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Raymond Mori

Friday’s Letter from America

Welcome to this week’s Letter from America, it is yet another “Nightmare on Timeshare Street” by Irene Parker involving yet another Veteran, this story is on that will make your blood boil! But first for some news from the Spanish Courts and more disasters for the timeshare industry.

Anfi were yet again on the receiving end on the 18 September, They had to deposit into the court the sums of 48,735.82€ and 16,222.68€ in respect of sentences issued in the favour of clients. In two days that brings the sum Anfi have had to payout to a massive 184,650.14€.

On the same day, the Courts of First Instance in Masàlomas issued another sentence against Anfi, at the same time in Tenerife, Silverpoint had two sentences issued against them. In all the total awarded is a massive 215,000€. All contracts were declared null and void and all clients received back double the deposit paid which was in breach of the law forbidding the taking of payments within the cooling off period. One of the sentences against Silverpoint was issued by the High Court in Tenerife.

In another case which was held last week, the Judge at the Court of First Instance number 5 in Arona, decided that the case would not be sent for a full trial, he decided that as the case was in flagrant breach of the timeshare laws, he would issued the sentence in due course. On 19 September that sentence was issued, the contract with Silverpoint was declared null and void, with the client being awarded more than 23,000€.

Good news also came from the Courts of First Instance in Maspalomas, The judge presiding over Court Number 3 had several pre-trials this month, he then decided that these cases need not go to a full trial and he would issue sentences in due course. That now make Courts numbers 1, 3 and 4 no longer sending cases for a full trial, this is obviously good news for the clients bringing the cases as it now speeds up the judicial process.

All these cases were brought on behalf of clients from none other than those determined lawyers at Canarian Legal Alliance, so congratulations the lawyers and their clients.

One of our readers contacted Inside Timeshare to inform us that an ex sales Rep from Silverpoint had cold called them regarding getting them out of their Silverpoint contract with a view to gaining compensation. How did our reader know he was an ex-sales rep, simple, he was one of those that sold them the Silverpoint in the first place! The Caller stated he was from Harlow Consultants SL, again there seem to be links with two companies based in Sterling and Aberfeldy, which we have already mentioned in previous articles.

The worrying thing here is we already know from other readers that these companies are cold calling Silverpoint owners, we also know that Silverpoint has made arrangements with them to cancel contracts. So it is safe to say that they are working from data supplied by Silverpoint themselves, we also know that the whole purpose is to get these contracts cancelled so those owners then have no recourse to any legal action. Any compensation that is promised will not materialise and you will also be paying for the pleasure of having the contract cancelled. (In other words paying them and Silverpoint)

Now for our Letter from America.

A Fourth Vietnam Veteran, Agent Orange Disabled, Fights a Timeshare Battle

By Irene Parker

First Draft September 16, 2018 for Friday September 21

Inside Timeshare has heard from 587 U.S. timeshare members, all but a handful alleging unfair and deceptive trade practices. Of the 587, 78 are veterans, active duty military and law enforcement. Many of the vets are disabled. Four, like Mr. Gomez, are disabled from Agent Orange. The volume of timeshare complaints submitted by readers has established the following facts and opinions:

  • Fact – Many of the 584 families are financially devastated by their decision to buy a timeshare. I have listened to many tears.
  • Fact – All but a few complaints have been dismissed with, “You signed a contract” or “Verbal representations are hard to prove.”
  • Fact – All the complaints sent to the Nevada Real Estate Division and the Florida Timeshare Division, DBPR, have been met with the above defenses.  Other states have taken complaints seriously, based on the volume of complaints and the similar nature of the complaints.
  • Fact – There are several repeat offending sales agents, with three to six identical or similar complaints.     
  • Fact – Not one of the 584 families knew their timeshare had virtually no secondary market.
  • Fact – A significant number have been ripped off by a timeshare exit company.
  • Opinion – Lawyers with no timeshare experience have no business taking a timeshare case.
  • Fact – The dollar amounts of many complaints lost to timeshare exit scams pales in comparison to the dollar amounts lost believing timeshare sales agents, according to member reports.

One resort has accused me of creating complaints. In other words, if the member had not talked to me, they would not have had a complaint. In the case of Mr. and Mrs. Gomez, this is true. I’ll explain. We will not name the timeshare company, hoping they will help the family, but the Gomez family said they would like their story told. Mr. Gomez is 71, Mrs. Gomez 63. They are Arizona residents.

Like George Yamada, from last week’s article, Mr. Gomez is a Vietnam Veteran, disabled from the effects of Agent Orange.

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

Mr. Gomez is 100% disabled. Mr. Gomez earned two Purple Hearts. He has been informed his pancreatic cancer is terminal.   

   Vietnam soldiers

Mr. Gomez called a week ago and said he was struggling with a $28,000 timeshare mortgage. After listening to his comments, I concluded there had been no deception. A timeshare mortgage is just like a home mortgage in that you can’t go to your home mortgage lender and say, “I can’t afford this.” Mr. Gomez said he had switched some old points into a newer category of points. At the end of our conversation Mr. Gomez mentioned his Stage 4 pancreatic cancer. I advised him to request a release based on medical hardship.

That night I woke up with one of those lightning bolt 2 A.M. moments. I called Mr. Gomez first thing the next morning and asked WHY had he switched from the old points to the new? He said it was because his resort had gone bankrupt.

I know for a fact that it is not mandatory to switch from his old points to the new. Mr. Gomez went on to tell me the sales agent in Las Vegas knew he had pancreatic cancer because he had explained to the agent why the four hour presentation was so tiring. He was suffering the aftereffects of his treatment. “They said our maintenance fees were $2,200 for 2018 and would go up to $3,000 January 1, 2019 if I did not convert, but if I upgraded to the next loyalty level I could turn in 10,000 points to pay $2,000 of the $2,500 maintenance fee,” he added. This is nonsense of course.  Mr. Gomez’s maintenance fees will go up more than $2,500 because of the additional points he purchased. Maintenance fee invoices have not been sent, but I seriously doubt the increase in his prior points will increase this dramatically. I own the same points.

So yes, you could say I created this complaint. Without my informing Mr. Gomez it was not necessary to switch from one set of points to the new, he would not have been aware of the deception. Only at the highest loyalty level can maintenance fees be paid with points (at pennies on the dollar).    

Whether this complaint is resolved or not resolved, it doesn’t change the turmoil this timeshare has caused the Gomez family by believing they had to transfer from one program to another. Mr. Gomez has been accepted for Hospice.

Mrs. Gomez called me. I had already surmised Mr. Gomez is an easy going person. His reaction seemed more disappointment than anger when I told him he could have kept his prior timeshare with the $6,000 loan balance, as opposed to the $33,000 purchase with $28,000 financed and $4,500 charged to a credit card. Mrs. Gomez reaffirmed my suspicion of Mr. Gomez’s easygoing nature saying,

Leo is a very easygoing person. But I’m a teacher!” A common complaint we hear, “I don’t like being made a fool of.

We encourage member accounts of their timeshare experiences, good or bad. We hope consumers and the industry will listen to the voices of those who wish to be heard.

So there we have it, another “Nightmare on Timeshare Street”, this is probably one of the worst that we have yet come across, it makes you wonder if these sales agents and company directors have any moral bone in their bodies.

Stop press

Inside Timeshare received the following email from Wayne C Robinson, Author of Everything About Timeshares, Before, During and After the Sale. We asked him if we could publish and he was more than happy for us to do so, please share this on you facebook pages and other social media.

Timeshare Author Challenges Diamond Resorts CEO Flaskey to “Do The Right Thing.”

I am not sure how to react when Mike Flaskey, CEO of Diamond Resorts International, views my profile on LinkedIn.

But, whatever his reason, I would like to share a few words with him, now that I have his executive attention.

My purpose in writing the book is not to attack companies such as Diamond to gain something in my own corner. I am merely pointing out areas that I feel require your attention to improve on customer relations.

These areas have certainly been highlighted with the multi billion dollar lawsuits against Diamond Resorts, and the level of customer dissatisfaction from the people who befriended and trusted your OPCs, sales reps, and VLOs. Remember, your members are the people who provided you the privilege of representing a company that has so much potential.

Rather than spend millions of dollars hiring fancy lawyers to help improve on customer service, you hire them in an attempt to destroy a woman in her 70s who is spending the remainder of her life helping families get their lives back on track for the damage your company has allegedly caused.

Were you aware of 83 year old retired Marine Raymond Mori, a two time Purple Heart recipient who has been battling with Diamond Resorts with a serious heart condition?

Were you aware of Roy and Angele Simmons, a U.S. Navy veteran whose mortgage to your company is $2,700 monthly with Maintenance fees of $4,780, and their social security check goes to pay Diamond? Just in case you didn’t see it, here is their story. https://youtu.be/j_nca6lMA4U

Shame on you, Flaskey for focusing on how to keep afloat your ship while the likes of Marriott and Disney and other reputable resort chains are watching you.

I am asking you to “man up,” and be the leader that your company and the general public can respect and appreciate by “doing the right thing.”

Spend your money and time trying to improve your customer relations and presenting your company as something Americans can be proud of, or find somebody else who can do the job.

As far as viewing my profile, I appreciate your interest in me and my book project. I also viewed yours. Congratulations on getting the position. Now that the world is watching, what are you going to do with it?

Well that’s it for this week, remember if you have any questions or comments about any article, company or just need some sound advice, then use our contact page and we will get back to you.

Have a great weekend.

The Tuesday Slot

This week’s Tuesday Slot is an update by Teresa Laird first published on 23 March 2018 in Friday’s Letter from America, it tells the story of Double Purple Heart recipient Raymond Mori and his wife’s “Nightmare on Timeshare Street”. This article has also been published by OEN, opednews.com with an introduction by Irene Parker.

https://www.opednews.com/articles/Raymond-Mori-83-Two-Purp-by-Irene-Parker-Fraud-180828-295.html

At the moment Europe and especially Spain is very quiet on the timeshare front, mainly because we are in the middle of the summer holidays, with the courts in Spain on close down. But one reader did pass on a piece from one of the Anfi members forums, it poses a very interesting question on liability when it comes to private renting of timeshare apartments and weeks.

The writer starts by mentioning that members can’t help noticing that apartments are being privately rented at Anfi and the question arises of who would be liable if that renter had an accident in the apartment?

Would the resort be liable or would the person renting it out be liable if any legal action were to be brought, a very interesting point as the resort could claim that as they are not members but have rented from a private individual they are not covered by their public liability insurance. That would mean the owner of that week and apartment would theoretically be liable, but as an owner renting it out for whatever reason, be it no longer using themselves but covering the maintenance fees, they are unlikely to have any insurance cover for this eventuality.

The writer also goes on to say that this wholesale renting was not what was originally intended, it was for the sole use of members and their families, he believes this is just another nail in the timeshare coffin and would not be surprised if Anfi became a hotel in the future leaving members with little redress.

On that last point, we do know that IFA Lopesan has set aside millions of euros with the intention of buying the Cazorla shares giving them full control. It is also a known fact that IFA Lopesan have no interest in the timeshare model, they favour hotels which are mainly all inclusive and of a very high standard.

If you are an Anfi member what are your feelings on these points, Inside Timeshare would like to hear from you, now for this Tuesdays article.

Retired Marine Raymond Mori, Two Times Purple Heart Recipient, Alleges Timeshare Fraud at Age 83

An update since my original article March 23, 2018

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

Tuesday Talk Member’s Forum August 28, 2018

  

By Teresa Laird,  

Purple Heart 9/29/68

“I am writing this at my parent’s last Diamond Resorts update March 13, 2018, I am convinced my parents, at age 83 and 79, would have purchased 30,000 additional Diamond vacation points for $234,295 had I not been with them. This offer required a down payment of $69,993. I kept the paper of these terms under the table because members are not allowed to walk out with hand written notes. My dad was not feeling well. He falls asleep in his wheelchair and had spent six months in the hospital after a heart attack. The stress over this expense has caused my parent’s health to deteriorate further.”

Raymond Mori before being shot down twice, a gunner,  earning two Purple Hearts.

I changed their phone number to avoid Diamond’s collection calls. My mom still shakes when she hears the phone ring. She has never been late on paying a bill in her life, so this has caused her to lose weight and lose sleep. I learned my mom’s entire Social Security check goes to pay the Diamond mortgage. We have learned Diamond points have no secondary market value, so unlike your home, you can’t sell the points if you have a loan.

My parents today, Lillian and Raymond Mori, married 61 years

I have reached out to Angela Sandstede as her parents are going through exactly what we are going through. Roy Simmons is a Navy veteran. His Diamond mortgage payment is $2,700. He is a Navy veteran and a retired letter carrier.

Roy Simmons and Angela Sandstede Simmons

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

Like many, my parents used their Monarch Grand Vacation timeshare for years without complaint. They said they were told they had to give up their deed and buy points. I’ve learned they did not have to do that. Since Diamond acquired Monarch, their annual maintenance fees have increased from $2,600 to $4,600.        

I first learned of their purchase when my mom told me they had purchased an investment. She said they had invested in property. I called Diamond Resorts when my dad said they wanted to sell some points. When I asked how to go about selling points, the DRI hospitality agent laughed at me.

What they bought

4,000 Diamond points 3/12/2013 for $20,416  

2500 Diamond points 6/25/2013 for $8,325  

2500 Diamond points 7/29/2013 for $8,616

5000 Sampler points 5/4/2014 for $2,995

At ages 79 and 75 they were sold a Sampler trial program?

I called Diamond and told them that they needed to take back this last Sampler purchase at the very least. They said they would work with us but had to talk to my parents directly. What did they do – they sold my parents 17,000 more points over the phone at then ages 79 and 73 for $49,492. My parents said they were told they cannot cancel the Sampler, but the points could be added to something else. This is why they are in foreclosure. The caller said they would attach the Sampler points to another program. I could not believe it. Their new maintenance fees are $4,780.

My mom worked as an interpreter for the Ontario California liaison. She speaks Spanish. My dad is diagnosed with early Alzheimer’s. To think their lives have been financially ruined by this company is unforgivable. I am an advocate now. I am a veteran. I am working on a graduate degree and am active in the Veteran’s Resource Center. There is a Veteran’s Resource Center in every university. As soon as I finish my degree, I plan to make it my life’s work to warn veterans about predatory timeshare sales that can financially ruin the lives of those who served to protect us, including those who intend to do us harm. I am one of 72 veterans and active duty military and law enforcement who have reported alleged timeshare fraud.  https://www.csun.edu/vrc

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

Thank you Teresa for the update, it is despicable that the timeshare industry allows its sales agents to behave in this manner, we have said it before and will continue to say it, you as an industry

ARE RESPONSIBLE FOR WHAT YOUR SALES AGENT SAY AND DO!

It is your products they are selling, you employ them to represent your companies, the buck stops with you. If the industry can’t change its practices, then maybe it is time for major legislation forcing them to change. We have seen this in Spain, consumers there are now given the full protection of the law, the strongest in Europe, with other countries starting to follow their lead.

If you have any comments or would like to share your own “Nightmare on Timeshare Street”, then contact Inside Timeshare, remember you are not alone.

Have you been contacted by a company offering resale, claims or relinquishment and are not sure if the company or what they are offering is genuine, then use our contact page and we will point you in the right direction. Doing your homework before engaging with any company dealing with timeshare will save you money and a whole lot of stress.

Friday’s Letter from America

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

purple heart medal

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

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

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

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

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

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

Another Veteran, Raymond Mori, Alleges Timeshare Fraud

Retired Marine and Purple Hearts Recipient

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

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

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

Purple Heart Crest

By Teresa Laird, Raymond and Teresa Mori’s daughter

Friday March 23, 2018

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

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

https://whistleblowersofamerica.org/

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

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

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

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

Roy Simmons and Angela Sandstede Simmons

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

Kevin and Brenda Hopkins

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

Josh Parker

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

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

Teresa & Raymond Mori’s Nightmare on Timeshare Street

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

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

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

Here’s what happened

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

9,300 points were provided as “equity”   

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

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

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

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

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

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

5000 Sampler points purchased 5/4/2014 in Sedona

Purchase price: $2,995

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

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

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

Amount financed: $47,138

New maintenance fees: $4,780

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

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

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

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

inspired advocates

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

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

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

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

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

friday cat