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Irene Parker

The Tuesday Slot with Irene

Welcome to The Tuesday Slot, this weeks article is by a new contributor, Della Morris C.P.A., M.B.A., M.S. with the introduction by Irene Parker. As is usual with articles such as this, Inside Timeshare submitted the draft to the company concerned for comment. The reason for this is very simple, we hope that the situation can be resolved and on some occasions the article is then not published when a positive outcome is achieved.

In the case of some companies, no response is received, then when the article is published they start to issue legal notices, sending in the lawyers with threats because they don’t like what has been published. Well, that is their problem, they are given ample warning but fail to respond.

In the case of this article we did receive a response from ARC, all credit is due to them, you can read their comment in Irene’s introduction.

Senior Foreclosure

The Hardship created by Perpetual Timeshare Contracts without a Secondary Market

By Della Morris, an Americano Beach Resort owner in foreclosure

Introduction by Irene Parker

August 14, 2018

Inside Timeshare has published two articles about Americano Beach Resort as the developer, ARC, works toward reopening the resort damaged by hurricanes Matthew and Irma. Work is progressing, but today’s article is about how the perpetual timeshare contract is forcing senior after senior into foreclosure, often those with high credit scores who have rarely been late on a payment. The foreclosure process is demeaning and demoralizing, but for some seniors the relentless calls can affect their health and wellbeing. We’re not singling out Americano, or their current developer, ARC, as this is an industry wide problem. A few companies, like Wyndham and Diamond Resorts, are offering voluntary surrender programs, alleviating the problem for some.

My husband and I owned a deeded week at Port Elsewhere (named after the medical drama series St. Elsewhere from the 80s), Osage Beach in the Missouri Ozarks for almost 30 years. Living in Florida, we no longer desire to vacation in Branson. I called the resort, spoke to the person I had gotten to know over the years, who responded to my request to deed back with, “Yeah, we discussed this at our HOA meeting and decided it’s not fair to place such a hardship on aging owners, especially those who have faithfully paid their maintenance fees for so long. I’ll send you the form to sign and return.” We left Port Elsewhere holding no animosity, only fond memories. We knew it was time to go when all our neighbors said, “My grandma and grandpa bought this!”  

Out of the 530 timeshare members who have reached out to Inside Timeshare, not one was aware of how difficult getting out of a timeshare can be. Almost daily we hear from another senior bracing for timeshare foreclosure. Many of their stories are heartbreaking, and for more than a few, devastating.

For timeshare members, lucky enough to have purchased a timeshare that does have some salability, contact a member of the Licensed Timeshare Resale Broker Association. They charge no money upfront and can provide straight answers if your timeshare has no secondary market. Scams asking for upfront money to “get you out of your timeshare or your money back” abound. Based on 530 reader complaints, honesty is in short supply. Many of our readers have been duped by exit scams.  http://www.licensedtimeshareresalebrokers.org/

Della is at her wit’s end. She contacted Inside Timeshare after reading Meryl Stefan’s July 27 article that contained a description of Freedom 365, an exit and travel plan ARC is offering deeded owners. For many original buyers, the answer to their timeshare nightmare is not to spend more money by joining a Travel Club.

http://insidetimeshare.com/fridays-letter-from-america-14/

Della had already talked to ARC, but hoping to help find a solution I contacted ARC and was provided the following information. Della will follow up.  

The Association does have a hardship surrender policy.  It’s managed by the administrative manager at the resort  (Contact information was provided). Generally, the policy is that the owner has to bring their account current before the Association will accept the deed, but we’ll work with every owner based on their specific needs.

I believe many complaints can be resolved by finding the right person to talk to. The salespeople are paid to sell, so the sales agents mentioned in Della’s article were probably not the proper people to talk to about a deed-back. Through dialog we hope to create a kinder, gentler relationship between disgruntled owners and developers.

By Della Morris, C.P.A., M.B.A., M.S.

I am 70 years old and currently live in Virginia. I bought my Americano timeshare in 1994. It has been difficult for me to pay my dues each year and many times I asked Americano Resort to take my week back, even before ARC acquired Americano. When I bought the timeshare, I had no idea timeshare can be a product that cannot be sold or given back.

I had a back and neck injury that resulted in eight surgeries from 1990 thru 1997.  Many years my income was low, but I continued to pay the fees. I owe dues for 2017 and 2018, but cannot afford to pay them. I paid Americano maintenance fees from 1994 until 2016, despite never using the timeshare.

Sometimes you get the feeling that these resorts lump all seniors together like a herd of sheep. We are people. To give you an idea of my background, I worked for a company that audited corporations. A congressional law was passed by Senators Sarbanes and Oxley in response to the Enron scandal. The law required public companies with a certain amount of equity to have an independent audit by an auditing firm not connected with the company that prepared their annual report.   

When my health failed, I did not apply for Social Security. It was such a cumbersome process, so I just worked the best I could, sometimes for minimum wage, taking anything I could get. I have lived in West Virginia, Florida and North Carolina and was eligible for Vocational Rehabilitation in each of those states.

My contact with ARC, (Bernie and Edwin)

Edwin from ARC called me August 8 about turning over my Americano unit with a quit claim deed so my special assessments and annual fees would be forgiven, but they were asking $5,000 in order to do so, to join their Travel Club, Freedom 365. He said this would be a better deal for me than staying with Americano Resort. Edwin said Americano will continue to have large annual assessment fees and I will have to pay assessments plus maintenance fees each year.

Edwin stated if I do not pay the assessment and maintenance fees, my timeshare would go to foreclosure, plus I will have to pay property taxes. I told Edwin I knew of many not happy with the current Americano situation, with the resort not open. In my situation, I would be paying out good money after bad. I could not decide that day. They said they had to have $1,000 to hold the offer. I paid $500 with my credit card, but disputed the charge because of their aggressive sales tactics.   

Freedom 365 would require I travel to one of their properties at least one time per year at a cost of $299. I never even stayed at the resort I bought! They also offered 1,000 points each year to be deposited to my account so I could book other stays. The difference between the price given and the discount rate would come from the points. Points would not carry over if not used, or if some were remaining at the end of the year, after paying $299 for travel and the other travel destinations through Freedom 365. This plan sounded convoluted and the last thing I needed to do was pay an additional $5,000 for something I never used.

They told me foreclosure letters would be going out soon. I wrote a check for my 2017 dues but apparently the check was never cashed. I feel the industry needs to do something besides browbeat seniors who have been paying them money for years, holding them as financial hostages. So, I brace for the collection calls and demand letters. I find the industry shameful.

Thank you to Della for sharing her story and to ARC for their response. Della is not alone. Inside Timeshare has been flooded with complaints, and not just from seniors. We hope industry executives will wake up and realize this is not the way to keep timeshare viable and healthy. Many families are devastated.

If you or someone you know has a timeshare problem, contact Inside Timeshare or one of the self-help groups listed below.

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

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

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

https://tug2.com/Home.aspx

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

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

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

Thank you Della for your article and also to Irene for the editing and introduction, also a big thank you to ARC for responding, at least they have informed us and our readers that they do have a policy in place and who it is managed by. As Irene stated in her introduction, it really does depend on who you speak with, if only other timeshare resorts and developers informed members of the correct department, we would not have the situation we have today.

If you have any comments or questions on this or any other article published, Inside Timeshare would like to hear from you, use our contact page and please let us know where you are located. This helps us to make sure we get the correct answers for you.

Also it is that time of year, especially in Europe, when many cold calling “scam” companies start to make contact, if you are contacted by any company or even found one on the internet and want to know if they are genuine, then contact Inside Timeshare and we will point you in the right direction.

 

Start the Week: Anfi Make the News Again; A New Contributor Joins Inside Timeshare

Welcome to Start the Week, on 11 August El Diario published another article surrounding the controversy of the man made beach at Tauro, which is part of the Anfi Tauro Beach Project.

El Diario has had access to a report on the ecological impact of the importation of sand from the Western Sahara, which under UN and EU sanctions is illegal. El Diario gained access to this report under the freedom and transparency regulations.

The report is from a study by the Biodiversity and Conservation Group, which is part to the EcoAqua University Institute of the University of Las Palmas de Gran Canaria. It looks at the impact of the Special Zone of Conservation (ZEP), Known as the Marina Strip of Mogan, an area about 300 meters offshore and covering an area of 30,000 hectares which extends along the southwest coast of Gran Canaria.

Due to the sedimentation caused by this sand, visibility is affected which will have an effect on the ecosystem as light is drastically reduced. This reduction is causing problems for the plant life as it affects their photosynthesis capabilities. There is also concern as to the introduction of minerals and other inorganic material which is also having consequences on the marine life of the Zone.

It was originally believed that the 70,000 tonnes of sand was actually coming from Las Canteras Beach in Las Palmas, but as we know it was actually imported illegally from the Western Sahara, with work starting in May 2016. This work was also started without the necessary documentation, licences and permissions in place, these were then falsified by the then head of the Coastal Authority months after the work began.

José María Hernández de León, was then sacked and is now facing trial, which the State Prosecutor is demanding a minimum of 3 years jail. The investigation is also involving Anfi as it is that company who has the concessions to the beach and also is undertaking the work to build it.

No doubt we will be seeing more prosecutions and possibly some very heavy fines, once the investigation is complete. For the full story click on the link below, open in google and use the translate facility.

https://www.eldiario.es/canariasahora/sociedad/aportacion-Tauro-Franja-Marina-Mogan-playa_de_Tauro-arena_saharaui-Franja_Marina_de_Mogan_0_801419852.html

PDF file of the University of Las Palmas Report.

ANFITauro_EDIFIL20180809_0001

We have also had the following story from one of our Anfi readers, it transpires that the Anfi Charge Card which members can use at the various concessions at Anfi, is no longer being accepted by certain bars and restaurants.

This charge card allows Anfi members to pay for food and drink without the need to use cash or their own credit cards, they are then charged at the end of their stay and clear the card with Anfi.

This is not a bad idea, but it does seem as though the businesses concerned are not having their bills paid by Anfi immediately, according to our information, they are having to wait several months before they are paid. This is obviously not good for the businesses, especially if the majority of members are using the card, the businesses still have their own bills to pay such as stock and the high rents for the locals. As we get more information on this subject we will inform you.

Inside Timeshare would also like to welcome a new collaborator, Wayne C. Robinson, an Inspirational Speaker, Author and Film Producer, you can see more about him on his website:

https://waynerobinsonproductions.com

Wayne is a former timeshare sales executive with many years of experience in the industry, he is also publishing a book called The Red Week Timeshare Book, covering everything you need to know about timeshare before, during and after the sale. It will also cover how to be rid of your timeshare for free. We will certainly be looking forward to reading this.

He has also sent us a copy of his publication entitled 13 Shocking Secrets; The timeshare industry does not want you to know. We have added a PDF copy below for you to read.

13 Shocking Timeshare Secrets

Or to subscribe click on the link below

https://l.facebook.com/l.php?u=https%3A%2F%2Fwaynerobinsonproductions.us16.list-manage.com%2Fsubscribe%3Fu%3D44c27217e62190e8ab52dc418%26id%3Da30a1ab1e0&h=AT2iQOYhL4_-aX_VBWKlWNXUlQIPvzjm2gEf_WCUm7ybAqiH-bVPp6dJfyfJna2tGxYgIY9RWIfrsDAgPPqfz4zQdQYzwHbakLP8CvHDZXLHkGBoGs20SHZxCXoP2ol4xyKsL0wsY1jkcgFFVoJY5mCeu6o5ea7ic8c

We hope to be able to publish some of his insights on these pages in the near future, so once again welcome to Inside Timeshare and the Diamond Resorts Owners Advocacy facebook page.

Tomorrow we publish another new contributor Della Morris, an Americano Beach Resort owner in foreclosure, with the introduction by our very own Irene Parker, so join us tomorrow for more on the “Nightmare on Timeshare Street” series.

Friday’s Letter from America

Welcome to this week’s Letter from America, today’s article by Irene Parker looks at “whistleblowers”, Irene attended a Whistleblowers Summit in Washington DC and for Irene it was a real eye opener.

As for timeshare matters in Europe, it is very quiet, although one new cold calling company has been reported on the Mindtimeshare website. They are called Services Juridico Reservations and are based in Marrakech, they appear to be contacting mainly Dutch owners at the present with the usual tale of a “guaranteed buyer” for their timeshare.

The offer is a substantial cash amount, although the timeshare owner does not have to travel to Marrakesh, everything can be done by telephone or email. There is no upfront fee, but there will be a large amount to pay for “TAX” for the sale to go through.

The telephone number is +212 609 158 457 with a standard gmail email address: [email protected] which is not linked to any website. They give the address as Boulevard Mohamed VI Plazza D4, 40000 Marrakech, Morroc.

We just wonder how long it will be before other nationalities in Europe are contacted by this dubious outfit.

Now for this weeks article.

Timeshare Fraud and Whistleblower Retaliation

By Irene Parker

August 10 2018

Whistleblower definition:

A whistleblower is a person who exposes any kind of information or activity that is deemed illegal, unethical, or not correct within an organization that is either private or public. The information of alleged wrongdoing can be classified in many ways: violation of company policy/rules, law, regulation, or threat to public interest/national security, as well as fraud, and corruption.

Those who become whistleblowers can choose to bring information or allegations to surface either internally or externally. Internally, a whistleblower can bring her accusations to the attention of other people within the accused organization. Externally, a whistleblower can bring allegations to light by contacting a third party outside of an accused organization such as the media, government, law enforcement, or those who are concerned. Whistleblowers, however, take the risk of facing stiff reprisal and retaliation from those who are accused or alleged of wrongdoing.   https://en.wikipedia.org/wiki/Whistleblower

I had the privilege of attending the Whistleblowers Summit held July 30 – August 1 in Washington DC. A frequent comment Charles Thomas and I hear from timeshare members, after describing how they were defrauded by unscrupulous timeshare sales agents is, “It helps to know I am not alone.” That’s how I felt meeting and listening to fellow whistleblowers.

https://www.opednews.com/articles/Whistleblowing-Works–12-by-Marta-Steele-Civil-Advocacy_Civil-Liberties_Civil-Rights_Civil-Rights-Violations-180801-756.html

One remarkable whistleblower at the Whistleblowers Summit was Aaron Westrick, Ph.D. Dr. Westrick, former Director for Research and Marketing at Second Chance Body, received a Pillar Award for exposing defective bulletproof vests. One police officer died and another injured when the vests did not hold up. Dr. Westrick explained how he had been fired from his company for exposing corruption and how he endured a 14 year legal battle as a result of his truth telling.

https://www.whistleblowersblog.org/2018/08/articles/whistleblower-news/bullet-proof-vest-whistleblower-aaron-westrick-receives-pillar-award/

When it was suggested I attend the Whistleblowers Summit, I thought I was attending on behalf of 68 members of law enforcement and military, veterans and active duty, who reached out to Inside Timeshare describing how they had been defrauded by timeshare sales agents. Veteran Administration whistleblowers were well represented. However, in the last few weeks, I have learned that I am a target of retaliation as a result of my attempts to expose fraud.    

Inside Timeshare has heard from 528 timeshare members angry beyond words. I believe highly educated, professional timeshare members alleging fraud over the timeshare sales agents they accuse. There are too many patterns of identical complaints and too many repeat offenders to be ignored. We have been contacted by senior after senior, up-sold into foreclosure. The foreclosure process is demeaning and demoralizing. For the young, unwittingly signing a perpetual contract with no secondary market, the credit downgrade is long lasting.

Two timeshare members are working on their own articles.

One member attended a timeshare presentation in Las Vegas. According to the member, he told the sales agent his wife purchased a deeded timeshare week 18 years ago and he had hated the timeshare for 18 years. He explained that he had never attended a timeshare presentation until this presentation, which he attended only to learn how to exit. The sales agent told him that in order to be eligible for the voluntary surrender program he would need to convert his deed to points. This was blatantly false. Many deeded timeshare members have surrendered their deed. The sales agent sold the member $12,000 worth of points for no reason. Worse, the timeshare company requires a six month waiting period before applying for a surrender, to capture 2019 maintenance fees.

Past articles have mentioned timeshare customer service representatives responding to members, “We are not responsible for what our sales agents say.” After we published this response, the line was changed to, “It sounds like a he said, she said,” as this member was told.

The other timeshare member was also up-sold by a Las Vegas timeshare agent. Six months ago a disabled veteran recorded a blatantly fraudulent up-sell. The recording was so obviously fraudulent you would have assumed the agent would be fired. Not so. Inside Timeshare received a complaint this week from a timeshare member reporting they had been defrauded by this same timeshare sales agent and that the sales agent told the member he was assigned to the highest loyalty level members. Two sales agents with this distinction had been fired, but only after years of complaints.

Wells Fargo made national headlines when they admitted allowing their representatives to open bogus accounts. It’s annoying to have an unauthorized credit card opened, but timeshare members report being defrauded out of hundreds of thousands of dollars. Complaints involving $100,000 to $200,000 are not uncommon.

In the case of Wells Fargo, at least victims could file a complaint with the Consumer Financial Protection Bureau. Timeshare buyers could not effectively file a CFPB complaint because the timeshare company services the loan. The filer has to select a lender from the CFPB drop down menu and a timeshare company is not a choice.

It doesn’t matter what you are blowing the whistle on. I learned at the Whistleblowers Summit you can expect retaliation. In the case of Wells Fargo whistleblower Jessie Guiltron:

Jessie Guitron began working for Wells Fargo in 2008. Soon after, though, she realized they all faced a company-mandated quota to sign up new accounts. Some of her colleagues, she noticed, were promising to open free accounts for clients but signing them up for premium accounts which came with hefty fees. Customers were overdrawn, and their credit ruined.

“I kept complaining and complaining, and nothing ever gets done,” Guitron says. “I was doing what my conscience was telling me to do. It’s fraud. That’s what it is.”

Trying to stop that fraud put a target on her back. She was fired in 2010, she says, without warning. Unable to find a new job and believing she had been blackballed, Guitron filed a lawsuit claiming Wells Fargo fired her for speaking out against the fraudulent practices she witnessed.

But then, two years later, her claims against Wells Fargo were dismissed.

“I was deflated,” Guitron says. “I was like, ‘OK, I’m done.'”

In 2016, the world around her changed when the government accused Wells Fargo Bank of opening numerous accounts without their clients’ consent.  

https://www.cbsnews.com/amp/news/whistleblower-wells-fargo-fraud-could-have-been-stopped/

Like Bernie Madoff, unscrupulous timeshare sales agents and unscrupulous timeshare companies don’t care who they hurt. It is our hope that someday, some regulator will listen and respond. All timeshare complaints filed by our readers with the Nevada and Florida Attorneys General offices have been dismissed with, “You have no proof” or “You should not have relied on verbal representations.” In effect, there is no timeshare regulation in those states, at least not for the 528 members reporting back to us. Echoing the timeshare company’s “You have no proof,” provides a green light for fraud.

Like other whistleblowers, I have no regrets and would do nothing different. I would rather be attacked than ignored to shed light on so many responsible families financially devastated by decades of predatory, aggressive and fraudulent timeshare sales. Of course there are honest timeshare sales agents and happy timeshare members. Of course not all sales agents are dishonest, but researching Attorneys General investigations, lawsuits and complaints, Charles and I are not alone in our desire to take back our vacations. If only the developers and their law firms would take off the blinders. Charles and I know truth is our best defense.

If you have a question or concern about a timeshare, contact Inside Timeshare or an advocacy group.

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

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

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

https://tug2.com/Home.aspx

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

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

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

Related articles:

How to File a Timeshare Complaint  

http://insidetimeshare.com/the-teusday-slot-with-irene/

The St. Louis Better Business Bureau Timeshare Report

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

Thank you Irene, I know that you found the Whistleblowers Summit very intriguing and made many new contacts there. It is through people like those mentioned here that the truth is made public, without them large corporations and governments would get away with murder. Keep up the good work.

That’s it for this week, Friday is here and the weekend is about to start, time for the beach, pool and BBQ’s, have a great weekend and join us again next week.

Press Release from CLA, Plus a Quick Look at the Biggest Timeshare Fraud in History

As August is very much the summer holiday month, there is not a lot of news from the courts in Spain, but it is a month when some of the new names and old ones will be making a comeback on the scam front. We will be keeping a watch on these and will start reporting them as and when they do become active.

Following on from Start the Week on Monday, we reported the news from the Royal Courts of Justice regarding the case of the Financial Conduct Authority and the validation order issued to Barclay Partner Finance:

http://insidetimeshare.com/start-the-week-13/

We have been given the following press release from Canarian Legal Alliance.

On 19 June 2018, a representative from Canarian Legal Alliance attended the hearing at the Royal Courts of Justice, Upper Tribunal, Tax and Chancery Division, to represent the interests of one of our clients.

These clients had been sold timeshare in Malta by Azure Resorts and were financed by loan agreements with Barclay Partner Finance. It transpires that these loan agreements were brokered by an unauthorised agent Azure Services Ltd. As such these agreements breached the Financial Services and Markets Act 2000.

This affected 1,444 credit agreements with a total value of £47 million, in the period between 1 April 2014 and 24 April 2016.

This made the agreements unenforceable, which entitled the borrowers to recover their money and have the agreements cancelled. Therefore BPF applied to the Financial Conduct Authority in May 2017 to have a validation order issued to rectify this. The FCA on the evidence and information at the time issued the order to validate the loan agreements in February 2018.

This validation would then entitle BPF to retain money paid to them under the agreements, also allowing BPF to enforce payments by any consumer who defaulted.

On 1 August 2018 Judge Timothy Herrington issued his judgement, in his ruling he stated the FCA should re-examine the original order and take into account “client detriment”, a factor which the FCA had not considered in the original order.

In the case of our client, this “client detriment” is very clear, they were mislead into purchasing the timeshare as an investment with the promise of income rental and then resale, which never materialised. They were pressured into signing the loan agreement after hours of high pressure timeshare sales tactics, even though our client explained they could ill afford the timeshare.

They were not explained the terms and conditions of the agreement or the full extent of the cost, the product they were purchasing was not suitable for their needs and would not fulfill the promises given. They were also mislead as to the length of the loan agreement, being 2 years and not 15 years which it turned out to be.

There were no proper credit checks made with regards to affordability or the ability to afford the repayments, they were not asked to provide any proof of income (bearing in mind they were both in their 70’s and on pensions), or any proof of outgoings.

Once the validation order is overturned by the FCA, this will leave our client able to recover all money paid to BPF and have the loan agreement declared null and void.

This ruling may also have an effect on loan agreement for timeshares purchased via loans even by an authorised broker. As a law firm we have many clients who have gone through the same process, lengthy presentations, high pressure sales and no proper checks regarding the ability to afford the repayments. We believe this may give clients an avenue to have these agreements cancelled and be reimbursed the money paid.

Canarian Legal Alliance

Our thanks to CLA for that information, now a quick look at an old story which was prompted by an item on ITV News, this was an interview by the wife of John “Goldfinger” Palmer who was shot and killed at his Essex home in June 2015.

In the interview she expressed her disbelief at the inability of Essex Police to find her husband’s killer, which the police believe was a professional hit. She also claimed she felt “sorry” for those who lost thousands in the timeshare scam. This is after she started the interview with “It was a wonderful Lifestyle” and “We had everything we possibly could want”. On whose money is the question?

The timeshare scam involved 17,000 victims and was worth over £100 million, it revolved around the multiple selling of timeshare units, resorts that had not been built or ever going to be built and ones without any planning permission.

It has been regarded as the biggest timeshare fraud in history.

Palmer was eventually jailed for 8 years in 2001 in the UK after being convicted for timeshare fraud. He was also ordered to repay around £33 million to his victims, but as the Crown Prosecution Service bungled the paperwork this order was overturned to the consternation of the police. He was released in 2005 and returned to Tenerife.

He was eventually arrested on the runway and bundled into a military transport and taken to Madrid to await trial by the Spanish authorities, he spent 2 years in jail and was then released on bail returning to the UK. The rest as they say is history.

Click on the link below to see the interview and the second link which is a report by Roger Cook made around 2 years ago on the full story of John “Goldfinger” Palmer, from his involvement in the Brinks Mat bullion robbery through to his timeshare frauds.

https://www.facebook.com/ITVWestcountry/videos/2076879189011352/

Join us tomorrow for our Letter from America, this week Irene Parker reports on the Whistleblowers Summit which she attended in Washington DC in July, you will certainly find it a revelation.

 

The Tuesday Slot with Irene

Welcome to this weeks Tuesday Slot, today Irene Parker looks at what Canada is doing to protect consumers of timeshare, are the events in Spain shaping the Canadian legislators views?

If so this can only be good thing for consumers, change is necessary, Spain leads the way in this field and the more countries that use their model the better off consumers will be. The industry needs to change, if they will not do voluntarily, then it is up to the legislators to make them change.

While doing our usual browsing of the many timeshare related websites and blogs this morning, we came across this rather interesting piece in Mindtimeshare, regarding a new cold calling company and timeshare claims.

Reclaims Yard, with a caller going by the name of Bob Cosgrove, who calls those who were taken in by bogus holiday clubs and resale companies. According to Cosgrove there is money set aside and waiting for them in respect of what they paid out. That even if the consumer doesn’t have any paperwork, that is not a problem.

According to Cosgrove, they do not expect any money from the consumer (no doubt that will come later to cover “TAXES”), but the consumer will be paid out by cheque, being paid out directly from some fund or other.

The telephone number they use is 0115 8242 356 which is a Nottingham code, they also use the email address [email protected] which as we already know is just another of those free email providers and is not linked to any website.

The interesting fact is that Reclaims Yard Limited, Company Number 07722606, is a genuine company, although according to Company House records has an Active order to Strike off.

This company has nothing to do with timeshare, they are in fact specialist in reclaiming, restoring a selling “interesting and unusual” pieces of the past, reclaiming building materials and architectural salvage.

They have also published on their website a warning regarding the fraudulent use of their name regarding the timeshare claims:

IMPORTANT ANNOUNCEMENT:-

PLEASE NOTE THAT WE ARE ABSOLUTELY NOTHING TO DO WITH SPANISH PROPERTIES,  TIMESHARING OR ANY OTHER TYPES OF FOREIGN INVESTMENTS OR RECLAIMING FUNDS.

THIS IS A SCAM!

OUR ADVICE IS TO NOTIFY THE POLICE IF YOU RECEIVE ANY COMMUNICATIONS REGARDING THIS.

WE ONLY TRADE IN RECLAIMED (PREVIOUSLY USED) BUILDING MATERIALS AND NOTHING ELSE.

PLEASE SEE OUR NEWS PAGE FOR FURTHER INFORMATION…….

https://www.reclaimsyard.co.uk/

Once again, we see a fraudulent operation using the name of a genuine company to give themselves credilbility when the consumer does a quick internet check. We cannot emphasise that when making these checks it is not just to see if they are registered but to actually look at the company name that is being used.

Now for today’s article

Quebec Canada Bill 178: An Act to amend various legislative provisions concerning consumer protection

187.13 A contract relating to timeshare accommodation rights is deemed to be a service contract

A contract related to timeshare accommodation rights is considered a service contract. You may resiliate your contract for other reasons, and you have other rights and recourses.

Resiliate: fait d’annuler, de résilier un contrat canceling , termination
The verb resiliation means “To draw back from a contract”
https://dictionary.cambridge.org/dictionary/french-english/resiliation

By Irene Parker
August 7, 2018

Once again the nature of the perpetual timeshare contract comes under the legislative microscope, this time in Quebec. Perpetual contracts are not harmful in the case of your home or car, but with little to no secondary market for unwanted timeshares, the consequences of signing a perpetual timeshare contract has financially devastated many of the 515 families that have contacted Inside Timeshare seeking release. Many members have been scammed by timeshare exit companies and listing agents promising, but not delivering results.  

Among other provisions, Quebec Bill 178 defines a timeshare contract as a service contract. This could have lasting consequences for Canadian timeshare buyers who have felt trapped by the perpetual timeshare product. Many timeshare members are saddled with high interest rate loans and some with higher interest rate credit cards issued by timeshare companies.   

Under Bill 178, a service contract can be cancelled under liberal conditions. The profound implication boils down to the ability to cancel the timeshare contract if the purchaser is not getting the benefits of ownership. According to those familiar with the legislation, not getting benefits could be due to medical conditions, availability, or a host of other reasons.    

This is not the first time Canada has ruled on the definition of a timeshare. According to this 2017 ruling, the Canadian Court of Appeals defined a timeshare more like a country club than real property.

On July 11, 2017, In a decision that will likely affect all timeshares and owners of timeshares with properties located in Canada, the Federal Court of Appeal set aside the Tax Court of Canada’s decision in the case of Club Intrawest v. Canada. In doing so, the Court of Appeal substituted its own decision to refer GST assessments back to Canada Revenue Agency for reassessment of GST just for services supplied in Canada in relation to vacation homes situated in Canada.  Federal Appeal Court Judges Nadon, Gauthier and Dawson agreed with the Tax Court’s finding that a principal-agent relationship does not exist between the club and its 22,000 members. This decision also confirms that members of Club Intrawest (now rebranded Embarc by Diamond Resorts International (DRI)) do not hold beneficial ownership in the real estate and equipment in vacation home resorts and do not control the Club. The Court found that members merely own a right of occupancy in exchange for their resort points. This contradicts sales presentations, financial and marketing materials by Intrawest Corporation (“Intrawest”) and now DRI, to the effect that members have beneficial ownership of vacation homes and control the Club through election of the Board of Directors, responsible for managing the Club’s operations.  The ruling will require the club to pay reassessed GST back-taxes for tax years 2002-2007. The GST/HST tax liability for tax years 2008-2016 is unknown at this time. All timeshare owners with vacation homes in Canada may be impacted by this decision and may also see themselves assessed for back taxes on the supply of services in Canada related to vacation homes situated in Canada.

http://insidetimeshare.com/fridays-letter-canada/

Spain ended perpetual timeshare contracts.

Spain was the first country to rule that perpetual timeshare contracts are illegal. In Spain timeshare contracts purchased in perpetuity, floating weeks and points, have been deemed unlawful by the Supreme Court. To date, Spain has ruled in favor of the consumer in a whopping 129 Supreme Court victories.

Marriott Vacation Club (VAC U.S.: NYSE stock symbol) filed an 8-K Other Events, as reported by Market Exclusive July 19, 2018. One of the events was mention of Spain’s Supreme Court rulings invalidating timeshare contracts.

A series of Spanish court rulings over the past several years invalidating timeshare contracts have increased our exposure to litigation and such litigation may materially adversely affect our business and financial condition.

https://marketexclusive.com/marriott-vacations-worldwide-corporation-nysevac-files-an-8-k-other-events-4/2018/07/


Notes from the Quebec Bill 178
http://www.assnat.qc.ca/en/travaux-parlementaires/projets-loi/projet-loi-178-41-1.html

Introduced 18 April 2018 Quebec National Assembly
Passed 6 June 2018
Excerpts from the bill:  

Bill 178 defines a timeshare contract is a service contract and not a purchase agreement involving a property transfer.

Bill 178 (2018, Chapter 14) An Act to amend various legislative provisions concerning consumer protection

The Act proposed amendments to the Consumer Protection Act to introduce a protection regime governing contracts relating to timeshare accommodation rights.

  • The Act introduces rules specific to the making of that type of contract and sets out the compulsory information such a contract must include. It grants consumers the right to resolve the contract without charge or penalty within 10 days of signing it and specifies the circumstances in which that right is extended to one year.
  • The Act imposes on merchants who enter into a contract relating to timeshare accommodation rights the obligation to establish a payment schedule for each year covered by the contract…..Furthermore, the Act introduces a disclosure obligation related to promotion made by merchants engaged in the business of such contract, prohibits certain stipulations and provides that such contracts may not be automatically renewed.   

    Division V.3
    Contract Relating to Timeshare accommodation rights


    187.13 A contract relating to timeshare accommodation rights is deemed to be a service contract

    187.14 A contract relating to timeshare accommodation rights must be evidenced in writing. In addition to the information that may be required by regulation, it must contain or state the following, presented in conformity with the model prescribed by regulation:
  • (h) the term and expiry date of the contract;
  • (j) the fees to obtain an accommodation right, their amount on an annual basis if they are calculated on a basis other than annual, and the total of such amounts for the entire term of the contract.
  • (t) a statement that the merchant may not collect payment from the consumer before beginning to perform his obligation;
  • (u) the right granted to the consumer to resolve the contract at his sole discretion within 10 days after that on which each of the parties is in possession of a duplicate of the contract; and
  • (v) the other circumstances in which the consumer may resolve or resiliate the contract, any applicable conditions and the time within which the merchant must refund the consumer.

    187.15 Any stipulation that results in the automatic renewal of a contract relating to timeshare accommodation rights is prohibited.  

    187.16 The merchant may not make the entering into or the performance of a contract relating to timeshare accommodation rights dependent upon the entering into of a credit contract.

    187.21 The contract may be resolved at the discretion of the consumer within 10 days following that on which each of the parties is in possession of a duplicate of the contract.

    That period is, however, extended to one year from the date on which the contract is made in either of the following cases:
  • the contract is inconsistent with any of the rules set out in section 25 to 28 for the making of contracts, or one of the particulars required under section 187.14 does not appear in the contract; or
  • a Statement of consumer resolution and resiliation rights and a resolution and resiliation form that are in conformity with the model prescribed by regulation were not attached to the contract at the time the contract was made.

187.24 Any contract entered into by a consumer, even with a third-party merchant, on the making of or in relation to a contract relating to timeshare accommodation rights and that results from an offer, representation, or other action by the merchant who is party to the contract relating to timeshare accommodation rights forms a whole with the latter contract and is resolved or resiliated by operation of law at the time the contract relating to timeshare accommodation rights is resolved or resiliated.

In addition, the consumer may, with respect to a contract entered into with a third-party merchant and contemplated in the first paragraph, exercise directly against the merchant a recourse based on the non-performance of the contract or on the provision of this Act.

187.25 Within 15 days after resolution or resiliation, for the reason set out in section 187.26, of the contract relating to timeshare accommodation rights, the merchant must refund all sums paid by the consumer under the contract and under any other contract contemplated in section 187.24, including sums paid to a third-party merchant.

229.1 No person may, when making or promoting a contract relating to timeshare accommodation rights, make representations implying that the contract is an investment, unless the person gives the consumer a document showing the truthfulness of the representations.    

A contract related to timeshare accommodation rights is considered a service contract. You may resiliate your contract for other reasons, and you have other rights and recourses.


What’s next on the timeshare horizon?

The key word in 229.1 is “may” because in the U.S., the language in one state regulator’s ruling states “should” not make representations implying that the contract is an investment. What a difference one word can make.  

Thank you Irene for this very interesting piece of news, we do hope that others will follow in the footsteps of Spain and now Canada to put into place laws and regulations to protect consumers from the excesses of the timeshare industry. We can only wait wait and see.

From our warning of another fraudulent timeshare reclaims caller, this does really hit home that you must always do thorough company that contacts you or that you have found on the internet. Doing your homework is vital to protect yourself from scammers and fraudsters.

If you need help in checking if a company is indeed genuine, then use our contact page, Inside Timeshare will help you find the truth and point you in the right direction.

Remember DO YOUR HOMEWORK AND KEEP YOUR HARD EARNED MONEY SAFE!

Another New Timeshare Claims Company

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

https://timeshareredress.com

With the following address Telephone number and email:

Ground Floor, 22 Vantage Park,

High View Close, Hamilton,

Leicester LE4 9LJ, United Kingdom.

0800 051 1738

[email protected]

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

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

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

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

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

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

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

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

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

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

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

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

So what can we assume from this website?

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

So what about the no win no fee aspect?

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

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

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

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

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

The Tuesday Slot with Irene

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

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

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

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

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

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

(+34) 603208693 Spanish mobile

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

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

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

http://procuradores-igraim.com

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

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

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

Now for this weeks article.

Timeshares Affecting the Lives of our Veterans

Another Veteran Family

A Tahiti Village Timeshare Experience

July 31, 2017

Introduction by Irene Parker

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

By a Discouraged Tahiti Village Member

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Comments from Irene

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

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

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

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

www.whistleblowersofamerica.org @whistleP2P

601 Pennsylvania Ave, Washington, D,C.

Statement of

Ms. Jacqueline Garrick, LCSW-C

Executive Director

Whistleblowers of America

Before the

Committees on Veterans’ Affairs

U.S. Senate

U.S. House of Representatives

March 14, 2018

Fraud and Scams Against Veterans:

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

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

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

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

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

Friday’s Letter from America

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

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

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

Click to see a PDF of the letter.

mundo_tours  

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

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

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

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

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

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

Americano Beach Resort – post Hurricanes Matthew and Irma

What does the Future Hold?

By Meryl Stefan

Introduction by Irene Parker

July 27, 2018

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

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

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

From our prior article:

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

By Meryl Stefan

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

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

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

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

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

Comments from members,

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

From the FAQs found on the ARC website

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

From Irene

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

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

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

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

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

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

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

The Great Anfi Battle of the Partners Round 2

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

 

The Tuesday Slot with Irene

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

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

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

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

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

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

(Violent felling of shanties in Tauro)

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

With following photo posted on facebook:

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

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

Now on with today’s article.

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

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

By Diane Creiger

July 24, 2018

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

In my complaint I included:

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

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

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

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

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

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

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

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

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

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

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