Browse Tag

Better Business Bureau

Another New Timeshare Claims Company

Once again one of our readers has pointed out another company that is offering timeshare reclaims, they are called Timeshare Redress with the website:

https://timeshareredress.com

With the following address Telephone number and email:

Ground Floor, 22 Vantage Park,

High View Close, Hamilton,

Leicester LE4 9LJ, United Kingdom.

0800 051 1738

[email protected]

The website is very new only being registered on 8 June 2018, with the registrar hidden by redaction for privacy, yet according to the Home page they are “helping clients claim back £thousands”, that they are “One of the leading claim handlers in the UK”, also stating they work on a “no win no fee” basis.

Well, for a website only registered less than 2 months ago these are rather grand claims to be making. So who are they?

The actual company is called Money Redress Limited with the company registration number 10483863 and registered at the above address. The company was incorporated on 17 November 2016 so only just under 2 years old.

The first director was Ian Richard Francis, who resigned on 25 April 2017, being replace by Robert James Jeffrey Ridge on 2 March 2017.

Mr Ridge who is aged around 41, has had a total of 18 appointments, 5 which are still active, 1 in liquidation and the rest are dissolved companies. One company is also registered at the same address which is called Pension Calculator Limited, Company number 08957148.

According to their website, (About us) they are working in partnership with one of the leading law firms in Spain, yet they do not name them anywhere on their website, surely that would be one of the most important points to give credibility?

They do go on to state the following about their Spanish partner:

  • Listed as recommended lawyers with the British Embassy/Consulate, US Embassy and Irish Embassy, as well as being members of regulated legal bodies such as the IBA (International Bar Association).
  • Qualified Legal Representatives: Their legal team are made up of fully qualified and experienced lawyers who can provide you with comprehensive information, detailed estimations of all fees, costs and taxes involved, and clear and concise explanations of the legal process.
  • No language barriers: Their office staff include native speakers from the UK and US, as well as Spain, and staff who can converse with you in English, French, German, Russian and Swedish – so you can be confident of fully understanding the legal process throughout the course of your case.

Inside Timeshare did contact the leading law firm in this field to check if they had any knowledge of this company, but they had never heard of either Timeshare Redress or Money Redress.

The website does emphasise the Spanish Supreme Court rulings and cases brought in Spanish courts against 5 of the major players in the timeshare industry, but again no mention of which law firm is responsible.

The Latest News section shows three reports, all three taken from other sources, one from New Business and the other two from the Telegraph. One of the articles from the Telegraph is extremely dated as it has quotes from the TCA by the late Sandy Grey, who as we know passed away in 2013.

When you check the Services section, you will get a drop box with the list of timeshare companies, each one takes you to a contact form asking for very basic details Name, telephone, email and was the timeshare purchased or upgraded after January 1999 and then a submit button.

So what can we assume from this website?

At first glance is does appear to be a “lead generator”, submit the details and they are then free to contact you and pass you on to another company, thus getting round the new data protection laws.

So what about the no win no fee aspect?

As we know any legal action through the courts in Spain requires a Spanish registered lawyer, it also requires that legal fees are paid upfront, so this rules out the no win no fee aspect. Although the no win no fee could be the success fee payable on completion of the case and a successful payout from the timeshare company through the court. Only one snag here, these cases can take a long time to actually get through to the payout stage, according to cases at court now, they have taken around 12 to 14 months to reach the trial date, this is without the timeshare companies making an appeal when they lose. One just wonders if these people will still be about by then?

Once again we have a new player on the block, with no actual evidence of who is behind it, after all directors are only the front men, not necessarily the owners of the business. We have a website that is very new yet makes some very big claims, a section which is typical of a lead generator and no mention of which law firms they are in partnership with. All this leads us to view them with great suspicion, as we keep saying the timeshare claims business is a very lucrative area and since the first Supreme Court rulings many have jumped on the bandwagon, even though they have no actual knowledge of the timeshare industry or timeshare law.

This is a classic example of why you should be doing your homework, finding out about any company that contacts you or you have found on an internet search, popup advert or even adverts in newspapers and magazines. After all, we even have the story of one reader who answered and advert in the Royal British Legion Magazine, a trusted organisation, then got scammed. As we explained to her, the marketing companies sell advertising space, they don’t do checks on the credibility of advertisers!

If you have any questions are need help in checking any company, then use our contact page and Inside Timeshare will point you in the right direction.

Join us tomorrow for our Friday’s Letter from America, with a Timeshare Report by the St Louis Better Business Bureau, edited by our very own Irene Parker.

The Tuesday Slot with Irene

Welcome to The Tuesday Slot, this week we publish another Veterans “Nightmare on Timeshare Street”, with the introduction by Irene Parker. As with many of the other articles published on Inside Timeshare this is a story from the Veterans own personal experience, these stories have become all too familiar with us at Inside Timeshare, not just from Veterans but also serving members of the armed forces and law enforcement. But first some other news.

It looks like Diamond Resort International have yet another legal action filed against them, this was filed by Labaton Sucharow LLP, on 23 July 2018, on behalf of their clients Local 705 International Brotherhood of Teamsters Pension Fund, under the Securities Exchange Act 1934.

Once again this is a Class Action lawsuit, which others who may be affected being invited to join, further details can be obtained from: www.labaton.com. (See link below).

https://globenewswire.com/news-release/2018/07/25/1542302/0/en/Labaton-Sucharow-LLP-Files-Securities-Class-Action-Lawsuit-on-Behalf-of-Diamond-Resorts-International-Inc-Investors.html

There is another new name has come up on the radar, Martinez Notarias with lady called Victoria Holmes contacting consumers who had dealings in the past with our old friends Ramirez and Ramirez. She claims that they can recover along with compensation what the consumer paid, now the worrying aspect is she knows exactly how much was paid, which only leads us to conclude that she is either working with Ramirez or has managed to get hold of all his old records. We actually believe that she is working with Ramirez.

She sends out to those interested Non Spanish residents tax exemption form, which is downloaded from the internet, once the form is completed it then has to be faxed not posted back. There is no website but there is an email [email protected] which is just a normal Gmail free account,  the telephone numbers being used are:

(+34) 603208693 Spanish mobile

Fax: 070 1197 2107 The code 070 is a personal number.

Personal numbers allow a person or businesses to give out a single phone number, then redirect their incoming calls to different locations as and when they choose. 070 numbers can also be used as temporary numbers. For example, somebody selling a car through classified adverts could set up an 070 number to receive enquiries then disable the number after the car has been sold, rather than publishing their real home or mobile number. So this is not a very good sign!

Another new “fake” Procurador has also been flagged, CARLOS RIHOM IGRAIM, with the website:

http://procuradores-igraim.com

The website was only registered on 25 June 2018 so is only just over a month old, yet according to the website they have been established since 1973 and have over 40 years experience. The email they use is [email protected] which again is not linked to the website but is another free email provider such as gmail or yahoo.

The address they give  Calle Yamun 23, Edif. Ifuami, Oficina 328D, Santa Cruz, 38009, Tenerife, when checking this address on google maps, guess what, nothing comes up!

It appears that this “Procurador” is also part of the Legalidades Abogados setup, (Litigious Abogados family). Remember unless you have instigated any legal action, any call to tell you that your timeshare company is about to be taken to court and you will be in for substantial compensation, it is all a lie, they are after your money and that is all.

Now for this weeks article.

Timeshares Affecting the Lives of our Veterans

Another Veteran Family

A Tahiti Village Timeshare Experience

July 31, 2017

Introduction by Irene Parker

Inside Timeshare reached out to Tahiti Village. I talked to a Tahiti reservation agent. He was very nice, explained Consolidated was bankrupt, and that we would need to contact Soleil Management as to their response to this article submitted by a Tahiti owner, who wishes to remain anonymous. The Tahiti agent took my information and said he would forward to Soleil.  We did not hear back.

By a Discouraged Tahiti Village Member

Inside Timeshare can forward comments to this Tahiti member requesting anonymity.

Nevada and the businesses and agencies operating within it have no intention to do anything about timeshare fraud, so I hope the court of public opinion will be more effective. Please Share my article on your Facebooks to let people know about timeshare business practices and to seek answers to questions you should ask before signing any timeshare contract. If you don’t, you may find yourself stuck in a timeshare trap as we are.

I am writing this article to let people know about our Tahiti Village timeshare experience. I hope to warn other people to ask the right questions, so they don’t find themselves saddled with a timeshare they can’t get rid of. We made our last payment December 2017. I last heard from Tahiti Village in April. We have always had good credit, but now, as seniors, we face foreclosure.

I retired from a ATT & T, so I understand customer service. Our experience with Tahiti customer service has been disappointing. When I wrote good comment cards, Tahiti would respond, but when I submitted our concerns, Tahiti ignored those comments.  

When searching the internet, I found this email address from a member seeking other members who wish to pursue a class action lawsuit against Tahiti Village:  [email protected]

https://www.ripoffreport.com/reports/tahiti-village-scam/las-vegas-nevada-89119/tahiti-village-scam-shannon-deceptive-sales-lies-and-misrepresentation-of-facts-l-1432118

Tahiti Village has a Better Business Rating of A+ despite two of two negative reviews.

https://www.bbb.org/southern-nevada/business-reviews/resort/tahiti-village-vacation-club-in-las-vegas-nv-77371/reviews-and-complaints?section=reviews&reviewtype=negative

We have been Tahiti Village timeshare members since 2008. We enjoyed our Tahiti experience for several years until 2015 when we were steamrolled into purchasing an upgrade. By 2012, things had changed. Once when we checked in, we discovered our unit was nasty, the carpets were worn, the couches ripped. One year there was a bad smell in the master room. They just sprayed deodorizer, which did not help. The next year the microwave did not work. As we were checking out they brought the microwave. This is what our maintenance fees are supposed to cover.

Pressure to upgrade ensued. After one presentation, we felt like we had been held hostage after a four hour sales. We ended up upgrading from a fixed to a floating week with RCI. Since then, many things have happened that have turned what was a bearable irritation into an unbearable nightmare. In addition to seeing the fees rise, we now realize we were pressured into purchasing a timeshare product that we never really wanted in the first place. It is a timeshare product not worthy of what we are paying.

My husband, a Navy veteran, served his country for 20 years. Our Armed Forces Vacation Club benefits far exceed this timeshare. We paid Tahiti our hard-earned money for a product that has never lived up to its billing and has been a source of much stress.

As we explored ways of getting rid of our timeshare, it became apparent that many things we were told were not true, including

  1.    The timeshare is an investment that would appreciate in value,
  2.    We would be entitled to tax breaks,
  3.    We could rent the timeshare to pay maintenance fees,
  4.    The timeshare would be easy to resell, assisted by Tahiti.

So, after 10 years of paying for a timeshare that we were told would appreciate in value, could be rented and could be sold for a profit, we are left disappointed and angry. You can sell a house, even with a mortgage, but it seems there is no way out of a timeshare trap.

At times I stayed at Tahiti without my husband. If he was not with me I was treated markedly poorer. I felt that this is because they would always try to upgrade us if we were staying there together. When my husband was not with me, the customer service was worse, and the rooms were of a lesser quality. If we had a problem, even when staying together, reception would tell us they would look into our concern without ever doing so. One time,I asked for a first floor room because my daughter was on crutches and we ended up with the furthest room on the fifth floor. It seemed the only time we were treated with respect was when they wanted more money. This has been a source of irritation through the years, but not enough to warrant action.

When I wrote directly to Tahiti Village Resort asking to be released from this timeshare, I received no reply. I wrote to Soleil Management. They told me that they were not responsible for any misrepresentations that may have happened at the presentations because they were carried out by Tahiti Village Resort and they were merely the managing agent. Tahiti Village Vacation Club also said they were not responsible for any wrongdoing.

I wrote to ASNY, who claimed to be the developer and seller of the resort, as well as the managing agent for Tahiti Village Vacation Club. They said they were not responsible for any complaints about the quality of our stay and we should contact Soleil Management. They then proceeded to give me the usual spiel about how I signed the contract and they were innocent of any wrongdoing perpetrated by the sales staff. They also said that because we had been customers for 10 years, we had no case so would no longer correspond with us. (Inside Timeshare comment: Where have we heard this before?)

According to Ripoff Report, Tahiti is also known as Consolidated Resorts but have learned Consolidated filed for bankruptcy protection:

https://www.ripoffreport.com/reports/tahiti-village-consolidated-resorts-soleil-llc/las-vegas-california-89145/tahiti-village-consolidated-resorts-soleil-llc-tahiti-village-soleil-management-awsuit-479999

Why is the length of time we owned the timeshare be relevant if we always believed our timeshare was an investment that could be sold if need be? It wasn’t until we wanted to get rid of the timeshare did we learn we had been lied to. If you are in a dead-end relationship and your partner decides to go one step further and punch you in the face after 10 years, should you have no recourse?

So far, we have filed a complaint with the BBB and had our complaint dismissed before any real dialog took place. The Nevada AG referred us to the Real Estate Division. We filed with the Real Estate Division, who said they could not help.

In my opinion, Nevada, and the businesses and agencies operating within it, have no intention to do anything about this so I’m hoping the court of public opinion will be more effective. Please share my article on Facebook to let people know about our Tahiti Village experience and to warn potential buyers to do their homework before buying any timeshare.

Comments from Irene

The public, especially the military, need to be aware that a decision to sign a timeshare contract means signing a contract in perpetuity, often with no secondary market. Maintenance fees have a tendency to increase, so the timeshare can easily become cost prohibitive, even when there is no loan outstanding. Attorneys General investigations and settlements are appreciated, but seem to be only financial speed bumps in the life of a timeshare company. There has been no federal enforcement.

When a timeshare has little to no secondary market, even if you spend $100,000 or more, there is a good chance you might not be able to sell it or even give it back. Scams abound, promising to get you out of your timeshare or your money back. A few of these companies are legitimate, but several readers have reported they did not receive their money back, even when the timeshare returned to the developer due to foreclosure.    

Inside Timeshare has received timeshare complaints from 63 active duty and retired military and law enforcement personnel. Some of the active duty members are concerned about losing their security clearance due to timeshare foreclosure.   

Whistleblowers of America is an organization dedicated to seeking justice for veterans and Active Duty military. WoA presented a Timeshare Advocacy Group™ report to a Joint Committee on Veterans Affairs March 14, 2018. We hope lawmakers will wake up and do something about this. If a timeshare member is helped by our efforts, we encourage a donation to Whistleblowers of America.

www.whistleblowersofamerica.org @whistleP2P

601 Pennsylvania Ave, Washington, D,C.

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™ 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.

Thank you to our Veteran for their story, they also wished to remain anonymous, also thanks to Irene for the hard work you put in to edit and write the introductions for many of these articles. In Friday’s Letter from America we will be publishing the Better Business Bureau Timeshare Report, which also has some very interesting recommendations to the industry.

If you have any questions, comments or even would like to have your experiences shared with others, then contact Inside Timeshare using our contact page.

Have you been cold called by a company offering any service from resale, claims or relinquishment, or even found one on the internet and want to know if they are genuine, then use our contact page and Inside Timeshare will point you in the right direction.

Remember doing you due diligence and homework will save you your hard earned cash.

Friday’s Letter from America

Welcome to this weeks Letter from America, today we publish an article from a new contributor, Meryl Stefan, with the introduction from our very own Irene Parker, but first a quick look at Europe.

Another warning is being issued on a fraudulent resale company which has just come to our attention, Mundo Tours Viajes SAC, with the address, Calle Serrano 78, 28006 Madrid – Spain, Tel: +34603108836 a Spanish mobile,  fax +34 917693079, a Madrid number. The email address is [email protected], which is an email  address provider just like gmail or yahoo and is not linked to any company website. None of the registration numbers show up on any Spanish registry and are false, Licencia S.A. 253797/ES , Registro mercantil 679-369-GOY-98.

There is a genuine Mundo Tours SAC, but this is registered in Lima Peru and is a genuine tour company, it has nothing to do with this operation in Spain. The paperwork sent to the client even has the logo of the genuine company at the top, including the company name as it appears on the genuine website. Again we see a fraudulent operation using the name of a genuine company to give some credibility when you do a search on the internet, this is a ploy that has been used for many years.

Click to see a PDF of the letter.

mundo_tours  

According to our information they tell the timeshare owner they have a buyer for the timeshare, this buyer has offered a substantial amount 27,000€ and is a guaranteed sale even naming the buyer! The only thing is to get the sale underway and sort out all the legal paperwork and transfer, a large sum of money is required. In the case of our reader, this amounted to 2,900€, which needed to be paid upfront!

Remember, as far as resales are concerned, there is no resale market, timeshares do not sell for the fantastic amounts these companies tell you, there are no “guaranteed” buyers. Just look on ebay, people can’t even give them away, even if they are fixed weeks and cheap on management fees!

We have also had a few emails from readers who have been asking the question on The Timeshare Association, another website trying to fool owners that they are genuine and concerned about owners. They have all asked the same question and it is the logo that has confused them, “we thought the Timeshare Association was part of TATOC, and they no longer exist, is this Timeshare Association the same as the logo is very very similar to the original?”

Simple answer is NO they are not the original, they have hijacked the name and the logo, again this little enterprise has none other that David Cox from TESS behind it. How do we know David Cox is behind it, they tell you on the website, plus just read the news, it is unmistakably Cox’s writing, full of grammatical errors, sentences that don’t make any sense and his usual diatribe against all and sundry.

The one problem is that the names that are the front for this website are the ones in the firing line when it comes to those being slated take the matter to court. They are the ones who are the “company” and therefore will be the ones held accountable. Do they actually realise what they have let themselves be drawn into?

We let you the reader decide on that one, now on with our letter from America.

Americano Beach Resort – post Hurricanes Matthew and Irma

What does the Future Hold?

By Meryl Stefan

Introduction by Irene Parker

July 27, 2018

Inside Timeshare published our first Americano Beach Resort article June 19. Since then we have heard from several Americano owners wondering what their vacation future holds. Obviously, no developer benefits by keeping a resort closed unnecessarily. The issues at stake are complex for both sides.

ARC has a public website that provides construction updates. According to the website, work is progressing. The installation of new windows is underway. One major area of concern to owners is the possibility of additional special assessments. According to ARC FAQs, no additional special assessments are planned, but that uncertainty remains, especially for seniors on a fixed income.    

http://www.americanobeach.com/irma-update-center.html

From our prior article:

Americano Beach Resort, a/k/a The Suites at Americano Beach, now managed by ARC Resorts, LLC, has been shut down since a few days before Hurricane Irma hit Florida in September 2017. http://www.insidetimeshare.com/the-tuesday-slot-with-irene-9/

By Meryl Stefan

We have been an Americano owner for 22 Years. One of our primary concerns is the special assessment of $1,834 levied because of hurricane damage and the possibility of future assessments. We can accept that increase might have been necessary, but on top of possible additional special assessments, it’s too much for many seniors like us living on a fixed income.  

Hurricanes can’t be predicted, but I feel that by now ARC should have been able to determine how much money will be needed and how much owners will be required to pay. If this was a one time assessment of $1834, we would understand that there could be a shortfall in insurance. The ambiguity of possible unknown assessments has forced us to walk away because of not knowing the extent of the liability. In addition to the special assessment, we paid our 2018 maintenance fee, booked a week for June 2018, but then learned the reservation had been cancelled.  

We originally paid $6,500 for a floating summer week. Maintenance fees in 2016 were $899. In 2017 they increased to $1,086. We never had a problem paying annual maintenance fees. We had always been able to book any week as long as it was 60 days in advance. I always paid my maintenance fees in January and then booked our week.

I am 65 years old, and my husband John is 75. We just don’t know what to do. We have always been responsible citizens. This is painful for us, and I know it is for many others as well. We had two other timeshares which we gave away to friends and family. We wanted to keep Americano so that we could vacation there every year with our family.

We attended one ARC meeting June 2017, after hurricane Matthew, but before Irma, after ARC acquired Americano. They tried to get us to buy into a different plan, which required more money. We declined. ARC agents wanted us to upgrade. They showed us many pictures, but the plans did not seem practical. We did not like the remodel proposed.

Comments from members,

We have heard nothing as far as an opening date other than possibly January 2019.  One member reported that he had heard it could be a couple of years before it might open. New windows are being installed but nothing has been done on the inside as far as anyone knows.

Since June 1, there have been 72 units deeded back to the Association. Some who have deeded back are under non-disclosure agreements so cannot reveal the circumstances.  Some claimed hardship, some are individuals who may have completed special warranty deeds and have submitted them to the court for filing.

The Freedom 365 plan (described below) has been purchased by some members, but other members have reported that they will not pay special assessments; although some have paid, hoping it will open.  

Many Americano owners are senior citizens now. The majority just want out of their obligation.  Some have hired attorneys but members should do due diligence before retaining any lawyer or timeshare exit company, as scams abound.

ARC has offered owners at all their resorts the opportunity to get out of the perpetual deeded timeshare by deeding the property over to ARC via the new Freedom 365 plan.

http://perspectivemagazine.com/060320175942/arc-delivers-membership-adaptability-with-freedom-365

https://www.insidethegate.com/2017/03/arc-delivers-membership-adaptability-with-freedom-365/

One owner reported that ARC Freedom 365 requires a purchase price ranging from $12,995 to $21,995. Another owner reported being quoted $5,000. For some seniors on a fixed income, spending more money is not a viable option. One member expressed reservations about Freedom 365, because she said she would need to book one year in advance. A member provided this description.

The Freedom 365 Platform gives you unlimited weeks of travel in timeshare accommodations for $299, any size, any season, anywhere. Additionally the ARC Platform gives you access to inventory not available through RCI or II at great rates!

Our future retirees love the fact that they will have travel dreams fulfilled in their retirement with our RENEWABLE CURRENCY (Savings Dollars)! A currency that not only allows them to get GUARANTEED best rates on hotels and cruises but restaurants, and thousands of everyday products and services!!

Additionally we offer the opportunity for you to discover Europe without paying for your accommodations through our Heritage Program!

Let’s take a look at your options. Do nothing, keep your unit, and in ten years you will pay over $12,000 (without inflation or assessments) and get 1 week of vacation every year. You will have an expensive week of vacation, a liability that will continue to get more expensive and difficult to opt out of.

Trade in your unit and replace them with the Freedom 365 platform and a Deed to a 2 bedroom at Magic Tree, our ARC resort in Orlando if you are interested in continuing to own a deed or have RCI points (the maintenance fee is $600 per year but is given back to you in Savings Dollars to use for future travel or to purchase products and services 365 Days a year)

Trade in your unit, have no deeded liability and use the unlimited weeks through Freedom 365 for $299 for all of your travel needs. Additionally you will enjoy $2000 savings dollars per year to travel to hotels, take cruises, purchase products, entertainment and even restaurant cards using your renewable currency.

ARC worked in cooperation with RCI Club 365 on ARC’s Freedom 365 plan:

The benefits of Club 365 are wide-ranging, with multiple uses for affiliates in North America. Club 365 can be seamlessly integrated into virtually any sales process, and can be utilized to best suit business needs by serving as:

  • A low-cost, value-added benefit to enhance core product offerings
  • An enhanced purchase incentive to increase closing rates
  • A strong non-buyer program to increase revenue and build the pipeline of future prospects

https://rciaffiliates.com/north-america/en-us/rci-news/rci-launches-club-365-to-deliver-year-round-benefits/

From the FAQs found on the ARC website

In addition, ARC sponsors a travel & leisure discount program called Freedom 365 which affords its members steep discounts on cruises, hotel & resort stays and consumer products. ARC Freedom 365 is not a deeded product, and the Member may remain so for as long as they like or may cancel their membership at any time.

From Irene

Americano members are seeking answers they hope will be forthcoming. Posting answers to questions on the ARC website helped me understand the situation better. It looks like there is a long way to go, but progress is in the works. Owners hope to be able to vacation with families and friends as they have in the past.  

If you or anyone you know has a timeshare story to share, or needs help with a timeshare issue, contact Inside Timeshare or one of the following self-help members sponsored Facebooks and websites. Remember not to pay anyone to get you out of your timeshare without checking with Inside Timeshare or one of the self-help groups below. Meryl paid two exit companies $395 each to get out of her timeshare, to no avail.

This Better Business Bureau report, released July 24, 2018, is the subject of next Friday’s Inside Timeshare:

In this report, we look at all aspects of the timeshare process — from buying an initial property to attempts by businesses to sell consumers on vacation club memberships to consumer endeavors to divest themselves of their timeshare investments. BBB advises consumers to use extreme caution when considering the purchase of a timeshare or vacation club offering.

https://www.bbb.org/en/us/article/news-releases/18149-dont-fall-for-deception-pressure-and-traps-disguised-as-vacations-a-better-business-bureau-study-of-the-missouri-timeshare-vacation-club-industry?bbbid=0734

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

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

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

Thank you Meryl and Irene, a very informative article, we just hope that some kind of resolution is forthcoming. Next week in our Tuesday Slot we highlight another Veterans “Nightmare on Timeshare Street”, this contributor has requested anonymity which we have agreed. We welcome our readers to submit their stories, we will always respect their wishes if they wish not to be named.

Well here we are again the end of another week, Friday and the weekend beckons, whatever you are doing, having a BBQ or just relaxing down at the beach or pool, have a great weekend and join us next week.

The Tuesday Slot with Irene

Welcome to this weeks Tuesday Slot, this week we welcome a new contributor Diane Creiger, with her article Elder Advocates, but first a quick update on the article published yesterday regarding Anfi Tauro Beach.

After publishing it became apparent that this news was still breaking in the Spanish press, with the publishing of more information regarding the demolition of the shacks and the company employed by Anfi to carry this out. Canarias Seminal published

“UN COMANDO DE BOXEADORES PENINSULARES VIAJA A GRAN CANARIA PARA DERRIBAR CHABOLAS (VÍDEO)”

(A COMMAND OF PENINSULAR BOXERS TRAVELS TO GRAN CANARIA TO DEMOLISH SHANTIES (VIDEO))

http://canarias-semanal.org/not/23270/un-comando-de-boxeadores-peninsulares-viaja-a-gran-canaria-para-derribar-chabolas-video-/

This follows from the El Diario article “Violento derribo de chabolas en Tauro”

(Violent felling of shanties in Tauro)

https://www.eldiario.es/canariasahora/sociedad/Violento-derribo-chabolas-Tauro_2_794790515.html

With following photo posted on facebook:

(These are the sicarios and godosjediondos of the business  DESOKUPA traids by Santana Cazorla and the government of the Canary Islands from Spain to curb the Canaries with their corrupt laws of eviction and appropriate the public domain ¡¡¡Espabilate Canario that you eat the jediondo godo!!!) (Apologies for the translations)

I just wonder how all the members at Anfi feel that their “club” is a party to this type of behaviour?

Now on with today’s article.

“They told us if we did not give up our deeded timeshare, our children would be sued and their credit would be ruined. I recorded the presentation.”

A frequent timeshare member complaint, reported by our readers, concerns faulty estate planning advice given to members concerned about passing on a timeshare liability to their children and heirs. Members say they are told their children will be responsible for the timeshare unless they give up their deeded timeshare and buy timeshare points. Timeshare members should receive estate planning advice from their estate planning lawyer, not from timeshare sales agents. Irene Parker  

By Diane Creiger

July 24, 2018

I am writing to let seniors know how financially devastating a timeshare decision can be. I am 74 years old and my husband Tom is 77. We bought Diamond points only because we were repeatedly told our heirs would be responsible for maintenance fees if we did not give up our deeded timeshare. We have learned this was not true. We were given false estate planning advice.

In Branson, June of 2014, our sales agent Kimberly told us three times, “Your children will have to take this timeshare whether they want it or not.” I had asked what would happen if our children could not pay the maintenance fees. Kimberly said our children would be sued and their credit ruined. I recorded this in-person presentation in Missouri on June 18, 2014. In Missouri one party recording is allowed. Kimberly was very threatening.

On the recording, DRI sales agent Kimberly states, “The HOA companies want their maintenance fees and they say this will go to your kids whether they want it or not.” I asked, “what if they can’t pay it?” Kimberly replied, “Then the HOA has the right to sue your children and ruin their credit. If you have a deed, which you own, that’s what we are looking at here today. That’s the difference between Diamond and what you have.” She repeated, “If your kids don’t want this, they still have to pay the maintenance fees on it, regardless. This will be willed to them whether or not they want it. Your kids do not have a choice.” That sounded pretty threatening to us.

We did not buy then, but worried about the liability we would pass on to our children, we purchased 4,000 vacation points later in Florida, only for this reason. The Florida sales agent told us the same thing.

I learned this was in no way true in our situation, but now made worse because we used a credit card to charge the purchase. This debt could complicate our estate settlement. In other words, we had no estate problem, UNTIL we gave up our deed. With a credit card liability, the settlement of our estate could be jeopardized by this outstanding debt.

I reached out to Diamond Resorts Consumer Advocacy, Diamond CEO Michael Flaskey, Diamond’s PR Firm Prosek, Barclays President’s office, the National Timeshare Owners Association, the Better Business Bureau, the Florida Attorney General’s timeshare division, the Florida Attorney General’s Senior vs Crime Project, and AARP. The Senior Sleuths never responded. There seems to be no timeshare enforcement. We feel trapped. Everyone responds, “You signed a contract.”

After numerous attempts to resolve our dispute, I received an unusual call from a Mr. Edward Florez. Mr. Florez stated his department was recently set up, and his job recently created, because Apollo Global Management wanted their customers to have the best customer service available and that is why they created his office. Mr. Florez said he had been a police officer for 20 years. He said he wanted to help me. I was informed our account is now a corporate account and we are to deal only with him. Mr. Florez allowed me to record our call, which is a first. He was very explicit that we should not go to any more timeshare updates, unless we wanted some particular gift. He said there was no reason for us to experience so much pressure.

I told Mr. Florez that six different salesperson had told us about the problems our heirs would experience inheriting the deeded timeshare we owned before Diamond acquired our resort. Mr. Florez agreed this was not correct. He said that there may have been a few sales people who needed to be brought up to their (Apollo’s) level of customer service.

I asked Mr. Florez why our maintenance fees had increased $500. He said this was an “impact” fee that occurs when a deeded owner gives up their deed. I said that would mean our maintenance fees should not go up because of this being a one time fee. He laughed and said “I will never say that.”

I then became a little forceful and told him I was thinking about writing some articles, and writing letters to AARP, DoJ, and Consumer Affairs. I told him that the senior community needed to be warned and the Department of Justice needs to look into the timeshare industry. There was a lot of stuttering on the other end of the line.

Diamond’s CLARITY program is about Diamond members receiving clear, concise, accountable, transparent information. We received the opposite of accountable and transparent information.

As a last resort, I reached out to Apollo Global Management. After contacting Apollo, I received a call from Diamond corporate within an hour. I was encouraged, only to be told no one will talk to me anymore. I was informed I must send my complaint snail mail to Diamond’s corporate office from now on. I feel like I have been sent to the Principal’s office.

We feel our Diamond Orlando sales agent Randy used deceptive tactics to coerce us into giving up our deeded timeshare by telling us the following:

  1.  Randy said if we did not give up our ILX (Arizona) deeded timeshare our heirs would be responsible for maintenance fees. We had heard sales agents at five prior sales presentations make this same claim.
  2. Randy told us that once we had completed and paid for our Diamond purchase we could walk away from Diamond at any time with no repercussions. No misunderstanding here. I asked this question pointedly.
  3. Randy said our current maintenance fees were much too high. He said our maintenance fees may not go up if we converted to points. Randy explained that this was because our deeded week was in a small pool. He said points are in a much larger pool which serves to dilute the fees. After we converted to points our maintenance fees went from $2,000 to $2,500.
  4. When I asked Randy about the $500 increase in maintenance fees, he just said we could deduct the fees on our income taxes. When I told him the IRS doesn’t allow maintenance fees to be deduction, he replied, “Well, many people do it.”   
  5. After signing a few papers, we were directed to the office of a DRI QA agent. She had us sign numerous documents electronically which we could not entirely read. We signed in a master block, and then were told to tap the blank blocks. One of the blank blocks stated that Diamond could not raise our maintenance fees more than 25% per year. We could not read this until we reviewed the hard copy after we returned home. We would never have signed a document that allows maintenance fees to be raised by 25%.
  6. The initials on the documents are not mine. My initials are DMC, but the contract shows DMN.
  7. When we told Randy and the QA agent that we were electronically inept, they suggested we attend a training class on the use of the Notepad. We received a letter stating we were to attend a “New Member Orientation” at Cancun Resort in Las Vegas. We incurred the expense of the airfare to Las Vegas, in addition to other expenses. When we showed up for our orientation we were told there was no such thing as a New Member Orientation. We were furious. All they did was try to sell us more points.  

We have not used any of the Diamond points we purchased. We have asked Diamond to return our $16,000 that we paid for 4,000 points. We are even willing to forfeit our ILX deed for which we paid $19,000 to get out of this nightmare.

When Diamond calls us, they record the call, but when I ask if I can record the call, I have repeatedly been told no. This is very intimidating, especially to seniors who feel they have been victimized. They say it is against company policy.

I had the opportunity to sit on a federal grand jury from January of 1999 until June of 2000. I understand the patience and determination it takes to get to the bottom of a situation and to seek justice. I will not give up. I have learned we are one of many seniors who bought Diamond points and were told if we didn’t give up our deeded timeshare our heirs would be responsible for maintenance fees.  I have joined our Diamond member sponsored Facebook.  

In my complaint I included:

If the decedent left a will and named you as a beneficiary and you decline the bequest, most states treat the event the same as if you had predeceased him. The executor must probate the will as if you had died and were no longer available to accept your inheritance. Your bequest will then revert back to the estate. info.legalzoom.com/happens-someone-refuses-accept-inheritance-21217.html

We also had a terrible experience in Sedona at Los Abrigados. They put us in a handicap unit, which we didn’t need. The room was dirty with the contents of a broken colostomy bag that had dripped 15 feet across the carpet. We took pictures. They would not accommodate us with other lodging. We had our children and grandchildren with us. All they did was put rugs or runners over the carpet until the next day when they cleaned the carpet. They only refunded our points after we complained.

Florida’s Seniors vs Crime project, Senior Sleuths never responded.

http://insidetimeshare.com/the-tuesday-slot-with-irene-8/

Thank you to Diane for sharing her experience and becoming our own Senior Timeshare Sleuth, volunteering her time to assist other seniors who feel they have been victimized by timeshare sales agents. We look forward to future articles.

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

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

https://www.aarp.org/aarp-foundation/our-work/income/elderwatch/report-fraud/

Thank you Diane, we hope to read many more from you, but I am sure that this will hit home to many of our readers.

Tomorrow we will be publishing the article about Marriott and their report to shareholders, which also highlights the fact that they are facing a plethora of lawsuits in Spain with a substantial amount set aside to cover the costs of this.

If you have any questions or comments on any this or any other article published, or just need information on a company that has contacted you, then use our contact page and we will get back to you.

 

Fridays Letter from America

Welcome to our Friday’s Letter from America, Irene Parker continues our theme of “Nightmare on Timeshare Street”, with this latest article about the treatment of “Seniors” by the timeshare industry. This article edited by Irene is from another new contributor Jang Park.

But first the latest breaking news from Europe.

Legal history has once again been made in Spain, the Supreme Court has issued another two judgements, numbers 121 & 122. These cases again involved the Tenerife timeshare operator Silverpoint, who has figured in a huge number of cases in the past year. They are also losing on an almost daily basis in the lower courts in Tenerife, this is a result of years of malpractice in the sales of their timeshare product which has seen hundreds of consumers lose thousands of Euros each. (See yesterday’s article, Silverpoint in the Courts: Criminal Action Vs Civil Action).

This weeks court figures are what can only be described as impressive, along with the two Supreme Court results there has also been the following:

In the Courts of First Instance in Maspalomas, Anfi del Mar has had EIGHT rulings made against them.

Silverpoint have also figured in the lower courts.

In the Courts of First Instance in Arona, Tenerife, Silverpoint has lost FIVE cases.

They have also lost in TWO cases in the High Court in Santa Cruz, Tenerife.

Diamond Resorts Europe Ltd have also lost TWO cases:

In the High Court number 3 of Santa Cruz, Tenerife, this court upheld the previous sentence from the Court of First Instance in Granadilla de Abona, which Diamond appealed.

In the Court of First Instance in Granadilla de Abona, Tenerife the client has been awarded over 24,000€, which also includes double the deposit illegally taken within the cooling off period. This particular case is interesting in that the company named is Sunterra Tenerife Sales SL, but under Spanish law Diamond are liable as they took over Sunterra members when buying out Sunterra years ago.

(See PDF files of the court sentences below).

Diamond 1st Instance

Diamond High Court

As usual all the contracts have also been declared null and void, leaving all clients timeshare free.

In all that is an incredible NINETEEN victories, totaling a massive 851,215.00€. This can only be described as a very expensive week for timeshare in the Canary Islands.

These cases were brought on behalf of these clients by the Gran Canarian law firm Canarian Legal Alliance. This does prove that despite what the industry is trying to tell people, these cases are genuine and the timeshare industry is losing.

Below is a video from a Spanish news program aired in December 2017 by TVE, which is the major state owned television station in Spain. It explains the Anfi appeal at the Supreme Court against a High Court ruling which they lost on the illegal taking of deposits. The Supreme Court rejected the Anfi argument that it did not take the deposits as these were paid to a third party. The Supreme Court rejected this appeal as the law clearly states that no money is to be taken within the cooling off period, even by a third party. (Law 42/98 Article 11 & Law 4/12 Article 13).

The video is in Spanish and is subtitled in English, it also has a short interview with Eva Gutierrez a lawyer from Canarian Legal Alliance.

https://www.youtube.com/watch?v=Of9a5iX3Mmg

In other news, last month the RDO (Resorts Development Organisation) announced that it was working with the Alliance of International Property Owners, to replace the discredited and defunct owners association TATOC.

This association is to be totally independent of the timeshare industry, it does represent those who own outright their properties abroad, so let us hope they will be more effective in protecting timeshare owners and helping to change the industry for the better.

Now for our Letter from America.

Another Senior Couple, Age 82, Driven into Timeshare Foreclosure

By Jang Park

June 15, 2018  

I am 82 years old, a California resident and a Korean American since 1978. I worked for a steamship company as an owner representative.

I submitted my complaint to my timeshare company March 31, 2018. I received a refusal from the company yesterday, June 13, 2018. I have asked Inside Timeshare to help me prepare an article to warn other seniors. I was a deeded owner for almost 20 years.We were happy with our timeshare.

We were willing to remain a timeshare member with this company if our last contract for 5,000 points, for which we paid $20,000, would be cancelled. We strongly feel these points were sold by deception.  Now we have to seek the help of an attorney or foreclose, but will work through Inside Timeshare to make sure we talk to the right people. We understand there are a lot of scams that offer to get you out of your timeshare but don’t. I will be filing the following complaints assisted by advocates. I have been told there is no charge to me for this assistance.

First: California Real Estate Division against the California sales agent  

Assisted by my CA Advocate

Second: Better Business Bureau – Assisted by my NV Advocate

FBI, resubmitted due to now six complaints against this sales agent

Federal Trade Commission

AARPhttp://AARP

I have learned through the advocacy group we are the sixth member to complain against this same California timeshare sales agent. I am #6.

Complaint #1  

RB, a veteran “We upgraded in California ONLY because this sales agent said our heirs would not be liable for maintenance fees if we gave up our deed. The sales agent said he used to be a financial advisor. We bought 15,000 points for no other reason. We now know that the survivor benefit already existed. We lost $13,000.

RB worked as a contract specialist for Consolidated Edison. “I know, but when you buy cars and houses all your life, you don’t expect the real estate agent sitting across from you to be a bold faced liar,” he remarked.  

The agent said he would have to look at our contract, but our heirs would likely be responsible for the timeshare. I told him I would be willing to hire an attorney to fight that. He indicated it would be futile to do so as my timeshare company has top notch attorneys and we would not be able to win the case. He then said if we upgraded by buying 15,000 more points, we could avoid those issues. He also said the contract would be an annually renewable contract that we could walk away from at some future time.  

We were led to believe we could pay all our maintenance fees by opening their credit card and charging purchases. We later learned we would receive only $50 credit for qualified purchased for every $5,000.

Compliant #2 Ages 70 and 68 (resolved)

JM, Disabled Vietnam Veteran

First points purchased June 27, 2012

10,000 additional points purchased for $12,500

15,000 additional points purchased for $13,903

Number of points per contract:  30,000

Original Loan Amount: $49,900 @ 12.2441%

We feel we were deceived by the sales staff.  We had been deeded owners since 2001.

On 1/13/2017, we were asked to purchase a trial package. This sales agent advised us that our additional 15,000 points combined with our original 15,000 points would be worth $9,000.  He stated that the value of our points could be applied to pay our maintenance fees. We learned only some members can pay maintenance fees with points at only $.04 per point. He stated that we could take any points we did not use and apply them towards our maintenance fees. He then spoke of the opportunity to earn an additional $2,700 towards our maintenance fees by using the Barclay Credit Card. We learned we would have to charge over $270,000 annually to earn $2,700 towards our maintenance fees.

The sales agent said that with the few points we owned we would be stuck with the contract as well as our heirs, but said if we upgraded, our heirs would be released. He said there would be a letter in our packet stating this. There was no letter.

We were told that the bank would contact us with an interest rate change to 6% from the contracted amount of 12.2441%. That did not happen.

In a phone call they said they had no reason to cancel our contract and that we never mentioned being told that we could sell our points to pay for maintenance fees.

The 6/26/17 written response from the company not marked confidential.

You were in fact properly advised on the fee structure of your ownership per your contract. The findings also went on to confirm through the use of Barclays and the use of Member benefits you can reduce or apply redemption gained back by your choice to your maintenance cost. They found an area of miscommunication regarding your heirs being liable. The information conveyed (but in contradiction to the sales agent) explained that no one is bound to ownership. The on-going correspondence referenced has been forwarded and we have now provided you with a summary of those correspondences in the details aforementioned. Please feel free again to let any of us or myself of course know any other questions you might have.

Complaint #3 GB

7000 points purchased August 2016

Purchase price: $22,975.20

I told this CA sales agent I wanted to sell our timeshare points online to pay for the maintenance fees and loan payment.  He said it wasn’t allowed but he would privately show me how to do this and gave me his cell number. I called numerous times and he never answered. He told us when we upgraded we would have access to multi-million dollar homes. He said we could rent those for a week @ $10.000 and he would show me how when I called his cell.

Complaint #4 AP

1500 points purchased for $6,975 at an October 2016

The presenter said we were not full members and we should have received a letter to go to full membership. We never received a letter.  He then gave us an option of a deal that would only be good right then but we would have to buy 1500 more points to become full members. He made this seem like a huge deal because upper management would not want to give us this deal but they were working with us so that we would be happy.  He informed us that what we had was worth nothing now and we would have to upgrade to be able to use any benefits.

#5 DT, over 85 years old

40,000 points purchased December 2017 for $116,400

Amount financed: $93,870

Maintenance fees $13,000

At the December meeting we were told we could pay all our maintenance fees turning in points. When we contacted the company we were told that we could only pay $2,000 of the maintenance fees turning in 50,000 points.

We were told we could give it up and walk away if we purchased more points.

I am complaint #6 against this same sales agent

I purchased 5000 points for $20,000. The California sales agent told me I could pay maintenance fees by redeeming points at $.20 per point through the 20/20 program. I confirmed this more than five times with his agreeing when I said there should be some $250 left over after paying our new maintenance fees of about $2,800 with his writing down on the working paper, which he refused to give me after the presentation when I asked.

He said if we get their sponsored Visa Card, they will put $1,000 cash to our credit card account as an Honored Member. When we said we will have two cards, each for me and wife, he said $500.00 of cash will be credited to each account. It was not so important benefit compared with above no. 1, but was found a lie.

The sales agent said we can exit from Timeshare Ownership at any time without any obligation, which his manager confirmed true.

In 2015 we gave up our deeded timeshare. We were told there is no cap on maintenance fees for people who hold a deed. This was not true. We were told there is a 5% cap on maintenance fees increases for points if we gave up our deed. This is not true. We purchased 10,000 points. The sales agent said we could sell the points if we needed to. He gave me the name of a company that could sell the timeshare if we needed to.

The agent said it is almost impossible to sell a deeded timeshare, but timeshare points can be sold easily for about $15,000. He checked with IPhone and gave the following companies to me:

  • Steve Likins – Hilton Head & timeshare sales, 843-816-1900
  • Jimmy ; 706-839-7798
  • Timeshare Resale USA.com; 407 345 9333

We tried to sell our timeshare, and attended about five times, timeshare exit companies’ presentation, but we found all of them asked some fees to get exit.

Thank you to Mr. Park and to all members hoping the public gets the Buyer Beware and do your homework message.

Self-help groups for timeshare members.

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

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

https://tug2.com/Home.aspx

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

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

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

Thank you Jang for your story, it is one we have become so familiar with over the past year or so, ever since we highlighted our first seniors article, we have been receiving a constant stream of similar complaints.

As we have said before, the industry is destroying itself by allowing their employees to lie and cheat, then take no responsibility for those actions. We keep hearing from all quarters, “ We are not responsible for what our sales agent say”. That is the weakest get out imaginable, they are your employees, they are selling your product, they represent your company. It is about time you as an industry took responsibility and changed for the better.

Timeshare could be a good product, the complaints are around the sales not the resorts, accommodation or the resort staff, in this area it looks like the vast majority are happy owners / members.

We are not against business, but we are against business purely for greed, which is what the timeshare industry has turned into.

If you have any comments or questions about any subject in this article or any others published, then use the contact page and get in touch. If you are from the US you will be passed to our team coordinated by Irene. For those in Europe then you will be contacted directly from Inside Timeshare.

As usual we warn you to be vigilant when dealing with any company that contacts you or one that you have found on the internet, do your homework, check, check and check again. If you are unsure how to check, or you are not sure if what you are seeing is true, then contact Inside Timeshare, we are here to help and guide.

That’s it for this week, Friday is here, happy hour is calling, so have a good weekend and join us for more news from the world of timeshare next week.

The Tuesday Slot with Irene

Welcome to this weeks Tuesday Slot, today Margaret Chandler shares her “Nightmare on Timeshare Street”, with an introduction and editing by Irene Parker. This story focuses on the problems being faced by senior citizens at the hands of unscrupulous sales agents, this is being commonly called Elder Abuse.

We were actually hoping that this article was going to be pulled, but unfortunately we have not had any answer or reply from Wyndham, so on with the article.

For the Benefit of the Consumer and the Benefit of the Industry,

Timeshare Consumer Education is Important

Margaret Chandler shares her Wyndham disaster

Introduction by Irene Parker

If you buy a house and have a loan, you can still sell your house.

Inside Timeshare has heard from 443 mostly angry and desperate timeshare members, many seniors with 800 credit scores, facing foreclosure in their 70s and some even in their 80s. All report they were told their timeshare would be easy to sell or that the company would buy the timeshare back. Margaret contacted two licensed timeshare resale brokers. They both told her there was no demand for timeshare points.

I contacted Tom Tubbs of Island Consulting Realty. Tom has been in the timeshare resale business for 32 years. Tom said Wyndham points can be listed for a penny or a penny and a half a point. So, for example, 300,000 points could be realistically listed for $4,500. That’s quite a hit from a likely initial purchase price of $60,000. http://www.timesharestogo.com/

Margaret has filed complaints with the appropriate regulatory agencies, but chances are nothing will happen. Timeshare members tell us the Florida Attorney General’s timeshare division will say, “You should not have relied on verbal representation,” the Nevada Real Estate division will say, “You have no proof,” and the Texas Attorney General will advise legal assistance. With virtually no timeshare regulation, and few understanding at purchase the limited secondary market, more and more timeshare members have been contacting Inside Timeshare seeking straight answers. Do not pay anyone upfront money to get you out of your timeshare without checking with Inside Timeshare or one of the self-help groups posted below. Scams abound. We sent a draft of this article to Wyndham. They said they are looking into it.       

Elder abuse is “a single, or repeated act, or lack of appropriate action, occurring within any relationship where there is an expectation of trust, which causes harm or distress to an older person.” Wikipedia  

June 5, 2018

By Margaret Chandler

My name is Margaret and my husband is Edward. We are both 70 years old and Florida residents.  Edward is an Army veteran, E6 at discharge. Our timeshare nightmare started with Wyndham in 2012. I want to detail some of the lies we feel this company told us so that others can be forewarned. We have filed a complaint with the Florida Attorney General’s office, the Nevada Real Estate Division and the Texas Attorney General. We have also filed with the Better Business Bureau.

We purchased Wyndham points several times.

We bought 125,000 points in Las Vegas, Nevada in 2012.

We bought points a second time in San Antonio, Texas in 2013. We were told buying more points would increase our original point value to get more availability. This did not improve availability.

We could only find availability in less desirable locations.

We went to Hawaii in 2014 and bought what they said was deeded property.

We were told at Pompano Beach in November of 2014 we would be better off with non-deeded points. They took our Hawaii points. They said there would be higher maintenance fees with the deeded points because deeded points are tied to real estate. The maintenance fees did not go down.

We bought additional points in Atlantic City December of 2014. They kept telling us we would have better benefits at a higher loyalty level.

We bought more points at Daytona Beach January of 2017. They took two contracts and traded those in and added more points. Now all we own is points.

We still have the Nevada and the San Antonio contract in addition to Daytona.    

We are financially devastated.

Our experience started out fine, but got worse and worse. We ended up paying more and more money to fix a situation that never improved.  I imagine it’s something like a drug dealer hooking a new junkie. The first hit is for free. After that you have to pay more and more to get something that gives you less and less satisfaction.

Wyndham’s salespeople have always told us that they have our best interests at heart and that they are there to make our experience better. One salesperson even called me ‘mom’ and another invited us to her son’s wedding. Others were ex-teachers like me or said they had military connections when they found out Edward is a veteran. As a result, we have signed six contracts between 2012 and 2017 that have been upgrades, trades or merges.

The problem is we now feel that that the sales agents were not truthful about pretty much everything. We are both being treated for high blood pressure worrying about the money that we feel they have taken from us so dishonestly. Edwards’s face turns red and I can see the stress level increasing every time the topic of timeshare comes up. We cannot even talk about using it anymore, as he stresses too much. He wants us to be able to enjoy our remaining lives without the threat of bad credit, missed payments or annoying phone calls from Wyndham all day long. I keep telling Edward not to answer calls, but he forgets and answers anyway….then he becomes annoyed all over again.

Edward was working a part time job during 2016-2017 but gave it up because his blood pressure was increasing due to the worry over these timeshare loan payments. He has not been sleeping well which is another factor that is leading to his declining health.

Wyndham promised us the vacations of our dreams, an investment that would be something we could pass onto our children. One salesperson, Zadith, even offered to contact us in a year to help us deed it to our children. They said the Las Vegas location’s value would rise, Hawaii would always be in demand, and Bonnet Creek was a great one because it’s near Disney.

We had to book 13 months in advance to get a place in Hawaii and it has become harder and harder to find availability. Wyndham said there was no availability when we tried to book six months ahead in San Antonio, but online booking sites showed River Walk Wyndham was available. Now how does that happen that owners cannot get a room, but the rooms are available to the general public??

The Wyndham sales agents told us to go to the bank to get a line of credit after we returned home, using the properties as collateral, but we learned timeshares are not considered properties so we can’t refinance. We are stuck with a high interest loan.

Wyndham told us the contract would pay for itself with rentals and they would help us do that but when we tried to rent they told us it would cost 40% of the fee of the booked room to put it in the rental pool and if it was not rented we would have to cancel or lose our points. No one helped us with this complicated process. It was completely left to us.

They told us we could resell the timeshare with ease because timeshares are in demand but when we called Wyndham to do this they said we couldn’t because we still owed money on it. They didn’t tell us those were the conditions at the presentation. If you buy a house and have a loan, you can still sell your house. We were referred to two licensed resale companies that wanted to charge us 10% and 15% of the sale but told us there really was no market for timeshares because the market was flooded.

This was the turning point. Wyndham lied and pressured us into paying more and more money, each time telling us they would fix the problems, but each time we were saddled with more debt. Our ‘personal reps’ were never available. The latest one Zadith, from Daytona Beach, has not been in touch at all.  I tried texting her several times.

We are on a fixed income and we cannot keep up with the increasing costs. We are near the end of the money that we saved all our working days just to pay for these purchases. How can their sales people sleep at night after taking advantage of people that are hardworking souls and are honest and simple folks? They don’t have to lose sleep over our bills that are not being able to be paid. They are not worried about our blood pressures or our health. They just move on to the next victim.

We have written to Wyndham and they have offered to cancel our latest contract from 2017 but not the first two. We have tried to explain that the only reason we have so many contracts in the first place is because they told us the new contracts would fix the problems with the old ones. We are tired and exasperated and just want to be done with Wyndham.

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

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

https://tug2.com/Home.aspx

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

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

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

Thank you Margaret and Irene, once again it is a story we at Inside Timeshare are becoming very familiar with, it is a great shame that a once superb product is being destroyed by nothing more than greed.

If you have had a similar experience to Margaret or just want to comment, then use our contact page and get in touch with us. Inside Timeshare is here to give you a voice.

 

Friday’s Letter from America

Welcome to this weeks Letter from America, in this article which replaces the one scheduled, which we pulled once again at the last minute due to a very good response from the timeshare company, Irene Parker explains how US timeshare owners can file a complaint.

In Europe, Spain leads the way in protecting consumers of timeshare, we do understand that in the US, each state is responsible for their own laws, there seem to be no federal laws which govern the sale of timeshare. Europe has tried to unify how timeshare is sold, the unfortunate thing is that in many states the industry (with their large corporate law firms) have held sway.

Spain, which was one of the main areas where timeshare resorts were being developed, has suffered from the bad press associated with the industry. People being hijacked on the street while on holiday, bundled into taxis to endure hours of hard sell by unscrupulous sales agents. Although the blame must be on the sales and marketing companies,who paid only on results, commission only. Many start out okay, but the pressure to produce is enormous and an agent can be forced out by being given poor quality “ups” if they don’t produce.

The European Union developed a series of timeshare directives which each member state had to enact into domestic law, many have watered them down, Spain on the other hand decided that they needed to be strengthened and enacted Law 42/98.

This law came into force in January 1999, since then it has been strengthened by Law 4/12 along with the many Supreme Court rulings.

This now gives consumers more protection, no deposits within a 14 day cooling off period, no contract longer than 50 years, no points or floating weeks systems, with many other safeguards.

There are other laws which protect the consumer which are being used in the many cases coming before the courts, these include the civil consumer laws, mercantile law and by no means least, criminal law.

The way consumers are enticed to attend presentations has also been looked into, OPC’s are now regulated and licensed, unlike before. Infringements of the regulations can result in very severe penalties.

Timeshare in Europe has a very bad reputation because of the past, the original concept cannot be faulted, it is the greed around the sales that is to blame. We know this to be true due to the closing of many sales decks, with many of the sales agents now working for the “bogus” law firms and claims companies that are springing up on an almost daily basis.

Inside Timeshare is doing what it can to warn consumers of these companies, but as soon as we identify one there is another to replace it. Litigious Abogados is a great case in point, changing names every few months but the “scam” is the same.

It is only through the help of our readers that many of them are identified, as owners / members working together we will be able to protect the timeshare community.Now for this weeks Letter from America.

How to File a Timeshare Complaint (May 2018 revision)

Start with the Attorneys General Office

Timeshare Advocacy Group™

May 18, 2018

By Irene Parker

I have learned over the years that when one’s mind is made up, this diminishes fear; knowing what must be done does away with fear. Rosa Parks

Inside Timeshare received 425 US timeshare complaints as of May 16, 2018 (238 was the number of complaints reported as of our last revision 12/15/17). An escalation in the criminal nature of member allegations, especially those voiced by 45 active duty and retired military and law enforcement, led us to the FBI (9 members of the military/law enforcement reported allegations of timeshare fraud as of 12/15). Some fear they could lose their Security Clearances due to a foreclosure on their record. Active duty military feel this is a threat to our national security as just about anyone can get hired to sell timeshare points.

Members need to be especially vigilant about “Get you out of your timeshare” firms because many are scams. Timeshare Advocacy Group™ (TAG) has a scam research team formed by members who have themselves been scammed. Contact Inside Timeshare or one of the self-help groups listed below if you are contacted by someone you don’t know offering to help you get out of a timeshare.

This US Department of Justice timeshare scam report details the extent of the problem. Based on 425 complaints, our advocates feel the front of the timeshare sale contains a comparable level of criminal activity.  

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

Timeshare developers created the criminal cottage industry of transfer and exit scams by overreliance on the oral representation clause, iron clad developer based contracts, the lack of an adequate secondary market, and ingrained deception run amuck, according to reported complaints. The vast majority of our readers are highly professional, educated citizens with credit scores around 800 who have rarely been late paying a bill. Identical complaints, directed against the same sales agent, sometimes in cooperation with a manager or vice president, can establish a pattern of complaints.

It is one thing to say I am a sinner, but let someone else say that about me and then I feel it – I am up in arms. If I am falsely accused I may suffer, whereas if correction be found on even a small reality – something in me having deserved it – then often that hurts more. We must be happy that our faults are known as they are. Mother Teresa

With no way out if the timeshare company refuses to even acknowledge the deception, hiring a lawyer or foreclosure were the only options until real consumer advocates formed Timeshare Advocacy Group™ – bridging the gap between the developer and the member harmed. At times it felt like turning the Titanic, but closing gaps on social issues never comes easy and some causes take longer than a lifetime. Rosa Parks refused to sit at the back of the bus at great peril to her safety, but Rosa reached a decision that enough was enough and action was needed. It was a small action, but one that led to great changes. Educator and activist Parker Palmer explains: https://www.youtube.com/watch?v=fK0dXNK94BM

Almost all members have reported their timeshare company responded to their allegations of deceit with, “Sorry, you signed a contract” or “We are not responsible for what our sales agents say.” This knee jerk dismissal is backed up by some Attorneys General, via their timeshare divisions, responding the same. Unscrupulous timeshare sales agents realize this of course, so the hamster wheel of recycled inventory never ceases beginning with “It’s not a sales presentation.” If there is still truth in advertising, change needs to begin there.   

According to the FBI and to lawyers consulted, it is not legal to hide behind fine print, but it takes volumes of complaints to raise a regulator’s eyebrow. The Federal Trade Commission released its summary report of 2017 complaints listing travel, vacation, and timeshare as one of the most costly frauds at $1,710, although complaints we have received from members range from $25,000 to $400,000 or more. We wish members were only losing $1,710.   

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

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

According to the FBI,

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

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

Fraud for profit: Those who commit this type of mortgage fraud are often industry insiders using their specialized knowledge or authority to commit or facilitate the fraud. Current investigations and widespread reporting indicate a high percentage of mortgage fraud involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals engaged in the industry. Fraud for profit aims not to secure housing, but rather to misuse the mortgage lending process to steal cash and equity from lenders or homeowners. The FBI prioritizes fraud for profit cases.

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

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

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

The two most common complaints reported:

  • The agent said I could easily sell my points
  • They said I could pay maintenance fees by charging purchases to a credit card, neglecting to add only about 1% of each purchase is credited to maintenance fees. Some fell for bogus maintenance fee relief programs. Already struggling, they buy more points.

How Advocacy Works

Timeshare Advocacy Group™ is organized into seven teams:

  1. Team 1 is our Reporting Team. Once the timeshare member has related their concern or grievance, the member submits their written complaint to the timeshare company. If ignored or the member receives a negative response, the complaint is forward to one of six advocates assigned to a specific regulatory or law enforcement agency. For example, Sheilah Brust is our go to person for the FBI and the Secret Service. http://insidetimeshare.com/tuesday-slot-irene-4/
  2. Team 2 is our Legislative Team. Members on this team reach out to sympathetic lawmakers to advocate for better disclosure. It would be nice to know that the timeshare you just bought for $100,000 had little or no secondary market the moment you signed the contract. TAG has received an alarming number of complaints from seniors 75 to 85 who have signed timeshare contracts for $100,000 or more. Not one of the 425 members reaching out to Inside Timeshare realized their timeshare in all likelihood could not be sold, even when costing as much as a house.
  3. Team 3 is our Military Team. We encourage anyone who has resolved their timeshare complaint as a result of our efforts to make a donation to Whistleblowers of America. WOA is a non-profit that seeks justice for active duty and veteran members of the military and government workers. WOA has supported our efforts by helping to distribute our articles. Our timeshare fraud report was presented as part of a Joint Committee on Veterans Affairs March 14, 2018.  https://whistleblowersofamerica.org/
  4.  Team 4 is our foreclosure support group. Facing cruel and relentless debt collection calls can be an overwhelming experience for anyone who has rarely been late on a bill, but for those who have recently lost a spouse the experience is devastating. Some members of this team have been through this and are determined to stay involved to fight Elder Fraud especially.
  5. Team 5 is our Scam Research team. This team consists of members who themselves have been scammed. There is a very dark side to this illegal industry. We are careful in our approach.
  6. Team 6 is our Media Team. Given state regulators backing up the timeshare company by responding, “You should not have relied on verbal representation” or “You have no proof” the Court of Public Opinion and Outcry is the only court open in some states.
  7. Team 7 is our Technology team.  We have a support staff of volunteers to assist those without access to a computer due to age, illness or disability. This team also provides YouTube production support.

Contact Inside Timeshare or email Irene Parker at [email protected] or call 270-303-7572 EST if you are interested in becoming a volunteer. Feel free to call any day of the week from 1:00 to 5:00 PM EST. It’s best to schedule a call. All calls and emails are returned within 24/48 hours.

Now it’s time to begin filling out the form. Before you begin, raise your right hand.

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

Our advocates are not attorneys and we do not provide legal advice. We have researched regulatory agencies and are here to direct consumers to the appropriate regulatory and law enforcement agencies listed below. We have also developed media relationships and will continue to work with broadcast and print media to alert the general public as to what questions to ask before buying a timeshare. Life events can change your life in an instant or a day. If your timeshare provides no secondary market, it can make a member feel a hostage to their vacation plan. It’s a good idea to contact a member of the Licensed Timeshare Resale Broker Association to find out whether your timeshare has a secondary market. http://www.licensedtimeshareresalebrokers.org/

How to File a Timeshare Complaint

Name (s) and age of member

Phone Number

State of Residence

Member Number

For each contract in dispute:

Where Purchased and Date of Purchase

Number of Points Purchased

Sales Agent and Sales Agent ID# (if available)

Purchase Price

Amount Financed and Interest Rate

Current Loan Balance

Loan Number

Current Maintenance Fees

Name of Credit Card if one was used

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

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

If your investment is $40,000 or less and you owned and used your timeshare for ten years or more consider relinquishment. There can be no loan outstanding and maintenance fees need to be current.

Complaints expressing dissatisfaction with general availability will go unheeded as will a request based on not being able to afford the timeshare. You can’t go to your home mortgage lender and say you can’t afford it. The difference is you can sell your home. Your complaint should be filed with the FBI only if there are credible and serious allegations of deceit and bait and switch. If you feel you were deceived, list the reasons why.   

MOST IMPORTANT – Purchase Timeline

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

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

Depending on the seriousness of your complaint, your advocate may forward your complaint to the firm’s public relations office or firm and to ARDA, the timeshare industries PAC, for violating ARDA’s Code of Ethics. ARDA’s Code of Ethics can be found on ARDA’s website.

We do not recommend owners make the voluntary opt in or opt out ARDA ROC contribution on your maintenance fee invoice. It is the opinion of our advocates that although ARDA lobbies for the industry and for timeshare members, when the issue at stake is one that is at odds with members, members lose because they have no voice. We also forward your complaint to the Association of Vacation Owners. AVO has been tracking our complaints for research purposes. http://insidetimeshare.com/the-tuesday-slot-with-irene-3/

Mark your email to the resort urgent if you are in financial distress. It is best to file a complaint before the debt collectors are hounding. The member will report back to us if the issue is resolved. Due to the required non-disclosure or mutual release form, terms and conditions will not be discussed.

The FBI complaint website is called IC3.gov which stands for Internet Crime. This is a bit confusing. IC is the name of the portal. That doesn’t mean it has to be an internet crime. We think they should have a white collar crime option to avoid this confusion. Click IC3 as your choice when filing. https://www.ic3.gov/default.aspx

Serious allegations of fraud should be reported orally by calling the FBI field office’s public access line available 24/7 (see Sheilah’s article). Sometimes your local field office will pay closer attention than say Las Vegas, where losing money is a tourist attraction. You can find your nearest field office from this website.

https://www.fbi.gov/contact-us/field-offices

The next step is to file a complaint first with the Attorneys General of the state where you signed your contract and where you live. It can take a month or more to hear back from an AG but once your complaint has been accepted, debt collectors are not allowed to call. You can find any Attorney General by searching the state name and Attorney General.

If there was an unauthorized credit card charge or account opened or you feel you were deceived into signing off on a loan, you should file with the Consumer Financial Protection Bureau under the mortgage option (even if no mortgage) and select the bank that financed your loan or issued a credit card. This is the organization that helped Wells Fargo victims. The CFPB lost power after the roll back of the Dodd Frank act March 2018. The Dodd Frank act was enacted after the abuses caused by subprime lending. The CFPB is still considered a regulator. https://www.consumerfinance.gov/

You should file a complaint with the state Real Estate Division in the state where the agent is licensed if your complaint is against a sales agent. Your advocate can help you find the agent’s ID number. Timeshare sales agents are real estate licensed in most states.

File a complaint with the Better Business Bureau. The company’s BBB rating can be misleading in that the BBB only rates how efficiently a company responds to complaints. Sometimes the BBB allows you to log in and file a rebuttal.  

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

Summary of Regulatory and Law Enforcement Agencies

  • The FBI at IC3.gov portal if you feel you were deceived by a bait and switch. For allegations of a serious nature also contact an FBI field office to file an oral tip. Have your facts and figures ready.
  • Attorneys General where you signed your contract. Most AG complaints can be filed online.
  • The Real Estate Division of the state where the agent is licensed if your complaint is against the agent.  
  • The media – the court of public opinion is often the only court available. Inside Timeshare, published in Spain, publishes timeshare articles online focusing primarily on the need for reform and oversight.
  • The Consumer Financial Protection Bureau under the mortgage option selecting the bank involved. Timeshare has dodged this regulatory bullet because most members don’t even know the identity of the lender as the timeshare company often services the loan. Timeshare companies are not an option from the CFPB’s drop-down menu.
  • The Federal Trade Commission
  • The Better Business Bureau
  • Lawmakers – The problem is the timeshare buyer typically does not buy in their state of residence which is why lawmakers don’t seem to take timeshare seriously. Still, any effort to contact lawmakers is encouraged.

If this sounds like work, it is, but you can file with some, all, or none of the agencies. We have a team of advocates who can answer questions and help guide you through the process. We feel “Action and Advocacy” is the way to change questionable timeshare business practices.  

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

Who We Are and Why We Do This

Timeshare members contacting us are often struggling with maintenance fees and high interest rate loans. Venting on complaint sites has no effect whatsoever but an organized campaign to track complaints and report criminal activity has already born fruit in the form of Attorneys General settlements and a greater awareness.

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

I worked three years as a CASA supervisor, writing and editing court reports for Family Court on behalf of foster children. I find two commonalities between children of abuse, neglect or dependency and deceptive timeshare sales.

  1. The abnormal becomes the normal. After receiving 425 complaints, I fear deception is endorsed and encouraged by some timeshare companies. Of course not all sales agents are dishonest. Inside Timeshare endorses Disney Vacation Club because of their scarcity of complaints.
  2. Victims are silenced and isolated via non-disclosure agreements and arbitration. Buyers should opt out of arbitration immediately after signing a contract.   

There are many who use and enjoy their timeshare. My husband and I owned three timeshares for 25 years with no problems or complaints. After we attended a pathetically aggressive sales presentation in 2015, I began researching the industry, writing articles and assisting timeshare victims. My solo effort has grown to a network of 44 Advocates. We are not compensated. We are volunteers. We hope there will come a day our advocacy group is not needed.

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

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

http://tug2.net/

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

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

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

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

May 18, 2018 Irene Parker Timeshare Advocacy GroupTM

 

That’s it for this week, the weekend once again beckons so join us again next week for more news and information on the world of timeshare.

Latest news just in from the Court of First Instance Number 3 Abona Tenerife.

The judge in a case against Diamond Resorts Tenerife Sales SL, has declared the clients contract null and void. The infringments are the points system which has been made illegal, the contract in perpetuity, when the law stipulates that it should be for a maximum of 50 years and the taking of deposits within the cooling of period, which is also illegal even by a third party.

The client will now receive a total of £44,790 which includes double the deposit illegally taken, the court also awarded legal interest.

The laws in Spain have been put into place and strengthened by the Supreme Court to protect consumers, they are having a profound affect on the industry, which for too long believed it was untouchable.

Friday’s Letter from America

Today’s Letter from America by Irene Parker replaces the one that was originally scheduled, that article has been pulled as the company it revolved around has made a settlement in favour of the client. This is a result of the article being sent to the company for comment before publication, we just wish this happens more often.

A Disconnect between Wall Street and Main Street

Three more Seniors Driven into Timeshare Foreclosure

ILG’s stock rose about 5 percent on the news of the deal, while Marriott Vacations — paying $14.75 in cash and 0.165 of its own shares for each ILG share — slid 9.2 percent.

https://www.reuters.com/article/us-ilg-m-a-marriott-vaca/marriott-vacations-buys-ilg-in-47-billion-timeshare-merger-idUSKBN1I10ZX

Apollo Global Management (NYSE:APO) plans to take Diamond Resorts public, according to The Wall Street Journal

Sources indicate that Apollo is seeking a valuation of close to $4B for Diamond Resorts

https://seekingalpha.com/news/3347179-diamond-resorts-files-confidentially-ipo

May 11, 2018

Meanwhile, Introduction by Irene Parker

Inside Timeshare advocates on behalf of Active Duty military in danger of losing their Security Clearance due to timeshare foreclosure. Currently there are five battling this worry, including three members of the Navy, one Homeland Security agent, a defense worker, and a military paralegal. Veterans, from the ages of 28 to 83, including a double Purple Heart recipient, have reported allegations of timeshare fraud on the front of the sale, and difficulty selling timeshares they no longer want or can afford. Several of our veterans are combat disabled.             

Phyllis, Shirley and Marcy would like to share their timeshare experience to warn other seniors. All allege they were a victim of Elder Fraud. Shirley paid one of those “Get out of your timeshare” companies money to get out of her timeshare contract, only to be foreclosed. No one needs to pay anyone to be foreclosed. Now she is being taken to court by Barclays because her purchase was charged to a Barclay credit card. Marcy was called by another “Timeshare Exit” company. The caller said he was an attorney and told her the timeshare company would take her house and her Social Security benefits if she did not pay him $2900.   

The Consumer Financial Protection Bureau helped Wells Fargo victims when Wells Fargo agents opened bogus accounts. With the roll back of the Dodd Frank act, enacted to reduce mortgage lending abuses evident during the subprime mortgage debacle, happy freewheeling lending days may be here again for timeshare developers. Sources tell us there are few if any CFPB investigations.

Many of the complaints we have received are from timeshare buyers who tell us they had no idea credit cards had been issued and were told charging purchases to their Barclaycard would pay for their maintenance fees. Typically, around 1% of amounts charged can be credited to maintenance fees. Others were not even aware they had purchased a timeshare until they returned home.

Perpetual timeshare contracts, some with little to no secondary market, are signed via a tablet, technology foreign to some senior buyers. Seniors may be less comfortable with electronic tablets used to sign timeshare documents, but even those comfortable with tablet technology have reported it is more difficult to review documents on a tablet. Sales agents demand the buyer buy the same day the offer is presented with little time to review documents. Most report exhausting sales sessions that are aggressive and often last several hours.     

Inside Timeshare has received 421 timeshare complaints from our readers. Given we have received so many stories resembling Phyllis, Shirley and Marcy stories, Timeshare Advocacy Group is embarking on a nationwide media campaign to warn the public not to buy a timeshare without talking to their financial advisor, an attorney, or a member of the Licensed Timeshare Resale Broker Association. http://www.licensedtimeshareresalebrokers.org/

As a former stockbroker, I have nothing against great wealth. I wish we all had the foresight to grow old with Bill Gates and his stock price, but enormous profits gleaned by predatory timeshare sales and lending, coupled with timeshare exit scams has devastated the lives of hundreds of families, according to our readers, who did not understanding the nature of the developer based timeshare contract. Better Business Bureau reports, AG investigations, DOJ reports, and lawsuits galore support the argument that dream vacations can easily turn into a nightmare. As always, we know there are timeshare sales agents trying to sell honestly and many who are happy with their timeshare.  

Having followed timeshare stocks for three years now, my investing comfort level is with Disney Vacation Club. I have never described myself as a socially conscious investor, but having listened to 421 horror stories, my money is on Disney. Not one Disney member has ever contacted Inside Timeshare and the law firms I have surveyed tell me they have never had a Disney timeshare member seek legal assistance. Disney is a starter stock you can give to your kids and grandkids without regret. The following chart shows respectable profits can be gleaned from investing in Disney.

https://www.cnbc.com/2018/01/03/if-you-put-1000-in-disney-10-years-ago-heres-what-youd-have-now.html

Now on to Phyllis, Shirley and Marcy, three Inside Timeshare readers who contacted us this past week horrified at what is happening to them. I had trouble keeping them straight because they were all making the same comments:

I’m having panic anxiety attacks!

I can’t even read this because I’m having palpitations!

I’m so scared! I don’t know what to do!

Phyllis C, age 67, a California resident, was a Diamond Monarch owner

Phyllis works for a prison. She teaches residents how to sew uniforms for CalFire firefighters. Phyllis was the head pattern maker for OP, a brand I remember well.

By Phyllis

I was asked to attend a breakfast to talk about upgrades on a timeshare I owned. I was told it would last 55 minutes, but I was there for seven hours. Four highly pressured sales people took turns on me, bouncing me into three different rooms. They said my children would be responsible for the timeshare bankruptcy if I didn’t give up my Riviera Beach Club week and buy the new vacation points. They told me I would be personally responsible for my portion of the $32 million dollar Monarch timeshare company bankruptcy debt.

I told them over and over I didn’t want it and that I already owned the timeshare. They said I had to buy into the new program even though I had owned my timeshare forever. They said that I could never get out of it because my timeshare went bankrupt and I had to invest with Diamond Resorts or they would go after my children for payment. I had a panic stress disorder attack. After several hours, I was tired and hungry. In order to get out of there I signed. I am a senior citizen five feet tall. Sales agent Raymond Coppin was a six foot tall man, standing over me stating he was a child of GOD and that he could help me. He said to me “I am a friend. I can tell you what to do only after you sign a contract.” Victoria Borghetto, Hassan Younes, and Steven Ginsberg took turns telling me I had to buy Diamond points. They said using the BARCLAYS BANK CREDIT CARD for shopping would make my points go up and my maintenance fees go down.

I signed a contract to buy 3,300 Diamond points which they charged to a Barclaycard. I never received the card. I never used the card. I had a trial date May 8, 2018 to pay their lawyers in the amount of $3446.04. I have asked and been granted a 60 day continuance hoping I can find someone to help me. Diamond sent a letter stating the timeshare went into foreclosure and I am out of the contract. Since the timeshare and Barclays are together, shouldn’t I be out of paying the bank as well? Diamond already foreclosed on the timeshare I had used and enjoyed for so many years. I paid a timeshare exit company $1,600, but they must have nothing to do with Barclays?

I need help. Could someone give me advice? Can I get someone to go with me and represent me? I am afraid and stressed. Please e-mail me on what I can so as soon as possible. Thank You.

By Shirley K Minnesota, age 74

Club Wyndham

We will not be paying the Barclay card amounts due. We believe we are a victim of Elder fraud. This Tennessee news report interviewing the couple pictured in this television news report is exactly what happened to us. Wyndham opened a Paypal credit line without our knowledge. Furthermore, we feel we were scammed into opening two Barclay cards to purchase 84,000 Wyndham points for $14,879 on April 27, 2017. Mr. Ryan and Ms. Lapping told us the Wyndham points would not cost anything if we charged things to the Barclay credit card.

https://www.newschannel5.com/news/newschannel-5-investigates/consumer-alert/couple-goes-to-wyndham-timeshare-meeting-unknowingly-gets-15k-line-of-credit

Branson sales agents:

Gerald Ryan was highly aggressive

Samantha Lapping

I have filed a complaint with the Missouri Attorney General, the FBI at IC3.gov and the Consumer Financial Protection Bureau. I will be filing a complaint with the FTC and our Minnesota Attorney General.  

We did not know that the Barclay cards had been opened until we returned home. They had run our credit on our personal cards and came back saying, “You have great credit!” They must have opened the cards based on that information.

When I felt we had been scammed, I called and cancelled the Barclay cards shortly after the April 27, 2017 purchase. I thought that was the end of it, but on May 2, 2018 I received correspondence from Pinnacle that said I owe Barclay’s $14,879!  We are getting calls from Pinnacle.

https://www.bbb.org/minnesota/business-reviews/financial-services/pinnacle-credit-services-llc-in-minneapolis-mn-23002292/reviews-and-complaints

I didn’t even know what we bought. They had said if we charged things using the Barclay credit card, then it would all be free because we would not have to pay anything. They said we would pay for the Wyndham points by using the credit card. We were there from morning until about 2:46 PM in the afternoon. I am 74 years old and my husband Ellsworth is 77. Ellsworth is hard of hearing.

The following charges we were not aware of were charged to us.

$5,500 was put on a Barclaycard in Shirley’s name

$9,379 was put on a Barclaycard in Elswsorth’s name

$7,349 Promotional purchase

$2,000 Promotional purchase

$30 Promotional purchase

We were shocked when we received a “Welcome to Pay Pal credit and thank you for an account” on April 27.

I have always paid my bills until this nightmare. I have sciatic nerve problems and I don’t know what to do. I am not sleeping and don’t know where to turn. I am working just to make money to try to end this. There was no time to read anything. I believe this is Elder Abuse and Elder Fraud.

Marcy S, age 70, a California resident, widowed

I owned a deeded week at Ka’anapali Beach Resort

I was contacted by a man who identified himself as Louis Stravricos who said he was an attorney with US Consumer Attorneys Group in San Diego.  His telephone number is 855-627-0795. He said he was calling about my Diamond timeshare. He was aware that I was a Diamond owner and that I owned at Ka’anapali Resort. He sent me a copy of their contract and said I needed to pay him $2900 to get out of the Diamond contract.  He told me Diamond was going to take my house and my children would be responsible for paying all Diamond debts and that they would even attach my wages.  He said Diamond would also take my Social Security payments and my retirement.

I have not paid my Diamond maintenance fees for about three years. I wanted to deed it back to Diamond but they would not take it back. I tried to sell it but no one wanted it. I have Fibromyalgia so it is very difficult for me to travel.

This man that called was horrible. It was very scary. Would you please contact Diamond for me because I do not know what I should do? (We did and Diamond responded) I did not know if he was telling me the truth.

Irene told me that now Diamond has a program called Transitions, a voluntary surrender program. If I was current on my maintenance fees, I would in all likelihood be accepted for Transitions. I heard nothing from Diamond until I recently received a letter that said I was past due on $9,000 in maintenance fees. I cannot pay that.

Four other complaints were reported to Inside Timeshare directed against the same timeshare sales agent and in one complaint, the same vice president of sales mentioned in Marcy’s complaint:  

Complaint #1

The agent stated that we could take any points we did not use and apply them towards our maintenance fees.  He then spoke of the opportunity to earn an additional $2,700 towards our maintenance fees by using the Barclay Credit Card.  What he failed to advise was that we would have to charge $270,000 annually to earn $2,700 towards our maintenance fees!

Complaint #2

We were Monarch owners. We were told unless we bought more points our heirs would be responsible for maintenance fees.

Complaint #3

The presenter said we were not full members and we should have received a letter to go to full membership. I told them we never received a letter. He then offered a deal that would only be good right then.  He informed us that what we had was worth nothing now and we would have to upgrade to be able to use any benefits because of the bankruptcy.

Complaint #4

We were told at the Capistrano Beach Resort we would not be able to use our Monarch week unless we bought points and that our Monarch week was worthless. We were not told of the option to deed back the week.

Other seniors foreclosed:

Deneice and Louis Vargas – in the foreclosure process

http://insidetimeshare.com/fridays-letter-america-21/

Seniors Romeo and Lily Dalisay

http://insidetimeshare.com/fridays-letter-america-9/

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

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

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

Thank you to Irene and our contributors for their story, it makes you wonder how these overpaid company executives can actually sleep at night, I think we all know the answer to that, no conscience, pure greed and a greater love of money than their fellow man!

Unfortunately it all starts with those lower down the food chain, the sales agents, obviously looking to become one of the big boys with their own office!

Well that’s it for this week, Friday is here and the weekend begins, have a good one.

Friday’s Letter from America

In this weeks Letter from America we welcome another new contributor, Robin Law, with a “Buyer Beware Warning” about Bluegreen. This is a story that is not unfamiliar with us at Inside Timeshare, the only difference is the name of the developer.

But first we issue a warning about another company that is cold calling owners in Europe, we have been informed by a UK resident and Diamond member who received a call from this company, Claim Your Claim.

In the call our reader was informed that since Apollo had taken over Diamond, there were only four resorts that they could go to in the whole of Europe!

Now that is very strange, according to the Diamond website they have many more than that, I can personally name at least a dozen.

Our reader was also informed about how they were mis-sold their timeshare and had a valid claim, which this company could help and retrieve their money back! Sounds great, until you start to look at this company.

Their website https://claimyourclaim.com shows no company registration or any other details apart from the address and telephone number on the contact page:

Calle San Francisco Javier, 22d, 38001 Santa Cruz de Tenerife, Spain (which is an aprtment block).

Tel: 0845 621 3233

https://www.google.es/maps/place/Calle+San+Francisco+Javier,+22,+38001+Santa+Cruz+de+Tenerife/@28.4709569,-16.2494615,3a,60y,45.65h,109.17t/data=!3m6!1e1!3m4!1s9YYai_iGjgQcg65WwTBsNg!2e0!7i13312!8i6656!4m5!3m4!1s0xc41cb7e58580589:0x9e73f0cfdf824dfe!8m2!3d28.4709875!4d-16.2493926

The Home page gives very little information apart from they are “Specialists” in “Claiming your Claim”, “Peace of Mind” and “Customer Care”.

In the Services section they have four categories, Financial Management, which tells about claiming, Holidays, showing three hotels at rather high prices, Deals, which are low cost resorts and Other Services such as airline tickets, car hire and places to visit.

The About Us section is rather interesting, they state Claim Your Claim work alongside a company formed in 2003 as a subsidiary of an Anglo/Polish Travel Agency based in Krakow Poland. They “boast” 7 offices in the Canary Islands, with their main operation based in Santa Cruz de Tenerife.

Under the heading Our Clients they give the following statement:

Claim your Claim and its associated companies are proud to announce as of 31.12.2017 their customer base exceeded the 70,000 mark, 86% of all their bookings made between 01.01.2013 – 31.12.2017 were for holidays to the Canary Islands, 89% of these were to Tenerife.

Well nothing there about “Claims”, just a load of figures for “Holidays”.

They also give the “Locations” of their offices:

Krakow, Poland, Santa Cruz De Tenerife, Mogan, Gran Canaria, Arrecife, Lanzarote, Tazacorte, La Palma.

They also show several “Client Reviews”, this is just one of them, copied and pasted direct from their website:

John Burton

South Sheilds

Wednesday, 20 December, 2017

Thank You

Excellent job Claim Your Claim just received the £20,642 This happened within 60 days as promised from meeting consultant to money paid into our account.

Very well done and many thanks

Not bad is it, from seeing the consultant to getting back over £20,000 all in “60 DAYS”, miracle workers or what!

The only other problem is the website was only registered on 18 January 2018, yet all the client reviews are dated well before that date. So can you actually believe these reviews?

The owner of the website is also hidden by privacy protection, so this along with no company registration numbers, either Spanish, UK or Polish, leaves us in no doubt that this outfit are not what they say they are. A typical “SCAM!”

Now for this weeks Letter from America

A Bluegreen Timeshare Buyer Beware Warning

By Robin Law

May 4, 2018

I believe the timeshare industry has been riddled with deceit, commonplace since before Social Media, but Social Media now allows those who feel they have been defrauded to share experiences. We believe what happened to us, purchasing Bluegreen vacation points, meets the FBI definition of white collar crime, “deceit concealment, violation of trust and bait and switch.” We check all of the above.

We live and bought in Florida where regulators seem to be in partnership with the timeshare industry, dismissing timeshare buyers who feel they have been preyed upon with, “You should not have relied on verbal representations.” The NY, TN, MO, AZ, and CO Attorneys General have launched timeshare investigations that resulted in settlements.  

We will file a complaint with the Florida Attorney General’s office, but according to Social Media reports, the Florida AG will respond in support of the timeshare developer. Below is the response from the Florida Timeshare Division to one timeshare owner.

Timeshare developers are required to provide full and meaningful disclosures to purchasers in the documents they are required to deliver to them including the public offering statement, sales contract, and all supplemental documents at the point of sale.  A document called “Acknowledgment of Representations” or “Purchaser’s Understanding” or a similar document provides the disclosures which each purchaser initials and signs at the time of purchase and it contains all the relevant information about the timeshare product.  A developer heavily relies on these documents to refute any claims by a purchaser regarding the alleged misrepresentations.  Therefore, in light of these written documents, it is very difficult to prove the allegations raised in the complaint.  

We have reached out to Inside Timeshare and will reach out to other Florida media outlets because the public needs to be warned, to not to believe anything a timeshare sales agent says. Florida probably sells more timeshare products than any other state, yet seems to offer the least enforcement. The last Florida investigation I could find was a Bluegreen investigation in 2012

http://www.myfloridalegal.com/EC_Edoc.nsf/0/1702C8F78E74E8B285257B0B005747D2/$file/Bluegreen+Corp.pdf

Before I share our Bluegreen experience, I found the following results for Bluegreen as reported by Consumer Affairs and the Better Business Bureau. Clearly, we are not alone in our grievance. Bluegreen seems to never admit a problem with sales agent deception, yet there are a flood of complaints to be found on the internet. In comparison, there are few Disney Vacation Club complaints.

Bluegreen Consumer Affairs Score 1 ½ stars out of 5

https://www.consumeraffairs.com/travel/bluegreen.html

Better Business Bureau Rating C+

129 customer review

12 Positive

4 Neutral

113 Negative

807 Complaints

2.48 out of 5 Stars based on reviews

https://www.bbb.org/south-east-florida/business-reviews/vacation-clubs/bluegreen-vacations-unlimited-in-boca-raton-fl-8195/reviews-and-complaints

4/18/18 a recent Better Business Bureau complaint

This company offers falsehoods and half-truths. We have sunk thousands of dollars into this company, and are repeatedly told that nothing is available at the places or times that we want to utilize our points at one of their resorts. However, if you use Travelocity.com, or other vacation booking websites, the places they claim are not available, are available. We have been told we could sell back our deed at any time. When we contacted the company to do just that, because we are tired for paying for something that is never available, we were told that is not an option. We have been told we can use our points to pay for maintenance fees. When we tried to do that, we were told there is a minimum point requirement to do that, and we did not have enough. We have had nothing but problems and lies from this company. They continue to try and solicit you to purchase more points, yet fail to meet simple requests. In over two years, and thousands of dollars invested, we have been able to use our points one time, and it wasn’t even where we wanted to. We had to settle for what was “available.” The room we had was in a horrible spot (at the back of the resort, with a view of other buildings and parking lots, and noise and filth from construction), and when I asked to move to a different room, was told no other rooms were available, even though I walked by rooms that stood vacant during our entire stay. Guess they had to keep those available to sell on Travelocity. Why make it available to an “owner?” I would never recommend this company to anyone. They care about nothing but lining their pockets. They have zero concern for the happiness of their customer, and are unwilling to make even the smallest accommodations.

Comments

Comment from the Business:

Dear Ms. *** Thank you for taking the time to share your experience! We sincerely apologize to hear of all the difficulties you have experienced in getting on vacation using your ownership, as well as for any misunderstanding surrounding the resale process or use of other benefits. We would be more than happy to help address any of these concerns! So that we can assist you, please send an email to ***@bluegreenvacations.com referencing your BBB review, and making sure to include the names, phone number, and email address associated with your Bluegreen account. We look forward to assisting you further! ~Bluegreen Customer Care

by Business on Apr. 19, 2018

Bluegreen has a long history of consumer complaints

On April 5, 2013, Bluegreen Corporation responded to BBB’s concerns. Bluegreen Corporation does not believe they fail to grant cancellations and refunds where they are factually and legally appropriate. Bluegreen states their company does provide timely cancellations and refunds to those consumers who properly rescind their timeshare purchases within the rescission period. Occasionally, a consumer does not follow the properly prescribed cancellation method contained in the timeshare sales documents. Nevertheless, once the appropriate business area within Bluegreen becomes aware of the request, even when not properly given by the consumer, diligent efforts are made to process the cancellation and refund as promptly as possible. With respect to the purchase of a vacation package, such purchases are accompanied by details of participation which advise a purchaser how to cancel their vacation package and the amount of time they have to do so. Also, in some instances, the consumer may have purchased the vacation package from a third party provider or vendor, and not directly from Bluegreen Corporation.

BBB reviewed this company’s complaints again on July 12, 2013, again on December 11, 2015, and again on August 18, 2016 and found that the pattern of complaints identified by BBB continues.

BBB reviewed this company’s complaints again on September 5, 2017 and found that the issues regarding the cancellation policy have decreased. However, the issues regarding high pressure sales practices, availability, and refund issues still exist.

BBB will continue to monitor the complaint activity of the company and update the Business Review as needed.

Our Bluegreen complaint

My husband and I work long hours in very high demanding jobs. We cannot discuss personal matters during work hours, which made it virtually impossible to talk to anyone at Bluegreen about our dispute. I work as a project assistant at a large engineering firm, and my husband works as a project manager for a general contracting firm in Florida. I cannot take personal calls during the day.   

Bluegreen customer care agent Kimberly arranged to speak with us after hours. The first telephone appointment was arranged, but Kimberly did not call or otherwise notify us that she was unable to make the scheduled call. We felt Bluegreen did not care and that we were not important, but we feel considerable attention is placed on selling points and collecting money not paid. Kimberly eventually contacted me again by email, but just advised that the actions of the Bluegreen agents we experienced are not the way Bluegreen sells. She refused to consider a refund or cancellation. I requested to speak to a manager and was put in touch with Autumn Fechner. All Ms. Fechner offered was a one-time day use pass for Tradewinds, which was in essence, no response.  

The deception we experienced:

We bought 10,000 every other year points at Tradewinds July 7, 2012 in St. Petersburg

Our purchase price:  $13,150

Loan 1: Amount Financed: $11,456 @ 16.99%

We were told Bluegreen would be purchasing the land next door by the end of 2013. They told us that if we purchased Bluegreen points we would have day use privileges because Bluegreen was buying Tradewinds. Since we live not far from Tradewinds, this sounded like the perfect vacation plan. We were told we could use bonus points to rent rooms for $69 or $79, not needing to use our Bluegreen points.  When I tried to book around August 2012 there was no availability. I was told I must have been mistaken about the day use privilege and bonus time privilege when I contacted customer services. There was no mistake. My husband was with me. We know what we were told.

We can’t even read the signature of the sales agent on our contract. The sales agent said they were not allowed to give out personal business cards, which is odd. A sales agent is not allowed to give out business cards?

Tradewinds gave me the name of Barret Shank, Director of Field Administration, Bluegreen Tradewinds Preview Center I. I contacted Mr. Shank via email.  Mr. Shank emailed in response saying Tradewinds is not available for bonus points, only for $99 for promotional purposes. He also said day use is only listed on the back of our charter for very specific places, but not Tradewinds.

We were baited and switched.  Nothing the sales agent advised was correct or ethical.  Timeshare sales deceit and bait and switch is supported by the response of Mr. Shank, and all others involved in the sale and customer care follow up, in response to our complaint. In my opinion, timeshare point sales are a minefield of deceit waiting to happen.

We bought a second time at Tradewinds November 29, 2013. It took a year to find availability for this stay. We were told we had to do an update because the program we purchased one year earlier in 2012 was worthless. We did not want additional points, but attended and purchased fearing what we had purchased was worthless.

We purchased 10,000 additional every other year points November 29, 2013

Purchase price: $10,950

Loan 2: Amount financed $9326.17

I kept saying through the entire sales pitch, we did not want two loans. The sales agent said to complete this sale and then we could combine both loans through Bluegreen.  She said we would just need to call the mortgage department after the sale was completed. When I called the Bluegreen mortgage division as advised, I was told I must have misunderstood because they could not combine the two sales.

I was advised to go to my bank or credit union because they would know how to refinance and that Bluegreen has dealt with multiple customers who refinance because Bluegreen is property. Bluegreen is a right to use product that has nothing to do with real estate. The company should not assume all Bluegreen buyers will be able to refinance. My bank said timeshare is not considered real estate and could not be refinanced. We were stuck with two loans at a high interest rate and what we were told was a real estate investment is not considered property. Bluegreen also told us we owned deeded property. Bluegreen points sold today are not deeded and a lawyer told us our Bluegreen deeds are worthless and not really deeds in the traditional sense.

Florida Timeshare attorney Mike Finn of the Finn Law Group settled a class action with Bluegreen and credit reporting agencies, forcing Bluegreen to not report the failure to pay a Bluegreen loan as a foreclosure. Foreclosures are now reported as settled for less.

https://www.businesswire.com/news/home/20151222006023/en/Finn-Law-Group-Settles-Consumer-Class-Action

The third time we purchased Bluegreen points was at The Fountains in Orlando August 24, 2014. We were again told it was mandatory to attend an update. It lasted 10 AM to 7 PM. We were told that because we were such loyal Bluegreen customers, they were giving us a special price on all additional Bluegreen investments. We were told Bluegreen points are an investment. They said we would own a coveted property in Dennisport, Massachusetts. After hours of repeated “no”, and multiple sales agents offering additional perks, we purchased once again. All the documents said Bluegreen, but when we received our first bill, it was with a completely different company and had a higher interest rate.   

We purchased 10,000 annual points upgrading to Silver

Purchase price $15,000

Amount financed $13,425

At every sales meeting, we were told it would be easy to refinance a Bluegreen loan and we were also told that we could sell points back to Bluegreen. Every sales person that we dealt with at Tradewinds and The Fountains in Orlando had an almost identical sales script. All sales presentations lasted five hours or longer, with increasingly aggressive sales agents and managers.

Bluegreen’s decision not to grant a refund or cancel our contracts was based on our using the timeshare that we paid for and because we have owned it for so long. We have paid $30,000 for Bluegreen points. Supervisor Autumn Felcher stated she could provide evidence of our deeds. On April 12, 2018 she produced three documents she stated were property deeds. After a review by a lawyer, I was advised that these were NOT real property deeds. I quote, “Resort Title clearly identifies the interest as beneficial interest in the trust. The Cibola deed transfers the interest via a deed but not to you, but to the trust. The Sounding deed does the same. I stand by my earlier opinion that you folks are not deed holders.” Thus, Bluegreen again made untrue statements. In my opinion Bluegreen’s intentions are not to support the customer, whether it is in a response to the BBB, an Attorney General, the Federal Trade Commission, or the FBI.

The following are self-help groups for timeshare members. This is our attempt to warn the public: Don’t believe anything a timeshare sales agent says!

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

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

https://tug2.com/Home.aspx

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

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

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

Thank you Robin and once again thanks to Irene Parker for her editing, again this is a story that Inside Timeshare is very used to hearing, it goes well with today’s lead about Claim Your Claim.

The timeshare industry is full of rogues, from the timeshare developers right down to the scam companies the industry is responsible for developing. The only way to stay safe and keep your money is to check and check and check again, DO YOUR HOMEWORK!

So Friday is here, the weekend beckons, time to relax and enjoy the company of friends, have a good one and we will see you next week with more stories of “A Nightmare on Timeshare Street”.

Friday’s Letter from America

Once again welcome to Friday’s Letter from America, this week Irene Parker interviews yet another military veteran family about their experience with Diamond. Joshua and Nichole Parker are just another couple in a long line that have reached out to Inside Timeshare in the past few months, we do not expect them to be the last.

First we have a quick look at Europe, we begin with a warning about a company cold calling Diamond owners in the UK.

cold call

One of our regular readers who is a member of one of the Diamond facebook pages, received a call from a company claiming to be called Scottish Heritage. It seems that the caller knew our reader is a member with Diamond Resorts, the offer was for a stay at a choice of hotels in Scotland for 5 nights for the knockdown price of £99.

This sounds like the old “flybuy” offers that we have warned about in the past, cheap stays along with the obligation to attend a presentation usually to purchase either a timeshare or holiday club package.

When we searched for any company called Scottish heritage we drew a blank other than the official Scottish organisations, which we very much doubt would be making these type of calls.

The number used for the call is:

01244470152

Which is a Chester number, when we did a check on this number it did show some rather interesting results, on Who Called Me,

https://who-called.co.uk/Number/01244470152

there were many entries about this number, including the name Scottish Heritage. It also belongs to a website called

http://loyaltyweeks.com/

In their About section they go on to say:

“As a guest of Loyalty Breaks, you would receive heavily discounted accommodation in a selection of leading hotels and resorts around the world that would otherwise cost a considerable amount of money.  All that is required from the guest is that during their stay, they take a morning or afternoon of their time to learn about the benefits of the resort in a relaxed environment, and donate valuable feedback to improve customer care and satisfaction.

The developers will heavily subsidies the accommodation for up to 7 nights, with the intention on enlightening their visitors on the benefits and perks of their exclusive residences in some of the most sought after destinations around the world.”

Which does confirm what we expected, discounted breaks with a presentation. Unfortunately we can find no company registration for either Loyalty Weeks or Loyalty Breaks, and the website does not give a name of who is behind it, although it was only registered on 29 July 2017, so it is only around 8 months old.

The question now is who is behind it and how did they get the information, especially as they knew they were Diamond owners. Could it be that some unscrupulous sales staff who knew that they were going to be laid off, got hold of the members data either selling it on or starting their own little enterprise?

It has also been a busy week with sentences from the Supreme Court in Madrid being issued against Silverpoint, Palm Oasis and Puerto Calma, a good week for the lawyers and their clients.

Now on with this weeks Letter.

A Veteran’s Family Bought Diamond Points

Dismissed by Diamond Hospitality Consumer Advocates because,

“You signed a contract”  

An Interview with Joshua and Nichole Parker

vets

By Irene Parker

March 16, 2018

Joshua “Josh” and Nichole Parker attended a timeshare sales presentation that lasted from 8AM in the morning until 8PM at night at Diamond Resorts Mystic Dunes resort in Orlando on November 8, 2017 after attending a Diamond’s Event of a Lifetime. “Why didn’t you just leave?” the critics ask. Joshua explains why on his YouTube. They purchased 4,000 Diamond timeshare points. Joshua and Nichole say they were told their points would go up in value. Now, expecting twins, they do not have enough points for a family of five to vacation and have learned, not only did their timeshare points not increase in value – there is virtually no secondary market for Diamond timeshare points. Josh’s YouTube

https://www.youtube.com/watch?v=ezkJ7GlJN4U&feature=youtu.be

Josh suffers from post-traumatic stress disorder. Josh is the second 90% disabled, PTSD diagnosed, Iraqi veteran Inside Timeshare has assisted this year. The other veteran and his wife had been subjected to a five hour predatory and fraudulent timeshare hard sell. They recorded an hour of their ordeal which has been turned over to law enforcement. After listening to the recording, I can firmly say there was no alleged about it. Their timeshare dispute was quickly resolved after a copy of their YouTube interview was sent to the timeshare company. Others who allege fraud, but did not record their alleged fraudulent timeshare sale, face an uphill battle of repeated denials and dismissals. Timeshare companies often respond, “You signed a contract.”

The FBI disagrees with this reasoning, and has advised timeshare members to file complaints with the FBI at IC3.gov and orally through the FBI field office nearest to where the timeshare contract was signed, if their allegations meet the FBI definition of white-collar crime, “deceit, concealment, violation of trust, bait and switch.” The FBI agent Josh spoke with advised Josh to also file a complaint with the Federal Trade Commission (option other – timeshare sales).

Post-traumatic stress disorder

The tragic events that took place at the Veteran Home in Yountville, California, Friday, March 9, a formerly safe place for Veterans suffering from the effects of PTSD, reminds us that the effects of war or a traumatic event can live long after the event or the battlefield. It’s not an easy topic, but one timeshare companies and timeshare sales agents should be aware of, if they care.

My interview with Josh and Nichole

Irene: Josh, tell us about your military service.

Josh: I joined the army in 2005, partly for the health benefits, and because joining the army was what I always wanted to do. I became a military police officer. In Iraqi I was part of a Police Transition Team. We taught Iraqi police how to be police because they lacked training. I was part of Operation Iron Maiden in 2006 when an attempt was made to catch Ayman-al-Zawahiri. We knew there were weapon caches and hostiles. We performed an outer cordon searching for hostiles. We were out there three days. I hurt my lower back from a fall while on this mission. The weight I was carrying made the injury worse. It is considered a combat injury because it was in reaction to incoming rounds.

Irene: You suffer from PTSD. Explain how that has affected your life.

Josh: The experience of combat changes the way you think from that time forward. During those three days, at one point I came to the realization that I was going to die. That moment changed me for the rest of my life. I have a high priority for security. Most people get up in the morning and think about what they are going to do that day, food, work, entertainment and security. For me it is food and security. The first thing I ask myself when I wake up in the morning is if what I am going to do today is safe.        

Irene: I too suffer from PTSD, so interested in the subject from a personal perspective. I followed the role model of John Walsh of America’s Most Wanted channeling my anger and grief into advocacy. Mr. Walsh lost his six year old son Adam, a victim of a homicide. I revisited the topic again and found this symptom:

You may be jittery, or always alert and on the lookout for danger. You might suddenly become angry or irritable. This is known as hyperarousal.

https://www.ptsd.va.gov/public/PTSD-overview/basics/symptoms_of_ptsd.asp

It’s hard enough for anyone to endure an eight hour hard sell timeshare presentation, but PTSD, combined with a high risk pregnancy carrying twins, obviously made your experience even worse.

Josh: Nichole has had several miscarriages, and has gone through eight years of fertility treatments. So expecting twins, we are in a constant state of worry. In addition, they forced us to leave our crying 4 year old in the kids club because they could not proceed with the sales presentation with her there. Our daughter was born with a genetic disorder called Klippel-Feil syndrome, a bone disorder that also affects her heart and kidneys. She also has many food allergies. It was unfair to leave a child in the play area for hours, told by our sales person Tiffany that she would only be there two hours.

Nichole: They don’t really feed the children. They only offer snacks and our daughter Vanessa could not have some of what they offered. Had I not have almost passed out from low blood sugar due to my pregnancy, they would of expected us to leave our child there thru lunchtime.

Josh: We didn’t leave because they would not return our credit card and driver’s license, even to leave for lunch, telling us to just drive to the restaurant on property. The reality is, you ask and they say yes, I’m going to get it from so and so. Then 10 minutes later someone else arrives and they start over saying, “I let him know and he’s going to bring them.”  There is a constant push off to delay getting the IDs and credit card. It’s relentless.

It was like being tortured, being held hostage, and they did the same to our child. When the sales people were talking, they refused to let us check on our kids saying, “If there was a problem someone would come get you.  Meanwhile, you hear kids screaming.”

Irene: As mentioned earlier, those with PTSD are jittery and on the lookout for danger. You are prone to be angry or irritable.

Josh: Yes, and around 5 PM I went out to the car to get something. I have handicap parking, but the handicap parking had been blocked off with cones. I rolled my ankle stepping between the cone and the cement block.

Nichole: This was why we did not get the papers signed until 8 PM. We reported the incident at the front desk. They called security to file an incident report. While waiting for security, Robert, the sales manager and Omar, the sales center manager, continued to pressure us to buy points even though Josh was in visible pain, with ice on his ankle.

Josh: We kept saying we could not afford the points, even though I was visually in pain. My ankle was starting to swell right before we signed the documents. We were not even on the sales floor. They kept saying, sign this and this, including the Barclaycard that we did not want in the first place.

Irene: So, after all this, why did you buy?

Nichole: The same children’s hospital I know that my four year daughter old goes to, to see maternal fetal medicine they said we could stay by. So they really got us when they were saying we would be able to be closer to the hospital. But the fact remains, at the time of purchase, even if this is an option, we can’t afford this timeshare and were told it was an investment and could be easily sold.

Irene: When are the Parker twins due?

Nichole: July 18 is 40 weeks but twins are full term at 37 so June.

Irene: I love babies! We would love to visit after they arrive.

Irene: Back to timeshare – Some have asked why you did not just call 911 when they refused to return your driver’s licenses and credit cards.

Josh: The biggest thing was to get it over with. We knew we could not afford it but they kept saying it was an investment and it was good for our children, and they said if we purchase it now we would be assured our children could always take vacations. As an investment, we thought we would not lose money on it. I didn’t count, but I am sure I said 100 times, “I can’t afford this.”

The next up-sell attempt at Polo Towers:

Josh: Next, we were told we had to attend a new member orientation. We had told our sales agent Robert we did not want to attend any more presentations. Robert said we would not have to. When we went to Diamond Polo Towers November 2017 we were told we had to attend a new member orientation to learn how to use the tablet and how to navigate the Diamond website. My wife lost her mind. They called Robert and their demand to attend was dropped.

Irene: When did you realize the hopelessness of your situation?

Josh: We started to question the legitimacy of what we had experienced December 2017.  We know 4,000 points are not enough points to travel with a family of five. We will be struggling with the double expense of two newborns instead of one. The answer for us is not to buy more timeshare points, only to get deeper in debt.  We would have never bought Diamond points if we thought we were obligated to pay maintenance fees for the rest of our lives for a timeshare that could not be sold.   

Nichole: We are stressed beyond endurance over what Diamond Resorts has done to our family.

Josh: We have filed a complaint with the Consumer Financial Protection Bureau. There has been no response. We have filed a complaint with Florida Attorney General Pam Bondi. We did receive an email today with further instructions.

We filed a Better Business Bureau complaint. There has been no response. We will file a complaint with the Nevada Attorney General. We intended to file a complaint against our sales agent Tiffany with the Florida Real Estate Division, but when I called Diamond, they would not tell me her last name. We do have the names of Robert Gonzales, Director of Sales and Mario Hernandez, the highest person there.

I have joined a group of 34 members of active duty and retired military/law enforcement claiming they were defrauded by timeshare sales agents, seemingly targeting the military. We have reached out to Whistleblowers of America, an organization that seeks justice for military and government workers, active duty and retired.  

We contacted Irene Parker at Inside Timeshare because we were going to sign up with Primo Management Group and had a conference call scheduled for February 15. Below are the documents PMG provided, including a Diamond release from Eric and Angela Wood, as a testimonial and an illustration of our Diamond liability projected out 40 years.  Irene told us to cancel the conference call and not sign up with PMG. She advised us to contact Diamond Resorts Consumer Advocacy. She said she felt confident DRI Advocates would be able to help us. She explained the Diamond program CLARITY about transparency, accountability and respect for the customer.

The history of our vacation nightmare:

Sampler purchased 20,000 points for $4000 Parkway International Celebration Area 7/2017

4000 annual points were purchased at Mystic Dune November 8, 2017 Event of a Lifetime. We were told our Sampler points and money paid would be credited towards the purchase of annual points but it wasn’t.

Purchase price $15,133

Amount financed $12,636

Sales agent Tiffany

Robert Gonzales, Director of Sales

Mario Hernandez was the highest person there

Javier was QA

We were told the new thing is that all your points are worth money.  It doesn’t matter if you can’t afford it because the points are worth money. We were told points can be converted to dollars to pay maintenance fees because fees will go up 10% every year and the inflation on the fees won’t match our fixed income.

The Timeshare Exit Company we contacted to get us out of this nightmare:

PMG (Primo Management Group, Inc.) quoted us $3,000 to $6,000 to get us out of our Diamond timeshare.

Thank you for considering PMG, the country’s most respected timeshare relief agency, for assistance in completely cancelling your timeshare obligation.

We have a 100% success rate.  Your deed cancellation is backed by our 100% guarantee and we guarantee to protect your credit throughout the entire process.

Our program includes:

  • Timeshare Contract Cancellation
  • Immediate Cancellation of Payments
  • Cancellation of Maintenance Fees
  • Mortgage Balance Cancellation
  • Protection from Harassment
  • Credit Protection/Correction

 Subject: *PMG Consultation Email

Your Financial Obligation to Diamond

ILLUSTRATION WAS PROVIDED SHOWING A 40 YEAR PROJECTION OF $95,710 BEGINNING WITH OUR $243 MORTGAGE PAYMENT

Please feel free to ask your Consumer Advocate any and all questions you may have.  Best wishes and again, thank you.

Grand Lodge_Michael & Barbara Wagner.pdf

Holiday Inn-Orange Lk_Vanessa Pena

Summer Bay_Shovan Anwar & Aniva Zaman.pdf

Wyndham_Tiwuanda Howard.pdf

Diamond_Eric & Angela Wood.pdf

Best Regards,

Ken Crawford

Sr. Consumer Advocate

Irene: What a mess! Will timeshare companies that do not allow a secondary market ever realize they are causing the problem? Never pay anyone or any company money upfront to get you out of your timeshare. If you are contacted by such a company contact one of the groups listed here.  

These are US self-help, member supported groups we feel are not industry influenced:

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

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

https://tug2.com/Home.aspx

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

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

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

thanks vets

Thank you Joshua and Nichole for sharing your story, also thanks to Irene all the volunteers for all the hard work they are doing to help those such as the veterans and the elderly.

If you have any questions, comments or need advice on any article published, contact Inside Timeshare from our contact page, please state if you are US or European based.

That’s it for this week, it’s Friday and the weekend is calling, have a good one and join us again on Monday.
friday dog