to pay for the purchase.

I asked for the contract to be cancelled and my down payment refunded. I am asking nothing for my permanent loss of faith in humanity. Like several members of our 2,400 member sponsored Diamond Facebook page, I am disabled. My sole source of income is my SSI disability income. I have learned from our Facebook other timeshare companies also respond to complaints with, “We are not responsible for what our sales agents say,” and “You signed a contract.” I received a certified letter from Diamond’s legal department (Consumer and Regulatory Affairs Officer) asking for written evidence. I provided the pencil pitch above, but even that does not break through the oral representation clause.   

Timeshare sales agents are not supposed to deviate from company approved sales strategies, but complaints from timeshare buyers continue to flood the internet, Attorneys General offices, the Better Business Bureau and other regulatory agencies. With little enforcement, we feel members need to take matters into their own hands by becoming Secret Shoppers so we can evaluate for other members how near or far a timeshare sales agent ventures from his or her script.

We have about a dozen Secret Shoppers. We arm our Secret Shoppers with intelligent questions timeshare buyers often forget to ask. It is our hope we can publish some positive Secret Shopper experiences. After compiling over 500 timeshare complaints, we have determined the most popular complaints involve:

  • Maintenance fee relief programs that do not exist,
  • The ability to sell points or weeks when there is no secondary market,
  • Misrepresenting the value of using a credit card to offset maintenance fees,

Having run on for many words describing what was supposed to be a brief introduction to our Secret Shopper questions; Friday, February 8 we will publish our revised Secret Shopper questions as a Part II to this article.

Contact me at Inside Timeshare if you would like to become a Secret Shopper.

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Pete, we look forward to part 2 next month.

If you have any questions or comments about this or any other article, contact Inside Timeshare, we welcome your input.

Do you have any questions regarding your timeshare, how can you get out or if you have a valid claim, then again use our contact page, we will try to answer your questions and point you in the right direction. Remember, not everything you will be told by many of these companies touting for business will be true, most will only be after your money, so do your homework and do your due diligence.

 

News from the Courts

Inside Timeshare has received the following information from Canarian Legal Alliance, going by this news they are certainly having a very busy time.

By the end of last week, 9 November they had 31 pre-trials or full trial in the Spanish Courts, these were on mainland Spain and the Canary Islands. They also filed 44 new cases with the courts, so the judges are going to be busy for a long time yet.

They also last week received sentences in for the following:

  • 4 against Anfi Del Mar at the Courts of First Instance
  • 1 at the High Court, again against Anfi Del Mar
  • 1 against Silverpoint in Tenerife

In total they recouped over 206,000€ for their clients plus all the contracts were declared null and void, leaving the clients timeshare free.

Court of First Instance, Maspalomas

It is also becoming more common for the judges at the courts in Gran Canaria of not sending the the cases to a full trial, but issuing their sentences after the pre-trial. It was also announced that one judge in Tenerife has also followed suit and will not be sending the case for a full trial, but will issue his judgement in due course. This is obviously speeding up the process and is good news for the clients.

This week has also started on a good note with judgements issued on the following dates:

12 November

In the Court of First Instance in Maspalomas there were two against Anfi, again no trial but issued after the preliminary hearings, the first was issued 1 month after and the second was issued in just 7 days. The clients are to receive over 112,000€ and 31,000€ respectively.

In the High Court in Tenerife, Silverpoint were on the receiving end with the order to return over 15,000€ to the client and the contract being declared null and void.

On 13 November, again after a pre-trial the judge ordered the return of over 23,000€ and a German client will receive back over 103,000€, both Anfi contracts have also been declared null and void.

Anfi once again have been on the receiving end of 2 more judgements at the Courts of First Instance in Maspalomas, the infringements of the timeshare laws were perpetuity and floating weeks. The first client has been awarded 0ver 53,000€ plus legal interest. In the second this client has been awarded over 45,000€ which includes double the deposit paid, plus legal fees and interest.

Another timeshare company was also ordered to repay over 36,000€ plus legal interest for a perpetuity contract. This contract with Puerto Calma was also declared null and void.

So there are some very happy ex-timeshare owners, who will be celebrating this week.

Canarian Legal Alliance also announced this week they have broken another record, they have received their 300th sentence against various timeshare companies so far this year, with still just under two months left to go. This is double the number they achieved last year and equates to more than 1 a day. The total amount awarded in these sentences is a staggering 10.8 Million Euros.

This is just for timeshares sold in Spain that have infringed the now strict timeshare laws, for clients of timeshares purchased elsewhere in the world there is another branch to CLA, this company is called CLA International FZE and their head office is located at:

The Fairmont Dubai, Office 508, Sheik Zayed Road, Dubai, U.A.E.

+9714 311-6657

FAX:+971 4332 8810

[email protected]

https://clainternational.ae/

With branches spread around the world and a network of International Lawyers who specialise in timeshare litigation, they are opening the doors to many more timeshare owners who are in need of specialist help. Obviously with the success of the Spanish lawyers it will not be long before we start to see this spread to success in other parts of the world.

The Tuesday Slot

Welcome to The Tuesday Slot, this week we welcome another new contributor Wilma Miller with her “Nightmare on Timeshare Street” and her Buyer Beware article. First we have a quick round up of European news.

October is now with us and in the next few months the annual maintenance bills will be arriving, this will also bring in many calls from “companies” offering cancellation of contracts and claims against timeshare resorts. The warning is beware the fantastic offers these will come out with, from the guaranteed cancellation and the promise of no win no fee claims.

As usual it is important to do your due diligence before engaging with any company, that means check and check again. There are many questions you should be asking yourself:

  1. How long has this company been operating, can they actually have done what they state in the time they have been working?
  2. If they are offering “no win no fee” claims, how are they going to claim?
  3. In order to do the claim do they want money upfront to cancel the contract first?
  4. Are they going to sell you another product?
  5. What lawyers are they going to use if taking the case to a Spanish Court?
  6. Can these lawyers be verified as genuine and registered with their relevant bar associations?

If you need help in answering any of these questions, then use our contact page and Inside Timeshare will point you in the right direction.

The Courts of First Instance in Maspalomas began the month with another ruling against Anfi, in his ruling the Judge of Court No 4 declared the contract null and void, this was on the basis that the contract was longer than the stipulated maximum of 50 years as required by Law 42/98. The judge also awarded double the deposit paid within the cooling off period as this is also in breach of the law, in this case the German client has been award over 66,000€ plus legal interest.

Right click on image and select open in new tab to enlarge

Last month ended with a bang for Canarian Legal Alliance with a total of 18 sentences being issued in various courts ranging from First Instance to High Courts, there were also 6 provisional executions of sentences whereby Anfi has been ordered to deposit  over 184,000€ with the court. These provisional executions of sentences will speed up and ensure prompt payouts for the clients.

In all the 12 other sentences were against:

All contracts were declared null and void and the total awarded was over 286,000€

It would also appear that Abogados Lopez another fake law firm has become active again, with calls to existing CLA clients telling them that they have taken over their case from CLA. Beverley Pritchard is another new new name along with Ricardo Sanchez.

http://insidetimeshare.com/news-on-wednesday-more-warnings/

The telephone numbers being used are the same as before:

0034 951 242 867 which is a Malaga code

0034 602 654 670 which is a Spanish mobile

0044 1291 440 500 which is a Chepstow code, although when trying to call this number back a recording states the number does not exist.

If you are an existing client of Canarian Legal Alliance and receive a call from any of the names or numbers above including the original name of Hope Brugge, do not pay them or give them any information, they may sound credible, but are a complete scam.

Now for our Tuesday Slot.

A Buyer Beware Timeshare Experience

Diamond Resorts

By Wilma Miller

October 2, 2018

We first encountered Diamond Resorts while on vacation June 2017. Their people knocked us off our feet with free tickets to a show, and switched us from the Stratosphere to Diamond’s Polo Towers Suites. They even picked us up in a limousine! All we had to do was attend a 90 minute presentation. It’s easy to catch people off guard while on vacation.

Looking back, I believe the presentation room was designed to be noisy and crowded. The 90 minutes turned into hours. I am 78 and my husband James, a Vietnam Army veteran, is 75. As the hours wore on we became more tired and more confused. The presentation began about 11 a.m. and lasted all day.

James has health issues. He was not feeling well after several hours had passed, but the sales agents just kept on. It did not even register when we mentioned his health issues. Sales agents Ninmar N and Diana C were vague on how the program worked. They were vague on the cancellation procedure, and the payment procedure. We felt pressured into signing and we were not allowed enough time to read the documents. They showed us the documents as they explained what was in them, but did not give us a chance to actually hold or read them before we signed. They hurried us through the signing process by placing papers in front of us, telling us what it said, asking us to sign. We later received a copy.

They had said we were eligible for a senior package. We’ve learned there is no such thing called a senior package. We did not know the maintenance fees would be so high. We did not even know we had purchased a timeshare. Jim kept asking if this was a timeshare. They never admitted it was.

We bought 3000 points. They charged $14,000 to two Diamond’s Barclaycard. We were not aware we had opened the cards, much less that the cards had been charged. We repeatedly told the sales agents we were not interested, but they kept insisting we sign the contract.

After the signing process, they placed the Diamond Resorts U.S. Collection Public Offering Statement in our packet. We were not given an opportunity to even see what it was, much less read it. They said no one ever reads it. When we looked at it later it said right on the front – THE PROSPECTIVE PURCHASER SHOULD READ THIS REPORT BEFORE SIGNING ANY PAPERS!

In our opinion, the biggest deception of all was when they told us the payment would be $80 per month with no interest and Diamond Resorts would invoice us for the payment. This is in complete contrast to what has since transpired. Instead of one payment of $80, there are two payments, making it double the price they told us.

We received two Diamond Barclays Bank Credit Cards in the mail. As I mentioned, we were not even aware the cards had been opened. One Barclaycard was in my name and the other in James’ name. Neither agent mentioned credit cards during the presentation. They said we had to fill out an application to see if we would qualify. We never received a copy of the application.

To add insult to injury, the credit cards had no interest charges until now. Now the two payments are too much for us to afford.

After we received the high maintenance fee bill and credit cards, we went back for our orientation August 2017. We told them several times that we wanted to cancel or sell the timeshare. We said we wanted out.  When we told one person, they would get another person to talk to us. They tried to sell us an upgrade even when we said we could not afford what we bought! We talked to several sales people, but they ignored our concerns. It was obvious to us they did not care.  We never saw our original sales agents. Despite being told it was an orientation, we received no training or explanations.

We complained to Diamond Resorts directly. They dismissed our claims out of hand. They expect us to pay for something based on being told:

  • This was a great financial investment that would increase in value,
  • There were tax benefits as owners,
  • We could easily sell it,
  • Diamond had a buy-back program but recommended we never use it because we would lose all our points,
  • We would have a personal representative or coordinator assigned to us. They said this several times.  We never heard from anyone, much less a personal representative or coordinator.

They did not tell us:

  • How much vacation time we would get. We kept asking the sales agents but never received an answer. They bypassed every question.
  • We received 3000 points, but when we asked how we could use them, they gave us a confusing run around.
  • When we asked about maintenance fees and other fees, they avoided answering our questions by changing the subject.

We have sent a letter saying we cannot and will not make payments. We received a lot of collection calls. We sent a letter asking that the calls be stopped. They did stop. We had a high credit score before this. We stopped making payments around March. We received a form saying they would settle for a lower amount. They were talking about the Barclaycard.  

James has been diagnosed with cancer. It’s hard enough growing older without having to go through this. How many seniors will be harmed and harassed before lawmakers and Nevada regulators do something to stop this?  We fear it will never stop, so the best we can do is write about our experience, hoping it will help others.

When I submitted this article to Inside Timeshare, I was told about this member sponsored Diamond Resorts Members’ Facebook page. I wish I knew about this Facebook before we got ourselves into this. It’s been a disaster.

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

This article was written and submitted by Wilma Miller. We invite Diamond Resorts and Barclays to respond. We publish member accounts, good and bad, in an effort to warn the general public to know what they are signing and what they are buying.

That’s it for today, remember to do your homework before engaging with any company that has contacted you or one that you have found on the internet. It must also be pointed out that just because a company advertises in a prestigious publication, the radio or the TV, this does not mean they are genuine, these are sold advertising spaces, the marketing companies that sell them do not check on the authenticity of the company advertising. They will also publish a disclaimer, that they are not responsible for the content or authenticity of the advertiser.

If in doubt, use our contact page and we will be pleased to help you with your checks.

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 Lawyers

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 Great Anfi Battle of the Partners Round 2

Back in March 2016, Inside Timeshare published the article The Great Anfi Battle of the Partners, this highlighted the long running arguments between the Lyng family and Santana Cazorla, the 50% partner in Anfi, who also controls the Board.

http://insidetimeshare.com/great-anfi-battle-partners/

It centered mainly around the disappearance 8 million Euros between 2012 and 2013, the diversion of these funds was apparently noticed  by the Lyng’s while a lawsuit was pending between Cazorla and Lopesan. This lawsuit revolved around a 14 million Euro debt, which Lopesan claimed was owed to them by Cazorla as they had bought the debt from the Cardenas family. This debt it is claimed was for the land which Cazorla purchased from Cardenas for the golf course and complex at Anfi Tauro.

Well the story has not ended there, round 2 is up and running.

Just recently the Spanish press has been running several stories on the continuing battle between Cazorla and Lopesan, it also involves the new head of the Costas, Rafael López Orive, who is facing charges of “Prevarication”. (For the full story on this click the link below).

https://www.elconfidencial.com/empresas/2018-07-22/anfi-canarias-direccion-general-costas-juez-investiga_1595609/

http://espiral21.com/santana-cazorla-demanda-a-ifa-por-fraude-en-la-compra-de-anfi/

In another twist in this long running dispute between the two major players in the tourist sector in Gran Canaria, Santana Cazorla has issued a lawsuit filed in June 2018 at the Mercantile Court in Las Palmas, involves Bankia, the public bank of the Spanish State and 6 million euros.

http://espiral21.com/bankia-rebajo-6-millones-a-lopesan-la-compra-de-creditos-de-anfi/

Apparently it looks like Bankia lowered the price for the purchase of credits from Anfi del Mar by Lopesan by 6 million euros and according to the lawsuit Cazorla states:

“Lopesan ha estado comprando créditos existentes contra las sociedades de Anfi y contra las empresas del grupo Santana Cazorla a diversas entidades bancarias”.

“Lopesan has been buying existing credits against the companies of Anfi and against the companies of the Santana Cazorla group to various banking entities.”

The situation between the factions is complicated and we will no doubt be seeing many more lawsuits and counter lawsuits being filed, this now begs the question, what does this actually mean for those members of Anfi?

When IFA Lopesan purchased their 50% share, it left many wondering where Anfi would be heading, would Lopesan if they do take full control turn Anfi into a hotel and do away with the timeshare model?

Looking at the history of Anfi and comments from members, since the Cazorla’s purchased their 50% share and took control of the board, Anfi has been seeing a slow decline in standards, a series of scandals and lawsuits, with the latest being the Tauro Beach Project. It must also be remembered that Anfi are also losing heavily in the courts for the past mis-selling of their timeshares.

What the future has in store for this once great resort, no one really knows, what we can say however is that it is going to be at a cost of millions of euros in legal bills, something the Anfi members should be very much aware of, yet we believe that they will as usual be kept in the dark and fed whatever “spin” Anfi can put on it.

https://www.abc.es/espana/canarias/abci-sandwich-holandes-lopesan-incordia-santana-cazorla-anfi-mar-201806210739_noticia.html

If you have any questions or comments on this article or even want to know if you have a valid claim to retrieve your purchase price and have your contract declared null and void, then use our contact page. Inside Timeshare will get back to you and endeavour to answer your questions and concerns with facts.

Tomorrow Friday’s Letter from America asks what the future holds for Americano Beach Resort after the hurricanes Matthew and Irma, this is from another new contributor Meryl Stefan, with the introduction by Irene Parker.

So join us for our last article of the week for more news and information on the world that is timeshare.

 

Friday’s Letter from America

Welcome to another Friday’s Letter from America, this week Irene Parker looks at Whistleblowers of America and their report to the Veterans Affairs Committee. As we have reported in previous articles, we have received many complaints from veterans who have had very bad experiences with timeshare sales agents. These practices are unexceptable and need to be stopped, but that can only come from the top of the timeshare companies, if they have the will to do it!

Now for some news from the Spanish courts, more legal history has been made at the Supreme Court in Madrid, Silverpoint has had another 2 judgements made against them, bringing the total of rulings from Spain’s Highest Court to to 126!

The tally this week is:

2 Supreme Court against Silverpoint;

3 more Court of First Instance against Anfi del Mar;

3 Provisional executions of sentence against Anfi del Mar, (this has secured over 93,000€ for clients with Anfi depositing the funds at the court of San Bartelomé de Tirajana);

2 High Court victories against Diamond Resorts International.

In the Diamond sentences, the clients have been awarded their full purchase price plus double deposit for a total of 19,504€ and 30,000€ respectively. These and the contracts for the clients above have all been declared null and void.

In total the 7 sentences amount to over 370,000€ another expensive week for the timeshare industry in Spain. All these cases have been brought on behalf of clients from all over Europe by none other than those intrepid lawyers at Canarian Legal Alliance.

As we near the end of July, we only have one more week where the courts are working, August is the annual close down, so we will see no new cases being heard until September.

Now on with our Letter from America.

Whistleblower Retaliation against Government Workers, Employees, Timeshare Members and Timeshare Sales Agents

62 out of 500 timeshare complaints we have received are from veteran and active duty members of the military and law enforcement

A Whistleblower Summit in Washington D.C. July 30 – 31

http://whistleblowersummit.com/

By Irene Parker

July 20, 2018

There are several federal and state laws in place to protect government and corporate employee whistleblowers from retaliation, but whistleblowing is never easy and can take a personal toll. A whistleblower friend of mine suggested I attend the Whistleblower Summit linked above, because of threats and accusations our advocates, Charles and I have received over the past two years. I have heard the following false statements made about Inside Timeshare and our advocates through the timeshare grapevine:

  • That our articles are based on false information. Many articles are submitted by our readers, which I edit, or the content provided by our readers.
  • Our advocates are compensated financially for assisting members,
  • Our advocates are practicing law,
  • Our advocates are compensated for soliciting business for lawyers,
  • We’re targeting certain timeshare sales agents (we call repeat offenders)

Articles written by timeshare members describing their timeshare experiences are revealing and important. One of the Whistleblower Summit presentations I am looking forward to attending is titled,

Unleashing the Power of – YOUR – Story

Moderated by Gloria Minott, Public Affairs Director WPFW

“Story is what defines us and set us apart. It’s what allows us to connect with each other. Story is powerful. Story is grossly misunderstood. A good story has conflict, but ultimately resolved. A story is messy and full of confusion, but there is meaning and completeness to it. Stories have natural momentum to them, fueling our passion to find out more from the teller. Stories are laden with bait and intrigue, with suspense and tension. Stories are provocative.” Jeff Goins

Whistleblowers of America is a nonprofit organization assisting whistleblowers who have suffered retaliation after having identified harm to individuals or the public. Founder Jackie Garrick will moderate a panel discussion at the upcoming Whistleblower Summit that will address resilience after retaliation

“My numbers are going up with new reports every day,” says Jackie Garrick, founder of Whistleblowers of America (WoA). Garrick created WoA earlier this year after discovering firsthand how difficult the process of reporting wrongdoing can be, and the personal toll it can take on the people blowing the whistle. By offering up the help and insight of former government insiders and whistleblowers like herself, Garrick is hoping to not only encourage more people to come forward, but also to simply support them once they do so.

http://www.foxnews.com/us/2018/04/10/va-whistleblowers-under-threat-seek-help-from-outside.html

So far the only information available on timeshare whistleblowers concerns a lawsuit in which a jury awarded former Wyndham timeshare sales agent Trish Williams $20 million.  

She is also a rarity: a whistle-blower who has succeeded in bringing to light abuses at a powerful corporation that wanted to keep them hidden.

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

Despite several relatively recent Attorneys General investigations and settlements, lawsuits galore, and a flood of internet complaints, the timeshare industry continues to place blame on their customers and on advocacy groups. In other words, the industry believes Inside Timeshare either invented 500 timeshare complaints or that the 500 members would be happy timeshare members had they not read Inside Timeshare articles or joined one of several members sponsored advocacy Facebooks and websites. Almost all of the 500 members are highly educated, professional, high credit score citizens. At least they had a high credit score until they were sold or upsold into timeshare insolvency.

It doesn’t matter how many millions love their timeshare. What matters is that the majority of the 500 families have alleged they were fraudulently sold a timeshare product. All but a handful received an automatic “You signed a contract” dismissal from the timeshare company.

Whistleblower advice for corporations and agencies from Findlaw.com:

How (Corporations) can Avoid Whistleblower Claims

Here are a few steps that you (a corporation) can take to reduce the risk that your company will be subject to such a lawsuit. In parenthesis are my observations as they apply to timeshare:

  • Don’t retaliate — Try to remember not to treat employees (timeshare members) that have complained about your company any differently than those who have not.
  • Have a complaint policy in place and be sure to use it — It is a good idea to have a complaint policy in place, even if it is not required by law. Train and educate your employees in using the system. Once you have your complaint policy in place be sure to abide by it. (According to member reports, the timeshare complaint policy has been to provide the complaining member with their initials on fine print and dismiss them with, “You signed a contract” or “We’re not responsible for what our sales agents say.”)
  • Investigate all credible complaints — If you receive an internal complaint about alleged wrongdoing, be sure to investigate it, so long as it is credible. If you find that the complaint was truthful, take the steps needed to remedy the situation.(The timeshare member has often reported that they were told they were wrong and the timeshare sales agent judged truthful)
  • Be careful in disciplining whistleblowers for other misconduct — If you have a whistleblower in your company that needs to be disciplined for other conduct you must be very careful. Get evidence to support your claim that you are disciplining for reasons other than the whistleblowing and make sure the employee knows the reason he or she is being disciplined.

 

https://smallbusiness.findlaw.com/employment-law-and-human-resources/whistleblower-retaliation-could-land-you-in-trouble.html

Following the above advice would eliminate the need for timeshare advocacy groups and whistleblowers.

United in Speaking Truth to Power

www.whistleblowersofamerica.org @whistleP2P

601 Pennsylvania Ave, South Tower, Suite 900 Washington, DC 20004

Jackie presented testimony to the House and Senate Committees on Veterans Affairs March 14, 2018. She included Timeshare Advocacy Group’s veteran timeshare fraud report in her statement. Several of the 62 veteran timeshare members we have assisted struggle with disabilities and PTSD as described in the report. Jackie believes that retaliation can cause PTSD.     

  • The veteran population has very complex needs due to unique exposures/injury during military complicated by having two plus significant medical problems in one patient.
  • Veterans experience Traumatic Brain Injury (TBI) and Post Traumatic Brain Disorder (PTSD). According to the CDC, about 40,000 Americans die by suicide each year making it the 10th   leading cause of death. (Several of the veterans we have helped struggle with PTSD and TBI, one is a decorated Marine, and another a Marine who earned two Purple Hearts.)
  • Agent Orange exposure – For example, eye cancers are a continuous issue. (Two of our disabled veteran timeshare members are disabled from Agent Orange exposure)
  • Gulf War Illness – Illness haunts Gulf War veterans. (One of the timeshare members served in the Gulf War and is on 25 meds)
  • Camp LeJeune: Due to water contamination at the Marine Corps Base, Camp LeJeune, increased reports of cancer in veterans and their families have been documented over the last several decades related to the solvents in water.
  • Burn Pit Exposure: Those who served in Afghanistan and Iraq since 9/11 were exposed to a concoction of burning substances on military installations that has caused them to raise health concerns from cancers to respiratory and gastrointestinal disorders. (One of the members we assisted was diagnosed with blood cancer having lived next to a burn pit in Basra)

Statement of

Ms. Jacqueline Garrick, LCSW-C

Executive Director

Whistleblowers of America

Before the

Committees on Veterans’ Affairs

U.S. Senate

U.S. House of Representatives

March 14, 2018

Fraud and Scams Against Veterans:

Although WoA recognizes that it is not inherent within the VA mission to protect veterans from fraud and scams that could cost them their benefits, it suggests that it could be assistive in educating veterans against these unscrupulous tactics. For example, WoA has had multiple complaints from veterans related to timeshare deceit and bait and switch tactics, which are defined by the FBI as fraud for profit.  Often elderly veterans are mentioned as being targeted by the Timeshare Advocacy Group, TM which fights for active duty and retired military who fear losing their security clearance, career, homes or other assets.  Foreclosures and financial distress because of these misrepresented investments are happening every day to elderly disabled veterans and their families. In the past, VA has cooperated with the Consumer Financial Protection Bureau (CFPB) over mortgage and other loan scams that caused financial hardships for veterans.  Home loans and timeshare loans are identical as both are reported as foreclosures. WoA asks that Congress consider a role for the VBA Employment and Economic Initiative (EEI) could play in cooperation with CFPB to educate and protect veterans from unscrupulous financial predators and fraudulent practices.

Jacqueline Garrick is a former Army social work officer who has worked in the Departments of Veterans Affairs and Defense as well as for the House Veterans Affairs Committee.  She is a subject matter expert in mental health and program evaluation. She is an advocate for disabled veterans and the use of peer support to improve resilience in traumatized populations.  She founded Whistleblowers of America in 2017 based on her experience reporting attempted fraud with DoD Suicide prevention funds.

We thank Jackie and Whistleblowers for their support. It is our hope that through public awareness and knowledge, the consumer will be better able to make an informed decision as to whether a timeshare, especially one financed at 17%, is a good idea for the family.

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

That’s it for this week, Friday is upon us and the weekend beckons, on Monday we will be publishing the court cases against Diamond and how Spanish law is protecting consumers, we will be comparing this with what is happening across the Great Lake with our US cousins.

Inside Timeshare would like to thank all contributors to these articles and also to those who supply the evidence and information on the “fake” companies that are trying to rip you off. It is your valuable information which goes to help and save others from these unscrupulous charlatans.

Remember to check, check and check again, doing your homework will save you your hard earned cash. If you are unsure how to check, then use our contact page, we will be happy to point you in the right direction.

Have a great weekend and join us again next week at Inside Timeshare.

Start the Week

Last week the following information came in after publishing Friday’s Letter from America, it was certainly a busy week in the Spanish Courts, and a rather expensive one for the industry.

No less than 16 sentences were passed by various Spanish Courts, they are as follows:

10 were against Anfi del Mar

2 against Tasolan (Palm Oasis)

4 against the Tenerife based Silverpoint.

In all cases the contracts have been declared null and void and the amount of money the timeshare companies have been ordered to return is over 561,000€.

It was also announced by Canarian Legal Alliance that their Provisional Execution of Sentence team had also successfully had 2 more embargos place on Anfi cash accounts, securing the money for their clients.

Tomorrow Inside Timeshare once again publishes a revised article on How to File a Complaint, these articles are aimed at our American readers but are still of interest as you can adapt them to suit your own country and associations.

If you have any comments or stories you would like to share then use the contact page, also if you need to find out about any company that has contacted you or one that you have found on the internet, then get in touch and we will point you in the right direction.