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Irene Parker

Friday’s Letter from America

Welcome to another Letter from America, the original article which was going to be published today has been replaced, this is due to the timeshare company reaching out to the members. As always, Inside Timeshare sends a draft copy to the timeshare company for comment, we do not always get a response, but on this occasion the company did respond. It may have been at the eleventh hour, but we congratulate the timeshare company concerned for their reaching out and we hope that they are able to resolve the matter.

As a last minute replacement we publish a revised version of The Peasant of Venice and the Queen of Versailles, by Irene Parker, originally published in November 2016.

This week has been a rather quiet one as far as the courts are concerned, there have been many cases going before the judges, but the sentences are unlikely to be announced until the New Year. Although we did get news of two sentences issued this week.

The first was from the Court of First Instance No4 in Maspalomas, Gran Canaria, the judge in this case declared the contract with Anfi null and void. The reason was the length of the contract which exceeded that allowed by Spanish Timeshare Law 42/98, which states that perpetuity contracts or contracts with no end date and exceed the 50 years maximum are illegal. The client in this case has been refunded over 61,000€ plus legal Interest.

At the High Court No4 in Tenerife, Silverpoint was on the receiving end. The contract was declared null and void as it did not include any tangible product. Again under Law 42/98, a timeshare must include specific information such as a set apartment or an exact time of year. The client in this case has been refunded over 10,000€ plus legal interest.

Once again these cases were brought on behalf of the clients by Canarian Legal Alliance, contrary to what some forums run by some very dubious characters will tell you, these are genuine cases and are a matter of public record.

     

Now for this week’s replacement article.

The Peasant of Venice and the Queen of Versailles Revisited

    Jackie Siegel, Queen of Versailles  

By Irene Parker

December 14, 2018

“The Peasant of Venice and Queen of Versailles” article was first published November 6, 2016. I wrote the article because I wanted to explain how I went from being a 30 plus year timeshare owner without a timeshare complaint, question or post, to a full time volunteer whistleblower.

In July of 2015 I experienced a pathetically aggressive timeshare sales presentation in Florida. We had previously purchased points in Virginia because the company said they were adding New York properties, only to learn it would take about $10,000 in equivalent maintenance fee dollars to stay at the same hotel, same week that could be booked online for $1,000 plus tax. When I checked December 1, 2018, it would have cost $12,000 using our timeshare points. I don’t blame the sales agent. He may not have known about the poor value. It was the response from the company to the Attorney General listing all the times we had used our points prior to that purchase that bothered me. Eventually I was offered our money back for that purchase, but could not bring myself to sign the non-disclosure agreement.       

Rosa Parks said, “I was just trying to get home from work.” In my case, we were trying to get to our new home, moving from Bowling Green, Kentucky to Venice, Florida. It was my intention to return to my first love – teaching piano lessons. That all changed after the revolting timeshare presentation we experienced in Florida.  Disgusted, I returned to our unit, turned on the television and witnessed the jaw dropping house pictured above, being built by Westgate timeshare owners Jackie and David Siegel. I could not resist.

It was a hot July summer day in Orlando when my retirement turned upside down.

We entered the hospitality area where we were invited to attend a 55 minute “information only” presentation for existing owners. “Will we be paired with a commissioned sales agent?” I asked three times. “No”, Julie replied, “Only if you have questions in the last ten minutes. I attended and I learned a lot! We have group presentations now because we had so many complaints about high pressure aggressive sales sessions.” We did not sign the form agreeing to the 55 minute meeting because the fine print said we would be robo-called if we did. We were robo-called anyway. There was no form to be signed for the three hours that followed the 55 minutes.

A Diamond Resorts member recently sent me this comment from a former Diamond concierge describing an unfair and deceptive practice:

Concierge (Former Employee) – Virginia Beach, VA 23451 – December 3, 2018

A typical day of work consisted of misleading current owners and their guests in order to persuade and entice them to attend a timeshare meeting that could last well over what was initially disclosed….The hardest part of this job was knowing I was intentionally misleading owners/guests of the length of time for their timeshare meeting, as well as not disclosing it as a timeshare meeting as instead it was mandatory we refer to it as simply an “update on their current status” or “ways you can stay here and affiliated businesses in the future”. The most enjoyable part of this job was the interaction with varying people and the connections I gained therein.

https://www.indeed.com/cmp/Diamond-Resorts-International/reviews

Our Nightmare on Timeshare Street begins:

The next day we entered the reception area to be greeted by an attractive young lady. “Hello,” Donna greeted us. “Are you a commissioned agent?” I asked.  Puzzled, she took us by the arm and escorted us to the 55 minute presentation, retrieved us immediately after, and led us to her den.

I told Donna, “My husband is 77 years old. We do not want to invest in vacation plans because we need to investigate long term care plans.” “Why, we have many in their 90’s who come and enjoy our resorts!” she cried. “But we are in the middle of building a house and have no permanent residence at this time,” I countered. Kneeling and looking up, she gazed into my eyes and confessed she was a single mother and had to resort to her Diamond points when she divorced. “I know you didn’t put all your money in that house though,” she added. I kept saying over and over, “We don’t want to travel. We like our new house.” Frustrated, the manager ended by advising me to go to the website if I want to find out what’s new. Three hours and three sales agents and managers later, we returned to our unit.

I checked my email and learned the 4,500 points we had been promised for our Port Elsewhere Ozark timeshare deposit was credited only 3,000 points. Sure enough, I learned later the 4,500 points promised could be changed at any time for any reason. It’s all in the fine print.

I then decided to take my mind off this disturbing revelation by watching television. I turned on the FOX news show Property Man show hosted by Las Vegas Attorney Bob Massi, and there she was – The Queen! The King and Queen of Westgate timeshare were building a 90,000 square foot home that defied the imagination. Jackie’s clothes closet is 5,500 square feet!

http://www.realtor.com/news/trends/queen-of-versailles-q-and-a/

Thinking about the pathetically aggressive timeshare sales presentation we were deceived into attending, and the worthless points specifically purchased to stay in New York City, I wrote to Mr. Massi at Property Man never dreaming I would earn a response. Copying the letter to Diamond customer service, they credited the correct amount promised for our Port Elsewhere week.

A few months later a FOX producer called. I was asked if I would be willing to be interviewed by Mr. Massi. The producer told me the Queen of Versailles show wasn’t even about timeshares. It was about their house, but FOX had been flooded with timeshare complaints. She said I was the only viewer they asked to interview because I was the only respondent who said I wanted to talk about the positives in addition to the negatives of timeshare. I told her I was sorry, but I had just accepted a position as interim music director for a large church and could not participate, but I offered to research timeshare to help them with their talking points.

I started digging. The deeper I dug, the more alarmed I became. Wyndham, Westgate, Bluegreen and Diamond seemed to have the most complaints, with Disney, Hilton and Marriott far fewer. I submitted my research to FOX and returned to the choir. Six months later, after arranging a flight to Phoenix to stay at  a Diamond resort in Sedona, I received a call from the FOX producer, asking if we would agree to be interviewed by Mr. Massi in Phoenix as they had interviews scheduled that weekend. Some things are meant to happen.

The FOX producer told me David Cortese of Magical Realty had also been interviewed by Mr. Massi about timeshare resales. David is a member of the Licensed Timeshare Resale Broker Association (LTRBA). After viewing David’s segment, I contacted him to see if he would sell our Diamond points. I was told their company would not accept a listing to sell Diamond points. I surveyed all 64 LTRBA members and 22 responded also saying they felt Diamond points were worthless on the secondary market. “We feel Diamond has placed too many restrictions on the use of secondary points to be of any value to a buyer,” they sadly explained.

One of the LTRBA members asked if I would speak with a Hispanic family. Since this first October 2016 complaint, the calls and emails have not stopped. I have heard from 646 timeshare members.

Timeshare members want straight answers but straight answers are in short supply at some timeshare customer service desks. Callers or emailers explain how a sales agent lied to them, but when they contacted the timeshare company they were told, “You signed a contract.” Some described how the rescission period was dodged. Some things, like over promised availability, can’t be determined by reading the contract. I feel I was deceived by reading the contract which stated, “You can sell your points but we will not assist you.” They left out the part about no buyers.

From the October 2016 article describing what happened to the Hispanic family:

Maintenance fees increased to the point where they could no longer afford to own their points. The family soon found that they had to charge maintenance fees to their credit card in order to pay them. The family had already taken out a $33,000 home equity loan from their credit union to reduce the high loan interest rate, typically 14% to 18%.

In August 2015, when they complained about maintenance fees, they said that a sales agent tried to convince them to purchase another 10,000 points in order to achieve Platinum level. He said that by being Platinum, it would allow the couple to pay their maintenance fees with their points, as only Platinum members are allowed to use their points to pay maintenance fees. Then and now Platinum members can pay maintenance fees at $.04 per point, so if all 50,000 points were tendered, it would pay $2,000 towards a 2018 $8,631 maintenance fee bill.

If the family had agreed to the additional 10,000 points, they would have gone further into debt with little recourse. Based on hundreds of reported responses, if they had purchased the points, they would have been told, “You signed a contract” or “We are not responsible for what our sales agents say.” They have a daughter who just graduated from high school and has started college.

I spoke to the family not long ago. They relinquished their $60,000 worth of points that they had accumulated. They are still paying off the home equity loan.

Contact a member of the Licensed Timeshare Resale Broker Association to find out if your timeshare has resale value.

Property Man was preempted due to the 2016 election coverage, so our segment aired April of 2017. The Florida DBPR timeshare division only acted on 110 out of 2,360 timeshare complaints from April 2012 to April 2014, so ignore Pam Bondi.  Bob Massi and his advice on timeshare resales:

https://www.facebook.com/RealBobMassi/videos/1041694629230338/

From FOX I stumbled onto Jim Cramer of Mad Money’s investment news service TheStreet, where remarkable editors, possessing the patience of Job, provided a crash course in editing.

https://www.thestreet.com/author/1684637/irene-parker/all.html

A member who submitted an article to Inside Timeshare introduced me to Whistleblowers of America https://whistleblowersofamerica.org/. Accepting an invitation to attend a Whistleblowers Summit in Washington DC this year, I was introduced to OpEd News:

https://www.opednews.com/articles/Witness-to-Las-Vegas-Octo-by-Irene-Parker-America-181030-359.html

And of course, there’s Charles Thomas at Inside Timeshare in Spain and Wayne Robinson in Malaysia and Wayne’s book.  I was honored to edit and write the Forward. Everything About Timeshare, Before. During and After the Sale

https://www.barnesandnoble.com/w/everything-about-timeshares-wayne-c-robinson/1129749757?ean=2940161600962

So all in all, I’m getting great value from my timeshare points measured in the people I’ve met, readers who read my articles, and the gratitude from members who are grateful for straight answers. We especially appreciate our Facebook administrators and our growing team of members helping other members. I do believe we are a disruptor and hope our efforts will benefit sales agents who sell the product honestly, as well as forestalling new buyers and existing members from making a decision that has financially devastated more than a few families. When sold honestly, timeshare provides years of fun for friends and family.

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene for getting this article out to us so quickly, it is difficult to replace an article at such short notice, but at least the timeshare company did respond and for that Inside Timeshare was happy to replace the original one.

That’s it for this week, join us again next week our last one before Christmas.

To all our readers have a great weekend and remember to do your homework before engaging with any company that contacts you or that you have found on the internet.

More Fake Procurators Identified

Tomorrow we will be publishing another “Nightmare on Timeshare Street”, by another Agent Orange Disabled Veteran, David Althage, who is being forced into a Timeshare Foreclosure, The article has been edited by Irene Parker.

Moving on, Mindtimeshare has shared new information on yet more “Fake Procurators” working alongside the “Fake Law Firms” which we have dubbed The Litigious Abogados Family. As our regular readers will know this plethora of “fake lawyers” has been running for around 3 years, every few months they change name and websites, yet all the websites are identical. All money they require from “clients” has to be paid to a Procurador, and there have been many of these surfacing.

The first is named as Carlos Gregorio Ingramo, very similar to one we named on 31 July CARLOS RIHOM IGRAIM and another on 11 December, Carlos Gabriel Salva Imgran, must admit they are very creative with the names they use.

Carlos Ingramo has a website

http://procuradores-ingramo.com/

Registered on 19 November 2018 and set to expire on 19 November 2019, so very new indeed. Once again the registrant is hidden so we have no idea who it is.

They show no telephone number but do have an email address: [email protected]

The address they show on the website is totally false and cannot be found on any maps search of Tenerife:

Calle Delmante 8, Edificio Kaleta, 202C, 38001, Santa Cruz Tenerife

The second “Fake Procurador” is named as Miguel Earas Raya, with the website:

http://procuradores-raya.com

Registered on 19 November 2018, due to expire on 19 November 2019, and yes you guessed it, the registrant is hidden.

No Telephone number but an email address:

[email protected]

The postal address is:

Calle Alamo 6, Edificio Watama, 161C, 38002, Santa Cruz, Tenerife.

Which again is fake and cannot be found on any internet map search.

The third one today is, Abel Deraza Tabreul, with the website

http://procuradores-tabreul.com

Registered on 26 October 2018 and due to expire 26 October 2019, once again registrant is hidden.

No telephone number is shown, but the email address is:

[email protected]

As with all these email addresses they are not linked to the websites, but are free email address providers.

The address given on the website is:

Calle Delatar 6, Pulgadas, Edificio Estresha, 403, 38001, Santa Cruz

Another fake address that cannot be found on any map!

All these are “FAKE”, they do not exist, somehow they have been able to set up bank accounts for you the unsuspecting client to pay in your hard earned cash.

If you are contacted by any of the “fake lawyers” or “fake Procurators” that we have highlighted in previous articles, then contact Inside Timeshare and let us know as much detail as possible.

To check all articles we have published, use Litigious Abogados in the search box, this will bring up all articles published, beware there are a lot of them.

Want to know if any “lawyers”, “claims companies”, “procurators” or any company that contacts you is genuine, use our contact page and gives us as much information as you have, we will then do the relevant checks and let you know if they are genuine or fake.

Remember, doing your homework is essential, there are many more “fake and scam” companies out there, with many more emerging each week. We need your information to identify them and warn others.

Join us tomorrow for our weekly Letter from America and another “Nightmare on Timeshare Street”

The Tuesday Slot

Welcome to our Tuesday Slot, this weeks article by Irene Parker looks at a possible “Special Assessment” which may be levied against Diamond Hawaii Collection members and something she terms as the “Ping Pong Up-sell”. This is something we have heard about from readers on numerous occasions.

After our article yesterday on the “Fake” Procuradur and Lawyers, Inside Timeshare has already had several emails from readers who have thanked us for bringing this to their attention, they had been contacted by the “fake” firms mentioned and were almost taken in by them. Thankfully they decided to do a search on the internet and found previous articles as well as the one published yesterday.

This really does go to show how cautious you have to be when being contacted about your timeshare, the “pitch” is always very convincing and plays on the fact you will get back thousands. For many of these owners this is very tempting, as they tend to be elderly and can no longer afford the maintenance fees or even be able to travel.

Now on with this weeks article.

Beach Erosion in Hawaii and The Ping Pong Up-sell

By Irene Parker

December 11, 2018

I read a RedWeek post last week written by a Diamond Resorts member asking about a $6,000 special assessment they were told was to be levied against Diamond’s Hawaii Collection in 2020 due to beach erosion. Diamond sells their points as Collections, so there is a U.S. Collection, a Hawaii Collection, and a few others. The RedWeek post:

Has anyone heard of an upcoming assessment to repair the beach erosion? I recently attended an update meeting and was encouraged to get out of the Hawaiian collection. I was told that in 2020 owners will be charged an assessment to repair the beach erosion. My assessment was estimated to be around $6,000.

The poster apparently was attending a presentation on the U.S. mainland, because the sales agent told her she should not have purchased Hawaii Collection points due to the anticipated levy of a $6,000 special assessment.

As I was reading the post, my phone rang. Coincidentally the caller happened to be an ocean engineer who called because he was concerned that his elderly parents had purchased timeshare points, told if they did not give up their deeded timeshare with another company and buy points, their heirs would be responsible for the timeshare. This is a common complaint and almost always not true, but beyond the scope of this article. A recent article entitled the Heir Scare, our Halloween edition:

http://insidetimeshare.com/fridays-letter-from-america-27/

The ocean engineer’s professional opinion:

My suggestion would be to ask Diamond for documentation to support the additional charges. For instance, it is reasonable to ask if the funding is for future flood protection that might be afforded by a beach nourishment project. Alternatively, inquire if the money might be required to pay for damage that has already occurred to structures or to restore a previously eroded beach.  If the assessment is intended for a beach nourishment project, it is likely that arrangements are in place for cost sharing between local stakeholders and government entities. Participation by a state or federal agency is an opportunity for those impacted by the additional billing to independently verify the project cost. The cost and scope of government efforts are a matter of public record, and learning the particulars is typically as easy as calling the project managers. If difficulties are encountered, the public has recourse in filing either federal or state Freedom of Information Inquiries.

In addition, 2020 is too far out to predict with any sort of fidelity. Concrete financial planning numbers at this stage are unlikely. There is an effort to have cost sharing between stakeholders and the federal entities. I have not heard of a federal project in Hawaii. It could be state, but most major beach nourishment projects are underwritten in part by the federal government. I have not heard of a state paying for damages from a flood.  The member needs to know what the assessment is for, in more detail than just beach erosion. Is it for protection or for damage that has already occurred? One is flood damage expense, the other is flood protection afforded by beach nourishment projects.

As I understand it “water intrusion” would be the responsibility of the timeshare developer, as water entered the property. Beach erosion is a natural, or some say a climate change generated phenomena, with the responsibility most likely in the hands of the federal government, but possibly the state.

This switch from one Collection to another is a common complaint. It’s been reported so frequently I have termed it “The Ping Pong Up-sell.” Numerous members have reported that they were told they should have not purchased U.S. or Hawaii Collection points, depending on which side of the Pacific they are sitting. We have categorized about 400 of the over 500 complaints.

One former Diamond member reported that her Virginia Diamond sales agent showed them pictures of decaying Hawaii air-conditioners as the reason they needed to switch to the US Collection from the Hawaii Collection.  

Roy Simmons and his wife are in the painful and demeaning timeshare foreclosure process. Mr. Simmons is a Navy veteran, living on a letter carrier’s pension. Mr. Simmons switched back and forth from the U.S. to the Hawaii Collection, ending up with $2,700 a month in Diamond loan payments. In his YouTube, which has had over 2,000 views, Mr. Simmons explains the reasons why he switched from:

  1. The U.S. Collection to the Hawaii Collection, then
  2. About six months later after this switch, Mr. Simmons switched from the Hawaii Collection to the U.S. Collection. According to Mr. Simmons, the Florida sales agent asked, “Why Hawaii?” The sales agent said the interest on their loan payments should be about $200 to $300 less in the U.S. Collection because Hawaii has hurricanes, and in the past, damage from the hurricanes had been expensed to members. He said they might have to pay thousands in special assessments.
  3. About six months after that, they traveled to Hawaii and were asked, “Why U.S. Collection?” “It was true the interest on our loan payments did not decrease by $200 to $300 a month, only $20 to $30 per month, and because we purchased more points, we ended up with $2,700 a month in loan payments. We always enjoyed our Diamond points,” said Mr. Simmons.

Mr. Simmons’ YouTube:

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

Diamond’s Kauai Poipu Resort did experience water intrusion damage in 2012, which prompted a lawsuit filed by owners.

https://www.tripadvisor.com/ShowTopic-g60625-i1817-k5926954-Settlement_Reached_Between_Diamond_Point_at_Poipu_Owners-Poipu_Kauai_Hawaii.html

I asked attorney Mike Finn his opinion concerning special assessments of this nature:

I essentially agree with your engineer’s comments. The owners would be called upon for a special assessment if it was a water intrusion issue, as it would be assessed to them by the property owners association.

The legal issue regarding Poipu Point was the obvious mismanagement from the association’s management company in failing to prevent the water intrusion and/or failing to remedy the situation once it was discovered. The management company failed in its duty to pursue the insurance claim as well, perhaps realizing that their poor maintenance was probably the source of the problem and that was not covered by insurance.

As to the association’s responsibility for beach erosion, that would be quite a stretch and should be challenged by any board members not in the pocket of the developer. Maintenance of the beach should not be an association issue. That sounds like a salesman’s scare tactic.

As always, Inside Timeshare knows there are many Diamond timeshare sales agents that sell the product properly, and we hope the company will consider that Mr. Simmons may be telling the truth. We hear from senior after senior, contemplating foreclosure. I have listened to many tears.

Self-help timeshare groups we feel are not industry influenced and our mission statement:

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene and also a big thanks to attorney Mike Finn for your contribution, we are sure that this article will be of great interest to many Diamond Members.

If you have any comments or wish to contribute an article, then contact Inside Timeshare, we would love to share them with our readers worldwide.

Have you been contacted by a so-called law firm or claims company with a story that your timeshare company has been or is being taken to court?

Have you been told that your name is on a list of creditors owed money which the court is holding, due to a purchase you made years ago?

If so, then use our contact page and let us know, be safe rather than sorry, get the facts before you pay any money. Do your homework, you know it makes sense.

The Tuesday Slot

Welcome to The Tuesday Slot, our scheduled article has been withdrawn, this is due to the timeshare company reaching out to the family concerned at the last minute. Obviously we at Inside Timeshare are pleased with this, it is just a shame that other timeshare companies do not do the same. In its place Irene Parker has drafted a last minute article on the same theme of No Secondary Market.

Following on from yesterday’s article on fake law firms, we have been informed of a Fake Notary calling clients who have claims going through the courts, this is highly disturbing as the calls are definitely in breach of data protection.

The caller going by the name of Louise Fisher with a broad Irish accent has contacted these clients claiming to be either from Anfi Accounts, Silverpoint and European Notary Office. In the call Louise seems to have some very sensitive information which they should not be in possession of.

In several of the calls she states that they are aware the client has a case pending in court and the timeshare company has offered an out of court settlement involving thousands of pounds. In order to have this money paid a substantial amount has first to be paid into the account of a named individual for administration purposes.

This appears to be the same outfit that we highlighted in several article earlier in the year, the name used at that time was Abogados Lopez, the callers were Hope Brugge, Megan Heywood and Paul Tyler.

This is “FRAUD”, if you receive a call from the Irish Louise Fisher or anybody else with a similar story, check with your lawyers first, do not be taken in by the huge sums they are quoting, do not pay them any money. If you have had a case in court or an out of court settlement is reached it will be from you own lawyers with an email address you will recognise or even a name you are familiar with.

Now for this weeks article.

The Disaster of NO SECONDARY MARKET for Timeshare Buyers vs the Benefits of NO SECONDARY MARKET for Timeshare Stock Market Investors

By Irene Parker

December 4, 2018

Quote from a timeshare member

The reality is that we have ended up in the seemingly inescapable grip of a timeshare industry that tightens, little by little, like a Boa Constrictor, until families are stressed out, broke and/or facing foreclosure.

The following quote is from Mr. Scott Miller, founder of Greenhaven Road Capital, promoting the benefit of no secondary market as a reason to buy stock or invest in a timeshare company, Latticework, May 18, 2016

There are a few websites and specialized brokers in timeshare hotbeds like Maui, but timeshares are hard to sell in general, and when they do sell, it is often at a very significant discount to the original price paid. In summary, customers experience a reasonable value proposition tempered by the lack of a secondary market.

The secondary market has undoubtedly had its growth stunted because the absence of the market creates an opportunity for the timeshare companies.

For example, a timeshare interest that would sell for $25,000 can often be purchased by the company for $3,000 in back maintenance fees. A robust secondary market would clearly yield higher resale values.

This low-cost source of inventory does come at the expense of those who no longer value their timeshare, but is beneficial for the company since it improves the margins and lowers the capital intensity of the business.

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

We have heard from 617 timeshare members. For the most part, the only court open has been the court of public opinion. I am sickened by family after family contacting me, widows, disabled veterans and active duty service members, those with top security clearances in jeopardy, driven into likely foreclosure, like Elaine describes in Friday’s article:

http://insidetimeshare.com/fridays-letter-from-america-32/

The article scheduled for today has been postponed, hopefully to be scrapped, as the timeshare company has reached out to the member that wrote the first quote above from their article. The timeshare member also wrote the following.

I have read so many horrific stories about timeshares on this blog that it makes me sick to my stomach. So much so, that I hesitated to even submit our story because of so many people in a much worse situation. I didn’t want to come across like a cry baby. However, it occurred to me, that the majority of timeshare members, held hostage by no secondary market, probably don’t have a major tragedy or illness of some sort. Sick babies, disabled combat veterans, seniors driven to foreclosure in their 70s and 80s, make for interesting reading.  I am in total empathy with those suffering hardship, but my point is – that it is not right for your ordinary everyday citizen either.

There are thousands of hard-working citizens in the same boat, driven into foreclosure because we have no choice. Who would buy a boat, car, or house you could not sell? How can the timeshare industry not recognize that this can’t continue forever without the public becoming aware of this manipulated and restricted secondary market? We all have networks of friends and family listening to how we have found ourselves timeshare trapped.

The majority of people seeking release from timeshare contracts are probably just like us; regular, hardworking people who simply wanted a vacation to look forward to and enjoy when they signed their contract. The reality is that we have ended up in the seemingly inescapable grip of a timeshare industry that tightens, little by little, like a Boa Constrictor, until families are stressed out, broke and/or facing foreclosure.

We are waking up to the realization that what was sold to us as an “asset” is a liability even the timeshare companies don’t want. We are dragged through the demeaning and demoralizing foreclosure process, because a timeshare is an albatross you can’t get rid of.  At least we have a forum to warn the general public – why buy anything you can’t get rid of? If people knew this, who in their right mind would ever buy a timeshare?

If you spent $25,000 to over $500,000 for a timeshare, in all likelihood the timeshare is worth nothing, even just one minute after the state’s contract rescission period.

Something needs to change in the timeshare industry

While timeshares often ruin the credit of hard-working citizens, timeshare sales agents, managers, executives and investors make billions – spinning the hamster wheel of recycled weeks and points.

Inside Timeshare has heard from many honest current and former timeshare sales agents, employees, managers and executives who are well aware of the unfair and deceptive sales practices, also harmed by the actions of the predators. There are thousands of complaints filed with the Better Business Bureau, Trust Pilot, Attorneys General, and lawsuits galore. Who is the finger pointed at – Me a messenger. The finger should be pointed at the Perpetrator.

A quote by Anthony “Tony” de Mello (4 September 1931 – 2 June 1987), an Indian Jesuit priest and psychotherapist, a spiritual teacher, writer, and public speaker  

   I am pointing to the moon and you are staring at the end of my finger!

Self-help timeshare groups and our mission:

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene for your last minute revision, it may have upset your plans yesterday but at least it was for a good reason, it just goes to show the old saying “The pen is mightier than the sword”, is still holding true.

If you have had any calls from any company and you are not sure who they are, use our contact page and let us know the details, we will help you to find out if they are genuine or not.

It is also worth remembering that if you do have a law firm or lawyer working on your case, it is they and they alone who will inform you of any developments including out of court settlements, timeshare accounts departments, notaries etc will not be getting involved.

Friday’s Letter from America

Welcome to another Letter from America by our very own Irene Parker, this week we revisit our series on the 3 Rs and 1F of Timeshare, but first a word of caution brought about by some very disturbing emails received by Inside Timeshare.

These emails are all concerning companies our readers have paid to “relinquish” their timeshares, all being told that the “exit notification letter” being sent on their behalf is all that needs to be done and they are now timeshare and maintenance free. They are told they should not engage with the timeshare company or need to pay any further maintenance fee.

Unfortunately this is not the case, several of our readers have paid a certain company who shall remain nameless at present, but they know who they are, to exit their membership with Diamond, around three years ago. These readers are still getting demands for maintenance fees along with a surcharge for interest. They are also being threatened with court action and a debt collection agency.

The company concerned with these exits tells the clients that they are free of their timeshare  and to “DO NOTHING, PAY THEM NOTHING”. “That Diamond would not take court action because they knew they could lose given the dubious selling practices and the fact that no court would allow a company to insist on payments for a product the owner cannot use”.

We know that Diamond does chase unpaid maintenance, the debt is usually passed to Daniels Silverman a Market Leading Debt Recovery Agency, based in Liverpool. So it is not Diamond who take the “debtors” to court, but Daniels Silverman on behalf of their client Diamond.

If you are told to stop paying your maintenance fees until you have official notification from your timeshare company that your contract and membership has been cancelled, then failure to pay puts you in breach of contract.

It is also known that Diamond will not deal with these “exit” companies, they have their own system in place and will deal direct with the member. Remember no matter what these companies tell you, they are not “lawyers”, they do not know timeshare, all they know is how to take your money.

Now for this weeks Letter.

The 3 Rs or F of Timeshare Revisited (prior revision February 16, 2018)

Resolution
Relinquishment
Refund
Foreclosure

By Irene Parker

November 16, 2018

Our Timeshare Advocacy Group™ advocates brace for when timeshare companies hit the “send” button as millions of maintenance fee invoices hit inboxes.

February 16, 2018, when this article was previously published, we had heard from 300 readers since we began counting January 2017. As of November 14, 2018, we have heard from exactly 600 readers.  Not one of our readers was aware of the limited to no secondary market for a timeshare. This often triggers a complaint.

There is rarely a need to pay anyone money to get you out of your timeshare. Special circumstances, or if a member requests an attorney, we refer to one of the law firms we know and trust, if the timeshare company refuses to help. Seeking legal counsel is the right of every citizen if they feel they have been harmed, as is filing regulatory complaints.    

If you have a complaint, our “How to File a Complaint” form explains a process that takes time, determination and effort, but when it works, it costs nothing. We say when, because no one wins them all.

Timeshare companies cry, “Don’t call an exit company! We have your best interest at heart!” What the timeshare company means is:
Don’t call an exit company because it interferes with our recycled inventory process! Let us foreclose! We make collection calls to you no more than twelve times a day. (Six to each spouse, as has been reported)
When exist companies boast, “We can guarantee you release!” beware that that guarantee may include foreclosure. You don’t need to pay anyone to foreclose.  
Our complaint form: http://insidetimeshare.com/the-tuesday-slot-11/

Our goal:  Convert an angry, desperate, overwhelmed and confused member into an empowered member. Timeshare Advocacy Group™ has 44 core advocates, including a team of reporting advocates to answer questions about regulatory and, if needed, law enforcement filings. All of our Advocates are unpaid.  

The First R: Relinquishment

Some timeshare companies offer voluntary surrender programs, but relinquishments are not guaranteed and there cannot be an outstanding loan or delinquent maintenance fees.

Before relinquishing, check with a member of the Licensed Timeshare Resale Broker Association to find out if your timeshare can be listed with one of their members. http://www.licensedtimeshareresalebrokers.org/

LTRBA members charge nothing up front, so they don’t waste your time or money by listing a timeshare that, in all likelihood, will never sell.

The Second R:
A refund is not easy to come by, but in cases of serious and obvious fraud; a refund may be achieved. The complaint process begins with a petition to the resort, followed by the filing of regulatory and law enforcement complaints.

The timeshare lobby ARDA has a Code of Ethics. Not one of the 600 members who have contacted us could tell us what the letters ARDA ROC stand for, yet collectively give about $5 million a year to ARDA ROC. ARDA stands for American Resort Development Association and ROC Resort Owners Coalition. The money comes through “voluntary” opt-in or opt-out donations. This $3 to $10 amount, which varies depending on the resort, appears on all maintenance fee invoices purchased in the U.S. if the developer is an ARDA member. Despite our advocates and members forwarding approximately 200 complaints to ARDA, questioning ARDA’s Code of Ethics, there has been no response.

ARDA’s Code of Ethics:

The intent is that all member activities subject to the Code are designed to be honest and fair, and are conducted with integrity, dignity and propriety.  http://www.arda.org/ethics/

Litigation can take years and often the amount of money at stake doesn’t justify the time and expense litigation requires. Some developers have a class action ban, forcing arbitration. There are many critics of arbitration, including Minnesota AG Lori Swanson:  
“The right to have your dispute resolved before a jury of your peers is as American as it gets; it’s a fundamental core American democratic principle,” says Minnesota Attorney General Lori Swanson. “To think that millions upon millions of consumers are forfeiting their fundamental right to have their day in court because of fine print in a contract….”
Chris Parker, a reporter for City Pages writes: “Should a dispute arise, arbitration forces consumers out of the court system and into arbitration where appeals aren’t allowed, corporations historically wield a huge advantage—and details of misconduct are kept private,”

http://www.citypages.com/news/the-plot-to-kill-consumer-protection/451334393

Timeshare buyers should check immediately after signing a contract to see if they can opt out of the arbitration clause. Probably only a lawyer would think to do so.
http://insidetimeshare.com/tuesday-slot-arbitration/

According to the FBI agents and attorneys we spoke with, it is not legal for a company to hide behind fine print, providing sales agents the means to say anything they can come up with to sell points. With little enforcement in some states, deception prevails. Families after family have no option but foreclosure, if they have a loan outstanding. Most members contacting us do.        

The Third R

It doesn’t happen very often, but there is the possibility the member just doesn’t know how to use the booking system. Blanket statements like “You can always book online cheaper than using timeshare points” are not accurate. My husband and I are Diamond owners. We have often booked two weeks in Sedona or Orlando for less than it would cost booking online using our points.

I ALWAYS tell members when they say, “After we signed we read all these negative complaints!” that there are just as many and more who use and enjoy their timeshare.  

    Foreclosure

This is the least pleasant outcome, but foreclosure is not the end of the world. We’re working on a document for those who experience foreclosure to provide to credit rating agencies or lenders, detailing the patterns of complaints listed with the Better Business Bureau, Attorneys General, and lawsuits.

If you foreclose, there will be a hit to your credit score, but if you feel you are a victim of unfair and deceptive sales practices provide the credit rating agencies or your lenders with the reason why you refused to pay off a timeshare loan. Lenders are human. Many will take this into consideration.     

I asked timeshare attorney Mike Finn of the Finn Law Group some common questions we are often asked about the foreclosure process:
Will the timeshare company try to ruin my credit for non- payment of maintenance fees, loans or both?


Mike Finn: Generally no credit reporting on maintenance fees, yes they do on “mortgage” payments. Most timeshare property owner associations, which are separate non-profit entities, do not report non-payment of maintenance fees largely because they don’t maintain subscriber contracts with the credit reporting agencies. However, once referred to collection, those agencies do maintain subscriber relationships and that’s where the issue becomes relevant.

Can members be taken to court for non-payment of maintenance fees or loans?

Mike: Can yes, will, maybe not so much

Do they place liens for non-payment of loans?

Mike: Yes in the sense that they do pursue foreclosures, yes for maintenance fees as well.

Does the lien apply just to the timeshare, or does the lien apply to a member’s primary residence as well?  

Mike: The word ‘lien’ can be utilized in more than one way. In the timeshare world it typically means the security interest filed against the timeshare itself by virtue of nonpayment of maintenance fees. Only the timeshare interest itself is impacted by that kind of lien, not the owner’s property beyond the timeshare. A mortgage lien on the timeshare caused by non-payment of the initial purchase price can, under certain circumstances, become a judgment which could be satisfied by going after the defaulting party’s personal assets. This very rarely happens, but it has happened, so we can never, say never. A foreclosure on your credit report is quite damning, it will make refinancing or new residential purchases an issue for about five years. Rarely will they sue for deficiency balance.

http://www.finnlawgroup.com/learning-center/can-a-timeshare-hurt-my-credit-score

http://www.finnlawgroup.com/english/learning-center/page-12

Our Advocates, bringing experience and expertise from all walks of life, are here to help you put your timeshare in the rear view mirror, if that is your goal.

Our mission

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene, useful as always, in the Tuesday Slot next week, we will have another “Secret Shopper” report, edited by Pete Gibbes the Secret Shopper Coordinator, so join us for another insight into the murky world of a timeshare presentation.

Don’t forget the book by Wayne C Robinson, Everything About Timeshares, Before, During and After the Sale, with the forward by Irene Parker, you can obtain your copy from the link below.

https://www.barnesandnoble.com/w/everything-about-timeshares-wayne-c-robinson/1129749757?ean=2940161600962

The Tuesday Slot

In this weeks Tuesday Slot, Irene Parker writes about the Veterans who have reached out for help with their “Nightmare on Timeshare Street”. It is also to remember all those who served, Sunday in the US was Veterans day, in the UK it was Remembrance Sunday, there were also services and gatherings all over Europe to remember the 100th anniversary of the end to the Great War. One thing was common, to remember those who gave their lives in the service of their country.

Veterans Day 2018 – A Tribute to Those Who Served and

To those veterans we have gotten to know through timeshare

By Irene Parker

November 13, 2018

My father was a Navy veteran, but I did not grow up hearing about war stories. It wasn’t until Inside Timeshare started hearing from veterans and active duty military service members and law enforcement reaching out to us, that I heard war stories of heroism that left me in awe.

That’s not my father pictured above. It is the actor Glen Ford. My dad served in the Navy with Glen Ford. Dad always said he had the best job in the Navy. He was a cook for the nurses until his medical discharge for ulcers. He enlisted at age 36, called to the cause. Many Thanksgiving dinners were ruined because of too much salt in the dressing and when he cooked chili or shrimp, it was always enough for a barracks. He once told me he was in the monkey cage at the San Diego Zoo. “You mean at the monkey cage,” I asked? “No, I was IN the monkey cage. They turned the monkey cage into an infirmary.”  

I started hearing about accounts of heroism when veterans who purchased timeshares started asking for help. Army veteran Leo Gomez contacted me. He was worried about an outstanding timeshare loan. After listening to Mr. Gomez, I said I did not hear any deception so he would in all likelihood be responsible for the loan. That night something bothered me. I called Leo the next morning and asked WHY he changed from one program to another. His reply was more than enough assurance to convince me that he had been lied to, especially since he did not KNOW he had been lied to. I asked if the sales agent knew he had pancreatic cancer, likely a result of Agent Orange exposure. He said yes because he was tired from the aftereffects of treatment. The company did resolve his issue, but with hours left to live, Leo’s wife called distraught, saying the credit card company was calling demanding to talk to him, demanding the $4,000 down payment. Leo passed away November 2, 2018.

Leo earned two Purple Hearts.

      

https://www.opednews.com/articles/A-Fourth-Agent-Orange-Vete-by-Irene-Parker-Fraud-180917-513.html

From Marine veteran Raymond Mori

Mr. Mori’s daughter Teresa also contacted me distraught. Despite being timeshare members for years, they were sold a trial program. As the bills mounted, Teresa delved into their contracts.  She called the timeshare company and asked that the trial program be cancelled. Teresa said the timeshare customer service agent said they would have to talk to her dad. She said they “fixed” it by selling them 17,000 additional points for $49,492.

Mrs. Mori called me one day. What she described as Mr. Mori’s symptoms sounded like the symptoms experienced from a type of blast syndrome that causes brain changes that contribute to flashbacks and symptoms associated with PTSD. Mrs. Mori had explained that for years Mr. Mori woke up with horrific memories. He had spent over five months in a diabetic coma.

Teresa decided to attend a sales presentation at their resort to see what would happen. She said the sales agent attempted to sell her mom and dad $234,000 in additional timeshare points at age 83, while Mr. Mori was dozing off in his wheelchair, possibly a side effect from prescribed drugs.

Mr. Mori earned two Purple Hearts

60 Minutes aired a segment on how explosions can affect the brain. Veteran Mancini later committed suicide.

https://www.cbsnews.com/news/brian-mancini-brain-how-ieds-may-be-physically-causing-ptsd/

Raymond Mori in uniform Raymond and Lillian Mori

  

George Yamada, disabled from Agent Orange, paid US Consumer Attorneys $6,000 to get out of his timeshare contract. We helped him for free. George works as a pension administrator. He bought points he said were sold as an investment. After I suggested George file a complaint with the Securities and Exchange Commission, his loan was terminated.

https://www.opednews.com/articles/Let-s-Honor-our-Veterans–by-Irene-Parker-Fraud-180908-59.html

These are only three of our veteran complaints. Of the 81 military and law enforcement timeshare members that have reached out to us, 55 are veterans. Of the 55 veteran complaints, 22 resolved their dispute, but not without losing money.

Several of our veterans were scammed by a timeshare exit company. We helped one 100% disabled Agent Orange exposed Army veteran, who was up-sold by a sales agent we have 17 complaints against, resolve his IRS issue. He was issued a $170,000 1099 tax liability form, but we were able to provide him with the information he needed to get this reversed. The timeshare exit company in Branson was of no help.    

I listen to members and type the member’s account as we talk, as they explain what went wrong with their timeshare. We have a list of contacts their complaints can be sent to.

Some states will investigate based on a volume of complaints, but other states seem to walk lock step with the timeshare developer and reply to all complaints filed with, “You have no proof.” In those states, timeshare sales agents can say anything, based on responses from 514 timeshare members.

Of course, there are honest timeshare sales agents. They too are harmed by the actions of predators.

When someone is helped by our efforts we suggest a donation to Whistleblowers of America. They included our report on unfair and deceptive timeshare sales practices in their report to the Joint Committee on Veterans Affairs presented March 14, 2018. Whistleblowers of America seeks justice for the military and government workers.

https://whistleblowersofamerica.org/

Veteran stories are humbling. Several developers have worked WITH us instead of against us, but they are companies that will listen to the merit of a complaint rather than auto-dismiss with “You signed a contract” or “We are not responsible for what our sales agents say.”    

Veterans Day was Sunday, but there is never a day we should not remember our veterans.

NEVER FORGET

Related articles: 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 for this account, it is horrific that people who have given their all should be treated in this way, just to satisfy the greed of some sales agents with the complicity of their employers.

The timeshare industry needs to change, it is they and they alone who are destroying what should be an industry that promotes happiness, fun and family memories, especially for those who have served.

If you have any comments on this or any other article published, Inside Timeshare would love to hear from you, just use our contact page and get in touch.

At the going down of the sun and in the morning we shall remember them.

Friday’s Letter from America

Today Timeshare Advocacy Group Secret Shopper Coordinator Pete Gibbes describes a remarkable Diamond sales presentation. Inside Timeshare is always ready to publish a good report. Pete has not yet heard back from the sales agents and managers who said they would look into the complaint that prompted Pete to become more involved with advocacy efforts. Inside Timeshare will follow along and report in as soon as Pete hears back.

On 17 October Inside Timeshare published an article warning about another new “fake” law firm in Tenerife called,  ADN Alberto Dlendro Nabalez, Litigacionespaña SL, we have now had another reader send us information on the contact they have had with them. It seems that the Director of their timeshare resort The Harbour Club at Los Gigantes, Tenerife, has been charged with fraud. ADN have told our reader that many owners are getting together to cancel their membership, ADN would do this for them for 20% when the claim goes through.

Our reader then received another call informing them that a date has been set for a hearing on 20 November at 12.20pm. All they need to do is pay the “fake procurator” as soon as possible and they would be part of the case. This is very speedy indeed, but as we have said before this is all a FRAUD, there is no case, the director has not been charged with fraud and no trial date has been set. If you have had a similar call to this regardless of who you own with, then contact Inside Timeshare, your information is invaluable in helping others steer clear of this outfit.

http://insidetimeshare.com/consumer-warning-a-new-fake-law-firm-in-tenerife-part-of-the-litigious-abogados-family/

It has been a very busy week for the courts all over Spain, on Wednesday 7 November there were 15 cases being heard in various courts against a variety of timeshare companies and resorts.

In Tenerife another High Court has affirmed a First Court sentence and declared a Silverpoint contract null and void, with the return of their initial payments and double the deposit paid.

Continuing with Anfi, after yesterday’s article, it was announce that a further two sentences have been received from the Court of First Instance No 1 in Maspalomas, both contracts have been declared null and void with the return to both the clients of over 43,933€ and 47,582€ respectively.

Court Sentences PDF’s

Anfi Sentence a

Anfi Sentence b

Now for this weeks Letter from America.

Our Diamond Resorts Experience

A Not So Secret Shopper Reports

By Pete Gibbes, Timeshare Advocacy Group™ Secret Shopper Coordinator

November 9, 2018

We stayed at Diamond’s Los Abrigados Resort in Sedona Arizona October of this year. I was treated like royalty during a member update and sales presentation, neither of which would have lasted 15 minutes unless I had more concerns. Our sales promotion presenter, who said he had been with Diamond Resorts for 27 years, said that if we would like to buy more points we could talk about it. If not, was there anything else we wanted to ask? I asked if I was in an alternate universe.

They maintained that the company no longer employs hard sell because they found it to be counterproductive.

The internet is flooded with complaints that begin with, “The sales agent said….” only to be dismissed with, “You signed a contract” or, as we were told in 2016, “We are not responsible for what our sales agents say.” In my opinion, any company which does not take responsibility for their salesperson’s words and actions is implicitly incentivizing them to misrepresent the product in order to elicit a sale. When the sales agent is allowed to keep his or her commission, time after time, undisciplined or not terminated, that company is rewarding unfair and deceptive business practices.

To avoid being fleeced, I advise – don’t believe a word a timeshare sales agent says. “You signed a contract” is a fair response for simple buyer’s remorse.  If companies refuse to reverse transactions when allegations of misrepresentations are detailed and credible, sales will ultimately be affected.

I hope our experience at Los Abrigados is representative of future updates to come.   We received “Priority Check-in”, i.e., whisked to their VIP accelerated check-in which, according to the Diamond Resort’s website, is reserved for ‘Gold‘ and ‘Platinum’ loyalty owners, but I’m just a ‘lil old Silver member’.

During the update I was asked to document my previous purchase elicited, I believe, by deception. They actually wanted me to put it all down in writing because they wanted to directly bring my case to Diamond. They said to specifically use the word ‘misrepresentation’, because that has been the term which phony sales presentations have been scrutinized over. They also said to be sure to put that I was pursuing legal remedies, because Diamond took that seriously.

Two or three higher level people at the update were shocked and dismayed about how we had been treated in 2016. A senior manager appeared and commiserated with us. He sweetened the vouchers. They maintained that several years ago the abusive sales practices were addressed and things changed for the better. They were glad that I had let them know how I had been so shabbily treated before. They wanted to go to bat for me. (My account of what happened in 2016 follows this Secret Shopper report.)

At the sales presentation we were told that we could use our Diamond points to pay for nights at ANY 3 star rated hotel. I’d be reimbursed for 300 (or 400?) points per night. Now that’s not a bad deal, at least for many Diamond stays. At 400 points per night for 7 nights you’d be paying 2800 points for a very nice lodging, and it would be wherever you wanted to go, whether there was a Diamond resort available or not. I had not heard of such a benefit. This time around I will confirm if this is true. I have this sales agent’s contact information. He said to call him anytime about anything.

Also, there are supposed to be now 39 different ways for you to spend points, although he said points for flight miles wasn’t a very good use of points at $.07 to $.10 per point. It would take about $2,000 in maintenance dollars to book one domestic airline ticket. Typically, the best of use of points for any timeshare member is to use the points to stay at the resort’s properties. There are 39 different ways to use points? That may be a whopper.

I would like for someone familiar with alternative uses of points to refer me to where all these uses are detailed so we can calculate the actual value. I don’t see them listed on the Diamond website. Members need to do their timeshare math, as using the Barclaycard to pay maintenance fees is only at 1% per purchase, so it would take $200,000 charged in a year to pay a $2,000 maintenance fee bill. When members are told, “You can pay maintenance fees by charging purchases to a Barclaycard”, do the math to determine the actual value of this strategy.  

We were given all kinds of extra vouchers and discounts to attractions because I had had such a poor experience with the company. The concierge seemed amazed at the generosity of our discount/voucher amounts. He said he had never seen anything like it. Thought somebody must have made a mistake. This may have been a bit of luck, but our unit had what surely must have been the best view of the red rocks as anyone there.

The entire experience was far friendlier than I have ever experienced at a Diamond Resorts property. It was bizarre. Could they have been apprised that I am TAG’s Secret Shopper Coordinator? Or does Los Abrigados just happen to be a resort where members are treated particularly well? If my dispute over our 2016 purchase gets resolved, I will credit the sales team at Los Abrigados. I certainly would praise this particular resort, if my experience is typical, which I don’t know. I thought you would find my experience of interest. Maybe someone can even explain it to me.

All in all, I felt like Donald Trump must feel like when he stays at one of his properties. I do have to say that if the people I dealt with were ‘acting‘, they should be up for some awards, because even my highly tuned BS detector never flashed any warnings. Unfortunately it never did two years ago either. Proof is in the pudding, as they say.

It may be advisable to make all the people on our advocacy site Co-coordinator Secret Shoppers.

Here’s what happened to us at a Hyatt presentation in Charlottesville 11/18/2016.

My goal here goes well beyond getting this transaction reversed. I am hoping all those who feel that they experienced unfair and deceptive sales practices will come forward and file regulatory complaints and warn prospective buyers to be EXTREMELY skeptical of anything a timeshare sales agent says. This is not fair to those selling the product honestly, but the liars are so good, it is impossible to tell the difference.

We originally purchased 11,500 points in 2007 at Lake Tahoe Vacation Resort. We were not unhappy with Diamond until the 2016 Virginia purchase.

We learned about six months after our purchase that a Diamond “buy-back” program described in great detail by our sales agent does not exist. The buy-back program was the only reason we purchased the additional 4000 points for $15,500.

We attended the member update only because we wanted to get out from under the Diamond points we had already purchased. It was then DRI sales agent Mark W offered us a “great new deal” whereby DRI members who bought enough points to become Silver loyalty members could sell back ALL Diamond points.

After multiple “no” responses to other reasons to buy additional points, Mark W brought up the non-existent program that was of great interest to us. He said that if we became Silver members, after three years, we would have the option to sell all our points back to Diamond for $108,000. He said Gold loyalty members would be able to sell points back in two years. He put this in writing (which I have), by writing down $108,000. He also wrote 2Y=G and 3Y=S.

I was extremely skeptical because I had never heard of a timeshare buying back points. However, after he repeated this ‘new deal’ about five times, we finally decided he must be telling the truth. We signed.

When we ultimately learned there was no buy-back program we repeatedly asked Diamond to cancel the contract. Diamond’s response inevitably was, “It doesn’t matter what the salesman said,” or even wrote down apparently. They said that we had signed the contract.

My oral and written requests to get our contract cancelled began around June 2017. When you buy additional points, obviously you are not thinking about selling. It is only until you inquire about selling you learn you were duped.

I am encouraged by the Sedona Diamond representatives and their willingness to look into our complaint. There is a lot more detail to our complaint, but no sense rehashing it here since the entire experience is well documented. I look forward to hearing what my new friends at Los Abrigados find out.   

Advocacy Facebook offer support groups for those who have had bad timeshare experiences like ours. Our Facebook has over 2,000 members.

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

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

https://tug2.com/Home.aspx

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

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

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

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


Contact us at Inside Timeshare or one of our Advocacy Groups if you or someone you know needs timeshare help.

Don’t forget the book by Wayne C Robinson, Everything About Timeshares, Before, During and After the Sale, with the forward by Irene Parker, you can obtain your copy from the link below.

https://www.barnesandnoble.com/w/everything-about-timeshares-wayne-c-robinson/1129749757?ean=2940161600962

So that is all for this week, join us again next week for more news and views on the world of timeshare, have a great weekend.

The Tuesday Slot

Welcome to The Tuesday Slot, today we publish “How to File a Complaint Form” with the Federal Trade Commision, by Irene Parker.

The Federal Trade Commission’s How to File a Complaint Form

ANSWER: BUY MORE POINTS! TO QUESTIONS:

The availability is not as promised?

Buy more points! “I can’t believe that sales agent sold you so few!!!”

How can I get help paying maintenance fees?

Buy more points!

How can I sell my timeshare points?

Buy more points!

I don’t have enough points for a family of five?

Buy more points! “I can’t believe that sales agent sold you so few!!!”

By Irene Parker

Election Day in America, Tuesday, November 6

The first family to contact me was a Hispanic family in 2016.

Families already struggling with maintenance fees are often advised to buy more points to achieve the next loyalty level that will allow them to pay maintenance fees or be able to sell points. Unfortunately, the programs as described do not exist. A similar program does exist, so when the complaint is made, the company representative responds with the actual program that has nothing to do with paying maintenance fees or tells the member, “We don’t assist in selling points.”

Sylvia contacted me the summer of 2016.  Here it is 2018 and not a week goes by without more complaints, just like Sylvia’s 2016 complaint:   

Sylvia and her husband were persuaded to give up a deeded week that did have a limited secondary market, in exchange for timeshare points with virtually no secondary market. During a series of five sales presentations over a five-year period, the family accumulated enough points to elevate them to the next loyalty level in 2013. But maintenance fees increased to the point where they could no longer afford to own their points. The family soon found that they had to charge maintenance fees to their credit card in order to pay them.

Sylvia had already taken out a $33,000 home equity loan from their credit union to reduce the high timeshare loan interest rate, typically 14% to 18%. Never transfer a timeshare loan balance to a third party lender.

At their last resort stay in August 2015, Sylvia said that a sales agent tried to convince them to purchase more points in order to achieve the highest loyalty level.  The sales agent explained that this would allow the couple to pay their maintenance fees with their points, as only the highest loyalty members are allowed to use their points to pay maintenance fees. However, even at the highest loyalty level, turning in all points would only contribute $2,000 towards an $8,000 maintenance fee.

Sylvia relinquished $60,000 worth of points. She is probably still paying off her home equity loan and has no vacation points. One child graduated high school that year and was starting college.

Fortunately, Sylvia did not fall for the falsehood that would have driven her deeper into debt. We have received 63 almost identical complaints from highest loyalty members. They are infuriated.

Today is November 6, Election Day in America. Lobbyists are hard at work, making sure pro-industry candidates get elected. Lawmakers have a, “They signed a contract” answer to families alleging unfair and deceptive timeshare sales practices. We have heard from 571 families, many financially devastated because they believed a timeshare sales agent. As always, our disclaimer is that we know there are honest timeshare sales agents harmed as well by the actions of dishonest sales agents.

Timeshare buyers who feel they experienced unfair and deceptive trade practices should file a complaint with the Federal Trade Commission if the timeshare company dismisses them with “You signed a contract.” Members should also file with the Attorney General of the state where they signed a contract. Most, if not all states have incorporated a portion of the FTC Section 5 Code that describes unfair and deceptive business practices.

Unfortunately, the FTC doesn’t make it easy to file a timeshare complaint. The timeshare tab is buried. It took me a year to find it after a timeshare member explained how he found it. It’s almost like they don’t want you to find it. This is the link to file an FTC complaint and my step-by-step instructions directing you to the timeshare tab. We probably need about 10,000 members to file before the FTC raises an eyebrow.

 https://www.ftc.gov/faq/consumer-protection/submit-consumer-complaint-ftc

Step 1 Go to the link above: Submit a Consumer Complaint

Step 2 Bottom of the form, click FTC Complaint Assistant

Step 3 Click “Other”

Step 4 Click “For more options”

Step 5 Click “Travel Vacation or Timeshare”

Step 6 Click Other

Step 7 Click Timeshare

It was announced at an industry conference that $50 million has been set aside to put timeshare exit companies out of business, as well as honest lawyers and lawyers with questionable business practices. Timeshare exit is a problem the industry created by not allowing a secondary market. They admit this in annual reports to shareholders, listing a viable secondary market as a risk to their shareholders. Meanwhile, we are inundated with timeshare buyers contacting us describing how they have experienced unfair and deceptive sales practices.  

A jury awarded former Wyndham sales agent and whistle blower Trish Williams $20 million. Ms. Williams said Wyndham had TAFT days on slow sales days. (Tell them any #$%* thing). A former timeshare sales agent told me TAFT is a real person.

As private equity takes over timeshare, seeking venture capital returns, I believe this is only going to get worse. Timeshare is not the next Microsoft, disrupting a typewriter industry, prompting explosive growth. Upselling existing members into insolvency in an effort to generate 30% or better returns for investors is not the answer. The complaints never stop.   

We want more honesty. It’s a lot to ask, but we will keep asking.

Our complaint form: http://insidetimeshare.com/the-tuesday-slot-11/

Contact Inside Timeshare if you have a timeshare concern or a story to share. These are self-help groups we feel are not industry influenced.

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene, as usual you have explained it all for our readers, if you have any questions, comments or need help with this or any other matter relating to timeshare, use our contact page and get in touch, please explain where you are located, (US or Europe), so we can pass you to the relevant team.

Breaking News:

La Provincia has just published an article with the following head lines:

El director de Anfi declara en un pleito entre los hermanos Santana Cazorla

La familia se enfrenta por un delito de administración desleal de fondos de la sociedad

Translation:

The director of Anfi declares in a lawsuit between the Santana Cazorla brothers

The family faces for a crime of unfair administration of funds of the society

Inside Timeshare will bring you more on this tomorrow.

Don’t forget the book by Wayne C Robinson, Everything About Timeshares, Before, During and After the Sale, with the forward by Irene Parker, you can obtain your copy from the link below.

https://www.barnesandnoble.com/w/everything-about-timeshares-wayne-c-robinson/1129749757?ean=2940161600962

 

 

Start the Week

Welcome to the start of another week with Inside Timeshare, we start this week with a press release from Canarian Legal Alliance and their ongoing court cases against the timeshare industry on behalf of their clients, along with news released late on Friday.

The Spanish Courts around the country are going to be very busy this week, in total CLA have 31 cases appearing before the courts, these are a mixture of pre-trial and full trial cases, that is an average of 6 trials per day. It now remains to be seen how many of these pre-trial judges will follow other courts and decide to issue judgements rather than send them for the full trial. If so this will certainly speed up the legal process.

On Friday, the news came in from the courts that Anfi had lost another 4 cases, 3 at the Courts of First Instance and 1 at the High Court. All contracts have been declared null and void. In total Anfi have been ordered to pay out over 100,000€.

In Tenerife, Silverpoint have also been on the receiving end of a High Court judgement, in this case, High Court Number 3 has reaffirmed the sentence of the Court of First Instance, after Silverpoint appealed. The judgement is that Silverpoint must pay out over 24,000€ plus legal interest along with the contract being declared null and void.

It was also announced that in the long running and ground breaking case at the Supreme Court, of Mrs Shirley Wilson versus Silverpoint, she finally has received her award into her bank account. You will remember from previous articles, her case was the first at Spain’s Highest Court against Silverpoint, it took many years of appeals and counter appeals to get this case heard. 

Making up the News?

Eventually the Supreme Court declared her contract with Silverpoint null and void on the basis she was a consumer and her contract did not meet the requirement of Spanish Timeshare Law 42/98. This long running case was due to Silverpoint insisting that she had not purchased timeshare, but had “invested” in apartments and weeks for resale. This is the basis for many of the cases against Silverpoint, many hundreds of clients were duped into purchasing several weeks and apartments, which would then be placed on the “resale program”.

As we know these “resales” never happened, the clients were told that what they had purchased was not selling, but to secure and save their “investment” they would need to upgrade to better quality apartments and weeks. This scheme went on for years, with many losing tens of thousands of pounds each. The vast majority of these clients were also given Barclay Partner Finance loans to pay for the purchases, all arranged by Silverpoint in conjunction with BPF, no doubt receiving huge commissions for the loan agreements.

Today we are seeing a similar scheme which is trying to circumvent the law, they call it Company Participations, in essence the purchaser buys “participations in a “company” which is actually an apartment registered as such. Again there is the promise of profits to be made. But having seen the contracts, they are stacked against the purchaser and in favour of Silverpoint.

Silverpoint: The Story Moves On

If you require any information on this ar any other timeshare matter, or just need to know if any company is genuine, then contact Inside Timeshare using our contact page.

Tomorrow in the Tuesday Slot, we will be publishing the article entitled “The Federal Trade Commission’s How to File a Complaint Form”, by our very own Irene Parker.

Friday’s Letter from America

Welcome to this week’s Letter from America from Irene Parker, with her own 13 “Secrets the timeshare industry does not want you to know”. These are her own thoughts and follow on from Wayne C Robinson’s book recently published. But first some legal news from Europe.

At the start of the week Canarian Legal Alliance announced they had 23 pretrials or full trials scheduled to be heard this week alone in courts throughout Spain, so it looks like it will be a very expensive week for the timeshare industry. In all there were 44 new cases being prepared and presented to the various courts during October.

They also announced that the Courts in San Bartelomé de Tirajana have once again decided not to send six cases for a full trial at the pre-trial stage, instead the judges will issue sentences themselves. This is very good news for the clients as it will no doubt speed up the process.

It was also announced that another bank guarantee was received by Anfi for over 40,000€ as part of a provisional enforcement of sentence at the court in San Bartelomé. In Tenerife a court has also embargoed over 50,000€ for a German client from Silverpoint. This particular case was won in the Supreme Court. This will obviously ensure swifter payout for clients.

Now for those 13 shocking secrets.

https://www.barnesandnoble.com/w/everything-about-timeshares-wayne-c-robinson/1129749757?ean=2940161600962

By Irene Parker

November 2, 2018

After St. Paul switched sides, initially he was not accepted by either side. The Christians were wary and he was scorned by his former peers. This is the no-mans-land a timeshare sales agent may face when he or she realizes the company and industry they work for endorses and rewards sales agents who employ questionable business practices.

The over abused oral representation clause eliminates any complaint that begins with “The sales agent says.” The company representative emails the member their initials on the fine print with a “You signed a contract” dismissal. This dismissal is seconded by some state regulators demanding proof of false claims. Other states have acted after receiving a volume of complaints that illustrate a pattern of unfair and deceptive sales practices. Signing a perpetual contract, with little to no secondary market, accompanied by rising maintenance fees, has spelled financial disaster for family after family contacting Inside Timeshare. Thanks to advocates like Wayne, and our advocate team on six continents across the globe, we have kept up with our spike in contact volume.  

Wayne Robinson, author of Everything About Timeshares, Before, During and After the Sale has been removed from Facebooks he had been a member of for years, inhabited by timeshare sales agents. Our Inside Timeshare publisher Charles Thomas carries the same wounds, at times attacked because he used to sell timeshares. I once worked for a crooked life insurance company. After three weeks in the field, I was sent out for training with a top producer. I witnessed him put a pen back in the hand of an obviously dementia diagnosed senior, asking him to sign off on a fifth life insurance policy. I quit that day. Does that make me a villain because I worked for a crooked insurance company?

Wayne’s YouTube, linked in this article, follows the path that led him to become a timeshare consumer advocate.

https://everythingabouttimeshares.com/wayne-c-robinson-author/   

13 More “Secrets The Timeshare INdustry Does Not Want You To Know

“Like any industry, there are shocking secrets with the timeshare industry that consumers are not supposed to know about to protect the integrity of the companies…the industry, and the legal ramifications by knowing what really goes on”

The first 13 Secrets the Timeshare Industry Does Not Want You to Know was a great success. The first report is no longer available, but Irene Parker came up with her 13 Secrets after reading Everything About Timeshares. Irene wrote the forward to EVERYTHING ABOUT TIMESHARES.

We believe the industry can still be a viable source of happiness for families worldwide if widely reported deceptive sales practices are eliminated or at least reduced.

Irene’s 13 More Shocking Secrets

We’d like to hear from you if you have discovered secrets we have not uncovered.  

1: The “TODAY ONLY” price is always good the next day, next month and probably next year.

That’s right. The resorts will do all that they can to get you to buy the same day because once you are gone, the opportunity is gone also – so they think. This is why the timeshare resorts always tell their guests that the today price is only good for today.  This is untrue, for many reasons.

2: The FREE gifts aren’t free. They are built into the timeshare purchase price and closing costs.

When they throw in more gifts to induce you to purchase, what guests do not know is that the gifts are not free.  Those items are already factored into the purchase price and the closing costs. They are only free to those who attend and don’t buy.

3: It’s easy for sale agents and timeshare companies to dodge the contract rescission period.

“… Should you cancel within the rescission period, you are responsible for paying for all the gifts at rack rates and the highest advertised prices.”

There are several tricks that timeshare sales agents will use to prevent new owners from cancelling during the rescission period. “This new (non –existent) program is not available until after the first of the year” is one way. Often the buyer is not allowed onto the booking site until after the contract rescission period has passed. “Don’t say anything to the contract reviewer since this is a new program. I could get fired.” “Wait until you have made three months of loan payments before refinancing.” “Wait a year before selling.”

“You can offset all your maintenance fees” – which the member learns is not true when maintenance fee season rolls around.   

4: The timeshare you just bought may have no secondary market.

“It became even more expensive when owners were conned into converting their deeded weeks into points and had to pay an additional $4,000 to $12,000 for their own timeshare.”

The market is flooded with owners who will do anything to get out of their timeshares.

Some resorts have hundreds or thousands of timeshares for sale as many members are fed up with unethical behaviors, poor customer service, broken promises, and lack of availability.  

5: With a points program, it is often cheaper to book with an online travel site.

Irene had a firsthand experience when her family converted from a deeded week to a points system. Her daughter lives in   New York City. She bought points for this specific location, but learned it would cost her over $8,000 for a New York City hotel using timeshare points.  However, when she searched online for the same room at the same hotel for the same period, it would have cost only $950 using an online booking service. When she questioned the company, the reply was, “That’s for people who bought so many points they don’t know what to do with them all.”

As a former timeshare sales rep at the Holiday Inn Club Vacations in Las Vegas at the Desert Inn Resort, Wayne felt that their points program was very expensive compared to booking online.  After he added up the original purchase price, the annual maintenance fees, the exchange company membership, and the fee to use the points, it was very expensive.

6: It is not advisable to use third party lending.

“…I felt that the points programs were very expensive compared to booking online at the same resort during the same time period.”

“Not everybody pays the same price.  It all depends on the negotiation skills between the guests and the sales reps.”

When you transfer your high interest rate timeshare loan to a third party lender, like a home equity loan, or a credit card, you are in effect asking for a refund as opposed to a loan cancellation, a much greater challenge. Don’t finance a luxury item at 12 to 20%.

7: Master timeshare closers can earn up to $1 million annually.

One of the primary reasons why Wayne entered the timeshare industry was the amount of money that friends were making – over $250,000 per year, and this was in the year 2000.

Now, master timeshare closers are generating up to one million dollars a year or more in commissions selling timeshares.

8: Many licensed timeshare resale brokers do not charge upfront fees

If you’re going to buy or sell your timeshare on the resale or secondary market, always use a licensed timeshare resale agent. Many timeshare resellers are not licensed to sell timeshare online as they are not real estate licensed by the states, so buyers and sellers do not have protection should anything go wrong.  

We recommend going through the Licensed Timeshare Resale Brokers Association whether you want to buy or sell a timeshare for several reasons:

  • Each real estate agency has agreed to conduct business in an ethical manner.
  • They do not charge upfront fees.
  • They can legally answer any questions about selling or buying a timeshare and know the pros and cons of buying directly from the timeshare company versus through the secondary market.

9: The equity that timeshare resorts say they are giving you for trading in your old timeshare is “non-existent.”

This is one of the biggest scams in the timeshare industry that most timeshare owns are not aware of.

When a current timeshare owner attends a timeshare sales presentation with a different company, the sales reps will always offer to trade in their timeshare for the new one.  They will inform the guest that they will give them equity for their old timeshare, and can apply it to the new timeshare.  This is untrue. NO TIMESHARE COMPANY WILL EVER GIVE YOU EQUITY FOR YOUR OLD TIMESHARE – PERIOD.

It is a sales tactic that has been used for years, and consumers are still going for it.

10: A timeshare trial or sample program may have no contract rescission period.

Once the 4-6 hour sales presentation is over, and the sales person is convinced that they cannot make a sale, they will escort the guest to the “developer representative.”  Actually, there is no developer representative, just another sales person with a cheaper program. This program is called an exit or trial program – a way of sampling the program at a cheaper price ($2,000 $5,000) without long-term commitments.

The objective of this program is to provide the timeshare company with future opportunities to sell the full program to the members.

Trial programs are not defined as a timeshare in some states. Some local governments do not protect it the same way they would a timeshare. If you have purchased this product feeling like you experienced unfair or deceptive trade practices, you may be able to cancel despite no rescission period.

11: Using a timeshare cancellation company may present more headaches than dealing with the timeshare company.

Sadly, many consumers have been scammed by companies that promise to get you out of your timeshare offering a money back guarantee. Not all exit companies are scams, but review this 14 page FTC report listing timeshare exit scams.  Getting your money back from a money back guarantee can be as much or more of challenge than cancelling your timeshare. Timeshare members who used these outfits listed in this FTC report ended up stuck with the timeshare and never got their money back guaranteed money back.

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

12: Travel clubs that say they can get you out of your old timeshare may not do so.

There are many “travel clubs” throughout the U.S. roaming local communities.  Their marketing departments have a list of timeshare owners around the U.S. Wayne believes that the exchange companies are selling these lists compiled of RCI and Interval International members. Former timeshare sales agents and executives are often involved.They will call and inform the member that there is an important update on their timeshare from RCI or Interval International, and they must attend. The lure is a free dinner at a local restaurant.  When the guests show up at the local establishment, the sales reps attempt to sell them another timeshare at a lower price, showing them a lower maintenance fee. They will always offer to trade in the guest’s timeshares as long as it is fully paid. The buyer can find themselves stuck with the travel club and the timeshare they thought they were getting rid of.

13: There are many items that cannot be documented in the timeshare contract.

During the presentation, the sales agent shows you a directory of resorts, noting the points required. However, in most cases, you are not shown the actual availability based on supply and demand.  Of course you can find good value, less expensive than an online booking, but the internet is flooded with complaints from members who feel the sales agent overstated and over promised availability.

Know Before You Go on a Timeshare Presentation

Before purchasing a timeshare, attending a timeshare presentation, or trying to get rid of your unwanted timeshare, research the resort, the reviews, and the resale costs to learn all you can about the resort and the company. We still want consumers to buy timeshares, but are asking for more honesty and more concern for the member who feels they experienced unfair and deceptive timeshare sales practices. If you are aware of our 13 Secrets,   did your homework, and still want to jump into a timeshare lifestyle, enjoy your vacations! Three times Irene and her husband exchanged their timeshare, fell in love with the location, bought a home and moved to the exchange destination. Timeshares changed their lives for the better. One daughter now asks when told they go on vacation, “Uh, are you coming home?”

About the Author

Wayne C. Robinson has worked in the timeshare industry for more than 15 years and currently holds a timeshare license in Nevada and has held licenses in Pennsylvania and New Mexico. He has sold millions of dollars of timeshares and has hundreds of owners. Additionally, Wayne has worked for developers reviewing contracts and in sales and marketing.

Wayne has worked for many timeshare resorts in the U. S., Canada, Mexico and the Caribbean Islands, including Holiday Inn Club Vacations, Wyndham, Royal Resorts, The Manhattan Club, Pueblo Bonito Sunset and many more. He is thoroughly familiar with the contracts and the local timeshare laws on all types of timeshares.

The culmination of his career was being promoted to Director of Sales and Marketing for the timeshare at the luxurious Azul Sensatori Resort in Jamaica.

Wayne knows almost everything there is to know about the timeshare industry and wants to share industry secrets to those who want to get out of a timeshare-without paying anyone.

Thank you Irene, I’m sure that we could all come up with a few secrets that the industry doesn’t want us to know, I’m sure there will be many of our readers who will have an their own answers to that question, so if you have any comments on this or any article published, use our contact page and send them, we love to hear from you.

Have a great weekend and join us again next week.