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Diamond

Monday, Lets Start the Week

On Friday we published our usual Letter from America, this particular article was by Irene and was the story of two elderly Diamond members, the Liebmann’s and the Brust’s. As usual Irene sent well in advance a draft of the Article to several entities including Diamond for comments.

In fact this is always done for our US articles, in some cases the timeshare company has responded very quickly to the article and contacted the member directly with a solution. In these cases the article has been pulled at the last minute and another replacing it.

After last Friday’s article Irene received a letter from Diamonds external law firm. In this they state that the article contains “false and defamatory” material.

Inside Timeshare begs to differ, the article is the Liebmann’s and Brust’s story and they wanted it publicised as they felt they had nowhere else to turn. Inside Timeshare was pleased to do this, as that is what this publication is all about. To give the timeshare owning community a voice and a place where they can find the facts and the truth.

For Diamond to send in their well paid corporate lawyers or as I prefer to call them corporate “velociraptors” (swift seizer in latin), to me shows they really do not care what is going on at their sales presentations.

We constantly hear the words “Diamond is not responsible for what our sales agents say”, or “you signed the contract”.

This is a message to Diamond, if you do care about your members then why on earth do you not reign in the excesses of the verbal misrepresentations of your agents?

It is not rocket science, they are selling your product, they are your employees, it is your reputation that is being constantly tarnished, as we have seen in the many complaints and stories we have published.

These are not made up, these are facts as presented by those making the complaints to not only Inside Timeshare but to other entities as well. We at Inside Timeshare do believe that timeshare was and still could be a good product, it is the way it is sold that is the problem. In Spain these excessive sales practices have been curbed, the laws have been set and many companies are now losing millions in the courts for their past transgression.

The ball is now firmly in your court, it is time for you as a company to acknowledge these practices and act to have them removed.

To finish our Monday start we look at news from the Spanish courts of cases last week.

In the Courts of First Instance in Maspalomas, Gran Canaria, there were SEVEN sentences passed against Anfi del Mar, once again the rulings of the Supreme Court took precedence, floating weeks, perpetuity contracts and the taking of deposits on the day. All contracts were declared null and void.

On the point of the Supreme Court, Canarian Legal Alliance announced their latest victory, bringing the total to a massive 120 rulings from Spain’s highest court. This particular case once again involve the Tenerife company Silverpoint, with the contracts being declare null and void.

In just these cases the clients will be receiving  over 311,000€ plus legal interest and in most cases their legal fees as well.

A very expensive time for timeshare at the end of last week.

If you have any comments or questions on any article published, then use our contact page, Inside Timeshare is here to give you a voice and to inform all timeshare owners of the truth.

We also apologise for the shortness of today’s article but other events took control and we were late in getting the article published.

Friday’s Letter from America

Welcome to this week’s Letter from America, today we highlight two families who have been up-sold by Diamond, Gad and Noreen Liebmann who are staging a protest outside Diamond’s Daytona Beach Resort and Sheilah and Thomas Brust. These stories are another in the series of  “A Nightmare on Timeshare Street”, but first a quick roundup from Europe.

It has been reported that yet another “Relinquishment and Claims” company is in liquidation, Standon Mortimer Associates. This company is one in a long line that informed clients that they could lodge a “no win no fee” claim against their timeshare, the only thing was to do this they had to “relinquish” their membership first. Obviously this was a great cost.

Once the membership was canceled then they would put in a claim, usually under section 75, which as we have said before is not likely to pay out. The whole scam was to get your money for the cancellation, which in many cases was never actually done.

If you have paid this company to carry out any work regarding your timeshare and it has not been done, contact the liquidators below:

Name of Company: STANDON MORTIMER ASSOCIATES LTD

Company Number: 10437622

Nature of Business: Timeshare Relinquishment

Type of Liquidation: Creditors’ Voluntary Liquidation

Registered office: C/o Kingsland Business Recovery, 14 Derby Road, Stapleford, Nottingham, NG9 7AA

Liquidator’s name and address: Tauseef Ahmed Rashid, Kingsland Business Recovery 14 Derby Road, Stapleford, Nottingham NG9 7AA

Office Holder Number: 9718.

Date of Appointment: 18 April 2018

By whom Appointed: Creditors

Further information on Silverpoint or is it Signallia Marketing has just come in, apparently a representative from Signallia is knocking on the doors of guests at Hollywood Mirage and arranging appointments with none other that Aspirantco SL. We will be publishing the story of this meeting next week.

There are this week a couple more happy ex-timeshare owners, the first is an ex-Anfi member, who this week had over 53,000€ paid into his bank account after his recent court case where his contract was declared null and void.

This does fly in the face of the Anfi management denying that anyone is getting paid, according to Canarian Legal Alliance, Anfi have actually paid out 2 million euros.

In another case a German client who purchased his Anfi del Mar timeshare for 14,000€ had his contract declared null and void, with thcourt awarding him over 23,000€ plus legal interest. This is a result of Anfi taking a deposit within the cooling off period which is forbidden, so the court awarded double the amount taken.

Now on with our Friday letter.

A Report from Two Diamond Resort Platinum Members Up-Sold by the Same Daytona Sales Agent

Sheilah Brust warns: Keep The Pencil Pitch

Gad and Noreen Liebmann: Up-sold into financial disaster

There is no such thing as the “Ability to get (Double Usage)”

Page 2 of the Pencil Pitch is based on 15,000 points actually purchased instead of 25,000, so 65,000 points illustrated instead of the 75,000 first proposed

65,000 own                $8,631 current maintenance fees before 15,000

65,000 given                2,621 maintenance fees on the new 15,000

130,000 points            $11,252 Total maintenance fees with new 15,000

 50,000 if used            8,000 Less reimbursement check

 80,000 left                  $3,252 Maintenance fees still owed       

x $.10 reimbursed     EXCEPT THERE WAS NO 65,000 POINTS GIVEN!

$8,000

The CLARITY™ Promise handed out before sales presentations:

With this clear, concise and consistent information, consumers can easily determine whether the Diamond Resorts hospitality experience is the right decision for them and their families.

https://www.businesswire.com/news/home/20170123005839/en/Diamond-Resorts-Launches-New-National-Customer-Service

Diamond’s Response to Sheilah Brust:

On April 5, 2018, we received a call from a “hospitality” agent. She said our complaint had been escalated to the legal team and they found no wrongdoing. This is part of what she said to us.

I definitely agree that your confusion of that process is warranted. I have spoken to our legal team and sales team and we agree the double point explanation is definitely something that could have been misconstrued or seen as confusing by members or purchasers.

We have made changes to the way that information is given at the time of sale but we have to say the stance we take on this is: because there may have been some confusion on how you may use those points to create a savings for yourself doesn’t make the explanation illegal.

By Irene Parker

June 8, 2018

Gad and Noreen Liebmann were up-sold by the same Daytona Regency sales agent as Sheilah Brust. Gad and Noreen have been protesting outside the Daytona Regency by holding up signs an hour or two every day except Sunday for over three months. They will take a few months off to go up north, but plan to resume their protest in September.

In preparation for this article, I felt it was important to get a feel for what it was like to hold up a sign. As we walked to Daytona Regency from our cars, Gad and Noreen dropped off food for a homeless man. Gad told us, “One of the homeless was offered $20 to ‘get rid of them’ and on another day one of the salesmen brought some water and wanted to “thank us” for picketing. He claimed that our presence increased their sales. He also told us that we could have more effect by working as greeters at Walmart to help pay our dues.”  

My husband and I weren’t sure what to expect. We arrived about 11:00 AM, Friday June 1. We were greeted by the security guard. He could not have been nicer. He seems to serve as a sort of diplomatic liaison between Gad and Noreen and the staff at Daytona Regency. He patiently listened to me relate some of the more serious allegations timeshare members have reported to Inside Timeshare, 208 since January 1. He said he has not purchased Diamond points.          

Inside Timeshare has heard from a total of 32 Diamond Platinum members, alleging they were up-sold by deceitful sale tactics or are disappointed in their Platinum membership. Of the 32 Platinum members, 29 members reported they were told they would be able to sell points, or pay for maintenance fees, if they purchased more timeshare points; utilizing programs members say did not exist. Thirteen of the 32 Platinum members say they have resolved their dispute. Eleven were up-sold by the same Diamond sales agent.

Pictured from left: Noreen, Irene, Tyler and Don

The sign my husband Don is holding reads,

Diamond is not responsible for what our sales agents say.”

This was told to Diamond member Joshua Parker (no relation) by a Diamond VP on a call Diamond recorded. Josh says he was told points are an investment and would be easy to sell. When Josh and Nichole learned they were expecting twins and could no longer afford the timeshare, they learned there is virtually no secondary market for Diamond points. Josh is a 90% disabled Army veteran. He served in Iraqi. They are in the foreclosure process.

John Collick, a decorated 100% disabled Marine veteran, was told he needed to buy Diamond points because Diamond was acquiring his timeshare, The Colonies. This turned out not be true.

Josh and John were both told, Diamond is not responsible for what our sales agents say.” That would be okay, except Diamond hands out to consumers before a presentation their CLARITY™ promise, launched after Arizona Attorney General Mark Brnovich issued the company an Assurance of Discontinuance.

Amanda and George Jones are both active duty Navy. They recently received their foreclosure letter. Both fear losing their Security Clearance. They say they were told by Diamond sales agents in Virginia and Florida their 18% loan would be easy to refinance, “Just Google it.” http://insidetimeshare.com/tuesday-slot-irene-3/

Today, June 6, 2018, another Navy couple contacted Inside Timeshare. They too could lose their security clearance as they are Navy logistics.   

Sheilah and Thomas Brust’s “Double Point Promise” complaint

Sheilah says she and her husband Thomas were promised double point usage if they upgraded by buying 15,000 additional points. Already Platinum members with 50,000 points, they had enough points to meet their travel needs.

Sheilah and Thomas met with Brad Leslie on February 4, 2017.  Mr. Leslie said there were big updates due to Apollo changes. Brad said he had just learned about the double points program in Orlando while in training. Another Florida DRI sales agent pitched a double points program to a Navy veteran. Her complaint has been resolved:

We were hosted by the Diamond Resorts East Coast Sales Team from Mystic Dunes. They said we had been invited to the workshop as a way to thank us for having been Platinum members for over five years. Mystic Dunes sales agent A M explained details of a program only available to five plus year Platinum members. A M said if I purchased an additional 25,000 DRI points, I could take advantage of a special offer and never have to pay maintenance fees. He illustrated on paper how the program worked.   

57,500 points I owned prior to the workshop

25,000

82,500 x 2 (double points) = 165,000

Back to Sheilah’s “Pencil Pitch”

Brad Leslie said that over ten years our maintenance fees would be $86,310. According to Brad, we would have 65,000 points after buying 15,000 more points but DRI would give us 65,000 more – so we would have effectively 130,000 annual points. Of the 65,000 original points, we would use 50,000 and the purchase of an additional 15,000 points would allow us the extra bonus 65,000 points. Brad said we would receive via check or reloadable debit card $8,000 from the redemption of 80,000 points at $.10 through a travel reimbursement program that could be used to pay maintenance fees. If we redeemed 80,000 from the 130,000, we would be left with 50,000 points to travel.     

I asked Brad why this program was developed. He said Diamond wanted to make sure we STAYED VACATIONED. Now it seems more likely he wanted to drive us into foreclosure to be able to start over with his next victim.  

As a result of this up-sell, we have less time to travel because we have to work to pay for the additional points that increased maintenance fees to $11,252. We also have a loan with Diamond for $31,000 and the $26,000 Barclay card charges.

Brad charged on two Barclay cards $14,000 in my name and $12,000 in Thomas’ name. After he opened the cards, Brad said,Barclays loves you! You got $26,000 credit!” I was livid after I learned what happened as we were unaware the amounts had been charged. We could have used a different credit card that would have gotten us rewards points.

We saw Brad again in May 2017. Brad said the program had changed. Brad told us in February we would be sent a debit card that would be reloadable for the maintenance fee reimbursement program. Brad informed us in May that DRI was getting rid of the debit cards because there were problems. Brad had said the double points (65,000) would appear on a split screen on our dashboard. He said DRI was still working on the split screen. This program only made sense if we received the additional 65,000 points. I wrote down everything Brad said. I have an accounting background.   

This whole deal was based on having 130,000 points using points at $.10 a point for a Travel Advantage reimbursement service, but this was of very poor value and only made sense because of the extra bonus 65000 points. You can book a lot of vacations with 54,259 points that would vastly exceed a measly reimbursement check for $5,425.90.

Brad assured us he would be here for us and hoped he could restore our trust in Diamond. We had explained how we had been duped into buying 4000 more points in California so our heirs would not be saddled with Diamond points.

Diamond has refused to help Sheilah, but she is encouraged by a call from her Florida Timeshare Division reviewer supporting her claim.

Gad and Noreen’s debacle

Gad and Noreen own 96,000 Diamond points, only because they bought an additional 25,000 points to take advantage of benefits they now know they already had. Gad and Noreen are both Army veterans. Noreen served as an Army officer in the nursing corps. Gad, also an Army veteran, worked for IBM and VISA, at times stationed overseas. The Liebmanns have nine children, not counting children they fostered. According to Gad,  

For over 20 years we enjoyed using our Diamond points. We had purchased eight Diamond contracts over the years and had been happy until Daytona sales agent Brad Leslie sold us 25,000 points November 22, 2017, we allege by fraud.  Brad told us that if we purchased 25,000 additional points for $70,000 we would get additional benefits. He showed us how using these benefits, we might not have to pay more maintenance fees if we used the same amount of vacation time. What Brad Leslie neglected to tell us was that we were already eligible for these benefits. He knew this. He also claimed that we could recover the cost of the additional points after 10 years. This was also false. Brad said that we would be even on the $70,000 within ten years if we only booked through Value Getaways.

A call to Diamond CEO Michael Flaskey got a response from a lady who offered to allow us to give back some of our points, lowering the dues but not eliminating the latest purchase.  In other words, give back points we already paid for, requiring us to pay the company $70,000 after being sold points to take advantage of a program we already had. We may be older, but we’re not stupid.

We have used all of our 2018 points for redemption reimbursement and with the over $700 monthly mortgage payments, we can no longer use Diamond points for vacations. Since we can’t afford to travel because of this debacle, we thought we should warn others by holding up our signs. I feel America is in a moral crisis when CEOs feel no concern when people complain directly to them of questionable business practices. My heart is heavy since the DRI salesman Brad Leslie professed to be a Christian, as I am.

Gad and Noreen protesting outside Daytona Regency

Thank you to Gad and Noreen and Sheilah and Thomas for joining our advocacy efforts. I reached out to Diamond for comment, but they did not respond. We were hoping they could explain Sheilah’s pencil pitch.  

Many timeshare members feel there is little to no timeshare enforcement in Florida. According to several members, Florida dismisses complaints, backing up the developer by also falling back on the oral representation clause. Florida receives about $70 billion a year in tourist revenue.

From the Florida Attorney General’s Timeshare Division DBPR

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.  

From the Arizona Attorney General’s Assurance of Discontinuance:

IV Assurances

“Diamond shall enhance its programs, policies and training and continue to instruct and train its Vacation Counselors and Sales Managers to comply with the ACFA (Arizona Consumer Fraud Act). Diamond shall advise all Vacation Counselors and Sales Managers that they may not:

  1. Sales agents should not deviate from sales material
  2. Sales agents should not make oral representations at the point of sale inconsistent with the Purchase document.

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

Contact Inside Timeshare or one of these self-help groups if you need help.

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/

That’s it for this week, Friday is here and the weekend is about to start, join us next week for more readers stories and their experiences in the world that we call “A Nightmare on Timeshare Street”.

We will also be publishing more information on those companies that keep springing up promising the earth and delivering nothing, so remember if you are called and are not sure if the company is genuine, do not do anything until you have done your homework, double check and check again.

If in doubt contact Inside Timeshare and we will show you where to look.

Have a great weekend.

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

Friday’s Letter From America is from Irene Parker, written from Poco Diablo Resorts, a Diamond Affiliated property in Sedona, Arizona. Irene thought our EU readers would like to hear about an unusual travel activity that takes place annually in Sedona, one of the most popular tourist destinations in America, south of Arizona’s Grand Canyon.

Irene said she received good value for her Diamond points. All timeshare members should remember their timeshare math, checking the value of maintenance fee dollars against booking online. Given Poco Diablo’s $13 per night fee for something, and a 13% tax, it was significantly less using Diamond points. She checked into Poco Diablo on Friday the 13th.

Inside Timeshare has been asked by Canarian Legal Alliance to issue the following warning.

A company going by the name of Abogados Lopez (Gran Canaria & Marbell) is contacting clients and stating they are calling on behalf of CLA. In the call clients are told that a settlement has been reached and a considerable sum has been offered.

To finalise the payment  of these funds, a processing fee of 10% is required, this is to be paid by bank transfer.

According to the email after the initial telephone conversation, the processing fee covers the following:

Modelo 214: This is a Tax declaration form, it has to be filled in by their Notary on the clients behalf. It is to confirm that the money awarded by the judicial system is non-taxable, but when is arrives into the clients personal account via bank transfer the client must inform the Inland Revenue.

Modelo 037: Another form which enables their Notary to set up an online verification account in the client’s name.

Modelo 790: Yet another form which gives them authority to enter the clients non-residential NIE number into the fiscal system, attaching it to the clients case file. The client is also told it is only valid for three months.

The attached letter in the email has what looks like official stamps and logos, so it does look very official to the uninitiated.

They are using 2 telephone numbers, one is a Spanish mobile number: 0034 602 657 670 and a UK number with a Chepstow code: 01291 440500, when dialled this number does not connect, another number that has been given is 0034 951 242 867 which is a Malaga number.

Their email address is: [email protected], there is a website but it does not contain any information. The website was registered on 22 March 2018 and is using a privacy service to hide the owners.

The address that Abogados Lopez is using is: Calle Teniente C Castillo, Olivares 12, 35011, Palmas De Gran Canaria, Gran Canaria, España.

This is yet another fake law firm and is not working with Canarian Legal Alliance and has no authority from them, if you have been contacted by Abogados Lopez and received any information from them via email, contact Inside Timeshare and we will pass on the information to the lawyers at CLA.

Now for this weeks Letter from America

Our Diamond Resorts Experience at Poco Diablo, Sedona, Arizona

The War In Between, by Director Producer Riccardo Ferrais

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

A documentary about PTSD diagnosed veterans and wolves and why timeshare sales agents should not defraud our veterans

By Irene Parker

April 27, 2018

Tuesday May 1: A Military PSA by Joshua Parker, US Army, Ret, OIF

A Wolf Friendly Resort – Wolf Week April 17 – 22 at Poco Diablo

An unusual resort activity

POCO DIABLO RESORT is a trademark of Poco Diablo Resort, LLC, a limited liability company formed under the Limited Liability Code of the Fort McDowell Yavapai Nation.

Those who suffer from the effects of a traumatic event can do one of two things – fall victim or channel outward in the fashion of John Walsh, producer and director of the American television show, America’s Most Wanted, advocating on behalf of homicide victims and their families. Joshua Parker is an army combat veteran alleging he was defrauded by timeshare and told by a company vice president, “We are not responsible for what our sales agents say,” Joshua has joined our advocacy efforts reaching out to military publications to warn veterans, and especially Active Duty military, several in danger of losing their Security Clearance due to timeshare foreclosure.  Sales agents, by the words of this vice president, are encouraged to make up outrageous claims to sell vacation points. Inside Timeshare has heard from 42 members of the military alleging they were defrauded by timeshare sales agents.    

Scamming consumers is bad enough, but we find nothing more disturbing than preying on war heroes who have put their physical and mental health on the line to protect all Americans. About a third of our veterans are combat veterans, several 90 to 100% disabled. We believe the reports of the war heroes over the denials by timeshare sales agents, several repeat offenders. According to the FTC:

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/

Wolves and veterans

One of the activities during Wolf Week in Sedona was the showing of the documentary, The War In Between. Combat veterans, diagnosed with PTSD and wolves, victimized by illegal trappings, work towards recovery. After the film, we had the opportunity to meet director Riccardo Ferrais and the wolves.

Plan B Founder and advocate with her rescued victims, Chaos and Theory

https://www.planb.foundation/

https://lockwoodarc.org/larc-veterans

Wolf Week was presented by The Plan B to Save Wolves and Apex Protection Project with Presenting Sponsor Poco Diablo Resort an Enterprise of the Fort McDowell Yavapai Nation.

Founded by Betsy Klein and Timon Pratt, the Plan B Foundation is a 501(c)3 corporation created to support organizations and individuals in their mission to protect, preserve and rescue wolves and wolf dogs through advocacy, education and funding.

From the book Wolfer, by Carter Niemeyer, a Wolf Week guest speaker:

“Carter stands between these waring groups, the furious ranchers and outraged environmentalists, mediating, doing what he has to do, with a heavy heart.”

Nicholas Evans, Author of The Horse Whisperer

Having spent almost three years now listening to reports from families describing how their lives have been ruined after falling victim to predatory and deceptive timeshare sales, I understood the bittersweet experiences wolf advocates experience on a daily basis. We wish we could win them all too, but reluctant regulators and timeshare developers, who care little how points are sold, allow the hamster wheel of recycled timeshare inventory to continue unchecked. The best we can do for some is guide the member and their family through the painful foreclosure process. Despite what “Get you out of your timeshare” ads advertise, there are no guaranteed timeshare exits. We have had members report being charged thousands of dollars, only to eventually be told foreclosure is a guarantee. Most timeshare members have high credit scores and have rarely been late on a payment, but rising maintenance fees, the lack of a secondary market, and rising fraud have spelled disaster for many families. Inside Timeshare US and Timeshare Advocacy Group™ has assisted 406 families, 148 since January 1.

I hear members say things like, “There is never any availability” or “You can always book cheaper online.” My husband and I own 10,200 Diamond points. We used 8,000 points to book two weeks (which happened to be during Wolf Week) at the Diamond affiliate Poco Diablo property. Our first timeshare exchange thirty years ago was at Poco Diablo. Compared to Booking.com, we saved a good bit using Diamond points over booking online. The wolf friendly Poco Diablo resort, of the same name, borders the timeshare Poco Diablo.  

We usually stay at Diamond’s Los Abrigados resort in Sedona, our home resort, but Los Abrigados was not available this year. We own Diamond US Collection points and Premier Vacation Club points. I’m told PVC members pay the highest maintenance fees. When we asked to use the Spa at Los Abrigados, checking the box that said we were PVC members, we were denied access. We explained that the reason we were not staying at Los Abrigados was because there was no availability and that our maintenance fees went toward the spa maintenance. The attendant said they would make an exception this one time, but advised that we would have more flexibility if we gave up our PVC points for Diamond points. After a ten minute lecture, the attendant said, “Maybe I’ll look for another job.” Diamond advertises Poco Diablo as a Diamond property.          

https://www.diamondresorts.com/destinations/property/Villas-at-Poco-Diablo

Our advocates are available free of charge. We have saved more than a few members from the nets of scams. We have assisted hundreds of members with regulatory and, if needed, law enforcement filings. We thank all our advocates for their part in the process, and thank timeshare members for reporting. Without regulatory filings, nothing will ever change. Contact one of these self-help groups we feel are not industry influenced if you need help with a timeshare concern.

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

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

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 Irene, we all hope you and Don had a very enjoyable vacation, although we do know you were still hard at work on behalf of all those who have contacted us.

If you have any comments or questions about any article published use our contact page and get in touch with us.

Have you had a call regarding your timeshare, be it resale or claims and want to know if the company is genuine, then get in touch and we will point you in the right direction.

Join us again next week when we bring you the latest news on the timeshare world, we also hope to have some news about the EZE Group case at Birmingham Crown Court, where Dominic & Stephanie O’Reilly will be told their fate.

Have a great weekend.

Claims and Relinquishments: Who Can You Trust?

Just recently Inside Timeshare has been receiving many enquiries regarding RSB Legal, mostly Club la Costa members, they have all been the same, “have they gone out of business as we cannot contact them”?

Well the short answer is probably yes, according to Company House records under Company Status, there is an “Active proposal to strike off”, which means they are about to be liquidated. They are also overdue on this years accounts, which have not yet been submitted. (See PDF below)

RSB LEGAL LTD

What were RSB Legal doing?

The “service” they were offering was cancellation of timeshare contracts and compensation claims on a no win no fee basis, sounds good does it not?

Only problem is that to make the claim the client must pay thousands to cancel the contract first, once the client is out of the timeshare they would then do a claim. Only one problem here, how is the claim to be made?

As most of the timeshares were purchased in Spain, then Spanish Timeshare Law applies, this is where the problem lies. Once the timeshare has been cancelled, it is not possible to take the claim through a Spanish Court, there is no contract in existence, therefore no claim.

So this leaves us with only one alternative, a Section 75 under the Credit Consumer Act 1974. But this only covers the following:

Goods and services not received, the company has gone into liquidation, (therefore you will not receive the goods or services), faulty goods or goods not fit for purpose.

https://www.moneysavingexpert.com/shopping/section75-protect-your-purchases

Now considering that many have used their timeshares, the timeshare company will argue with your credit card provider that you have used the goods and services, after all you have booked holidays!

Section 75 does not cover a timeshare for contravening Spanish Timeshare Law, for instance, the illegal taking of deposits or full payment within the 14 day cooling off period, contracts with a duration of more than 50 years or floating weeks and points systems.

The only way to claim for these breaches and have the contract declared null and void, that is different to being cancelled, is through litigation in a Spanish Court. Also not all contracts will be claimable, there are cases which will not be accepted either by a reputable law firm or the courts.

Now for the relinquishment, our readers have also told us that their cancellations have been passed to another firm called Taylor Marshall Associates, again the story is the same. They are told not to pay anymore maintenance fees, then after some time the client receives a letter stating that their contract has been terminated. Unfortunately they find out from Club la Costa that it has not. Below is an extract from Club la Costa’s email to clients:

“Since February 2016 CLC World (‘CLC’) has been receiving identical ‘copy’ correspondence, from companies called ‘Taylor Marshall’ and ‘RSB Legal’ in respect of some of our Members. Regardless of the holiday product held by the Member or their membership history, the only change to each letter is the name of the Member on the top of the correspondence.

Furthermore, the correspondence was initially near identical to those received from other claims companies against whom the UK authorities are now taking legal action.

Over the last 2 years, CLC has consistently advised Taylor Marshall and their associated company RSB Legal that we will NOT accept their correspondence as correct notification to “TERMINATE” any CLC World membership. CLC World has an established free of charge exit strategy in place for all CLC Members and we do NOT accept Surrender or Relinquishment notices from third party claims companies. Despite this, Taylor Marshall (RSB Legal) continue to falsely claim that they are successful in somehow ‘forcing’ CLC World to release members from their contracts. This is simply untrue.

CLC will only complete a Surrender Request when processed direct with the CLC Member.

We have seen Taylor Marshall’s so called ‘Contracts’ that state that Members should not speak with CLC World or they will face financial penalties. We understand that this, unnecessarily worries many of you, and if this is the case, may we respectfully suggest to you that you contact either the CLC World MS Legal team OR one of the well-established organisations we refer to below for advice.

Unfortunately, there are many ‘Third Party Claims’ companies who encourage people to ‘sign-up’ with them by making false claims about their membership. Many of these companies are linked to each other and we are glad to report that more and more the UK Authorities are taking positive enforcement action on behalf of individuals who have become involved with these companies”.

Why would Taylor Marshall’s contract state that members should not contact CLC World or face financial penalties?

Could it be they don’t want you to find out that your contract has not been cancelled?

Are they that nieve that you will not find out, after all you will end up getting demands for maintenance fees?

CLC are not the only company that hold this position, many more are taking the same line, Diamond have a policy in place, one is exceptional circumstances which cover those over 75, death of a partner, financial hardship and medical. If the member does not fall into this then they have the possibility of relinquishing on payment of 2 years maintenance.

We now have another problem, as the work has not been done is there a chance of getting the money back under section 75?

If this was paid partially or in full on a credit card there is a possibility, the problem is that RSB Legal will claim as they do not actually do the relinquishments but contract them out to a third party, Taylor Marshall, they have fulfilled their contractual obligations. After all the claim is no win no fee!

Now that RSB Legal cannot be contacted and there is a proposal to strike off, the possibility of claiming may come under “the company is no longer trading”, so a claim may be possible.

Whether they are UK based or Spanish based companies, there are many more who use the same method of extracting your money, the only safe option is to do your homework before paying any money. If you do pay never do so by any other means than a credit card, that way at least you may just be able to get the money back.

If you have any questions or concerns about any company that has contacted you with a similar “pitch”, contact Inside Timeshare and we will be pleased to help and point you in the right direction.

check list

Friday’s Letter from America

This weeks Letter from America by Irene Parker reviews the results for the First Quarter of this year, judging by these figures the rest of the year is definitely going to be busy. But first we have a look at what has been happening in Europe.

Canarian Legal Alliance announced this week their 100th Supreme Court ruling, this achievement has made Spanish legal history, especially in the field of timeshare litigation. Within days of this announcement, CLA also received numbers 101 and 102 judgements.

The three rulings declared the Silverpoint contracts null and void with over 63,000 Euros being returned to the clients plus legal interest.

There was also a High Court ruling from Tenerife, again against Silverpoint, resulting in the contract being declared null and void with the return of over 14,000€ plus legal fees and legal interest.

No doubt the clients, lawyers and staff at CLA are celebrating.

All this week Inside Timeshare has been running article on the “Fake Law Firms” operating out of Tenerife, identifying many of the photographs of “their lawyers” posted on their websites.

We have shown 2 US lawyers, 2 Australian, several Spanish lawyers, 3 of which are from the same firm, An eminent Peruvian lawyer, Chilean, Columbian and the most surprising of all was the Azerbaijani Ambassador to Argentina.

Now for this weeks Letter from America.

Timeshare Advocacy Group™

First Quarter 2018 Results

April 13, 2018

By Irene Parker

Helping

First quarter results are in. Inside Timeshare received 116 US timeshare complaints since January 1. Remarkably, there have been nine positive outcomes (loan cancellation and/or refund) and eight resolutions – relinquishment or an answered question resolved the dispute. Timeshare resolution within three months is unusual. This fast-track resolution saves the timeshare member legal fees and the timeshare developer legal or arbitration fees.  We have kept many members out of the nets of “guarantee you a timeshare exit” scams created by the industry when licensed timeshare resale brokers won’t accept a timeshare listing, if they consider the timeshare worthless on the secondary market. Scammer listing agents will take your money and run, not caring if your timeshare sells.

Inside Timeshare has received 381 timeshare complaints since we began tracking complaints late 2016, so 116 complaints received since January 1 is an extraordinary jump in complaints (or readership). Timeshare members contacting Inside Timeshare have witnessed little interest from Florida, Virginia, California or Nevada Attorneys General timeshare divisions, assigned to enforce or not enforce timeshare regulations. Regulations may be in place, but seem to be little enforced. The Florida Timeshare Division dismisses timeshare members with, “Verbal representations are hard to prove,” and Nevada dismisses criminal allegations with, “You have no proof.” Based on one such response received by one Florida resident, we now know why the Florida Department of Business Practice and Regulation DBPR only acted on 110 out of 2,360 timeshare complaints filed from 2012 to 2014. One of our advocates is researching more recent numbers through FOIA.

Our members disagree with ARDA’s assertion:

From ARDA’s Code of Ethics: http://www.arda.org/ethics/

According to ARDA’s website – “Vacation Ownership is one of the most highly regulated vacation products in today’s consumer marketplace.”

Regulations are one thing. Enforcement is another. However, Attorneys General who have initiated and closed investigations against timeshare developers in 2016 and 2017, achieving settlements, did not buy into “You have no proof” or “You signed a contract.” These Attorneys General include: NY, CO, AZ, TN, MO, WI, NC, and the Florida DBPR, sources say, is investigating The Berkley Group (Vacation Village).

Timeshare members have been reaching out to the FBI, because most allegations meet the FBI definition of white collar crime “deceit, concealment violation of trust, bait and switch.” One FBI agent contacted and met with one of our Diamond Advocacy Facebook members.

Updates from a few of our advocates:

Josh Parker, US Army, Ret, OIF

Josh says they were told DRI points are an investment and easy to sell. Now expecting twins, they have learned there is virtually no secondary market for DRI points. Josh was told by a DRI Vice President, “We’re not responsible for what our sales agents say.”  

http://insidetimeshare.com/fridays-letter-america-41/ https://www.youtube.com/watch?v=ezkJ7GlJN4U&feature=youtu.be

Teresa Laird, on behalf of her parents, Raymond and Teresa Mori, Mr. Mori age 83, 23 years a Marine, disabled. Raymond Mori earned two Purple Hearts, now facing timeshare foreclosure. Teresa says she asked DRI to cancel a Sampler trial product sold to her parents, but says instead the company by phone sold Mr. and Mrs. Mori another 17,000 points, saying they took care of it by attaching it to another program.

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

Angela Sandstede on behalf of her parents Roy and Lillian Simmons, Mr. Simmons a Navy veteran, retired letter carrier, upsold into foreclosure, now in danger of losing their home. Their monthly DRI payment is $2,750 a month. They live on Mr. Simmons letter carrier pension.

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

http://insidetimeshare.com/tuesday-slot-irene-16/

Sheilah Brust: Worked for the New York Governor’s Office of Employee Relations – Upsold by the same Daytona sales agent as Gad and Noreen Leibmann pictured below.  http://insidetimeshare.com/tuesday-slot-irene-14/

Richard Sokolowski: Arizona Real Estate

http://insidetimeshare.com/fridays-letter-america-43/

Greg Jennings: “My Name is Recycled Inventory”

http://insidetimeshare.com/tuesday-slot-irene-15/

Eron Grant: Catholic School Guidance Counselor http://insidetimeshare.com/fridays-letter-america-40/ https://www.youtube.com/watch?v=-FMk_45zRzk&feature=youtu.be

Gad and Noreen Leibmann: Navy Veterans

Gad Noreen

This is our “How to File a Complaint” form (Contact Inside Timeshare for assistance – we may be in Spain but are only a click away)

http://insidetimeshare.com/tuesday-slot-irene-16/

Section 5 of the FTC Code: The basic consumer protection statute enforced by the Commission is Section 5(a) of the FTC Act, which provides that “unfair or deceptive acts or practices in or affecting commerce…are…declared unlawful.”

  1. Consumer Protection

“Unfair” practices are defined as those that “cause” or [are] likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition” https://www.ftc.gov/about-ftc/what-we-do/enforcement-authority

We know the members above have suffered substantial injury. The gray area is “not reasonably avoidable” so the answer is a determined and pervasive media outreach to educate the general public on the fact that when they buy a timeshare product, they are signing a perpetual contract, with rising maintenance fees, and virtually no secondary market. Not one of the 381 families that have reached out to us since late 2016 knew this. Contact Inside Timeshare or a non-industry influenced self-help group if you need help with a timeshare concern.

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 Irene and all those volunteers who give up their time to help others, the world of timeshare needs people like you.

If you have any comments or questions about any article published or just need some help in  deciding which company is genuine, then contact Inside Timeshare through our contact page. We will help point you in the right direction, Remember doing your homework will save you money in the end.

Have a great weekend and join us again next week for more news and information on the murky world of timeshare.

weekend cat

Friday’s Letter from America

Welcome to the Easter edition of Friday’s Letter from America, by Joshua Parker, Sheila Brust and Richard Sokolowski, edited by Irene Parker.

Just as we were getting this ready to publish, Josh has been informed by the Florida Timeshare Division, they will be initiating a new investigation into his complaint. Josh and Nicole’s first complaint that they were told their Diamond points are an investment and easily sold, had been closed. They are now expecting twins and cannot afford the timeshare, Josh is a combat veteran who has seen service in Iraq. So at least some good news before we start.

Normally we have a roundup of news from Europe, but that was published yesterday, so straight on with our Letter from America.

Timeshare is a Highly Regulated Product?

Earth to ARDA Part II

Another Open Letter to ARDA CEO Howard Nusbaum

Robert Clements, Lobbyist and General Counsel

Peter Roth, ARDA media

By Joshua Parker, Sheilah Brust and Richard Sokolowski

March 30, 2018  

consumer1

From: American Resort Development Association’s Code of Ethics:

According to ARDA’s website – “Vacation Ownership is one of the most highly regulated vacation products in today’s consumer marketplace.”  

Diamond Resort members Sheilah Brust, Joshua Parker, and Richard Sokolowski have learned there is no timeshare regulation and there is no timeshare enforcement for us. We have been filing complaints with every regulatory agency known to an American citizen and all we get is a passing of the buck to another department or agency. In addition, we have been given some ludicrous advice from regulators that are clearly out of touch with timeshare consumer reality.

Sadly, we agree with Eron and Irene. We think ARDA’s Code of Ethics is meaningless. Like Eron and Irene, we are professionals.

Sheilah Brust: Worked for the New York Governor’s Office of Employee Relations

My experience speaking with an FBI agent and what I learned about the process    

http://insidetimeshare.com/tuesday-slot-irene-14/

Josh Parker: Army combat veteran, Sergeant

http://insidetimeshare.com/fridays-letter-america-41/

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

Richard Sokolowski: Arizona Real Estate

Earth to ARDA by Eron Grant and Irene Parker – Part I

http://insidetimeshare.com/fridays-letter-america-40/

Eron’s YouTube https://www.youtube.com/watch?v=-FMk_45zRzk&feature=youtu.be

Sheilah Brust: So far the only light on the horizon is the FBI. Through Social Media members are talking to other members. No one doubts there are those who use and enjoy their Diamond points. I enjoyed my Diamond points as a Platinum member until we were pitched a program that does not exist. We weren’t confused. The numbers were easy to understand. Gad and Noreen Liebmann are enjoying their retirement by protesting outside Diamond’s Daytona Beach Regency Resort. We were both up-sold by the same Diamond sales agent, Brad Leslie, the same program that does not exist, and still Diamond will not listen.

Protest

According to Facebook postings, the FBI has been responsive and agrees our allegations constitute fraud – deceit, concealment, violation of trust, bait and switch. In our opinion, Diamond, in effect, endorses and approves of these tactics by maintaining the position the customer is always wrong. Hospitality agents from the Diamond Resorts Consumer Advocacy Department automatically respond, “Sorry you signed a contract” and the emailing of your initials on fine print rewards bad behavior with a commission check.  

Josh: I was advised by Hector Tapininge at the Florida Department of Business Practice and Regulation DBPR to call a member of the Licensed Timeshare Resale Broker Association.

http://www.licensedtimeshareresalebrokers.org/

Like Sheilah, I learned licensed timeshare resale agents won’t even accept a Diamond listing feeling the resale market for Diamond points is non-existent. I almost signed up with a scam until finding our Advocacy Facebook.

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

When I informed my reviewer that licensed resale brokers won’t accept a Diamond listing; he said he was aware of this. In other words, send the consumer on a wild goose chase that often leads Diamond members into the nets of scams.

How many timeshare buyers knew they were buying a lifelong timeshare product that could not be sold? As a veteran, I can tell you no service member would ever buy an unsellable asset. The Diamond contract states you can sell your points. Since you are dealing with a licensed real estate agent, it is logical to assume the timeshare can be sold, especially since we were told Diamond points are an investment.

Given so little enforcement and regulation, our mission is to reach the general public to make sure they know they are spending thousands of dollars, signing a perpetual contract, with rising maintenances fees and no secondary market.

Veterans, Active Duty military and law enforcement and government workers are encouraged to support Whistleblowers of America, a nonprofit in Washington DC that seeks justice.

https://whistleblowersofamerica.org/

Sheilah: I was contacted by Mr. Alan Parkinson, Bureau Chief for the Bureau of Mediation & Enforcement, Division of Consumer Services.

Mr. Parkinson recommended I contact DBPR, the same Florida Department of Business Practices and Regulation Josh contacted. We saw how much good that did with the response Josh received. I will follow up and we will all continue to report on our progress or lack of. I too spoke with licensed resale brokers. I was told even timeshare companies that do allow a secondary market; the net to the consumer is often negative after commission. I was told I could list a deeded week I own, but it would end up costing me money to get rid of it. Consumers defrauded, are left with a perpetual contract, rising maintenance fees and no secondary market. It’s a recipe for disaster.

Richard Sokolowski: I tried to file a complaint against Diamond Resorts with the Nevada Attorney General’s office. They won’t do anything if I did not buy from a Nevada sales agent. I can’t believe a consumer complaint can’t be filed against a company headquartered in Nevada.

I was also told to contact an attorney. Diamond is the only major timeshare with a class action ban, forcing arbitration. Arbitration is known to be pro-industry. Diamond hires the arbitrator. If the arbitrator rules against the member, the member can be ordered to pay Diamond’s legal fees; and that amount can be higher than the disputed amount. Besides, Diamond has armies of lawyers and outside law firms. They can outspend the average citizen. I’ve talked to lawyers. Getting a lawyer will do nothing to stop predatory and criminal business practices.

Sheilah: According to Josh, this response from the Florida Bureau of Mediation & Enforcement is useless.

Ms. Brust,

By way of introduction, my name is Alan Parkinson and I am the Bureau Chief for the Bureau of Mediation & Enforcement, Division of Consumer Services.  I have received your concerns and would like to take a minute to respond.

The Florida Department of Business and Professional Regulation has a Timeshare and Condominium division that can likely address many of your concerns regarding the sales practices and issues you have with Diamond Resorts.  If your issue is with the purchase and contract for the timeshare, they would be the appropriate agency to speak with. You can contact them through the link below:

http://www.myfloridalicense.com/dbpr/  

 

If your issue is outside of those parameters then you may consider filing a complaint with us so that we can reach out to them and asked that they address your concerns.

www.floridaconsumerhelp.com  

If you any questions please feel free to contact me directly.

Alan Parkinson

Comment from Irene

The Florida timeshare division only acted on 110 out of 2,360 timeshare complaints filed from April 2012 to April 2014, in contrast with the Arizona Attorney General’s office that opened an investigation after receiving 400 DRI complaints and, according to a source, received 500 additional complaints after the press release. The AZ AG has issued an Assurance of Discontinuance, accusing the company of violating the Arizona Consumer Fraud Act. Diamond did not admit wrongdoing.

From Eron’s March 9 article:

Inside Timeshare will be following Platinum Diamond members Roy and Lillian Simmons as they make their way through Vacation Ownership’s highly regulated industry. Mr. and Mrs. Simmons are worried about losing their home, up-sold at age 69 and 70 to $2,700 a month in timeshare loan payments. They live on Mr. Simmons letter carrier pension.   

Roy and Teresa Mori, Mr. Mori a recipient of two Purple Hearts, remains devastated. Based on the response daughter Teresa Laird reported to us from a hospitality agent working for Diamond Resorts Consumer Advocacy Department, the company doesn’t care if sales agents have allegedly ruined their lives. “Sorry, you signed a contract” after being sold 17,000 MORE points over the phone by a Las Vegas company representative after daughter Teresa called to explain the Sampler or trial product should be cancelled. In the middle of her archeology thesis, she is making signs to protest outside Diamond’s Polo Towers.  

In response to a draft sent for comment, Josh received this response from DBPR:

Josh’s responses to Ahmed Y. Kassoo  are in bold

Thank you for contacting the division regarding your concerns. Please note that the division is not authorized to comment on or give its opinion of or approve any articles written by any individual which he or she intends to publish in any form including at various websites or in other publications.

I understand.

Since the division does not regulate the operations of real estate brokers, we are not aware of their criteria with regards to offering real estate listing and marketing services.  As a courtesy and for information purposes only, we provide the web site information of licensed real estate brokers (LTRBA) who specialize in selling timeshare interests and vacation club membership in Florida.  We neither recommend nor endorse a particular broker.

I understand, but why is nothing done about Diamond sales agents allegedly selling vacation points as an investment, yet the points are worthless the moment the contract is signed, should the buyer need to sell. LTRBA members will accept a listing for any major timeshare EXCEPT Diamond Resort, so not only is there no resale value when they are selling the points as an investment, they are the only major timeshare company that can’t be listed with them. Our Diamond Advocacy Facebook of over 1,100 members is flooded with similar complaints, the BBB has over 1,000 complaints and the AZ AG received over 900 complaints, yet the Florida AG timeshare division sends you to LTRBA? Can you see how frustrating this is? Not only is there no regulation or enforcement, Diamond victims are sent on a wild goose chase.     

Please note that it is always safe to employ a licensed real estate broker who are prohibited from collecting advance fee for listing the timeshare for rent or sale, except when permitted by law, and who are strictly regulated by the state.

What does this have to do with Diamond members if the LTRBA members won’t list their points? They feel Diamond has restricted the use of points purchased on the secondary market to the point it does not exist; it’s a hamster wheel 1. Lie to sell 2. Force foreclosure (I know of over 30 active duty and retired military and law enforcement alleging they were defrauded by Diamond, Bluegreen and Vacation Village, seven are concerned they are going to lose their Security Clearance, one lost his air unit command) 3. Take back the points 4. Resell to the next victim. With so little enforcement or regulation, there is nothing to stop timeshare sales agents from using and abusing the oral representation clause.    

If they cannot help the owners, they will let them know upfront and will not waste their time and money to advertise their properties which they know are not marketable. They will not give a false hope unless they are sure they can sell the timeshare.  Despite your statement that “resale market is nonexistent”, please note that timeshare interests do sell in the secondary market, however, buyers are selective and only buy those timeshares which they consider to be in high demand at choice locations. Therefore, it is not true that the timeshare resale market is non-existent.  If it was, these brokers won’t be able to survive.

One of them told Shielah they survive because they get paid a commission even when the seller ends up with a net loss. We don’t hold that against them, but that’s how they survive.  

An owner is free to select any entity to market his/her timeshare interest or club membership.  However, based on the history of complaints we have received, we have learned that many owners have been burned by the individual and entities who take their money and run without providing the promised services based on false and misleading claims.

Exactly, I rest my case. The industry is the cause of the scams because desperate consumers who feel, know, they were defrauded, are easy prey for professional liars.  

I hope this information was helpful

No, I’m sorry. It was of no help. It is my opinion the reason there is so little enforcement and regulation is because Florida Attorney General Pam Bondi is influenced by the timeshare PAC ARDA. I will be researching through FOIA how much money she has received in campaign contributions and other means.    

https://www.nytimes.com/2014/10/29/us/lobbyists-bearing-gifts-pursue-attorneys-general.html

If you have any other question or concern, feel free to contact us at your convenience. Thank you for giving us an opportunity to address your concerns.

Thank you. I would like to speak with you. My wife and I have been defrauded. I am a combat veteran, 90% disabled. My wife is pregnant with twins. We bought this because we were told it was an investment and that the points could be easily sold. I know many other members who would appreciate your help, like Eron, Sheila Richard and Gad mentioned in the article.

How many consumers need to contact DBPR to convince DBPR some timeshare sales agents in Florida are engaging in criminal practices?  Irene said Bluegreen has as many complaints as Diamond, but they have their own Advocacy Facebook.

Josh Parker

If you are having a timeshare nightmare, contact our Facebook or one of the non-industry influenced, self-help Facebooks and website listed below.

star

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

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 all our contributors and we hope we see more positive results in the weeks ahead. If you would like to share your story with others, contact Inside Timeshare.

We wish you all a very Happy Easter and don’t eat all the eggs in one go!

easter egg

The Tuesday Slot with Irene

Welcome to the Tuesday Slot with our very own Irene Parker, this week Irene explains the Diamond Resorts Owners Advocacy Facebook and what it stands for. Since its inception it has been growing its membership base on a daily basis, it is also becoming an influential force in US timeshare. But first a quick look at some news in Europe.

The UK news has been dominated recently by the death of a former Russian double agent and links to the murder of another Russian Businessman, but what has this to do with timeshare I hear you ask?

Well, according to the Daily Express and a story they published on Friday 23 March, police are also re-examining the murder of John “Goldfinger” Palmer, who many of you will remember from the Brinks Mat bullion robbery, but most of all for his timeshare empire in Tenerife.

John Palmer was found dead at his Essex home in June 2015, but it was not until around a week later they discovered he had been shot. According to the Express police are looking into his international associates, especially his connection with money laundering for a former associate of the Russian President. So the story of John Palmer continues, see link below for the Express story.

https://www.express.co.uk/news/uk/936107/Russians-kill-John-Palmer-British-gangster-linked-Boris-Berezovsky-death-re-examined#

Once again Inside Timeshare warns readers of the fake law firms and claims companies that keep springing up. As always the call tells the owner their timeshare resort / company has been taken to court or are about to be taken to court, that there is a significant amount of money being held and just waiting to be paid out to them.

The next step is to have this money released, there is usually a tax that has to be paid to the court, or even that you need to get a Spanish NIE number, which they can get for you, obviously for a fee. Most of the time the money has to be paid by bank transfer to an account of a named individual. Don’t pay it!

If you are paying “tax” or costs for a service, you would not be paying into the account of a named person, would it not be the tax office, court or a named company?

Remember, once you have paid by bank transfer, the money will have disappeared and you will never get it back. Now for this weeks article from Irene.

What is the Diamond Resorts Owners Advocacy Facebook About?

advocate 1

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/

By Irene Parker

March 27, 2018

A Comment on gun violence in America

There were a lot of voices being heard throughout America this past weekend, teens voicing their feelings about gun violence. Whether you are for or against their position, one can’t help but admire their courage, determination and persistence.

https://www.washingtonpost.com/local/march-for-our-lives-huge-crowds-gather-for-rally-against-gun-violence-in-nations-capital/2018/03/24/4121b100-2f7d-11e8-b0b0-f706877db618_story.html?utm_term=.6143e61d44d4

You can succumb to being a victim or you can use your experience to foster a greater good. Charles Thomas and I have listened to 366 US timeshare members express their anger since we began counting late 2016. We have received 101 US Diamond member complaints since January 1. Many of the families are outraged alleging they were sold by sales agents employing deceitful bait and switch tactics. Many members have been helped, but only after endless rebuttals, regulatory and law enforcement filings, and media outreach. Still, any timeshare company can just say no, knowing there is little timeshare regulation or enforcement.    

Inside Timeshare supports families through the 180 day foreclosure process. The vast majority of those going through this painful process are responsible citizens who have rarely been late paying a bill. The timeshare contract is perpetual, there is virtually no secondary market. There are DRI Facebooks that have some exchange of Diamond points from member to member. Families in foreclosure:

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

Amanda and George Jones: http://insidetimeshare.com/tuesday-slot-irene-3/

Scotty Black: http://insidetimeshare.com/fridays-letter-america-36/

Greg Jennings: http://insidetimeshare.com/tuesday-slot-irene-15/

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

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

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

Josh Parker: http://insidetimeshare.com/fridays-letter-america-41/

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

There are several others facing foreclosure who have not published an article. Three of the above are concerned about losing their Military/Law Enforcement Security Clearance. Four are disabled veterans, two 90% to 100% disabled.

Diamond Resorts has been responding to member complaints. About 100 of the 345 DRI complaints have been resolved through relinquishment, loan cancellation, refund or foreclosure. http://insidetimeshare.com/fridays-letter-america-37/

One advocacy silver lining is that members foreclosed do not have to sign a non-disclosure agreement. Like America’s teens raising their voices demanding change, foreclosed members can remain outfront and vocal advocates.

What the Diamond Resort Owners Advocacy Facebook is not:

The Diamond Resorts Owners Advocacy Facebook is not a complaint site. If members join only to express displeasure, they are better served by posting on Trustpilot or Tripadvisor. While venting may make a person feel better, ranting on a complaint site will do nothing to change what we feel are predatory and criminal business practices, as defined by the FBI. Sheilah Brust wrote this article about her experience reporting her complaint to the FBI. Sheilah can now advise others. Sheila has not signed a non-disclosure agreement. http://insidetimeshare.com/tuesday-slot-irene-14/

There has been no response from ARDA challenging their Code of Ethics. Timeshare members need to research what the “Voluntary ARDA ROC “donation” is doing on their maintenance fee invoice.

https://www.redweek.com/resources/ask-redweek/arda-roc-donation-in-maintenance-bill

Timeshare Advocacy Group™

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

Timeshare Advocacy Group was launched by a small group of advocates that has grown to a solid group of 44 advocates concerned about the volume of timeshare complaints found on the internet directed against Wyndham, Bluegreen, Diamond Resorts, Vacation Village and a few others. The only timeshare that seems to have almost no complaints is Disney Vacation Club. TAG feels timeshare members should have a safe place to get straight answers about their timeshare concerns and be provided with assistance when regulatory and law enforcement fillings are called for.  

Book worm

We hope lessons learned by consumers who purchased a timeshare product they did not understand will reach the general public so  prospective timeshare buyers know what questions to ask before buying or upgrading a timeshare.

http://insidetimeshare.com/fridays-letter-america-16/

Our Advocates are here for support. The only reasons for removing a member from our Diamond Resorts Advocacy Facebook are:

  1. A member will be removed if they are insulting or disrespectful to another member.
  2. If a transfer, listing agent, or “get you out of your timeshare guaranteed” company solicits a member, they will be immediately removed. Karen Krokosh wrote this article about her experience with Sell My Timeshare Now and is now researching member complaints of this nature. http://insidetimeshare.com/tuesday-slot-irene-5/

Members need to be aware that there have been reports of timeshare members being charged thousands of dollars for a guaranteed exit, only to learn the exit company considers foreclosure a guarantee. No one should sign up with anyone demanding upfront money, even an attorney, without checking with us because we have learned there are some lawyers with questionable business practices.

http://insidetimeshare.com/legal-news-us-castle-law-group-pc-v-timeshare-developers/

We support our members from their first Facebook post through resolution. This is our complaint form: http://insidetimeshare.com/file-timeshare-complaint-revised/

Inside Timeshare is part and parcel of the Diamond Resorts Owners Advocacy Facebook. Timeshare Advocacy Group™  was formed hoping timeshare members will look beyond just their own timeshare company concerns. We feel there are some deceitful and predatory timeshare business practices so ingrained; they are endorsed and encouraged from the top levels of the management down to the person who responds with, “Sorry you signed a contract.” Checking with the FBI we have learned many of the complaints reported to Inside Timeshare meet the FBI’s definition of White Collar Crime – deceit, concealment, violation of trust and bait and switch. See Sheilah’s article for more information about the FBI.

Other self-help Timeshare Support Groups, in our opinion, not industry influenced,

https://tug2.com/Home.aspx

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

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

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

We don’t mind if industry insiders or Diamond employees join our Facebook as long as they are respectful. In fact, we encourage this hoping they will confront the serious problems we have uncovered. It would be great if we could all just get along. I have always said, “Half a problem goes away when confronted.”

happy kids

Thank you Irene and also a big thank you to all the volunteers who give up their time to help others, between us we are changing the face of timeshare.

If you have any comments or questions about this or any other article published, or just need information about any company that has contacted you or you are thinking of doing business with, contact Inside Timeshare and we will point you in the right direction.

Friday’s Letter from America

Welcome to this week’s Letter from America, it is another “Nightmare on Timeshare Street” story involving yet another Veteran Raymond Mori, who is also a Double Purple Heart Recipient, his story is written by his daughter Teresa Laird, who is also a Veteran.

purple heart medal

This story along with others we have been publishing with similar stories from the elderly, seems to point to one thing, these groups are being deliberately targeted by Diamond Sales Agents. It can only be described as totally despicable behaviour, Diamond needs to get their house in order and be rid of these practices with the sales agents losing their licences and jobs.

Diamond is not only to blame in this matter, Barclays is also culpable, after all they are the ones providing the finance through their BarclayCards, which in many cases the clients did not know that one had been taken out in their name, until it is too late.

In Europe we have seen similar problems with Barclays, allowing sales agents to arrange loan agreements on the day with only a cursory credit check. None of the consumers who have contacted Inside Timeshare on this matter have ever had to provide an income and expenditure report, to show that they can actually afford the loan. This is something that would normally be done when taking out any sizable loan.

Usually we report on the week in Europe, suffice it to say it has been rather quiet, with only one court sentence reported this week. It involves the Puerto Calma Group, the Court of First Instance in Maspalomas found the contract illegal and declared it null and void, the clients in this case have been awarded 19,000€ with plus a further 3,600€ as a sanction for the illegal taking of a deposit within the cooling off period.

The only other major news was addressed in yesterday’s article about TESS, which has prompted many readers sending messages of support. One reader, even went on to say that Mr Cox is one deranged man and is obviously very ill, well, that is something we can well believe going by what he has been doing over the past months. There will be more to come on that story.

Now for this weeks “Nightmare on Timeshare Street” article.

Another Veteran, Raymond Mori, Alleges Timeshare Fraud

Retired Marine and Purple Hearts Recipient

Supported by Josh Parker, Army Veteran, Kevin and Brenda Hopkins, Air Force Retired, Roy Simmons, Navy Veteran

Exclusive: ILG explores merger with Apollo’s Diamond Resorts Timeshare Math – $3.5 Billion minus $2.2 Billion = $1.2 Billion

https://www.reuters.com/article/us-ilg-m-a-diamondresorts-exclusive/exclusive-ilg-explores-merger-with-apollos-diamond-resorts-sources-idUSKBN1GX2XJ

Purple Heart Crest

By Teresa Laird, Raymond and Teresa Mori’s daughter

Friday March 23, 2018

I am writing this article on behalf of my parents, Raymond and Teresa Mori, ages 83 and 79. My dad is a Marine veteran having served 23 years. He is 100% disabled. My dad earned two Purple Hearts. I too am a Veteran, an Army medic.     

Had I not been at the last Diamond Resorts “Update” March 13, 2018, I am convinced my parents, at age 83 and 79, would have purchased 30,000 additional Diamond vacation points for $234,295. This offer required a down payment of $69,993. I kept the paper of these terms under the table because members are not allowed to walk out with handwritten notes. My dad was not feeling well. He falls asleep in his wheelchair and had spent six months in the hospital after a heart attack. The stress over this expense has caused their health to deteriorate further. Thank you to Whistleblowers of America for advocating on behalf of Veterans. Please consider a donation to WoA if you are not drowning in timeshare loan payments, Barclaycard payments and annual timeshare maintenance fees.

https://whistleblowersofamerica.org/

 The sales agent we met with in Las Vegas did not even know how many points my parents already owned. The maintenance fees for 30,000 additional points would have been $4,466 on top of the maintenance fees for the 27,000 points they already owned. I’ve learned my mom’s entire Social Security check goes to pay the Diamond expense. I am beyond angry.

I have joined forces with Angela Simmons Sandstede, Josh and Nichole Parker, Josh a combat veteran, Kevin and Brenda Hopkins, Air Force, battling Diamond.

Angela says her parents were upsold to $2,750 a month in Diamond mortgage payments and are facing bankruptcy because of the up-sells. Angela’s parents live on her dad’s US Postal Service Letter Carrier’s pension.

Angela says her parents owned 52,000 DRI points before being pressured into further up-sells we both feel were fraudulent and criminal. We believe our parents. Angela and I have partnered to become advocates helping seniors needing assistance making a YouTube so the public can see what harm we feel is being done to the elderly, although there are many complaints from those younger as well. Mr. Simmons is also a veteran. He served in the Navy. Angela and Mr. Simmons, Josh Parker and Kevin Brenda’s YouTube:

Roy Simmons and Angela Sandstede Simmons

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

Kevin and Brenda Hopkins

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

Josh Parker

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

Inside Timeshare has been asked to submit an article to a military down trace that will be distributed to 7,000 active duty army, three divisions, a Buyer Beware PSA announcement, given we have now nine active duty Navy, Homeland Security, Air Force, and a member who works for a defense contractor worried about their Security Clearance alleging they were defrauded by timeshare sales agents.

Teresa & Raymond Mori’s Nightmare on Timeshare Street

Like many, my parents used their Monarch Grand Vacation timeshare for years without complaint. In reviewing their documents, I feel there was deception from the moment they encountered Diamond Resorts. Like many, they were told they had to give up their Monarch deed and buy points. I’ve learned they did not have to do that. Since Diamond acquired Monarch, their annual maintenance fees have increased from $2,600 to $4,600. Like Angela’s mom, my mom is also so stressed over this I can’t ask her to participate in a YouTube. I am in college, now facing filing a barrage of regulatory and law enforcement complaints on top of writing my archeology thesis. My parents have not used their Diamond points. They give their points away.     

My mom told me they had purchased an investment, I called Diamond Resorts when my dad said they wanted to sell some points. My dad is so angry he doesn’t want to talk about it. When I asked how to go about selling points, the DRI hospitality agent laughed at me and said you can’t sell back points, but you can use them towards merchandise purchased through Diamond Resorts. When I looked into the value of doing this, it was no help to my parents. This needs to end. The elderly need to be protected.

According to what my parents reported, they have been lied to at each up-sell. They told me they were told they were investing in property. They were not allowed to take the contracts to their room to go over them. The agents would not allow my parents to call me to discuss the transaction. They have described high pressure tactics, constant messages to their room, phone calls, increasing gift values when they said no to “Updates”, any tactic to get them onto the sales floor.  Once they got them there, they were told they would not get their gifts if they left.

Here’s what happened

4,000 Diamond points purchased 3/12/2013 converting from Monarch to DRI

9,300 points were provided as “equity”   

Purchase price: $20,416 now owning 13,300 points

2500 Diamond points were purchased 6/25/2013 at Palm Canyon Resort

Purchase price: $8,325 now owning 15,800 points

2500 Diamond points were purchased 7/29/2013 at Polo Towers Las Vegas

Purchase price: $8,616 now owning 18,300 points

At ages 79 and 75 they were sold a Sampler product. This is a trial program. Why did they need a trial program if they bought points several times?

5000 Sampler points purchased 5/4/2014 in Sedona

Purchase price: $2,995

This was when I realized the predatory nature of timeshare sales. I called Diamond corporate and told them they needed to take back this last Sampler purchase at the very least. They said they would work with us. Instead, they sold my parents 17,000 more points! They said they would attach the Sampler points to another program. I could not believe it. Think how easy it would be to misrepresent or confuse them by selling points by phone. I am infuriated.

17,000 points were purchased at ages 79 and 73, after spending six months in a hospital after a heart attack, now owning 27,000 points

Purchase price: $49,492 told $13,991 was equity from their prior contracts

Amount financed: $47,138

New maintenance fees: $4,780

My mom and dad are good people who worked hard all their lives. My mom worked as an interpreter for the Ontario CA school district. She speaks Spanish. My dad is diagnosed with early Alzheimer’s. To think their lives have been ruined by this company, in my opinion, speaks of unspeakable evil. Angela and I vow to stop. We are advocates now.

From what Angela told me, I will be told by a Diamond Resorts Hospitality agent, working for Diamond Resorts Consumer Advocacy Department, “Sorry, you signed a contract.”

There seems to be no regulation, no enforcement and no one cares.

Elder financial abuse is a type of elder abuse in which misappropriation of financial resources or abusive use of financial control, in the context of a relationship where there is an expectation of trust, causes harm to an older person. https://en.wikipedia.org/wiki/Elder_financial_abuse

inspired advocates

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

Thank you Teresa Laird for writing your parents story, also once again a very big thank you to Irene Parker and the army of volunteers who are doing a fantastic job in highlighting and help all those who are turning to Inside Timeshare for help.

If you have been contacted by or are thinking of doing business with any company and are not sure if they are genuine, contact Inside Timeshare, we will help you find the information.

Remember, many of these companies are very professional at getting you to believe what they say, they know what you want to hear and will target that.

So that’s it for this week, another Friday is upon us and the weekend beckons, we hope you have a very relaxing and enjoyable weekend, join us next week for more news and information on the seedy world of timeshare.

friday cat

The Tuesday Slot with Irene

Although this is the Tuesday Slot with Irene, we welcome a new contributor, Greg Jennings with his “Nightmare on Timeshare Street”, once again Irene Parker was the editor. As usual we will have a quick roundup of some of the news in Europe.

Yesterday we published the article on Silverpoint and their announcement that they had stopped the resale programme of Club Paradiso, today we received another Newsletter. This one is from Club Paradiso and is slightly different from the last in that they now claim they are looking at alternative “Marketing Agencies” to begin the “Resale Programme” for Club Paradiso members.

The question is now, will this be a company set up by Silverpoint, or will it be an already existing company?

The other question is regarding the resale market itself, where is it?

That question we leave you the reader to answer.

Last week Canarian Legal Alliance announced their 96th and 97th Supreme Court victories, this is an amazing achievement, making yet again Spanish legal history. These cases were against Puerto Rico SA (Puerto Calma) and Silverpoint respectively. Both contracts being declared null and void and the total awarded in both cases 56,600€ plus legal fees and legal interest.

CLA also published in their news section a letter from one of their clients, Mr Rolf Ingvar Høyer, (Professor Emeritus (BI Norwegian Business School, Oslo). In this letter he explains his dealings with CLA in the long running case against Anfi.

This began in 2009 and ended up with the case being heard at the Supreme Court, with 131,000€ being transferred to his bank account at the end of last year. For his full story follow the link to the CLA website.

https://www.canarianlegalalliance.com/celebrating-victory-mr-hoeyer/

With all the negative spin being put out by Anfi against CLA, this should leave you the reader in no doubt that timeshare companies cannot be trusted with the truth.

So on we go with another readers experience at the hands of Diamond sales agents.

My Name is Recycled Inventory

Geek

By Greg Jennings

Diamond complaint #58 out of 94 Inside Timeshare received since January 1

March 20, 2018

How I became a victim of Diamond Resorts

The first year: They said that there was a meeting I should have been invited to, but if I wrote a note to the sales manager stating that I was not aware of this meeting, I could buy additional points at the reduced sale price.

2017:  I attended yet another Owner Update, unhappy with my Diamond ownership.  I was in way too deep and my employment situation was not secure. During this meeting, Las Vegas DRI sales agent Jeff Regier asked why I was unhappy, and then proceeded to tailor his sales pitch accordingly. I told Jeff that the outstanding loan was unaffordable, and that without full time work, my savings had been depleted in order to keep my Diamond loan current.

That’s when he offered what appeared to be the perfectly tailored pitch:

If I purchased 4000 additional points, I would be at a level where I could use the points to pay maintenance fees, would qualify for a lower interest rate on the mortgage, and most importantly, if I was unable to continue, I could pursue the “Exit Strategy”, where Diamond would buy back my ownership at a reduced rate. Jeff said these benefits wouldn’t be accessible until after January 1, 2018. This is how they dodge the rescission period.

The following link and comments are from a Ripoff Report against Jeff Regier written by Jonathan Brown, July 8, 2016:

https://www.ripoffreport.com/reports/diamond-resorts/nationwide/diamond-resorts-diamond-resorts-international-timeshare-scam-hostage-liar-las-vegas-n-1315868

If you want to actually take a vacation and enjoy it without being forced to sit in an office for 7 hours then AVOID DIAMOND INTERNATIONAL. I had 2 specifically bad Sales reps here Andrew Fernando, wouldn’t let us leave even when my Son needed food. Went and got food so that we could STAY. My son needed a Nap, he said, go give him a nap and then COME BACK!

Right, because that’s what I want to do on vacation, spend time with Andrew Fernando all day. Then Jeff Regier got involved. He actually corrected Andrew 4 times in front of me for not clearly explaining what was going on. Once I figured out that they wanted me to spend 30K More, I was out.

Back to my nightmare

lightening cash

My story begins 2006 or 2007. I was in a bad place in life. Most of my records had been lost. Talking about this is uncomfortable, because I feel stupid for falling for the scam I now understand this timeshare sale was. I’m embarrassed and ashamed. I only hope my story helps others understand the predatory nature of this industry and just how worthless the product is in relation to what it cost me.

I had originally purchased a timeshare from Monarch Grand Vacations believing I had purchased a retirement travel lifestyle for just under $10, 000. The sales pitch was impressive. Monarch owned eight premier resorts in the western United States and was affiliated with Interval International. In addition, Monarch owners could enjoy “unlimited Day Use” at any Monarch property, without using points.

My grandmother had recently died, leaving me with a small inheritance. I was drinking and gambling. In my depression I think I just wanted to secure some part of normalcy. I attend a convention in Las Vegas every year so assumed this ownership would make that more affordable. I had been suffering with a disability due to a chronic back injury. With no support base, dependent on narcotic pain medication, I was an easy mark for the timeshare sales team.

The first year was pleasant enough. I was able to travel to Las Vegas using the points, but was disappointed to learn Monarch would be going through bankruptcy.

The second year I exchanged my points through Interval International.

The third year in Las Vegas, I attended a Diamond “Owner Update” where I encountered the hard sale. They said due to bankruptcy, Monarch inventory was being transferred to creditors. With inventory dwindling to zero, there would eventually be no availability so my only option to preserve the value of my investment was to purchase into the Diamond Resorts family, as DRI was the largest creditor. This was accomplished with a separate loan, monthly payments, and an increase in maintenance fees.

Over the next few years, the owner updates were roughly the same. Apollo Global Management acquired Diamond and point values had been adjusted. I was told that in order to continue to attend my annual conference I would need to purchase additional points in order to find available inventory. These updates often exceeded three or four hours. My need for pain medication made me susceptible to doing whatever I could to end the updates. I panicked thinking everything I had been paying for would be valueless as Diamond reduced inventory in order to escalate demand for DRI points.

In 2016, I made what I thought would be my final purchase. I had just made Silver Level, but DRI sales agent Paul said that I was not financially viable unless I became Gold. I left with a new $374 monthly payment on a 15 year loan. I had been struggling to make the prior loan since my second accident that happened in 2011. I had lost my home to foreclosure while on temporary disability.

In 2017, I attended yet another Owner Update now seriously unhappy with Diamond. I was in way too deep and my employment situation wasn’t secure. I told Jeff  the loan was unaffordable and that my savings had been depleted. I had been trying to sell my timeshare on the secondary market but there was no demand for Diamond points. The $3000 maintenance fee cost more than 10 days in many hotels. The only way I had been able to secure DRI availability was in response to marketing emails which required another sales meeting.

During this update, DRI sales Jeff Regier asked why I was unhappy, and then proceeded to tailor his sales pitch accordingly: If I purchased 4000 additional points, I would be at a level where I could use the points to pay maintenance fees, would qualify for a lower interest rate on the mortgage, and most importantly, if I was simply unable to continue, I could pursue the “Exit Strategy” – Diamond would buy back my ownership at a reduced rate. These new benefits wouldn’t be accessible until after January 1, 2018. This is how they dodge the rescission period.

This “exit Strategy” was what I believed would be my way out. I of course didn’t need or want more points. Jeff Reiger knew I couldn’t afford more points. I only bought points because I was desperate to end my relationship with DRI. He used that to hook me. He also said he would act as my point of contact for all future DRI dealings, getting me discounted bookings and that I wouldn’t have to deal with any more sales people. After almost 4 hours, I needed to be done.

As it turned out, the interest rate was essentially the same, the loan was now 10 years, and part of the balance needed to be on a Diamond branded Barclays credit card offered at 0% interest. Jeff said if I called him in January he would get the 0% extended, and that I could use the card to pay down principal on the note. The loan required direct access to my checking account for approximately $560 per month. I went online in January with the tablet I had been given as instructed by Jeff, but could find no promised, “Exit strategy”, the ability to pay maintenance fees with points, or any form of buyback program. I had been duped.

I called Jeff in January and asked him to extend the zero percent interest on the credit card, and transfer some of the loan balance to the Barclaycard. He said I needed to call the credit card issuer myself, because he couldn’t do it without my personal information. He said if they would not extend it I could apply for a new card with a promotional interest rate. He then said he would be unavailable because he was going on vacation. This was the final straw. This was when I realized what a fool I had been to believe anything these people told me.

With my remaining 2017 points, I booked a trip to Hawaii by responding to a promotional email for Kona Village Resort. During the mandatory update, I refused to buy more points. I was then accused of illegally recording the meeting. The sales manager demanded I sign a blank form. When I refused, he said he’d “take care of it” adding that I’d never get a discount booking again. They also refused the promised resort vouchers for attending the presentation. This was a breach of the timeshare practice offering compensation for attending promotional meetings without obligation to purchase.

Sales agents claim points have value. They told me to preserve value I had to buy more points. They told me they would make ownership more affordable. They told me I could use points to pay maintenance fees. They told me if I couldn’t continue, they would buy back my ownership – LIES – every one of them. When I sent a letter to Diamond requesting information on the promised “Exit Strategy” I received an email stating no such strategy exists.

I have run out of money. The automatic payments have drained my account. I have come to terms with the fact that I have wasted over $60,000 over the last ten years trying to preserve what I was told was an investment in retirement travel.

As I sit here today, I am unemployed, struggling with a disability, and financially devastated. Diamond collection agents call every day. When they call, I ask if they are offering me employment. At first, they told me I needed to confirm my contact information for security purposes. When I refused, they told me they couldn’t discuss my account, so I ended the phone calls. They still call but no longer ask for verification. When I ask about the exit strategy, or if they are aware of promises made by their sales staff, they tell me they are only going to discuss my account. So I end the call.

I have no idea how to proceed, but I cannot pay with money I don’t have. I am sure they will find many ways to ruin what was left of my credit having bled me of my finances. They don’t care. I see them as predators. They will move on to new victims, and the cycle will continue. But I will no longer participate.

I am recycled inventory.

Comments from Irene: Greg is not stupid. We have heard from doctors, lawyers, a contract specialist for Consolidated Edison, professors, 34 active duty and retired military including Raymond Mori, recipient of two Purple Hearts. His daughter Teresa Laird submitted an article for this coming Friday’s Letter from America. I have an MBA and a CFP. We all signed DRI contracts. We all say we were told things that were not true. With 338 Diamond Inside Timeshare reader complaints received since late 2016, Greg is not alone. Unresolved complaints:

Josh Parker

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

Eron Grant

https://youtu.be/-FMk_45zRzk

Roy Simmons

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

Kevin Hopkins

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

 

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/timeshareadvocategroup/

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

We’re here for Greg

coloured hands

Thank you Greg, your story is truly up there with the worst of “Nightmare on Timeshare Street”. Also thanks to Irene and all the volunteers who are helping people like Greg. These stories are becoming all too familiar at Inside Timeshare, with readers contacting us on an almost daily basis.

If you have any questions or comments about anything in this article or previous one published, contact Inside Timeshare, using our contact form for a private message or post a comment on the relevant article.

Have you been contacted by a company offering you a service such as resale, claims or relinquishment, or are searching the net for one, then remember to do your homework before engaging with them. If you require any help in checking their validity, then use the contact form with your questions, we will then get back to you and point you in the right direction.

It pays to be diligent so do your homework and save your money!

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