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Irene Parker

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The Tuesday Slot

Since we published last week’s Friday’s Letter from America, Inside Timeshare has received some very good news from one of our readers. It was concerning the “FAKE” law firm Amador Galeca Abogados, this reader had paid them by bank transfer to start “legal” proceedings against Royal Sunset Beach and Andrew Cooper. When she became suspicious, she found our articles on this group, which are part of the Litigious Abogados family of “FAKE” law firms.

We advised her to contact her bank and see if they could stop the transfer, this she did. Thankfully her bank has managed to do this and the money is now safely back in her account.

amador-galeca-300x191

She then received another call from this “law firm” asking why she had stopped the transfer and why she was not going to continue with the “case”. She told them in no uncertain terms that they were a “scam”, to which they replied, have you been reading the Inside Timeshare Blog? They are the ones perpetrating the scam!

Well, it is certainly a great scam, considering Inside Timeshare never receives or asks for any payment for any help or advice we give. To be a scam there must surely be some financial motive.

The only ones perpetrating a scam here are Amador Galeca Abogados along with all the other fake law firms this lot have produced. If Inside Timeshare is wrong in what we publish we ask this very simple question, YOU ARE SAYING YOU ARE A LAW FIRM, SO WHY HAS INSIDE TIMESHARE OR OUR LAWYERS NOT HAD ANY NOTIFICATION OF YOU TAKING ANY LEGAL ACTION FOR PUBLISHING FALSEHOODS?

The simple answer is, YOU ARE THE FAKES, YOU ARE THE ONES WHO ARE DEFRAUDING VULNERABLE ELDERLY TIMESHARE OWNERS. THE AUTHORITIES ARE ONTO YOU AND WE WILL KEEP ON PUBLISHING ABOUT YOU AND EVERY NEW WEBSITE, FAKE LAWYERS NAMES THAT YOU COME UP WITH. THAT IS OUR PROMISE TO ALL OUR READERS!

Now on with this Tuesday’ article from Irene Parker.

Timeshare Lending Decisions

As Compared to Prenuptial Agreements

AB

By Irene Parker

October 10, 2017

Mesmerized by the thought of endless vacations, while on vacation brain, staring at a finger pointed to a low monthly payment, the last thing on the mind of a timeshare buyer is “What type of lending, if any, should I select in the event my decision to spend thousands of dollars for a vacation plan does not work out?”  

The decision made about how to finance a timeshare purchase has a dramatic impact on what happens if a buyer learns later they made a mistake.

Hopefully, you didn’t make a mistake. There are timeshare companies that work hard to keep up industry standards and provide a viable, if limited, secondary market.

Last week we published an article about timeshare Foreclosure. Out of 160 US timeshare complaints Inside Timeshare has received, the majority are about high interest rate loans and even higher interest rate credit cards. The toxic and compounding effect of this combination can spell financial disaster. It can mean the down payment is financed at around 25% and the loan 12% to 19%. Many tell us they were told any bank would refinance a timeshare at a lower interest rate only to learn banks do not finance timeshares. Comments include, “Banks would be crazy not to finance your timeshare. It is worth $500,000!” when it was worth nothing on the secondary market”. One complaint even stated specifics – the name of the bank, the term and an interest rate of 6%.  

At the last timeshare presentation I attended, the sales agent told us, “When you get home, take out a home equity loan. No one would finance at our interest rates.” However, transferring to a lower interest loan like a home equity loan may not be the right decision either.

Inside Timeshare published its first Nightmare on Timeshare Street article one year ago. The family was struggling to pay maintenance fees. As so many of our readers have reported, a common solution, as suggested by unscrupulous sales agents,  is to sell the existing member more points as this will afford them maintenance fee relief or the ability to sell points. Unfortunately, the programs were non-existent. Fortunately this family walked away from this deal. Unfortunately, they had taken the financing advice and took out a home equity loan transferring the loan to a third party lender. When the kids said they wanted nothing to do with timeshare, and the maintenance fees escalated, they were forced to deed back $60,000 worth of vacation points and were left with a $33,000 home equity loan and a high school graduate starting college.

Should timeshare buyers ever consider third party lending?

Savage

Timeshare Attorney Mike Finn of the Finn Law Group says NO!

Mike posted this comment after reading “Foreclosure, Is it Survivable?”

http://insidetimeshare.com/timeshare-foreclosure/#comment-10000

Another tremendous and informative article! I think the one major, major admonition I have for anyone, client or not, who has purchased a timeshare with developer financing and may want to reconsider the merits of the purchase (and, of course, assuming the rescission period has passed), do not, I repeat, do not under any circumstances, attempt to re-finance the purchase via a home equity line or a transfer to a lower interest credit card, or, for that matter any other methodology that has as its objective, re-paying the developer with other third party money.

For that matter don’t even think about using your own funds either! Assuming you soon may conclude that you do not want to continue with your timeshare obligation for whatever reason, legally based or economically driven or a combination of both, you will come out much better in the long run (no matter the developer’s interest rate) if you are left dealing with the developer as your creditor, as opposed to any other third party you opt to transfer that debt to! If you have any sort of legal argument that the resort debt was accompanied by any sort of misrepresentation or fraud in its inducement at time of contract of purchase, you will lose the benefit of that position with any other third party creditor save the resort!

Respectfully,

Mike Finn

This leads me to the comparison I made in today’s title, comparing a timeshare lending decision to a prenuptial agreement. Being in love is a little like being on vacation. A marriage often starts with a vacation. With love all around, the idea of signing an agreement that casts doubt on the “till death do us part” seems distasteful.

From what Mike Finn says, if you must buy a timeshare, begin with a negative end in mind. Buy it on the developer’s high interest rate nickel because in-house loans are easier to cancel. For my part, if this is the appropriate strategy, then a timeshare should never be purchased. Would I buy our timeshares again knowing what I know today? Yes, I would buy Port Elsewhere in the Ozarks and Maui Hill fixed-week timeshares again. Ambiguous right-to-use programs I think not.

Can we stop unethical timeshare business practices?

I doubt it. In Florida alone, $70 billion a year flows into the state in tourist dollars. Lawmakers, some influenced by lobbyists, have turned a deaf ear. Regulation is by design at the state level, disguising and diminishing the scope of the problem.  For some industry players, the culture of deceit on the front end of the timeshare sale is so ingrained it is the established norm. Until the problems associated with perpetual contracts with no secondary market and deceitful and overly aggressive sales tactics are acknowledged and addressed, buyers should consider carefully the choice between buying a timeshare and booking online. To my knowledge not one timeshare company has ever admitted wrongdoing.

The following self-help Facebook pages offer members a safe place to express concerns and share experiences. Petitioning a timeshare company can be frustrating and intimidating. Contact Inside Timeshare or one of these self-help groups if you have a positive or negative timeshare experience to share.

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

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

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

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

we can help

Thanks Irene for that article, also our thanks to Mike Finn of the Finn Law Group for your contribution.

Inside Timeshare welcomes contributions to our pages from you the readers, we are also looking for more contributors from Australia, Asia, Mexico Central and South America, India and anywhere that timeshare consumers exist. Let us all get together and share our experiences, the industry will only change when we all speak with one voice.

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letter from america

Friday’s Letter from America on Thursday

Welcome to Friday’s Letter from America on Thursday, yes that is correct, we are publishing a day early as we are travelling to the US on Friday.

Inside Timeshare is visiting our American colleagues, with Irene and Don meeting me at Orlando airport, while there we have arranged to meet with several attorneys including America’s very own Timeshare Crusader Lisa Ann SchreierWe will also be meeting many other people and hopefully having a few cold beers.

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Inside Timeshare is also pleased to announce a new collaboration, for sometime CLA International based in Dubai, has been getting their website up and running. They have been following the articles published on Inside Timeshare and have asked if we would run their news section.

They wanted an independent voice rather than their own take on things, Inside Timeshare has agreed to supply those articles, so many of the articles regarding international timeshare news we publish will be posted on their website. These will be from the many contributors who are now writing for Inside Timeshare. We also hope to add more from the following areas:

India (Goa), Thailand and the surrounding Asian area, Australia, Mexico, Central and South America, we welcome any contributor who would like to publish their experiences, news and views on the world of timeshare. You can contact us via our contact page or direct to admin@insidetimeshare.com

contribute

Update from Europe

Once again, Inside Timeshare has heard from another reader who found our articles on the Litigious Abogados family, namely Amador Galeca Abogados.

The reader had a call regarding their timeshare at Royal Sunset Beach, with the name Andrew Cooper again being named as the director being taken to court with all his personal property and assets being seized. For a sum of just under 1000€ they could be part of the case.

The reader then made a bank transfer, but then decided to check out the name Andrew Cooper, finding our previous article. When the reader contacted us we explained how the scam operates, they immediately informed their bank and the bank is now trying to stop the transaction.

The reader explained that when her husband became too ill to travel Royal Sunset actually took back the timeshare, so they no longer owned. Because of this there would not be any basis for a claim in any court.

This story just goes to show once again, before you pay any money, check who you are dealing with. Hopefully the readers bank was informed in time to stop the money being transferred.

stop think proceed

We started the week with verdict from the courts against Palm Oasis (Tasolan), the following day the Supreme Court ruled on another case against Silverpoint in Tenerife, that made 64 rulings from this court on timeshare. In this case the court again declared the contract null and void, awarding over £99,000 plus a double deposit of £6,082 including legal fees and legal interest.

Then yesterday Wednesday 4 October the High Court in Tenerife ruled once again against Silverpoint and awarded over 67,000€ plus legal fees and interest to the client. This was then followed by the news the Supreme Court had just issued another sentence against Silverpoint, bringing the total number of cases won at this court by Canarian Legal Alliance to 65.

Now on with Irene’s article where she recounts our first meeting and her visit and interview with Canarian Legal Alliance. We have certainly moved on since that first meeting.

Canarian Legal Alliance and Inside Timeshare

The meeting of minds

Irene with CLA
Irene Meeting with CLA Staff Sept 2016

By Irene Parker

October 5, 2017

We are judged by the company we keep, so shortly after submitting my first article to Inside Timeshare my husband and I flew to Gran Canaria, Canary Islands to meet Charles Thomas and his Canarian Legal Alliance friends. It was not an easy trip since we boarded the wrong plane in Madrid and ended up in AMSTERDAM!

We stayed at Diamond Resorts Cala Blanca resort on Mogan. A Diamond sales agent in the US actually introduced me to Charles by sending me one of his articles. The staff at Cala Blanca could not have been nicer. I talked quite a while with the manager as he was the head of a resort employee union of sorts advocating on behalf of refugees he felt were being treated unfairly at a resort on the other side of the bay. One of the sales agents working at Cala Blanca and a friend of Charles is one of my Facebook friends.

In today’s timeshare world you can’t be too careful. Attorneys come in all ethical shapes and sizes. In addition to meeting Charles, I was able to meet with the CLA office manager Csilla, named business person of the year for Gran Canaria, several intake workers showing sincere compassion as they listened to timeshare accounts over the phone, and a few CLA lawyers. Since this July 2016 video clip CLA has achieved several more victories for EU timeshare clients – 65 Supreme Court victories to be exact as of October 4, 2017. Watching this video for the first time, I remember thinking if Cristina ever decides she doesn’t like law, she could find a job in the motion picture industry.

http://www.canarianlegalalliance.com/cla-latest-updates-video/

Timeshare today seems to have lost all sense of direction. True, we hear primarily from the disgruntled, but developer lawsuits flying back and forth between timeshare developers and transfer agents has left many timeshare members in a state of confusion. Who do you trust?

I trust CLA and am honored to have been asked to have my Inside Timeshare articles featured on the new CLA International website with Charles webmaster of the news tab. Our Diamond Resorts member sponsored Advocacy Facebook administrator and Economics Professor Michael Nuwer and Australian Contributor Justin Morgan submitted their comments for this article about the Apollo Global Management buyout of Diamond Resorts.

http://clainternational.ae/2017/09/28/who-is-apollo-what-is-apollo-two-diamond-member-consumer-advocates-offer-their-opinion/

Timeshare members need help. It has been widely reported many aging baby boomers (like me) are desperate to be released from timeshare. Some timeshare companies have launched surrender programs, like Wyndham’s Ovation program, but the vast majority of members contacting Inside Timeshare succumbed to high interest rate loans and credit cards. Thus, they are not eligible for voluntary surrender programs. Often they are forced into foreclosure. The problem is exacerbated when the member alleges they were deceived into buying a timeshare or upgraded for maintenance fees relief or buy-back programs that do not exist. Out of 157 complaints received (as of October 4), 143 allege deceit on the front end of the sale. The others can’t afford rising maintenance fees.

From our humble beginnings, as more members started helping other members, we called ourselves Timeshare Advocacy Group™ as members turned anger and disbelief into action and advocacy. Timeshare Advocacy Group™ started as an afterthought. A former timeshare sales agent contacted me and said they wanted to do a press release in Arizona. We needed a place where readers could respond.

Irina Allen stepped up to the plate. She is our Facebook page administrator.

admin lady new

Irina (Irene) Allen purchased over $500,000 worth of timeshare points to share with family, friends and clients. On the advice of a sales agent, Irene opened a RedWeek account and posted one ad to rent some of her points. She gave up this idea after she never got paid for the rental. Rentals are not allowed, according to company rules, but there are hundreds of rental ads anyway. She also was accused of opening an Airbnb account. Irene says she has never had an Airbnb account. She was expected to pay $2,400 per month in mortgage payments and $29,000 in maintenance fees for a year while her account was suspended. Resorts are exempt from the rule for promotional purposes. Thus, the resort was able to rent out Irene’s points at Irene’s expense.

At Timeshare Advocacy Group™ members also help members with regulatory filings and media outreach. We have Wyndham, Bluegreen and Diamond members working alongside former Hyatt, Westgate, and Diamond timeshare sales agents in an effort to reform an industry badly in need of reform. In addition to timeshare members, other Advocates, like blogger Lisa Ann Schreier, lend their support. Lisa Ann and Charles are both former timeshare sales agents.

In America, it’s not easy these days for opposing sides to talk to each other, but every once in awhile there is a glance of a Republican sticking their toe over to the Democratic side of the aisle. It is our hope there will be a day when developers will take the time to listen to what critics have to say instead of only focusing on ambulance chasing unscrupulous transfer and listing agents. It is my belief, until the deception on the front end of the timeshare sale is acknowledged and addressed, the court of public opinion is the only court open for the beleaguered and often financially devastated timeshare member learning their contract is perpetual and the secondary market limited at best. For some timeshare companies, there is no secondary market. What other investment or product exists that holds the buyer of a product hostage?

Charles Irene

Charles is winging his way to America tomorrow, so let us know if you will be in the Orlando area October 8 – 12. Or, let Charles know the next times you happen to be on Gran Canaria in the Canary Islands.

I am a former stockbroker and financial planner. After I retired from the brokerage business, I became a CASA Supervisor, writing court reports for Family Court on behalf of children in foster care. I have always had a problem turning my back on anyone who considers themselves a victim. There are many ways to volunteer time in retirement. Join us in our efforts to enhance timeshare accountability and transparency.

http://insidetimeshare.com/what-a-volunteer-does-for-nothing/

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That’s it for this week, tomorrow will be a long day as it is Gran Canaria, Madrid, Miami then to Orlando. I know Irene and Don have set aside a couple of days to show me some of the sights, so it will not be all work and no play!

We will however be trying to publish some articles while over there, so keep an eye on these pages.

Have a great weekend

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The Tuesday Slot; Airbnb v Timeshare

Preface by Irene

The mass murder in Las Vegas strikes everyone worldwide to their core. The 2nd amendment in America was written when our founding fathers defended themselves with muskets. Many ask, and I’m sure others wonder why I am so determined to advocate for consumers who feel they have been victimized financially by unscrupulous timeshare sales agents. Memories like the ones in Vegas are experiencing will last a lifetime. At age 24, my best friend since the third grade Jayme Simmons, was murdered by her husband in front of her two year old. He served seven years in jail. That level of anger may dim but it doesn’t die. I channeled my anger into advocating for victims of any race, creed or color. I hope those experiencing what they are experiencing today will find peace and a way to make their heartbreak a path to a better world. Does that better world include me being able to buy an assault weapon?

While getting this article ready for publishing this latest news has just been released:

Airbnb have issued a statement that they are offering free rooms to family members of the Vegas victims. This is a very great move by this company and is highly commendable.

with you

Tattoos Timeshares and Airbnb

Airbnb “Experiences!”

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Michelle Myles and Airbnb

https://www.airbnb.com/experiences/111311?source=pdpother

Featured Airbnb launch of a New York City Tattoo “Experience”

https://press.atairbnb.com/airbnb-and-celebrity-guests-celebrate-launch-of-nyc-experiences/

By Irene Parker

October 3, 2017

A few timeshare members posted on a member sponsored Facebook I follow that their sales agents told them they could use timeshare points to book Airbnb stays. I contacted the resort only to learn no such program existed, but I began to think about how the ability to use timeshare points to book Airbnb stays might solve the two biggest timeshare complaints Inside Timeshare hears most frequently.

First, there are many complaints about limited availability. Airbnb has four million choices spanning the globe. Second, there are many timeshare complaints about the cost of a stay. While timeshare bargains can be found, if your goal is to vacation in New York City, our timeshare does not work. It would cost us $13,467 in maintenance fee dollars to stay one week October 1 – November 30 at the same New York hotel that could be booked online for $2,867 including taxes and fees. I checked year round. The ability to stay in New York was the reason we bought additional timeshare points.

What’s an Airbnb Experience?

Airbnb has a unique “Experience” program that allows members to book cultural experiences for as little as $20 per person. Unlike timeshare, Airbnb doesn’t use the “Experience” program as a means to sell you anything.

Michelle Myle’s New York City Daredevil Tattoo Experience is one that hits home. Michelle is my daughter. We had assumed Michelle would get a job as a graphic designer after graduating from Parsons School of Design, designing ads for cereal boxes or something, but the classic artist in Michelle had other ideas.

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As Michelle explained to me, “It’s not just prisoners and sailors anymore!”  When I saw one of Michelle’s tattoo’s on the cover of New Yorker magazine commemorating 9/11 one year showcasing a “5555” officer down tattoo on the arm of a firefighter, we understood that tattooing has come of age.

King Tut is a favorite of mine.

king tut

In addition to being the co-founder of Daredevil Tattoo located in a quiet (for New York) section of Chinatown, Michelle used Kickstarter to launch Daredevil Tattoo Museum. This led to Michelle becoming a curator and licensed NYC Tour Guide. Artifacts were on display at the New York Historical Society this year.

https://www.nytimes.com/2017/02/02/arts/design/tattooed-new-york-mohawk-chiefs-bowery-denizens-inking-artists.html?mcubz=1/

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

The above link displays Forbes Magazine’s report about Michelle’s Friday the 13th marketing strategy that attracts hundreds every Friday the 13th.

I wondered about other Airbnb Experiences. Of interest to me is Urban Grown. Tony is the founder of Harlem Grown, a non-profit that has grown to eight urban farms. Tony’s organization inspires youth to lead healthy lives through hands-on urban farming and nutrition. If I chicken out of getting a tattoo, my back-up plan is Tony’s Urban Farms.

https://www.airbnb.com/experiences/38915?location=New%20York%2C%20NY%2C%20United%20States&source=p2&currentTab=experience_tab

Here’s the complete Airbnb Experience shopping list.

https://www.airbnb.com/s/experiences?allow_override%5B%5D=&s_tag=gk2A53_K

Thank you to Charles Thomas for this opportunity to shamelessly promote Daredevil Tattoo and Museum. Daredevil is located just steps from the Lower East Side Tenement Tours, so stop by the next time you visit The Big Apple. Michelle is used to “one of my mother’s friends” stopping by.

I am always asked, “Do you have any tattoos?” No, in 1989 I told Michelle I would not pay her tuition at Parson’s School of Design if she obtained more than five tattoos. Michelle thought this was cruel and unusual punishment. She has bent somewhat on that position, but I’m just not sure what art to select. It probably should be trumpet great Miles Davis, because after attending a Miles Davis concert, the opening act Richard Pryor, I reported shortly after birth, Michelle’s middle name would be Myles.

We have all used and enjoyed our timeshares and hope the industry works with us to achieve greater accountability and transparency in timeshare sales.  And hey, maybe timeshare developers could create new ways for timeshare members to use their timeshare points by booking Airbnb stays. It’s not a bad idea.

air bnb

Thank you Irene and Michelle, also our thanks to Airbnb who helped Irene prepare this article. We know that it is not timeshare but it does show other alternatives, as Irene said, maybe developer could find another way of working.

hello october

First Monday of October

Welcome to the first Monday of October, if last month was anything to go by, we think that this month is going to be rather busy. Inside Timeshare will be travelling to the US at the end of the week, while there we will be meeting with our US colleagues all arranged by Irene Parker. It should prove a very interesting trip, we also hope to carry on publishing while there.

Before we continue, Irene has sent the latest update from the US on the atrocity committed in Las Vegas, the toll has risen to 50 dead and over 400 wounded. Inside Timeshare on behalf of all our readers send our sympathies to those bereaved and wish the very best and a speedy recovery to those injured. You are in our thoughts. It is a sad world we live in today and this makes our timeshare problems seem paltry in the light of these events.

with you

Last Month, we highlighted several new “claims” companies, along with the new incarnations from Litigious Abogados, no doubt there will be many more coming to light as the month progresses. We are just wondering on what the new names will be?

Over the last month we have had many emails on the articles published, especially on the fake firms, but many from the US who have watched our midweek reports and Friday’s Letter from America.

The US readers have all identified with many of the stories published, these have been passed to our Advocates who then make contact. Many of the stories are very similar, all revolving around the overselling of points and the use of the Diamond BarclayCard. It is frightening to see how many of these readers are elderly and how they are being treated by unscrupulous sales agents. Things do need to change.

Last week Canarian Legal Alliance sent in several of their latest court victories, some arrived after publishing.

On 26 September, we published their 61st win at the Supreme Court, since then there have been two more bringing the total to 63! Details have yet to be published.

They finished off last week with two more victories on behalf of their clients, the first was at the High Court Number 4 in Fuengirola, Malaga.

This was against Petchey Leisure, the contract was declared null & void, again it was in contravention of law 42/98. In this ruling the court declared that the contract did not specify certain information required by law when the contract was signed and issued. These specifics included, lack of information such as date time and location, which should be clearly indicated in the terms and conditions. The court awarded the client over £14,000 plus legal fees and legal Interest.

Just to end the week on a high note, they also announced another ruling against Silverpoint in Tenerife. The High Court Number 3, once again declared the contract null and void, awarding the client over £39,000 plus legal fees and interest.

In this ruling the judge used the timeshare law 42/98 regarding the length of the contract, which must be no longer than 50 years and must be clearly stated in the terms and conditions.

In today’s press release, they announced a verdict from the Court of First Instance in maspalomas, this was against Palm Oasis (Tasolan).

The German client has been awarded the return of 31,220 German Marks (yes you did read that correctly, it was purchased before the Euro). They have also been awarded maintenance fees and legal interest, with the contract being declared null and void.

So that is the start of this week, it just remains to be seen what other news come to light as the days pass.

It only goes for us to say as usual, be careful on who you do business with, if you do not know how to check out the validity of a company, contact Inside Timeshare and we will point you in the right direction.

 

letter from america

Friday’s Letter from America

Welcome to another edition of Friday’s Letter from America, today Irene Parker asks the Florida Attorney General Pam Bondi, What about us? Ms Bondi seems to have a reputation for backing big business rather than the consumer, but more of that in Irene’s article. As usual we begin with what is happening in Europe.

CLA Logo

Some news which was breaking yesterday has now been confirmed, Canarian Legal Alliance issued a press release informing us of the latest Supreme Court victories.

Legal history has now been made with CLA achieving their 60th victory in Spain’s highest court, we say legal history as this is unprecedented. No other law firm has ever managed to get this number of cases through the Supreme Court. This is a fantastic achievement since their first victory in March 2015, in the past two and a half years they have not only made history but have also made law.

Their latest victories have been against Silverpoint, in sentence number 59, the court ordered the return of over 65,000€ plus the payment of First Instance legal fees and legal interest. The client’s contract was also declared null & void, which now makes them timeshare free with no more ongoing maintenance fees.

With sentence number 60, the same court ruled that the contract be declared null & void, ordering Silverpoint to return over 92,000€ plus Appeal Instance legal fees and legal interest. This now makes a total of 21 judgments from the Supreme Court against Silverpoint alone.

Then the following day, the Judge at the High Court Number 3 in Tenerife, followed the Supreme Court rulings declaring another client’s contract with Silverpoint null & void. The judge also ordered the return of over 11,000€ plus legal interest.

Not only must the clients be celebrating, but I will wager there was some celebrating going on in the Lawyer’s office!

amador-galeca-300x191

Following the publication of yesterday’s article on the new fake law firm Amador Galeca Abogados, we received an email from a reader who has already been taken in by them. Unfortunately they have already paid the Procurator a fee, but at least it was not a large sum, yet something prompted them to start checking the internet for information before they paid them next amounts.

As we said yesterday it would only be a matter of time before we found out the new name of the Procurator and the bank account they are using, here it is:

Procurator: Graham Ingum Gorrin

Address: C/ Layanva, Edif Colmenas, Oficina 2223, 38003, Santa Cruz de Tenerife.

Bank: Deutsche Bank Sociedad Anonima Espa, C.P.A. BCN, Ronda General Mitre 72-74 Barcelona.

IBAN: ES3900190172854010033761

As for the address of the procurator, searching on google and google maps it does not exist, so any post sent there will obviously never be delivered.

This reader has also supplied some new and interesting information, Amador Galeca informed them that the directors of their timeshare had pleaded guilty in court and that all their assets had been seized, not bad, it seems that all the directors according to this group of fake law firms plead guilty!

The amount paid was for a relinquishment through the Spanish courts, which needed to be done first before they could go to court for compensation. The strange thing is, once again it seems that the jurisdiction of the Spanish Courts now extends beyond the borders of Spain and encompasses timeshare in the UK!

These readers have been lucky, they have not lost a huge amount, they have also informed their bank who is going to issue an alert to all other banks.

This does prove the point, never believe what you are told, especially when it comes to timeshare,

IF IT SOUNDS TOO GOOD, STOP THINK AND DO YOUR HOMEWORK!

homework

Now on with Irene’s article.

Florida Attorney General Pam Bondi – What about Us?

Irma Iniki and Timeshare

most people

By Irene Parker

Friday September 22 2017

Florida Attorney General Pam Bondi expressed her outrage over price gouging during hurricane Irma. While her dismay is understandable and commendable, why has there been so little effort expended to come to the aid of Florida timeshare buyers alleging they were deceived into buying a timeshare? Nationwide there have been lawsuits and Attorneys General investigations too numerous to mention.

Ms. Bondi has been quick to investigate timeshare resale scams.

Florida Attorney General Pam Bondi has filed a lawsuit against a company she accuses of violating Florida’s Timeshare Resale Accountability Act.

Florida has a specific law covering timeshare resales because it has so many of the properties, whose owners are often desperate to unload them.

In this latest case, Bondi sued Prime Resorts International, based in central Florida. She accuses the company of making telephone calls to timeshare owners all over the country, telling them they have a buyer for their timeshare. She says the company also claimed to be able to guarantee the deal would close.

https://www.consumeraffairs.com/news/florida-sues-another-timeshare-reseller-031116.html

The Berkley Group

Sources tell us Ms. Bondi is investigating The Berkley Group. The Berkley Group owns Vacation Village Resorts. With a BBB rating of F, looking into this company is a start, but acting on only 110 out of 2,360 timeshare complaints filed from April 2012 to April 2014 seems underperforming at best.

https://www.bbb.org/south-east-florida/business-reviews/timeshare-companies/vacation-village-resorts-in-fort-lauderdale-fl-4003645/reviews-and-complaints

Ms. Bondi opened this resale investigation after receiving 85 complaints.

The attorney general opened her investigation after she said her office got more than 85 complaints, claiming to have lost more than $110,000. The suit seeks a permanent injunction against the company, consumer restitution, and a civil penalty of $10,000 per violation.

Inside Timeshare has received 144 timeshare complaints of which 130 allege they were deceived on the front end of the sale. The dollar amount in question concerns well over one million dollars. The 14 not alleging deceit say they seek relinquishment because they say they cannot afford the annually increasing maintenance fees. ARDA and the industry continue to ignore deception exists, and with lawmakers turning a deaf ear, the court of public opinion seems the only avenue open for families reporting how they have been financially devastated by their timeshare plan.

follow money

Timeshare revenue in Florida is a lot of dollars to tamper with.

As the state’s No. 1 industry, tourism is crucial to Florida’s economy – generating 23 percent of the state’s sales tax revenue and employing more than one million Floridians. In 2011, tourism was responsible for welcoming 86.5 million visitors to Florida and generated $67.2 billion in direct economic impact.

http://www.flgov.com/governor-scott-applauds-floridas-tourism-marketing-2/

The industry will be quick to respond that there are nine million who own timeshares. What difference does a couple hundred families make? It makes a world of difference to the families affected who have contacted Inside Timeshare.

Recently, the Finn Law Group took issue with the lack of disclosure provided to timeshare buyers. If feeling deceived, after spending $5,000 to over $500,000 on a vacation plan, families are shocked to learn their timeshare has no secondary market and the contract is perpetual. Contracts are deceptive in that they often state points can be sold. Buyers are not informed about the lack of buyers should they need to sell.

LARGO, Fla.–(BUSINESS WIRE)–An administrative petition has been filed against Florida’s Department of Business and Professional Regulation alleging that the agency’s approval of a request by timeshare developers to make statutorily mandated public offering statements available by providing an online address at the closing rather the furnishing hard copies violates Florida law.

http://www.businesswire.com/news/home/20170905006015/en/Finn-Law-Group-Files-Petition-Florida-Agency

Ms. Bondi appeared on Las Vegas Attorney Bob Massi’s Property Man Show in 2016 explaining how the Florida Attorney General’s office worked with ARDA and the Department of Justice to shut down timeshare resale or release scams. Mr. Massi encouraged timeshare members to contact a member of the Licensed Timeshare Resale Broker Association if they need to sell their timeshare. When I contacted LTRBA about selling our Diamond timeshare points, I was informed by several LTRBA members they know of no licensed LTRBA broker who will even accept a listing for our points due to secondary market restrictions.

https://www.youtube.com/watch?v=VHCdcS2Ds-U

Inside Timeshare has also started hearing from Bluegreen members. One member is Lela Renea, a Bluegreen member and a detective. Lela Renea says she was deceived into buying a timeshare. If a Florida detective, allegedly reports being a victim of deceptive sales, what chance does the average timeshare buyer on the street have?

http://insidetimeshare.com/fridays-letter-america-11/

When I wrote an article for TheStreet, Jim Cramer of Mad Money’s investment news service, challenging what is in my opinion gestapo like tactics demanding Diamond members stay vacationed, Diamond demanded a rebuttal, stating they understood life’s changes could render their product a liability so they were introducing a program called Transitions that would allow qualified members in good standing a way out. That was June of 2016, yet the company has yet to introduce the program. “Qualified” is the key word. Most members contacting Inside Timeshare have loans, and many allege they succumbed to high interest rate loans and credit cards after hours long aggressive sales presentations. A timeshare must be unencumbered to be eligible for any voluntary surrender program.

https://www.thestreet.com/story/13624491/1/is-apollo-returning-to-its-junk-roots-with-its-acquisition-of-diamond-resorts.html

“Is Apollo Returning to its Junk Roots?” is the article Diamond found objectionable. Most remember the subprime mortgage crisis, but a decade earlier was the Drexel Burnham Lambert junk bond scandal that sent Michael Milken to jail for securities fraud. DBL founder and banker Leon Black filed bankruptcy on DBL only to reform and rebrand as Apollo Global Management, purchasing Diamond Resorts in 2016. If DBL liked junk bonds, which had some value, timeshare points that have no value the moment the contract is signed, should a buyer need to sell, must seem attractive.

Hurricanes and Timeshare

hurricane

One of the top complaints Inside Timeshare has received concerns upsells by timeshare sales agents on the US mainland selling against timeshare agents in Hawaii. This would be normal competition were it not for the fact the dueling agents work for the same company. Buyers tell us sales agents on the mainland side tell existing members they should not have purchased a Hawaii timeshare because of damages from hurricane Iniki that struck Hawaii on Kauai in 1992. They are encouraged to buy more points and transfer to US mainland points, despite Florida resorts included in their purchase. Obviously, Florida is at risk for hurricanes.

pam bondi 1      Ms. Bondi, please listen to us. The Arizona Attorney General has received over 900 timeshare complaints about Diamond Resorts:

http://insidetimeshare.com/arizona-attorney-generals-assurance-discontinuance/

Wyndham former timeshare sales agent Trish Williams was awarded $20 million by a jury concerning overly aggressive and predatory timeshare techniques:

https://www.nytimes.com/2016/11/25/business/my-soul-feels-taller-a-whistle-blowers-20-million-vindication.html?mcubz=0

Eric Schneiderman’s $6.5 million settlement with The Manhattan Club:

http://nypost.com/2017/08/17/new-york-ag-reaches-6-5m-settlement-with-manhattan-club/

In addition to member families,Charles Thomas at Inside Timeshare has heard from eight current and former timeshare sales agents alarmed at the escalation in predatory sales. The following comment made by a former experienced sales agent mirrors the others.

“I watched every day, agents selling DRI for double and close to triple what it was supposed to be sold for but management laughed and congratulated them for doing it.  The maintenance fees statement about buying more and using that to pay your maintenance fees was a practice that was encouraged, but be careful.  Some of the agents, who still work at DRI, would sell the program for $98k when it was only in the 50k range.  One of the guests came back to cancel but the agent said no worries, “I have it packed 40k but I’ll give then 15 off and still make a killing!”   This made me sick because these particular guests were in their late 70′ early 80’s.  I asked the agent if he had a conscience and he just laughed…if you can get them to pay more you’re a hero!!  They have the money!!

Deception actually goes back further than that.  We were told to pack the price for a trade in and imply that it was what they got back for their TS… we sold it for the regular price….they got nothing for their TS!”

(Charles Thomas, editors note: we have published on many occasions on the “stack and drop” tactic. This has been used for many years and we have seen it throughout Europe. It is used as a tool for upgrading or poaching other companies members. The consumer then believes they have had value for their other purchase).

It is our hope Diamond Resorts will listen and respond, along with Wyndham, Bluegreen and others, to improve timeshare sales today after the rise of “right to use” programs. In my opinion, such programs leave wide berth for misrepresentation and deceit.

The following are self-help Facebook pages representing over 1000 timeshare member families:

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

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

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

A few of the 144 families who have contacted Inside Timeshare:

Marsha, Ann and Marjorie

http://insidetimeshare.com/fridays-letter-america-18/

Bonita Hill

http://insidetimeshare.com/tuesday-review-clarity/

Eron Grant ARDA’s Code of Ethics

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

Irina Allen

http://insidetimeshare.com/monday-start-another-week/

Justin Morgan and Michael Nuwer June 30, 2017

http://insidetimeshare.com/fridays-letter-australia-no-read-correctly/

Alan Callner

http://insidetimeshare.com/wednesday-article-america/

Detective Lela Renea

http://insidetimeshare.com/fridays-letter-america-11/

David Franks Chapter 4

http://insidetimeshare.com/fridays-letter-america-15/

Karen Garello Secret Shopper June 22, 2017

http://insidetimeshare.com/works-industries-not-timeshare/

Romeo and Lily

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

Dr. Jeffries

http://insidetimeshare.com/fridays-letter-america-7/

Angela Johnson

http://insidetimeshare.com/timeshare-advocacy-group-update/

Neina Orrillo

http://insidetimeshare.com/diamond-in-the-news-again/

Barclaycard and Member stories May 17 2917

http://insidetimeshare.com/timeshare-barlcaycard-us/

Marjorie Menacker

http://insidetimeshare.com/another-nightmare-timeshare-street-client-experience-diamond/

Eron Grant May 12, 2017

http://insidetimeshare.com/fridays-letter-america-4/

Barclays Bank Charles May 11, 2017

http://insidetimeshare.com/timeshare-finance-barclays-hot-water-high-court/

Nancy Callahan April 24, 2017

http://insidetimeshare.com/another-nightmare-timeshare-street/

A Filipino Family April 13, 2017

http://insidetimeshare.com/anatomy-timeshare-foreclosure/

Laurie Sabbagh March 17, 2017 Clarity Review

http://insidetimeshare.com/friday-review-news-across-ocean/

A Military Family March 6, 2017

http://insidetimeshare.com/consumer-protection-week-usa/

The Hurleys January 25, 2017

http://insidetimeshare.com/timeshare-advocacy/

Irina Allen January 13, 2017

http://insidetimeshare.com/timeshare-news-across-atlantic/

Kathie Old December 6, 2016

http://insidetimeshare.com/call-change-us-timeshare-industry/

Wyndham Trish Williams $20 Million Whistleblower Jury Award December 5, 2017

http://insidetimeshare.com/wyndham-whistleblower-update/

The Peasant of Venice and the Queen of Versailles November 7, 2017

http://insidetimeshare.com/peasant-venice-queen-versailles/

Sylvia Saldana and the Barclaycard October 25, 2016

http://insidetimeshare.com/irene-parker-write-barclay-card-usa/

Hug Your Haters! By author Jay Baer on the importance of Social Media

http://insidetimeshare.com/customer-service-message/

need you

Will anyone listen? Author Jay Baer is to be keynote speaker at the upcoming October Interval International Shared Ownership Investment Conference, attended by developers and private equity firms. In Hug Your Haters, Mr. Baer strongly urges companies to listen. Members are hopeful, but doubtful, developers will listen to him.

Thank you Irene and those that proof read your article and gave advice, timeshare is a crazy world, which is such a shame as it is a great idea, with many who have enjoyed it for many years. There are some very good developers and resorts, but the reputation of the industry is being spoilt by a few.

Have a great weekend.

weekend-picard

         

 

consumer alert

Litigious Abogados: Another New Name to Add to the Family

amador-galeca-300x191

Yesterday a new name to the ever growing Litigious Abogados family was named, Amador Galeca Abogados, the website was born on 18 July 2017, so is only two months old. Yet according to their website they have over 15 years presence on the net, and they claim to have been a law firm for over 25 years.

amador-malodan-galeca-243x300
Amador Malodan Galeca

http://amadorgaleca.com/

The owner registration details are privacy protected but the site is registered by GoDaddy.

https://www.whois.com/whois/amadorgaleca.com

The website is exactly the same as all the others that have come before, the only difference is in the photographs and names of the lawyers. This new website now shows some new faces with names that are either variations of previous ones or newly made up.

simono-maenga-arlovas
Simono Maenga Arlovas
manuel-pralge-namblib-300x300
Manuel Pralge Namblib
balthathar-hirmod-nisbelam-300x300
Balthathar Hirmod Nisbelam

The address they give on the website is very familiar as it has been used before, Calle de V. Sanz, N14, 16, 38002 Santa Cruz de Tenerife, (it is actually Calle de Valentin Sanz). Number 14 does have a plaque on the wall by the door for an Abogado, but it is not this one here. (We just wonder if this lawyer knows his address is being used).

They use a freephone number: 0800 802 1223 and the email address: galeca_ukclaims@consultant.com

We will hazard a guess here, but we suspect that the story is going to be along the lines of all the other members of this fake family, your timeshare company or resort is about to be taken to court, for a fee you can also be included in this case. We wonder if the Procurador, who will need to be paid, is one of those we have seen before, or whether a new name will be used, no doubt that will be answered within the next few weeks, as other readers contact us with new information.

If the past antics are anything to go by, within weeks of paying the money, the “client” will receive a fake copy of the court sentence, along with a photocopy of a Banesto cheque with the awarded amount printed with their name on it. (Remember Banesto has not existed since 2012).

Compensation_Cheque-page-001

There will also be an accompanying letter stating in English that the director of the company pleaded guilty to all charges, (anyone fancy a wager that it will be Keith Baker or Keith Balker). You will then be asked to pay 21% of the awarded amount as tax to have the cheque released, which will arrive by post. Only problem is that it will never arrive, the envelope will be open, a letter from the court will be there but no cheque.

Now we go to stage three of this very clever operation, you will receive from another company a letter stating they have been appointed by the court, they are to investigate a Romanian gang who stole and cashed a cheque with your name on it. They will also pursue the bank to recover the money for you, you only have to pay them 10% of the cheque value. As we say this is a very clever ongoing sting. So far we don’t yet know what happens next, we have not come across anyone who has made it to stage four. But we do suspect that in order to get the money that has been recovered, another “TAX” will need to be paid.

These claims always sound fantastic, the amounts of money they promise you and in such a short space of time are designed to play on your emotions, then slowly drain away all your money before you realise what has happened.

Our only advice is if you are contacted by any company that tells you a case is about to go to court against your timeshare company or resort, then with a fee you can be included,

STOP, THINK AND DO YOUR HOMEWORK.

homework

If you are unsure how to check any company that makes these promises, or just need confirmation, contact Inside Timeshare and we will point you in the right direction.

Join us tomorrow for another Friday’s Letter from America with Irene Parker, along with some news from Europe that is just breaking.

Follow the links for the whole Litigious Abogados story.

http://insidetimeshare.com/a-narrow-escape/

http://insidetimeshare.com/go-abel-garcia-law-firm-always-wins/

http://insidetimeshare.com/litigipus-abogados-family-gets-bigger/

http://insidetimeshare.com/litigious-abogados-showing-charity/

http://insidetimeshare.com/abogados-abel-garcia-new-member-litigious-abogados-family/

http://insidetimeshare.com/litigious-abogados-plot-gets-thicker/

http://insidetimeshare.com/news-litigious-abogados/

http://insidetimeshare.com/litigious-abogados-new-update/

http://insidetimeshare.com/litigious-abogados-plot-thickens/

http://insidetimeshare.com/litigious-abogados-latest-information/

http://insidetimeshare.com/litigious-abogados-update/

http://insidetimeshare.com/1059-2/

 

hand up

The Tuesday Slot: Giving You a Helping Hand

For many people it can be a daunting task to prepare a complaint against a large company, how is it written, who do you file it with? These are all questions that need to be answered.

In Europe the matter of making a complaint against a timeshare company has actually become easier, especially in Spain, where the laws are on the side of the consumer. But trying to deal with a company that has for the most part tied you up in contracts and legal jargon, has resulted in many complaints by consumers just being put aside with the feeling what is the point?

In today’s article Irene shows how to write the complaint and who to file it with, the most important point is don’t let it get you down there is always help out there. So on with the advice.

How to File a Timeshare Complaint

complaints

By Irene Parker

September 12, 2017

After Inside Timeshare received 135 US timeshare complaints (as of September 8, 2017), this guide evolved to use as a blueprint to file a complaint. Previously, we published an article called “The 3Rs or F of Timeshare” because no one should have to own anything in perpetuity if they can no longer use or afford the product.

http://insidetimeshare.com/part-ii-three-rs-timeshare/

How to File a Timeshare Complaint

  1. Name (s) and age of member
  2. Phone Number
  3. State of Residence
  4. Number of points owned per contract
  5. Member Number
  6. Loan Number  
  7. Current Maintenance Fees
  8. Total purchase price per contract
  9. Location purchased
  10. Sales agent and sales agent ID Number if available
  11. Original Loan Amount, Loan Number and stated interest rate
  12. Current Loan Balance
  13. What do you want? Do you seek Refund or Relinquishment?
  14. Why? Is it due to Deception, Health, Age or Financial Burden?

If your investment is $40,000 or less and you owned and used your timeshare for ten years or more consider relinquishment.

Availability:  Dissatisfied in general with availability complaints will go unheeded.

MOST IMPORTANT – Purchase Timeline

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

The most common complaint is bait and switch. If you feel you were deceived list the reasons why.

who what

How Advocacy Works

Email Inside Timeshare your complaint if you would like to talk to someone about your concerns. Before you begin, raise your right hand. Do you promise to tell the truth, the whole truth, and nothing but the truth, so help you God? It is important to present your information factually and without opinion.

Consider becoming a volunteer report writer if you have reporting experience.

If you have questions, email Irene Parker – ireneparker377@gmail.com

Cell – 270-303-7572 EST – Feel free to call any day of the week between 1 to 5:00 PM EST or if you are unable to prepare your own report.

We are not attorneys and we do not provide legal advice. We have researched regulatory agencies and are here to direct consumers to the appropriate regulatory agencies. Agencies are listed below. We have also developed media relationships and will continue to work with broadcast and print media to alert the general public as to what questions to ask before buying a timeshare. Life events, like a hurricane, can change your life in an instant or a day. If your timeshare provides no secondary market, it can make a member feel a hostage to their vacation plan. Contact a member of the Licensed Timeshare Resale Broker Association to find out whether your timeshare has a secondary market.

http://www.licensedtimeshareresalebrokers.org/

After you complete your complaint email it to the appropriate resort department. Expect to be denied. Typically your resort reviewer will restate your concerns, conduct an investigation and report back that the sales agent (s) denied your claims. It’s a negotiation so if denied, file a rebuttal.

deneid

If you feel you are a victim of deceit and bait and switch, send us a copy of your complaint. An Advocate will file your complaint on your behalf with the firm’s public relations office and ARDA, the timeshare lobby, for violating ARDA’s Code of Ethics which can be found on ARDA’s website. We do not recommend owners make the voluntary opt in or opt out contribution on your maintenance fee invoice for ARDA ROC (Resort Owners Coalition). ARDA is basically a PAC that lobbies for the industry when the issue is one that is at odds with members. We will also include NTOA National Timeshare Owners Association and the bank that financed your loan or issued a credit card. By having the Advocate file on your behalf, we can track complaints, documenting a pattern of criminal behavior.

Mark your email urgent if you are in financial distress. It is best to file a complaint before the debt collectors are hounding. It may take up to 30 days to hear back from the resort. Resend in three weeks if you have not heard back. If you feel you were a victim of deceit and bait and switch, give the resort a week to respond before filing regulatory complaints.

The member will report back to us with a positive or negative outcome. Due to the required non-disclosure or mutual release form, terms and conditions will not be discussed. Just report a positive outcome or resolution.

If your resort denies your claim begin filing complaints with regulatory and law enforcement agencies beginning with the Attorneys General of the state where you signed your contract, where you live and where your resort is domiciled. It can take a month or more to hear back from an AG but once your complaint has been accepted, debt collectors are not allowed to call. You can find any Attorney General by searching the state and Attorney General.

office of ag

If there was an unauthorized credit card charge or you feel you were deceived into signing off on a loan, you should file with the Consumer Financial Protection Bureau under the mortgage option (even if no mortgage) and select the bank that financed your loan or issued a credit card. One common complaint is that the buyer was told they could get a lower interest rate from a bank or credit union. File with the CFPB only if there is a loan outstanding or a credit card was used.

You should file a complaint with the state Real Estate Division in the state where the agent is licensed if your complaint is against a sales agent. The Advocate can help you if you don’t know the agent ID number. Timeshare sales agents are real estate licensed in most states.

File with the Better Business Bureau, although the company’s BBB rating can be misleading in that the BBB only rates how efficiently a company responds to complaints.

The definition of Financial Institution Fraud under the FBI’s definition of White Collar Crime is “deceit, concealment, violation of trust and bait and switch”. The FBI assigns Financial Institution Fraud the highest priority. You can read about White Collar Crime on the FBI website, but complaints are filed at IC3.gov. This is somewhat confusing because IC stands for Internet Crime and people think it has to be internet related. IC3.gov is just the name of the portal.

fbi

 

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

Our “Chicken Soup for Timeshare’s Soul” Inside Timeshare article is linked at the end of this article explaining what to expect or not expect when you file with a regulatory or law enforcement agency.

Summary of Regulatory and Law Enforcement Agencies

  • Attorneys General where you signed, where you live and where the resort is domiciled. Search (state name) Attorney General for contact information. Most AG complaints can be filed online.
  • The Real Estate Division of the state where the agent is licensed if your complaint is against the agent. “Right-to- use” membership programs are not defined as real estate, but the agent is typically a licensed real estate agent.
  • The FBI under the IC3.gov portal if deceit or bait and switch.
  • ARDA if you feel ARDA’s code of ethics has been violated.
  • The media – the court of public opinion is often the only court available. Inside Timeshare, published in Spain, publishes timeshare articles online focusing primarily on the need for reform and oversight.
  • The Consumer Financial Protection Bureau under the mortgage option selecting the bank that issued the travel credit card or financed your loan.
  • The Federal Trade Commission – due to lack of secondary market
  • The Better Business Bureau
  • Lawmakers – The problem is the timeshare buyer typically does not buy in their state of residence which is why lawmakers don’t seem to take timeshare seriously. Still, any effort to contact lawmakers is encouraged.

If this sounds like a work, it is, but you can file with some, all, or none of the agencies. We feel “Action and Advocacy” is the way to change questionable timeshare business practices. Change requires volumes of complaints.

What to expect from regulatory agencies

http://insidetimeshare.com/chicken-soup-timeshares-soul/

Life without timeshare through “The 3Rs or F of Timeshare”

http://insidetimeshare.com/3-rs-timeshare-part-1/

If you are granted a positive outcome, you may not say or write anything disparaging about the resort, but there is no harm in staying involved. Reach out to others when you stay at resorts. Create a business card type flyer.

Who We Are and Why We Do This

working others

The timeshare industry is wealthy and powerful, able to influence politicians and Attorneys General. Timeshare owners typically are struggling with maintenance fees, unorganized and alone. Venting on complaint sites has no effect whatsoever.

There are a number of timeshare members and non-timeshare member advocates working behind the scenes to assist in the complaint process. If all else fails, we will refer to an attorney if the member can afford one. If you are forced into foreclosure, but have an otherwise unblemished credit report, you can write to the credit reporting agencies in an effort to explain why you were deceived and why you were not able to resolve your dispute.

After retiring from Edward Jones working as an Investment Representative, I worked three years as a CASA supervisor, writing and editing court reports for Family Court on behalf of foster children. I find two commonalities between children of abuse, neglect or dependency and deceptive timeshare sales.

  • The abnormal becomes the normal. After hearing 136 complaints (as of September 5), I fear deception is endorsed and encouraged by some timeshare companies. I have interviewed nine current and former timeshare sales agents and managers. They call it “pitching heat” or “No Heat, No Eat”. Of course not all sales agents are dishonest. We hear primarily from buyers seeking assistance when victimized by unscrupulous agents.
  • Victims are silenced and isolated via non-disclosure agreements. Non-disclosure is appropriate in the case of a settlement, but when a family receives nothing after an alleged bait and switch, after spending $5,000 to $500,000 or more on a vacation plan, not allowing the victim to say anything disparaging about the company seems harsh. Many of the families we have worked with are financially devastated.

There are many who use and enjoy their timeshare. My husband and I owned three timeshares for 25 years with no problems or complaints. After we attended a pathetically aggressive sales presentation in 2015, I began researching the industry, writing articles and assisting timeshare victims. I am not compensated by anyone. Our Advocacy Group is composed of volunteers. We hope there will come a day our Advocacy Group is not needed.

Self Help Groups

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

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

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

September 12, 2017 Irene Parker Timeshare Advocacy Group™  

Although this article is aimed at our American cousins, the principle of how it is written will be the same for Europe. If you believe your complaint is valid, don’t give up, that’s what they want you to do, be persistent, be strong and seek help, it is out there.

In Europe the EU has set up many consumer agencies, most EU countries have consumer rights groups and Consumer Affairs offices. In the UK there are several that you could use, one which has been very good in the past is the Trading Standards Office, these are set up by local councils and have a lot of clout. They have also been instrumental in having some rather shady companies closed down.

Then there is legal action, employing a law firm to take your case to court, in Spain over the past few years this has been very successful. Law 42/98 and the updated version Law 4/12, is based on the EU Timeshare Directives, which were put into place to protect consumers and regulate the industry. Spain now has the strongest timeshare regulations in Europe, these along with other civil consumer laws protect consumers from unfair practices and contracts. These have been strengthened over the past couple of years with around 57 rulings from the Supreme Court, Spain’s highest court, which has removed any doubt about their interpretation.

It now remains for other EU countries to do the same, so no matter where you purchase, the same protection is available. We may even just see a change in the industry for the better.

If you require any further information about this or any other article, contact Inside Timeshare and we will point you in the right direction.

Inside Timeshare also wants your stories,

good, bad or downright ugly,

so if you have something you would like to share or think will help others,

then

hear from you

 

monday start

Start the Week

Hope you all had a good weekend, we also hope that all our friends in Florida are safe with the hurricane Irma wreaking havoc. Irene and Don evacuated from Venice to Orlando to escape the storm, we hope to hear from her today, although she has kept busy with new articles for this week.

claimmoney

Back in July we reported on a series of police raids in the Velez MalagaTorre del Mar area, these centered on several companies: Halfmoon Holdings, Excalibur Sales & Marketing, Blue Chip and Rosedale Marketing, these were highlighted in the British press.

https://www.thesun.co.uk/news/3952419/dozens-arrested-over-timeshare-scam-that-saw-500-brits-conned-out-of-life-savings-in-multi-million-pound-costa-del-sol-racket/?utm_source=TWITTER&utm_medium=social&utm_campaign=SprnklrSUNOrganic&UTMX=Editorial%3ATheSun%3ATwImageandlink%3AStatement%3ANews

http://www.mirror.co.uk/news/uk-news/costa-del-sol-cops-uncover-10745713

At the time we did warn about new companies that were likely to surface with stories of being appointed to contact people about money being held by the courts to pay them back. Well as usual it is happening.

Reports have surfaced about one such company, Bias Claims Services, apparently based in Mijas, Malaga. The telephone number given does seem to point to this area +34 951 203 873.

gobierno

According to the caller the case is being heard on 17 November in Madrid, which does seem strange as the raids and arrests were in Malaga. Another wonderful piece of news for the hapless victims is that the Spanish Government is covering all the costs for their legal representation. Bias Claims Services will arrange all this for you, but this will be for a cost.

As Bias Claims Services do know you had dealings with those companies involved in the raids and arrests, it would be safe to say that your details have come from those companies records. More than likely ex-employees and office managers.

It is important that if any company contacts you with a similar story, do not believe it, do your checks first, the authorities would contact you via official channels, not employ a company to do so.

In tomorrow’s article Irene Parker explains how to file a complaint, all the main points you need to get right. It also goes to explain how advocacy works and who you should file the complaint with. In this week’s Friday’s Letter from America, we welcome back Michael Kosor to our pages, in this article: Timeshare and Asset Back Security Products. This is an article that will interest many, including us in Europe as it is not something we are familiar with. So join us on Friday.

If you have been contacted by any company with an offer or claim that looks too good to be true, remember to do your homework. If you are not sure how to check them out or if they are telling the truth, contact Inside Timeshare, we will point you in the right direction. Taking time to check will ultimately save you money.

homework

letter from america

Friday’s Letter from America

Here we are again, another Friday and another letter from America, yes, this week we are back with our cousins across the great lake. Irene Parker gives us another article in the series Nightmare on Timeshare Street. Irene and her Husband have evacuated from their coastal home due to Hurricane Irma, which is set to hit over the weekend, we hope that you all remain safe.

nightmare

Now on with some news from Europe, as we have shown in the past there are many types scams to rob you of your hard earned cash, this is the latest we have been informed about.

It begins with a telephone call supposedly from Her Majesty’s Revenue and Customs, from a Mr D Clarke, he informs the timeshare owner they have received from the Spanish courts several million pounds, which is to be divided up and paid to owners. In this case the lucky owner is to receive over £24,000, but as it is over the £10,000 limit the owner has to ring the number given and quote the supplied reference number.

The numbers supplied by our reader are 003460209896 which is a Spanish mobile number and 033558663 (the reader has missed out some numbers).

No doubt the next phase is when you do call, there will some “tax” that you need to pay first, once this is paid then you will get the money. Well, we have heard that one before!

hmrc

Firstly, HMRC will not make telephone calls or send emails, they will contact by post, they will also not be working for the Spanish courts to hand out “compensation” especially for timeshare. If you have employed a lawyer or law firm to take legal action in Spain, then once your case has been heard and the court awards you payment, this will be dealt with directly from the court. The court will pay you through a bank transfer direct to your account. They will not be sending it to HMRC or any other third party.

CLA have also published a letter from one of their Norwegian clients, in this case they purchased from Anfi 2 floating weeks in 2005, for around 34,000€. They explained that after 4 years they found what they had purchased was not for them, it wasn’t working in their interest. They also found out that it was difficult to get out of the contract, selling would not get them anywhere near what they paid.

They came across CLA who then took on their case, their case was heard at the Supreme Court, their contract was declared null & void on the basis of the illegality of the floating weeks and the taking of deposits within the cooling off period. Eventually, in June this year the awarded amount was transferred to their bank by the court. This does show that contrary to claims made by Anfi that no one gets paid out, clients do eventually get their money.

So, now on with our Friday’s article from Irene.

Triple Nightmares on Timeshare Street!

Diamond Resorts says Marjorie Menacker’s claim is without merit

Virginia Attorney General Mark Herring Closes Case

A Victory for the Oral Representation Clause

back hander

By Irene Parker

September 8, 2017

Marjorie, Ann and Marcia share their experience

Inside Timeshare has received 130 Diamond Resorts complaints from US members. The following three timeshare dream vacations nightmares are allegations, but with 119 out of 130 complaints alleging deceit and bait and switch, in our opinion, a compelling and compounding pattern seems to have developed.

As in any industry, the bad apples make things difficult for timeshare sales agents trying to compete honestly in a world where Master Closers earn $1 to $2 million a year working at sales centers that can book $10 million a month. I have interviewed nine former and current timeshare sales agents and managers who assure me “pitching heat” is endorsed and encouraged top down and industry wide by sales agents that hop from resort to resort as they make their way up the ranks.

https://www.nytimes.com/2016/11/25/business/my-soul-feels-taller-a-whistle-blowers-20-million-vindication.html?mcubz=3

This came as a shock to me. I built my business as a stockbroker, myself hopping from timeshare resort to resort in Hawaii, signing up timeshare sales agents for retirement and stock trading accounts. Back then many sales agents were independent contractors. “So we’re the units!” they would jokingly say. They were good people and one of those sales agents is still a close friend today. She too is shocked by the escalation in aggressive tactics, assigning buyers to a perpetual contract, often with no secondary market.

Today’s Triple Nightmare on Timeshare Street includes Marjorie, Marsha, and Ann. Marsha called me on the eve of what would been her 51st wedding anniversary, attempting to file a Mark Herring Virginia Attorney General complaint online. Marsha told me she was literally having Diamond Resort nightmares. All three direct their complaints against Diamond’s Virginia sales centers. Inside Timeshare has received twelve complaints against Virginia sales agent. Six of the members have reported a positive outcome feeling Diamond, after many rebuttals, listened and took appropriate action. Diamond Resorts Advocacy Department has resolved issues for a total of 31 out of a total of 74 formal complaints filed by our readers. Ann and Marjorie’s complaints are against the same Virginia sales agent.

Inside Timeshare has reached out to AG Herring and to Diamond Resorts for comment. To date they have not responded. Diamond has introduced a program called CLARITY ™ which they say offers transparency, accountability and respect for members.

I will call the following nightmares allegations, but Marjorie, Ann and Marsha would argue this is what really happened. Ann and Marsha have asked not to be identified, but they want to show Marjorie their support, having experienced up-sells similar to what Marjorie alleges.

3 women

Marjorie’s story

Elle and I purchased an additional 6000 Diamond points December 26, 2015 having been told about an exciting one day promotion if we purchased that day. The sales agents said we would not have to pay maintenance fees for 2016 or beyond. We had been struggling to keep up with rising fees as a result of medical expenses. Our contract lists a William Humphries as our sales agent, although we spoke to Brian and his supervisor Jeff at Diamond’s Greensprings Plantation Resort. We were encouraged to open two Diamond Barclaycards to finance the purchase. The finance rate is 25.74%.

The  sales presentation was very high pressure. We repeatedly stated that we could not afford anything that would require a loan, and did not like the difficulty we encountered finding availability. Maintenance fees were rising faster than we expected.

Brian repeatedly assured us that if we took advantage of the promotion offered that day, we would not have to worry about any maintenance fees ever again. He illustrated in chart form on paper how this program would save us money by trading in part of our total points each year. He said the remaining points would actually get “treated as double points.”

We were told this promotion would have been offered to us had we participated in dinner meeting offers over the previous year. I’ve learned almost all Diamond presentations begin with, “You should have been invited to a dinner meeting.” Out of our sight, Brian obtained special permission from his supervisor Jeff to extend the offer only for the day (12/26/2015).

http://insidetimeshare.com/another-nightmare-timeshare-street-client-experience-diamond/

Ann S

First, last January, when meeting with Brian Humphries at an ‘Owner Update’ in Virginia, we were told FLAT OUT  that if we bought 7500 more points we would now be part of an ‘ELITE’ group of Platinum owners who are credited 30 CENTS PER POINT when ‘recycling’ annual points back to Diamond so that Diamond can bring in potential owners. We were told that the conversion at 30 cents per point would be more than enough with all our points to pay our annual fees and still have points on which to travel. We restated the claim back to Brian several times to make sure we understood correctly. Brian now denies that he made any such promise. When I called Diamond and even the Platinum Department no one had ever heard of such a program and kept referring us back to Brian. He had even told us “When you get your bill and it’s time to pay your maintenance fees just contact me and I’ll explain how you do this.”  We would NEVER have purchased that day had that not been our understanding. But then nothing was ever given to us in writing (they even somehow took our personal notes from us and did not return them) and repeated emails and phone requests only ended in denials or flat out ignoring of our questions. After hearing what happened to Marjorie, I will be filing a complaint with the Virginia Attorney General’s office.

Marsha Y

I only purchased additional points because the sales agents at Diamond’s Powhatan Resort in Williamsburg said the maintenance costs would go down if I purchased more points. I have since learned this was not true. I had told the agents I could not afford the rising maintenance fees. I was also not told a $7,100 charge would be charged to a Barclay card for a down payment. The same thing happened in Hawaii. I was not told a Barclay card was being opened to charge a Sampler. I later learned the agent in Hawaii was later fired for this.

The hospitality agent in Williamsburg, when I told her about how I had been deceived previously, told me she understood and that is why sales were stopped at the Williamsburg center for a while until the CLARITY ™ program was put in place. Still, when I attended the Williamsburg presentation, I was charged $7,100 on a Barclaycard without my knowledge.

My husband (now deceased) and I originally owned three deeded weeks. We had no complaints about the agents that sold us those weeks. Up until this point, what I owned was within my budget. The additional charges have caused a great hardship. I am a widow on a teacher’s pension. The actions of these agents have taken away my financial security. I feel trapped. My credit score has dropped from over 800 to the 700s. I had no intention to buy points as it is not as easy or enjoyable to travel without my husband. I can still travel with friends and would be able to remain a Diamond customer if I would be returned to Silver status.

Will the timeshare industry ever admit to deception on the front end of the timeshare sale? Are these customers really not to be believed, along with so many other identical complaints? All three attended the presentations with their families and are adamant what they heard was what they were told.

The following Facebook pages consist of members helping members. Contact Inside Timeshare or join with others members working towards reform if you have a timeshare story, positive or negative, to share, or need help with a timeshare concern. After this Attorney General’s ruling, it really does seem the only court available is the court of public opinion. We posted below “Do you know your Consumer Rights?” Are there any Consumer Rights?

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

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

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

consumer rights 1

Thank you Irene, Marjorie, Ann and Marcia for your contribution to this week’s article, as you can see, timeshare can become a nightmare, it all sounds so great in the presentation.

It just leaves us to say have a good weekend, and for those of you in the path of Irma, stay safe.

weekend cat

airplane

The Tuesday Slot

Today Irene Parker calls on our readers in the US to join Inside Timeshare for a get together in Orlando, but first a little of the news in Europe.

It would seem that the TCA and TESS are sniping at each other again, this time it is the TCA having a little dig at TESS. For a change it is actually pretty well written, it also does put quite a bit of doubt about the claims that TESS make.

They publish a letter that TESS is sending to their clients, in this they mention the Spanish Supreme Court rulings. But as usual it seems TESS can’t get their facts right, they say that the “newly issued Supreme Court ruling, which came out of Spain in late 2016 early 2017”, which as we know is not correct, the first ruling was issued in March 2015.

The TCA also question the number of cases TESS have running, including the claim that every case “presented to trial has won”. We must concur with the TCA on this one, we have seen no evidence of TESS having won any cases at trial regarding timeshare, especially in Spain. We can say with all honesty that there are only two firms who have actually had any success that we know of.

It must also be remembered that Mr David Cox of TESS did own the TCA, with his company TESS even taking on Mark Rowe’s clients. We also know their has been a massive falling out between the two, with both sides publishing scathing attacks on each other. For those sitting on the sidelines it has been quite enjoyable.

During our usual searches on the internet, we also came across the following website “the David Cox Story”.

http://www.tess-timeshare.com/

The author has remained anonymous, his research is very extensive and he certainly doesn’t pull any punches. It does also shed a new light on the relationship between TCA and TESS, it also makes you wonder who the author is?

anfi ariel view

We have also been looking at the ANFI DEL MAR Public Group Facebook page, in a post and discussion started on 29 August, all does not seem well amongst the members. The post related the dire state of the accommodation, how it is falling way behind what it was when these members joined.

The complaints are also about the furniture with one member stating that the bed settee “was not fit for purpose”. This same post also complained about the bed covers curtains and furniture still the same as when the upgraded in 2007, that it is shabby and past its sell by date.

Other comments also included having to call out maintenance on several occasions for various things including a broken down jacuzzi, including falls due to slipping on leaking water. Another commentator told of water damaged kitchen cupboards, including a balcony door falling out.

So what is happening to this once wonderful resort?

We leave you to decide the answer to that little conundrum.

Now on with Irene’s little piece.

Meet Inside Timeshare in Orlando for a Meeting/Party

Heres news

Meet Charles Thomas and Lisa Ann Schreier October 11, 2017 in Orlando  

September 5, 2017

By Irene Parker

There has never been a time when the need for Advocacy in the timeshare industry has been so apparent. The evolution from fixed deeded timeshare to sometimes confusing and convoluted points programs, consumers buy in a same day sale, often after an hour’s long sales session, leaves many buyers bewildered and sometimes shocked when the product purchased doesn’t meet the product promised.

Charles Thomas will travel from Canary Islands, Spain, to join us in America as Lisa Ann Schreier and I show Charles what Orlando has to offer, and hopefully gather as many timeshare members as we can to attend an informational meeting/party October 11th.  Grassroots as always, bring your own food and beverages. Charles will be in Orlando for the week, so if you are available from October 7 to October 12, let us know. This will give us an idea on how to plan.

Charles describes himself as a former timeshare sales agent who wasn’t very good at it, refusing to give into high pressure or deception. Charles is British of Maltese descent. After a beer or two you might get Charles to talk about his family tree that dates back to William the Conqueror 1068.

 Lisa Ann Schreier is “The Timeshare Crusader.” She has been teaching and helping timeshare members since 2004.

The Timeshare Crusader is dedicated to helping consumers navigate through the myriad of confusing timeshare information as well as working with forward thinking organizations to be a catalyst for positive change. Lisa Ann is the creative force behind International Timeshare Appreciation Day, held annually on November 1, so perfect timing for a preliminary kick-off.

Lisa is author of two bestselling books, “Surviving a Timeshare Presentation…Confessions from the Sales Table” and “Timeshare Vacations for Dummies.” She also co-authored the college-level textbook, “An Introduction to Vacation Ownership Management.”

Lisa Ann’s Blog can be accessed at

http://thetimesharecrusader.blogspot.com

A little bit about Lisa Ann Schreier

Lisa Ann served as the Director of Member Services for the National Timeshare Owners Association from 2013 to January 2017. Prior to NTOA she served as Director of Communications for Celebration World Resort and most importantly, understands the industry from the inside out having worked in timeshare sales and sales management for several Orlando resorts.

Lisa Ann’s passion for the timeshare industry and the rights of the consumer fits like a hand to glove with the mission of Inside Timeshare:

Our mission is to provide you news surrounding the timeshare industry, providing you with the information and tools to make informed decisions about the companies you may wish to deal with.

Then there is me. I call myself The Peasant of Venice antithesis to The Queen of timeshare Versailles because I live in Venice and have devoted full time volunteer hours to help timeshare members, alleging they were deceived by bait and switch, prepare their request for refund, relinquishment or loan cancellation. I rely on Lisa Ann and her expertise along with several other timeshare insider advocates working behind the scenes as the member and I work toward timeshare freedom, if that is their goal.

Hat’s off also to Irene Allen and the admins of advocacy Facebook groups working towards timeshare reform. Social Media has indeed enhanced the ability for members to contact other members to share experiences and concerns.

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.facebook.com/timeshareadvocategroup/

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

Join us in Orlando if you can. I have met with several of our Facebook members at resorts throughout the country. There’s nothing like meeting someone you already consider a friend face to face. Remember to contact Charles at Inside Timeshare, Lisa Ann or me if you are able to hook up with us.

party time

Thank you Irene, I am certainly looking forward to meeting you all and visiting Orlando, see you all soon.