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Whistleblowers of America


Friday’s Letter from America

Once again welcome to Friday’s Letter from America, this week Irene Parker interviews yet another military veteran family about their experience with Diamond. Joshua and Nichole Parker are just another couple in a long line that have reached out to Inside Timeshare in the past few months, we do not expect them to be the last.

First we have a quick look at Europe, we begin with a warning about a company cold calling Diamond owners in the UK.

cold call

One of our regular readers who is a member of one of the Diamond facebook pages, received a call from a company claiming to be called Scottish Heritage. It seems that the caller knew our reader is a member with Diamond Resorts, the offer was for a stay at a choice of hotels in Scotland for 5 nights for the knockdown price of £99.

This sounds like the old “flybuy” offers that we have warned about in the past, cheap stays along with the obligation to attend a presentation usually to purchase either a timeshare or holiday club package.

When we searched for any company called Scottish heritage we drew a blank other than the official Scottish organisations, which we very much doubt would be making these type of calls.

The number used for the call is:


Which is a Chester number, when we did a check on this number it did show some rather interesting results, on Who Called Me,

there were many entries about this number, including the name Scottish Heritage. It also belongs to a website called

In their About section they go on to say:

“As a guest of Loyalty Breaks, you would receive heavily discounted accommodation in a selection of leading hotels and resorts around the world that would otherwise cost a considerable amount of money.  All that is required from the guest is that during their stay, they take a morning or afternoon of their time to learn about the benefits of the resort in a relaxed environment, and donate valuable feedback to improve customer care and satisfaction.

The developers will heavily subsidies the accommodation for up to 7 nights, with the intention on enlightening their visitors on the benefits and perks of their exclusive residences in some of the most sought after destinations around the world.”

Which does confirm what we expected, discounted breaks with a presentation. Unfortunately we can find no company registration for either Loyalty Weeks or Loyalty Breaks, and the website does not give a name of who is behind it, although it was only registered on 29 July 2017, so it is only around 8 months old.

The question now is who is behind it and how did they get the information, especially as they knew they were Diamond owners. Could it be that some unscrupulous sales staff who knew that they were going to be laid off, got hold of the members data either selling it on or starting their own little enterprise?

It has also been a busy week with sentences from the Supreme Court in Madrid being issued against Silverpoint, Palm Oasis and Puerto Calma, a good week for the lawyers and their clients.

Now on with this weeks Letter.

A Veteran’s Family Bought Diamond Points

Dismissed by Diamond Hospitality Consumer Advocates because,

“You signed a contract”  

An Interview with Joshua and Nichole Parker


By Irene Parker

March 16, 2018

Joshua “Josh” and Nichole Parker attended a timeshare sales presentation that lasted from 8AM in the morning until 8PM at night at Diamond Resorts Mystic Dunes resort in Orlando on November 8, 2017 after attending a Diamond’s Event of a Lifetime. “Why didn’t you just leave?” the critics ask. Joshua explains why on his YouTube. They purchased 4,000 Diamond timeshare points. Joshua and Nichole say they were told their points would go up in value. Now, expecting twins, they do not have enough points for a family of five to vacation and have learned, not only did their timeshare points not increase in value – there is virtually no secondary market for Diamond timeshare points. Josh’s YouTube

Josh suffers from post-traumatic stress disorder. Josh is the second 90% disabled, PTSD diagnosed, Iraqi veteran Inside Timeshare has assisted this year. The other veteran and his wife had been subjected to a five hour predatory and fraudulent timeshare hard sell. They recorded an hour of their ordeal which has been turned over to law enforcement. After listening to the recording, I can firmly say there was no alleged about it. Their timeshare dispute was quickly resolved after a copy of their YouTube interview was sent to the timeshare company. Others who allege fraud, but did not record their alleged fraudulent timeshare sale, face an uphill battle of repeated denials and dismissals. Timeshare companies often respond, “You signed a contract.”

The FBI disagrees with this reasoning, and has advised timeshare members to file complaints with the FBI at and orally through the FBI field office nearest to where the timeshare contract was signed, if their allegations meet the FBI definition of white-collar crime, “deceit, concealment, violation of trust, bait and switch.” The FBI agent Josh spoke with advised Josh to also file a complaint with the Federal Trade Commission (option other – timeshare sales).

Post-traumatic stress disorder

The tragic events that took place at the Veteran Home in Yountville, California, Friday, March 9, a formerly safe place for Veterans suffering from the effects of PTSD, reminds us that the effects of war or a traumatic event can live long after the event or the battlefield. It’s not an easy topic, but one timeshare companies and timeshare sales agents should be aware of, if they care.

My interview with Josh and Nichole

Irene: Josh, tell us about your military service.

Josh: I joined the army in 2005, partly for the health benefits, and because joining the army was what I always wanted to do. I became a military police officer. In Iraqi I was part of a Police Transition Team. We taught Iraqi police how to be police because they lacked training. I was part of Operation Iron Maiden in 2006 when an attempt was made to catch Ayman-al-Zawahiri. We knew there were weapon caches and hostiles. We performed an outer cordon searching for hostiles. We were out there three days. I hurt my lower back from a fall while on this mission. The weight I was carrying made the injury worse. It is considered a combat injury because it was in reaction to incoming rounds.

Irene: You suffer from PTSD. Explain how that has affected your life.

Josh: The experience of combat changes the way you think from that time forward. During those three days, at one point I came to the realization that I was going to die. That moment changed me for the rest of my life. I have a high priority for security. Most people get up in the morning and think about what they are going to do that day, food, work, entertainment and security. For me it is food and security. The first thing I ask myself when I wake up in the morning is if what I am going to do today is safe.        

Irene: I too suffer from PTSD, so interested in the subject from a personal perspective. I followed the role model of John Walsh of America’s Most Wanted channeling my anger and grief into advocacy. Mr. Walsh lost his six year old son Adam, a victim of a homicide. I revisited the topic again and found this symptom:

You may be jittery, or always alert and on the lookout for danger. You might suddenly become angry or irritable. This is known as hyperarousal.

It’s hard enough for anyone to endure an eight hour hard sell timeshare presentation, but PTSD, combined with a high risk pregnancy carrying twins, obviously made your experience even worse.

Josh: Nichole has had several miscarriages, and has gone through eight years of fertility treatments. So expecting twins, we are in a constant state of worry. In addition, they forced us to leave our crying 4 year old in the kids club because they could not proceed with the sales presentation with her there. Our daughter was born with a genetic disorder called Klippel-Feil syndrome, a bone disorder that also affects her heart and kidneys. She also has many food allergies. It was unfair to leave a child in the play area for hours, told by our sales person Tiffany that she would only be there two hours.

Nichole: They don’t really feed the children. They only offer snacks and our daughter Vanessa could not have some of what they offered. Had I not have almost passed out from low blood sugar due to my pregnancy, they would of expected us to leave our child there thru lunchtime.

Josh: We didn’t leave because they would not return our credit card and driver’s license, even to leave for lunch, telling us to just drive to the restaurant on property. The reality is, you ask and they say yes, I’m going to get it from so and so. Then 10 minutes later someone else arrives and they start over saying, “I let him know and he’s going to bring them.”  There is a constant push off to delay getting the IDs and credit card. It’s relentless.

It was like being tortured, being held hostage, and they did the same to our child. When the sales people were talking, they refused to let us check on our kids saying, “If there was a problem someone would come get you.  Meanwhile, you hear kids screaming.”

Irene: As mentioned earlier, those with PTSD are jittery and on the lookout for danger. You are prone to be angry or irritable.

Josh: Yes, and around 5 PM I went out to the car to get something. I have handicap parking, but the handicap parking had been blocked off with cones. I rolled my ankle stepping between the cone and the cement block.

Nichole: This was why we did not get the papers signed until 8 PM. We reported the incident at the front desk. They called security to file an incident report. While waiting for security, Robert, the sales manager and Omar, the sales center manager, continued to pressure us to buy points even though Josh was in visible pain, with ice on his ankle.

Josh: We kept saying we could not afford the points, even though I was visually in pain. My ankle was starting to swell right before we signed the documents. We were not even on the sales floor. They kept saying, sign this and this, including the Barclaycard that we did not want in the first place.

Irene: So, after all this, why did you buy?

Nichole: The same children’s hospital I know that my four year daughter old goes to, to see maternal fetal medicine they said we could stay by. So they really got us when they were saying we would be able to be closer to the hospital. But the fact remains, at the time of purchase, even if this is an option, we can’t afford this timeshare and were told it was an investment and could be easily sold.

Irene: When are the Parker twins due?

Nichole: July 18 is 40 weeks but twins are full term at 37 so June.

Irene: I love babies! We would love to visit after they arrive.

Irene: Back to timeshare – Some have asked why you did not just call 911 when they refused to return your driver’s licenses and credit cards.

Josh: The biggest thing was to get it over with. We knew we could not afford it but they kept saying it was an investment and it was good for our children, and they said if we purchase it now we would be assured our children could always take vacations. As an investment, we thought we would not lose money on it. I didn’t count, but I am sure I said 100 times, “I can’t afford this.”

The next up-sell attempt at Polo Towers:

Josh: Next, we were told we had to attend a new member orientation. We had told our sales agent Robert we did not want to attend any more presentations. Robert said we would not have to. When we went to Diamond Polo Towers November 2017 we were told we had to attend a new member orientation to learn how to use the tablet and how to navigate the Diamond website. My wife lost her mind. They called Robert and their demand to attend was dropped.

Irene: When did you realize the hopelessness of your situation?

Josh: We started to question the legitimacy of what we had experienced December 2017.  We know 4,000 points are not enough points to travel with a family of five. We will be struggling with the double expense of two newborns instead of one. The answer for us is not to buy more timeshare points, only to get deeper in debt.  We would have never bought Diamond points if we thought we were obligated to pay maintenance fees for the rest of our lives for a timeshare that could not be sold.   

Nichole: We are stressed beyond endurance over what Diamond Resorts has done to our family.

Josh: We have filed a complaint with the Consumer Financial Protection Bureau. There has been no response. We have filed a complaint with Florida Attorney General Pam Bondi. We did receive an email today with further instructions.

We filed a Better Business Bureau complaint. There has been no response. We will file a complaint with the Nevada Attorney General. We intended to file a complaint against our sales agent Tiffany with the Florida Real Estate Division, but when I called Diamond, they would not tell me her last name. We do have the names of Robert Gonzales, Director of Sales and Mario Hernandez, the highest person there.

I have joined a group of 34 members of active duty and retired military/law enforcement claiming they were defrauded by timeshare sales agents, seemingly targeting the military. We have reached out to Whistleblowers of America, an organization that seeks justice for military and government workers, active duty and retired.  

We contacted Irene Parker at Inside Timeshare because we were going to sign up with Primo Management Group and had a conference call scheduled for February 15. Below are the documents PMG provided, including a Diamond release from Eric and Angela Wood, as a testimonial and an illustration of our Diamond liability projected out 40 years.  Irene told us to cancel the conference call and not sign up with PMG. She advised us to contact Diamond Resorts Consumer Advocacy. She said she felt confident DRI Advocates would be able to help us. She explained the Diamond program CLARITY about transparency, accountability and respect for the customer.

The history of our vacation nightmare:

Sampler purchased 20,000 points for $4000 Parkway International Celebration Area 7/2017

4000 annual points were purchased at Mystic Dune November 8, 2017 Event of a Lifetime. We were told our Sampler points and money paid would be credited towards the purchase of annual points but it wasn’t.

Purchase price $15,133

Amount financed $12,636

Sales agent Tiffany

Robert Gonzales, Director of Sales

Mario Hernandez was the highest person there

Javier was QA

We were told the new thing is that all your points are worth money.  It doesn’t matter if you can’t afford it because the points are worth money. We were told points can be converted to dollars to pay maintenance fees because fees will go up 10% every year and the inflation on the fees won’t match our fixed income.

The Timeshare Exit Company we contacted to get us out of this nightmare:

PMG (Primo Management Group, Inc.) quoted us $3,000 to $6,000 to get us out of our Diamond timeshare.

Thank you for considering PMG, the country’s most respected timeshare relief agency, for assistance in completely cancelling your timeshare obligation.

We have a 100% success rate.  Your deed cancellation is backed by our 100% guarantee and we guarantee to protect your credit throughout the entire process.

Our program includes:

  • Timeshare Contract Cancellation
  • Immediate Cancellation of Payments
  • Cancellation of Maintenance Fees
  • Mortgage Balance Cancellation
  • Protection from Harassment
  • Credit Protection/Correction

 Subject: *PMG Consultation Email

Your Financial Obligation to Diamond


Please feel free to ask your Consumer Advocate any and all questions you may have.  Best wishes and again, thank you.

Grand Lodge_Michael & Barbara Wagner.pdf

Holiday Inn-Orange Lk_Vanessa Pena

Summer Bay_Shovan Anwar & Aniva Zaman.pdf

Wyndham_Tiwuanda Howard.pdf

Diamond_Eric & Angela Wood.pdf

Best Regards,

Ken Crawford

Sr. Consumer Advocate

Irene: What a mess! Will timeshare companies that do not allow a secondary market ever realize they are causing the problem? Never pay anyone or any company money upfront to get you out of your timeshare. If you are contacted by such a company contact one of the groups listed here.  

These are US self-help, member supported groups we feel are not industry influenced:

thanks vets

Thank you Joshua and Nichole for sharing your story, also thanks to Irene all the volunteers for all the hard work they are doing to help those such as the veterans and the elderly.

If you have any questions, comments or need advice on any article published, contact Inside Timeshare from our contact page, please state if you are US or European based.

That’s it for this week, it’s Friday and the weekend is calling, have a good one and join us again on Monday.
friday dog


Friday’s Letter from America

Welcome once again to Friday’s Letter from America, this week is Earth to ARDA, it is an open letter to Mr. Clements, Mr. Nusbaum and Mr. Roth, it is jointly written article by Eron Grant and Irene Parker. Inside Timeshare can also report that the US team have had three resolutions this week. Diamond  is Listening. So well done all the US volunteers.


This week has been a rather busy one for the courts in Spain, with three sentences from the Courts of First Instance, two from the High Courts and ruling number 90 from the Spanish Supreme Court.

Anfi have had three judgements against them this week two at the Court of First Instance and one at the High Court. In the first two, Court Number 3 at Maspalomas, GC found for the clients, declaring their contract with Anfi null and void. This case was highlighted in the Tuesday Slot with Irene on 6 March.

The second case, held at Court Number 4, again in Maspalomas, another Anfi member had their contract declared null and void. Ordering the return of over £15,000 plus legal interest.

In the High Court Number 5 in Las Palmas, the judge again declared an Anfi contract null and void, with the return of over £14,000 plus appeal legal fees and interest.

In the same court another timeshare company Airtours has had one of their contracts declared null and void, with the judge ordering the return of over 12,000€ plus legal interest.

At the Court of First Instance Number 4 in Fuengirola on the Costa del Sol, Club la Costa has been ordered to return over £19,000 including legal fees and legal interest. The contract was also declared null and void.

In the Spanish Supreme Court in Madrid, another historic ruling, bringing the total number made by the Highest Court to a whopping 90!

This was against the Tenerife operation Silverpoint, again the contract was declared null and void with the return of over £10,000 plus legal fees and interest. There will be full article on this and another Supreme Court ruling next week, so keep an eye on these pages.

All these case have been brought on behalf of the clients by the Arguineguin law firm Canarian Legal Alliance, no doubt the clients and the lawyers will be celebrating this weekend.


In other news, we had an enquiry into another company contacting Club Class members, this call was from a Madeline Swann of Gateway Services, apparently based in Telford. In the call she is telling the client that there is a payment due from the banks for being mis-sold his Club Class membership. All he needs to do is pay a certain amount by bank transfer to a Santander account to have the money released.

Haven’t we heard this one before?

On searching for this supposed company nothing came up, no company house records, nothing. So if you get a call from this Madeline Swann or anyone else saying they are from Gateway Service, do let us know. Remember, there will not be any money waiting for you from the banks or the courts.

Now for this weeks Letter from America.

Protest photo

This photo was posted on a Diamond sponsored member Facebook page, but removed. If you see these members at a resort near you, please send them to:


TO: Robert Clements, Lobbyist and General Counsel, Regulatory Affairs,

Howard Nusbaum, ARDA CEO,

Peter Roth, media contact

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

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

Inside Timeshare will be following Platinum Diamond members Roy and Lillian Simmons as they make their way through Vacation Ownership’s highly regulated industry. Mr. and Mrs. Simmons are worried about losing their home, up-sold at age 69 and 70 to $2,700 a month in timeshare loan payments. They are one of 23 Diamond Platinum members alleging they were fraudulently up-sold into financial disaster. Roy and Lillian Simmons first submitted their demands to Diamond’s Consumer Advocacy Department on January 8. Tuesday’s article describes what happened:

Next, they filed a complaint with the Better Business Bureau the end of February. The BBB closed their complaint in two days because a Diamond Hospitality agent from the Diamond Consumer Advocacy Department responded, “They signed a contract.” As Mr. Simmons describes on the YouTube, they were told Diamond shares were going to go up and split and they could make $3,000 to $4,000 a week renting Hawaii points because Hawaii points are so valuable. Mrs. Simmons is too devastated to have taken part in the YouTube production. Fortunately, Mr. and Mrs. Simmons have a daughter. On March 6, their daughter Angela filed a complaint with the FBI at against three Diamond sales agents, one in Hawaii and two in Orlando. She also filed a complaint with the FTC. Today she will refile a complaint with the BBB again asking, “What?”

You can file a complaint with the weakened Consumer Financial Protection Bureau, but since companies like Diamond and Bluegreen service the timeshare loan, members don’t even know the name of the lender unless the borrower has a lower credit score. Quorum Credit Union handles the lower score people. You have to select a lender from the CFPB drop-down menu. Timeshare companies are not an option.

Onward with complaints, they will file with the Florida, Hawaii, Minnesota and Nevada Attorneys General. The Florida Timeshare Division only acted on 110 out of 2,360 timeshare complaints from April 2012 to April 2014. Then there’s the state real estate division in Florida and Hawaii against Diamond’s Hawaii sales agent John Jessup and Florida sales agent Rafael Carerra.

If Diamond won’t help them, it’s possible the Simmons will lose not only their vacation points, but also their home, according to their daughter Angela. Angela said the $2,700 a month Diamond loan is a significant portion of their retirement income. It’s doubtful any of the filings will have an effect. Angela is surprised all of this is like a ten hour a week part time job.

Like Kevin and Brenda Hopkins, the Simmons are supported by Whistleblowers of America, an organization dedicated to seeking justice for military and government workers.

Kevin and Brenda Hopkins describe their extraordinary sales pitch:

Some Peasants Revolt

By Eron Grant and Irene Parker

Friday March 9, 2018

meeting in office

Mr. Clements, Mr. Nusbaum and Mr. Roth,

We are educated professionals, two among thousands demanding accountability, transparency and respect. Two of 44 Timeshare Advocacy Group™ advocates who have listened to 326 Diamond members allege predatory sales tactics that has caused financial disaster for hundreds of families, the possible loss of Military Security Clearances, ruined vacations, ruined honeymoons, damaged credit reports, members alleging they were over promised and oversold on availability, the ability to sell points, pay maintenance fees with programs that do not exist, the ability to rent points and the ability to lower interest rates, as in the case of Active Duty Navy members Amanda and George Jones.

Lawmakers are beginning to listen, a few Attorneys Generals are listening (not Florida or Nevada), regulators are listening, and the FBI is listening. ARDA is not listening.     

Sure, there are 9 million happy timeshare owners who own and enjoy their timeshare. They might not have been affected by a life crisis, only to learn their timeshare has no secondary market, or been sold or up-sold by a deceitful bait and switch. By your own accounting, 83% of timeshare owners are happy. That leaves 1,530,000 members that are not happy. Over 900 Diamond members complained to the Arizona Attorney General’s office accusing Diamond and their sales agents of violating Arizona’s Consumer Fraud Act. Complaints to our Advocacy Group have not diminished since Arizona Mark Brnovich issued an Assurance of Discontinuance. The AOD is linked at the bottom of the press release.

Early complainers consisted of over 1,000 British Diamond members crying foul.

DRIP Enjin:

Our Diamond Resorts Owners Advocacy Facebook launched by an economics professor has over 1,000 members. It’s hard to find Disney Vacation Club complaints.

Here’s what happened to Mark and Eron   

YouTube produced by Doctor and Ms. Mark Grant

Our Timeshare Nightmare of a Lifetime

My husband Mark and I have kids. We are working professionals. We said we need to travel close to home. Our Diamond sales agents said, “No problem!” Grapevine, Texas Great Wolf Lodge sounded great! It was a bait and switch….

Most people don’t pull their kids out of school to take them to Great Wolf Lodge, so we searched Friday to Monday three nights:

April 6 – 9 Family Suite (6)

19,700 DRI points required @ $.22.5 maintenance fee $ = $4,432 for three nights.

As opposed to April 6 – 9 Family Suite


101.67 ($33.89 per night service fee)

106.59 (13% tax)

$1,028.23 for three nights

This is not an ARDA’s Code of Ethics concern? I ask again:    

red dress

What ARDA Code of Ethics?

The ARDA Code of Ethics was designed to encourage an honest and fair competitive landscape for the vacation ownership industry, while upholding the highest forms of integrity, dignity and propriety.

Let’s review this Code. I actually read it.

Code of Ethics: Frequently Asked Questions

Question:  Why does ARDA have a Code of Ethics?

Answer:  ARDA and its members are committed to the highest standards and ethical behavior in vacation ownership. To demonstrate that commitment, all ARDA members as a condition of membership must agree to comply with the ARDA Code of Ethics. The Code consists of not only general conduct requirements, but also specific requirements for members to adhere to when transacting with consumers, standards for disclosure of information to the public, rules regarding resort management, base guidelines for resale activities, as well as administrative procedures for interpretation and enforcement of the Code.

Note from Eron and Irene: Diamond points have no resale activity. We think this is something a consumer might like to know before signing a perpetual contract.


What can be done to a (an ARDA) member whose actions are in violation of the Code?

Answer:  If a member is determined to be in violation of the Code (of Ethics), ARDA may take the following actions:

  • Privately or Publicly Admonish the Member
  • Prepare a Letter of Censure
  • Place the Member on Probation
  • Suspend the Member from ARDA Membership
  • Terminate the Member from ARDA Membership

Note from Eron: In addition to Diamond members giving ARDA ROC a million dollars a year, Diamond President Ken Siegel sits on ARDA’s Board of Directors. Diamond members are billed $7 for a “voluntary opt-out” donation from members who in all likelihood cannot even tell you what ARDA ROC stands for. I know I had no clue what the letters ARDA ROC stand for.    

Question:  Who do I contact if I have questions about the Code?

Answer: After reviewing the provisions of the ARDA Ethics Code, if you have questions, please call 407-245-7601 and ask to speak to the ARDA Ethics Administrator, or e-mail

Note from Eron: After waiting 4 months for a response from Julie Schwartz (not Lobbyist and General Counsel Robert Clements because he would not take my call), I’m not feeling optimistic about making a phone call to ARDA’s Ethics Administrator. The fact you have to email customer service is not a good sign.

Note from Advocate Irene: I have sent ARDA about 100 of our most grievous complaints from Diamond Resorts members, seniors in fear of losing their home, military members in fear of losing their Security Clearance, alleging they were victims of fraud for profit. Not a word other than through the timeshare grapevine, “She’s writing articles for people.” No I’m not. I edit articles submitted to Inside Timeshare.

Inside Timeshare has received 340 reader complaints, 78 since January 1. Our Diamond Advocacy Facebook page has over 1,000 members, Bluegreen members’ Facebook 800 (they are trying to keep their membership below 800).

Question: Does ARDA support the consumer?

In our opinion, only when the issue at stake is in line with developer’s wishes. One Advocacy Group banned ARDA from attending their meetings after a 2015 Florida bill was passed making it more difficult to get out of timeshare contracts due to nonmaterial errors.

If the wishes diverge, lobby dollars go to work:

Question:  What does ARDA do with the information it receives from the general public regarding the potentially unethical conduct of its members?

Note from Eron: Nothing – My non-response from Julie Schwartz, ARDA-ROC Consumer Support representative serves as an example:

Answer:  ARDA does not mediate or arbitrate individual disputes between consumers and ARDA member companies. When we receive information regarding a potential violation of the Code we forward those complaints to the company for their consideration and resolution.

Note from Eron:  Who sits on your board and gives you a million dollars a year.

It is then up to the respective parties to resolve any potential dispute. Information submitted by the public may be used by ARDA to act against members when there is a consistent pattern of business practices that are in violation of the code.

Note from Eron: What about the 900 Diamond members who complained to the Arizona Attorney General? Better Business Bureau lists over 1,000 complaints.

Don and Irene Parker’s Diamond experience:

Like Eron, we purchased points for a specific location, New York City. Our daughter lives there. Like Eron, we learned it would cost approximately $8,500 in  Diamond maintenance fee dollars to stay one week at the same hotel, same time for $950 through an online booking service. I checked year round.

Next, we attended a predatory sales presentation at Diamond’s Grand Beach in Orlando. I spent three decades in sales selling everything from pianos to stocks and bonds. I know a predatory sales agent when I meet one. Thoroughly disgusted, we went back to our room at Mystic Dunes, turned on the television, and saw the Queen of Versailles, a FOX News Property Man segment about Jackie and David Siegel, the owners of Westgate timeshare building their 90,000 square foot home. We were in the process of moving from Kentucky to Venice Florida, so it just seemed natural to write an article called “The peasant of Venice and the Queen of Versailles” describing wealth out of touch with reality.

One true benefit of owning Diamond points has been developing relationships with other professionals, over 1,000 of us, who have bonded together like a band of brothers and sisters, to fight widespread timeshare corruption we feel is so ingrained in the timeshare industry, it is accepted and considered normal, kind of like #metoo or sexual abuse, as happened at Michigan State. Look how long that went on.

At least timeshare members are finding each other now, no longer silenced and isolated. When timeshare members need a voice, they can contact Inside Timeshare. We can help.

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.


If you need any information about this or any other article, company that contacts you or you have found on the internet or advertising in the press, then contact Inside Timeshare and we will point you in the right direction.

It pays to do your homework and due diligence before engaging with any company, not all are what the say.

Have a great weekend and join us next week.



Friday’s Letter from America

Welcome to this week’s Letter from America, today’s article is not from our very own Irene Parker but submitted by another contributor Kevin Hopkins and his wife Brenda Hopkins, ex-Air Force, in the light of this article and the recent news regarding the President’s son in law, Inside Timeshare asks our readers the following:

How do you feel about Apollo‘s $184 million loan to Jared Kushner, no matter the side of your political aisle, knowing there have been over 30 members of the military and law enforcement who have filed complaints similar to Kevin and Brenda Hopkins, people who have put their lives on the line for us, alleging timeshare deceit.

Scotty Black, retired Navy, currently working in law enforcement, worried about his Security Clearance. Active Duty Navy couple George and Amanda Jones, worried about their Security Clearance,  previously published articles. Terry and Roxanne Hurley, 26 years Canadian army lost their entire life savings. Does Diamond care? Does Apollo? “You signed a contract.” It doesn’t matter what the sales agent said. Too many others to mention in an introduction.

Roxane and Terry Hurley lost their entire life savings

Samuel Melendez

Amanda Jones

Use our comments section to leave your thoughts, now on with Kevin’s story.

Diamond Apollo Points – An Investment Opportunity!

Think Again!


March 2, 2018

By Kevin Hopkins, Retired Air Force, Electronic Warfare

And Brenda Hopkins, Prior Air Force, Avionics

Our Diamond ownership:

Liki Tiki Orlando FL, deeded week with 2250 points (4500 every odd year)

Purchase price in 2010: $10,971

Maintenance fees: $747

Our Diamond membership:

3000 Diamond points purchased Jan 15, 2017 in Orlando

Sales agent: Sofiane Mannai

Purchase price: $14,100 including $2,951 charged to a Barclay card the same day

Amount financed through Diamond Financial Services: $11,643 @ 16.99%

Maintenance fees: $960

About a month after purchasing 3000 Diamond points, we realized things were not quite right. After a year, we realized we made a bad mistake. Yes, we signed a contract. The thing is though; almost everything we were told was NOT TRUE.

What Happened to Us – Our YouTube:

In January 2017, when we met with sales agent Sofiane Mannai at Grand Beach in Orlando, we told him that our biggest complaint about our Liki Tiki timeshare was increasing maintenance fees, over $700 for points we rarely used. Mr. Mannai had introduced himself as an Apollo Customer Service Representative. Mr. Mannai said we could lower, or even eliminate, our maintenance fees if we bought 3000 additional Diamond points. He said that with the additional points, we would become Platinum Members because we would be over 5000 points. “As Platinum members you will be able to sell back annually unused points at a rate of $.50 per point. The money can be used to pay your maintenance fees or whatever you want to do with it,” he explained.

However, Mr. Mannai wasn’t done. He went on to tell us that if we were not happy, starting January 2018, DRI will buy back our points because Apollo wants happy investors. Apollo Global Management is the private equity firm that had recently purchased Diamond. Mr. Mannai said Apollo wants Diamond members to feel that their Diamond points are more of an investment than a prepaid vacation that you may or may not use. Apollo/Diamond loves to buy back points at the price we were paying for them ($4.70) because Diamond can turn around and resell the points for $8 or $9. “It is free money for them. Also, Diamond points are going to be easier to use because Apollo is so big – travel sites are going to start using them like currency. All the major travel sites will have an option to pay for services using Diamond points instead of credit cards!” he added

We asked how much our maintenance fees would go up. “With 3000 more points, your fees would likely double, but think about it – if you sell back all 5000 of your points for $.50 a point, that is $2,500. You’ll be able to pay all of your fees and still have some leftover. Where else could you get such a good return on your investment? But you have to be at Platinum to use this program,” he further explained.

Let me backup at this point and say that we enjoyed our Liki Tiki timeshare but we rarely used it. This would provide a way for us to keep Liki Tiki and use it only if we wanted to. When we didn’t use it we could sell back points to avoid maintenance fees. This would be perfect for us.  

He gave us a timeline that Apollo would be rolling out these changes. This was done verbally of course. I remember because I wrote it down so that I would remember. I now suspect this timeline was a way to ensure that we waited past the rescission period before we complained. The “points as currency” program was scheduled to begin March, 2017, the $.50 per point buyback option June 2017, and the buy-back program January 2018. “These programs are still being implemented by Apollo, so it will not be in your paperwork,” Mr. Mannai added. He also said we were lucky to be receiving this offer now, before Apollo’s new benefits are announced, because the price will certainly go up once that happens.


Yeah, we fell for it. We fell hard. We spent $14,100 for 3000 points.

Our first surprise came about a month later when the additional points showed up in our account. We were not Platinum members. We did not have one account with 5250 points. We have two accounts, the original Liki Tiki 2250 points and the additional 3000 points. The phone calls began. We learned 5000 points is not Platinum loyalty level. Platinum requires 50000 points. The accounts cannot be merged because they are vastly different, one being a deeded account and the other a US Collections account. You cannot combine the points. I have tried. Also,

  • There is no program to buy pack points at 50 cents a point
  • There is no program to buy back timeshares from unhappy owners
  • All travel sites do not accept Diamond points as currency

The only honest thing Sofiane Mannai told us was that our maintenance fees would double. They actually more than doubled.  Furthermore, there is absolutely zero resale value for Diamond points. We can’t even unload it.

We are not alone


Since January 1, there have been 31 similar complaints filed by Active Duty Military, Military Veterans and members of law enforcement or retired law enforcement. Some of their stories are chilling. All of their stories should be a major concern as some of our older veterans are tricked into losing most, if not all, of their retirement income. Some Active Duty members are in, or near to being in foreclosure, affecting their Security Clearances and careers. Many of their stories can be found on such as this one by former Navy member, Scotty Black. In it, he also links several more stories. Note that the number of complaints he refers to has gone up since his article was published.

These 31 complaints are just the ones I know about. Many more report aggressive Diamond timeshare sales tactics. If you have been reading Inside Timeshare articles, then you probably know that Arizona Attorney General Mark Brnovich launched an investigation against Diamond Resorts in which a settlement was reached and an Assurance of Discontinuance issued.

Members who filed complaints described the same sales misrepresentations that we experienced in Jan 2017. Another class action lawsuit was filed against Diamond, this one in Nevada where Diamond’s headquarter is located.

For us the hits kept coming… Since we bought the 3000 points early in 2017, we had to pay the 2017 maintenance fees. In March we got a bill for $956.

In November 2017 we received a bill for $960 for the 2018 maintenance fees on the 3000 points and of course the $747 for the timeshare bought at Liki Tiki.  

Alas, there was good news coming our way. In January 2018 I began talking to Diamond employee, Amanda Rody. She said we could finally merge our accounts.

All I had to do was purchase 2500 more points. We’re not making this up.

If I didn’t, our accounts would stay separate. I would have them FOREVER, and at least one of them would be passed on to my children along with the maintenance fees. We did not purchase more points, but we still have her offer in an email.

calling cs

So….what did we do?

I started doing a lot of research and, like I said, we are not alone.  Eventually, I found this Facebook group.

There are literally hundreds (983) of members in our advocacy group with similar stories. If you are reading this and have an experience with Diamond, this group is worth a look.

We have gained the interest and support of Whistleblowers of America, an organization that seeks justice for military and government employees.

On January 27, 2018 we filed a complaint. We asked for a refund. It was immediately shot down with the typical “Sorry, you signed a contract.” The DRI Hospitality Consumer Advocates even scanned in little pieces of the contract I signed to show me what I signed. Diamond must instruct them to hide behind the contract’s fine print to side-step the true issue of sales agent misrepresentation.

A little more research and it turns out that what we experienced meets the FBI’s definition of white-collar crime, defined as “deceit, concealment, violation of trust and bait and switch.” The FBI has advised timeshare buyers who feel they were a victim of a bait and switch of a serious nature, like ours, to file a complaint at and to file a complaint orally by contacting their local FBI field office (prompt #4, then prompt #3 white-collar crimes). It is not legal for companies to use fine print to allow sales agents to make false claims. In addition to filing a complaint with the FBI, we have filed a complaint with the Better Business Bureau.

We will file a complaint with Florida’s Attorney General since that is where we purchased, and the Nevada Attorney General since that is where Diamond’s headquarter is located. We will file a complaint with Florida Real Estate Division against Sofiane Mannai. We are looking into how to file with the Military Complaints Board because there are protections that can and should be put into place to protect our Military and Veterans from predatory sales practices.

We are military. We fight back.

support troops

Thank you Kevin and Brenda, your story is becoming a recurring theme at Inside Timeshare, on a daily basis we are receiving more and more complaints. The US team are becoming overwhelmed with similar cases, so a great big thank you to all the volunteers who work so hard to get some justice.

If you need help or advice then contact Inside Timeshare, please let us know if you are a US or European member so we can direct you to the right team.

Have you been contacted or found a company on the internet and need to know if they are genuine and will what they say, then contact Inside Timeshare and we will help you to check them out. Remember doing your homework will keep you and your money safe.

Have a good weekend and join us next week.



The Tuesday Slot with Irene



Reported 22/2/18

All of the schemes have one goal: to trick and deceive senior citizens into turning over their hard-earned savings.

A coordinated law enforcement action aimed at those who prey on senior citizens has resulted in charges against more than 250 subjects who collectively victimized more than one million mostly elderly Americans.

“The Justice Department and its partners are taking unprecedented, coordinated action to protect elderly Americans from financial threats, both foreign and domestic,” said Attorney General Jeff Sessions. “Today’s actions send a clear message. We will hold perpetrators of elder fraud schemes accountable wherever they are.”

Using a variety of scams, criminals charged in the nationwide sweep caused losses of more than $600 million. The cases, which spanned the globe and claimed victims in every U.S. state, include criminal, civil, and forfeiture actions and were coordinated through local, state, and federal law enforcement agencies and international partners.

Elder fraud “is a serious and growing threat,” said David Bowdich, acting deputy director of the FBI, who attended a press conference at the Department of Justice in Washington, D.C., with other federal law enforcement partners to announce the results of the nationwide sweep and to encourage victims to come forward.

Last year, the FBI opened more than 200 financial crime cases that involved elderly victims, Bowdich said. The investigations covered a range of crimes, from investment frauds to reverse mortgage scams. Often, the cases involved “outright theft by people the victim should have been able to trust, to include their attorneys, financial advisers, and, even more egregious, their guardians and caregivers.”

Ten Testimonies from Rick Casper Customers

#10 A surprise $170,000  1099c this tax season

Elder Abuse Part II

Elder Abuse Part I by Gay Hart-Brewer

Gay’s Story

Consumer Protection Week March 4 – 10

Rick Casper said there was a meeting and the new people that bought Diamond (Apollo Global Management) said since there were so many members wanting to sell back points, Diamond was now allowing this, but in order for us to sell our points back to DRI we would need to buy more points.

The new payment is $2,276.05 and almost equals our net income

The old payment on the Hawaii points was $413.

Retired Army, age 69, taught 21 years biological, nuclear and chemical defense

Roy Simmons, another veteran speaks out about timeshare sales

Rick Casper complaints reported to Timeshare Advocacy Group™

By Irene Parker  

February 27, 2018  

Inside Timeshare has received 315 Diamond Resorts complaints since we began counting late 2016. Ten are Rick Casper complaints. Inside Timeshare reached out to Diamond Resorts for comment but they did not respond. ARDA has been copied on all serious allegations reminding them of their Code of Ethics. ARDA has never responded. Diamond members donate $1 million a year in “voluntary” “opt out” donations on maintenance fee invoices to ARDA ROC. When questioned, not one member could tell me what ARDA ROC even stands for.  

The FBI has advised us, timeshare buyers who feel they were a victim of bait and switch of a serious nature (like the members reports in today’s article allege), to file a complaint at and to file a complaint orally by contacting their local FBI field office (prompt #4, then prompt #3 white-collar crimes)

Fraud for profit: Those who commit this type of mortgage fraud are often industry insiders using their specialized knowledge or authority to commit or facilitate the fraud. Current investigations and widespread reporting indicate a high percentage of mortgage fraud involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals engaged in the industry. Fraud for profit aims not to secure housing, but rather to misuse the mortgage lending process to steal cash and equity from lenders or homeowners. The FBI prioritizes fraud for profit cases.

rick casper

Rick Casper

Danny Wolfer

We begin with number ten, the most recent Rick Casper complaint, because this complaint is particularly timely as April 15 looms, the deadline to pay income taxes in the US. When a loan is forgiven it is reported as “forgiven debt”, a form of income, so Mr. Wolfer’s $170,000 1099c is worrisome, to put  it mildly.

A lawyer I spoke with, who asked not to be identified, said you can negotiate with the timeshare company as part of the settlement, not to issue a 1099c. In this case Mr. Wolfer worked through one of those “get you out of your timeshare” companies, but I can find very little about the firm he worked with and their website was not accessible. Foreclosure might have been the better choice. I’m not an accountant, but according to, there are six exceptions to paying income taxes on forgiven income. Timeshare debt is not one of them.

Timeshare Master Closers typically earn $1 to $2 million per year in income. As a former stockbroker, I am not against earning and gathering great wealth, but not in a fashion described by those listed below. I will believe a veteran or an active member of the military or law enforcement over a timeshare sales agent any day. We have referred 31 active duty military, served, or retired military and members of law enforcement to Whistleblowers of America, an organization dedicated to seeking justice for military and government workers.

Ten Rick Casper complaints

#45 (10) Danny Wolfer, age 70, 100% disabled, Vietnam veteran

(2/23/18 complaint) The first #, #45, is the order Rick Casper appears in 45 Polo Towers/Cancun Resorts Las Vegas complaints directed against several agents. The second number is 1 – 10 Rick Casper Complaints.

In 2016 we went to Vegas and stayed at Cancun resort. We met with Rick Casper. We were already platinum members at 50,000 points but Mr. Casper said if we could do this upgrade it was possible to use our points to pay the maintenance fees, but maintenance fees increased after the upgrade from $5000 to $16,000. I had been in the hospital with congestive heart failure so not thinking clearly and we were kept for five hours. When we got home we realized what happened. Rick Casper said it would cost $198,000, $2500 a month in payments for the next 10 years but after ten years we would have no maintenance fees and no loan payment. Rick Casper said, “Then the little people will be paying for your vacation.” He said it would take a year to a year and a half to set up but he would personally handle it.

I ended up paying a company $1500 in Branson MO that helps get people out of time shares, which they did; but now DRI has issued me a 1099c which has to be claimed as income. It’s for around $170,000. I’m 71 years old. I feel like they (Rick Casper and the “get you out of your timeshare company”) took advantage of me. I would have been better off foreclosing.

#1 (1) Age 68 Coast Guard veteran Platinum upsell by Rick Casper:   We had purchased eight DRI contracts, disputing only the last upsell because Rick Casper told us he would sell points for us if we had to, but we had to purchase these last additional points. We asked if we could combine the nine contracts for easier accounting. Rick Casper advised us not to combine contracts as it would be easier for him to sell in small lots like, for example, when people want to upgrade from gold to platinum. Gold is 30,000 points and Platinum is 50,000 points. We purchased 20,000 points July 2016 for $55,200. When we attempted to contact Rick Casper the email went to DRI VP Dan Percy who said Rick Casper is not receiving emails. (Almost resolved so not identified)

#8 (2) A stage 4 cancer victim was told to buy more points by Rick Casper as they would be able to sell the points to help pay for medical bills and Rick Casper told us he would be able to help sell them. (Resolved after numerous rebuttals)

#13 Age 60 (3) $117,000 loan – December 29, 2016 – Rick Casper said DRI never allowed you to sell points. This will allow you to sell points. He knows real estate people to get $5 on resale for DRI points. New members are paying $9 so if you buy at $4 it is easy to sell. He had contacts he could set us up with. We were given Rick’s personal email at the sales presentation. Rick Casper said only Legacy owners can sell points. When we attempted to contact Rick Casper he said he could no longer use his personal email and that VP Dan Percy would handle us from now on. (Resolved)

#14 Age 69 Gulf War veteran disabled (4) $142,000 Loan – Couple did not know until they returned home that Rick Casper January 22, 2017 had sold them $142,000 worth of DRI points and had charged $17,000 to a Barclaycard for the down payment. (Resolved)

#17 Age 61 (5) my complaints are against Rick Casper. I told Mr. Casper April 2016 I was not able to use all the points I had because I lost my best friend I used to travel with and no longer desired to travel like I did before. I had 50,000 Diamond points prior to meeting with Mr. Casper. I explained I owned more points than I can use. He told me the 50,000 points I currently owned were worthless but if I bought an additional 25,000 points I would be able to sell any of my points for $2 to $4 per point. He called this an exit strategy. Mr. Casper said on at least four occasions I was eligible for a “Pool Party” upgrade that would provide an exit strategy. He said the program was about to expire so I needed to write a sentence that said I wanted to do this and he would get the purchase approved. I never received a copy of the sentence. The purpose of the purchase, according to Mr. Casper, was to make my existing points more valuable. Mr. Casper went on to explain that this exit strategy would allow me to monitor and sell points. He mentioned that he is a family man and does not want to pass his points and maintenance fees on to his kids. He repeated several times “this is your exit strategy”.  I was referred to VP Dan Percy who said he would get back to me. (Resolved)

#20 Age 66 (6) $75,000 July 2016

Sales agent Rick Casper

Mr. Casper said on at least four occasions I was eligible for a “Pool Party” upgrade that would provide an exit strategy. He said the program was about to expire so I needed to write a sentence that said I wanted to do this and he would get the purchase approved. I never received a copy of the sentence. The purpose of the purchase, according to Mr. Casper, was to make my existing points more valuable. Mr. Casper went on to explain that this exit strategy would allow me to monitor and sell the points. He mentioned that he is a family man and does not want to pass his points and maintenance fees on to his kids. (Resolved)

#21 Samuel Melendez Age 69 (7) October 2016

Army veteran, 21 years taught biological, chemical and nuclear defense

I am asking for our loan to be cancelled for our last purchase of 107,500 points from Rick Casper at Polo Towers. We previously purchased 50,000 Hawaii points in November 2016 and had no complaints with Diamond.  Having bought point three times we did not expect a Diamond sales agent would outright lie.

In Las Vegas at Polo Towers we met with Rick Casper and told him we were afraid of passing our points on to our children. Rick Casper said there was a meeting and the new people that bought Diamond (Apollo Global Management ) said since there were so many members wanting to sell back points, Diamond was now allowing this, but in order for us to sell our points back to DRI we would need to buy more points. He said we would have to pay off the loan before Diamond would buy our points back. He said he had to transfer our Hawaii points to the US Collection points.

Mr. Casper said to put down that our income was $120,000 each on the loan application. I said that was not true. Rick Casper said to put it down anyway. I asked Mr. Casper if I would need to pay the maintenance fees. He said we would not have to worry about that. After we got home we received a bill for $17,500 for maintenance fees. He did not explain that the $15,000 would be placed on the Barclaycard which was put on Delores (age 81) card.

November 2015 50,000 points purchased for $121,650 in Hawaii

10/21/2016 $163,525 for 107,500 points purchased from Rick Casper

Down Payment $15,000 Amount financed $151,078.93

Equity from 65,000 points transferred from US $128,196

Loan Balance: $143,931.27 as of October 2017

The new payment is $2,276.05 and almost equals our net income

The old payment on the Hawaii points was $413

#22 age 56 (8) $132,000 August 2017

Sales agent Rick Casper

“The main benefit that he presented was the ability to convert points directly into cash at $0.30 per point. If at any time during the year we had leftover points we could be reimbursed for those points in cash.  All we had to do was contact Dan Percy and he would process the transaction and put the money on our reloadable Visa card.” I continued to ask questions about each benefit so that I would be certain.  I worded questions differently to see if I would get the same answer.  I threw out this scenario; “If at the end of the year I have 30,000 points still sitting in my account, you’re telling me that I can get reimbursed cash for these points at $0.30 per point.”  His response; “Absolutely – You contact Dan Percy and he will load $9,000 onto the Visa card.” We purchased 40,000 points to get us to the level of “Super Platinum”. (Resolved)

#44 (9) Referred by one of the 1 – 10 above supposed to call us soon.

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

Timeshare Advocacy Group™Members Helping Members tired of “Kind Regards”


Inside Timeshare receives on a daily basis complaints such as this, not just from the US but also from Europe, these type of sales practices need to end. The timeshare industry is destroying itself, if this keeps up there will no longer be an industry.

If you have any questions or comments on this or any other article published, or you just need some advice on any company that has contacted you or even thinking of doing business with, then contact Inside Timeshare for the best advice available.



The Tuesday Slot with Irene

Here we are with another Tuesday Slot with Irene, this week it is all about “Whistleblowers”, those who decide they need to tell the inside truth about companies, organisations or even politicians. Inside Timeshare has highlighted this topic before, without them we would never know the truth. But first a quick look at Europe.

We started this week with a warning about the scam involving clients of Ramirez and Ramirez, our old friends from the Costa del Sol, this one had an unusual twist as it involved the Supreme Court in Portugal. We are used to seeing letters supposedly from Spanish Courts, maybe because they have been highlighted this so often the “fraudsters” have decided to take a different angle.

There is still no news on the sentencing of Dominic and Stephanie O’Reilly of EZE Group, last year they pleaded guilty at Birmingham Magistrates Court, they were sent to the Crown Court for sentencing as the powers of the Magistrates Court were deemed insufficient due to the severity of the offences. When we know what they receive we will let you know.

We are still receiving emails from clients of the Mark Rowe companies being investigated by the South West Police, Regional Organised Crime Unit, that they have been contacted by the Police and are making statements. This is obviously a huge investigation and will take some time, we will keep you informed of any developments.

To finish off the European news this has just come in from the courts in Maspalomas.

The Court of First Instance Number 4 has issued their latest sentence against Anfi, The judge has declared the CLA clients contract null and void and ordered the return of over £26,000 plus legal Interest. This is another blow to Anfi and the CEO’s claim they are not losing in the courts!

Now for the Tuesday Slot with Irene Parker.

United in Speaking Truth to Power

remember vets

A borrowed headline from Whistleblowers of America

Press release

February 20, 2018

Introduction by Irene Parker

The Whistleblowers of America press release below describes alleged misuse of power. Seekers of justice and fair play seek to change corporate and/or government corruption. Deceit can become ingrained and accepted. It becomes the norm until those brave and determined enough to fight back, strike back.

Vivieca Wright Simpson, VA’s third-most-senior official, altered language in an email from an aide coordinating the trip to make it appear that Shulkin was receiving an award from the Danish government, then used the award to justify paying for his wife’s travel, Inspector General Michael J. Missal said in a report released Wednesday. VA paid more than $4,300 for her airfare.

Inside Timeshare has connected 31 active duty and retired military and law enforcement members, alleging they were a victim of timeshare fraud for profit. Whistleblowers of America is dedicated to seeking justice for this population.  

Five members of our military and law enforcement group are worried about losing their security clearance, including two who have published articles:

Amanda and George Jones

Scotty Black

I have highlighted the following excerpts in red from the Whistleblowers of America press release below, noting similarities between what VA workers and timeshare victims confront when power and wealth seek to destroy individuals and families by way of corporate greed and misuse of power.

First, several VA employees noted that their cases have lasted from three to eight years while investigations continue – far greater than the 6 months it took to investigate Shulkin. However, some have reported that the OIG never even responds to their complaints.  They have called repeatedly, but their reports of fraud have not been investigated.

It takes at most a day to buy a timeshare, but weeks, months and sometimes years to cancel a timeshare contract. There are endless rebuttal emails responding to timeshare contract fine print experts (also known as customer service representatives), regulatory and law enforcement filings, YouTube interviews, and media outreach.

Such has been the case with reports of homelessness numbers being underreported

Non-disclosure agreements and private and binding arbitration rulings have effectively swept timeshare corruption under the rug, but recent Attorneys General actions, Social Media, and lawsuits are saying, “No more.”

One whistleblower said, “If you don’t have photographs, they don’t investigate.”

If a fraudulent timeshare presentation is recorded, or the victim works for the media or for an Attorney General’s office, or has a family member working in these fields, resolution is quickly achieved.  

Another whistleblower in the Philadelphia Regional Office laments that the new Office of Accountability and Whistleblower Protection (OAWP) is being used to fire employees over production.

One timeshare company initiated the recording of Quality Assurance sessions, announced as a consumer protection. The QA session occurs after a two to eight hour hard sell sales presentation, basically a nodding, initialing and signing session. The sales session where the crimes are committed is not recorded and members have reported the recording of the QA session being used against them and some buyers coached on how to “pass” QA because they didn’t get “the letter” (that was never sent).

Several other whistleblowers report that once they are terminated or forced to resign, they can no longer afford to pay costly attorney fees. These out of pocket expenses can soar above $100,000 before settling.

The timeshare industry counts on this, knowing the amounts involved will not withstand the time and expense it takes to litigate. State enforcement is spotty at best. Federal enforcement, like the Consumer Financial Protection Bureau, is ineffective because members often can’t even select a lender when filing a complaint because payments are made to the timeshare company that services the loan, and timeshare companies are not a choice from the CFPB dropdown menu.  

A Washingtonian whistleblower familiar with the Shulkin attorneys’ fees reports that their insurance rate is $275 an hour, but other whistleblowers report spending $500 an hour on attorneys while the government lawyers defend the perpetrators of the wrongdoing.

Timeshare members are sometimes at the mercy of arbitrators, hired by the timeshare company. Arbitrators charge $400 to $500 and have a reputation of being pro-industry. If the arbitrator rules against the timeshare member, not only are they liable for the timeshare debt, they can be assigned to pay the timeshare developer’s attorney fees.

Whistleblowers have lost their homes and college tuition for their children.

The first article we wrote was about the Saldana family, transferring a $30,000 loan balance to a home equity loan, forfeiting $60,000 in timeshare points back to the timeshare company, left with no vacation, a $30,000 home equity loan, and a high school graduate starting college that year.

United in Speaking Truth to Power


601 Pennsylvania Ave, South Tower, Suite 900, Washington, DC 20004

#USTOO: Whistleblowers United in Seeking Justice WoA is a nonprofit organization assisting whistleblowers who have suffered retaliation after having identified harm to individuals or the public. Together, we can speak truth to power.  

Washington, DC, Feb 13, 2018 – USA Today reported on February 12, 2018, that the VA Office of Inspector General (OIG) found that Secretary David Shulkin inappropriately accepted gifts and travel expenses for his wife during his visit to Europe last July. After this story posted, Whistleblowers of America (WoA) was inundated by VA employees outraged by the different standards by which their leadership is held versus the scrutiny they endure.

Shulkin has hired lawyers Justin Shur, Eric Nitz, and Emily Damrau to rebut the OIG findings related to the wrongdoing.

First, several VA employees noted that their cases have lasted from three to eight years while investigations continue – far greater than the 6 months it took to investigate Shulkin. However, some have reported that the OIG never even responds to their complaints.  They have called repeatedly, but their reports of fraud have not been investigated.  

Such has been the case with reports of homelessness numbers being underreported at medical centers in the Midwest and 14,000 disability claims lost out of the Oakland Regional Office.

One whistleblower said, “If you don’t have photographs, they don’t investigate.”

Another whistleblower in the Philadelphia Regional Office laments that the new Office of Accountability and Whistleblower Protection (OAWP) is being used to fire employees over production.

Allegedly, one employee with 28 years of service has been served a proposed termination notice for recently missing production standards. However, these production standards have been a sore point with Congress over the last decade as numerous Veterans Service Organizations have testified that quality should beget quantity and for Raters to “Do it right the first time.”

Even when the OIG finds in their favor, many whistleblowers still suffer the consequences of retaliation and must take their cases to the Office of Special Counsel (OSC) and the Merit System Protection Board (MSPB) for further adjudication.  One whistleblower who could no longer tolerate the stress of months of retaliation, resigned before hearing back from OAWP.  

Several other whistleblowers report that once they are terminated or forced to resign, they can no longer afford to pay costly attorney fees. These out of pocket expenses can soar above $100,000 before settling.

A Washingtonian whistleblower familiar with the Shulkin attorneys’ fees reports that their insurance rate is $275 an hour, but other whistleblowers report spending $500 an hour on attorneys while the government lawyers defend the perpetrators of the wrongdoing.

While it may be affordable for a VA Secretary to hire three counselors to battle his own OIG, most VA employees who report wrongdoing are GS 12 – 15s.  They quickly run through their family savings and retirement funds to fight whistleblower retaliation and if they do not reach settlement and damages, then the financial losses have impacts for several years. Whistleblowers have lost their homes and college tuition for their children.

And for those who are not terminated, remaining employed often means being marginalized to lesser assignments, lost pay or advancement opportunities, privacy invasions, poor performance evaluations that mar personnel folders, which then obstruct their ability to compete for other gainful employment. Even attempts at Alternative Dispute Resolutions that can resolve conflicts at the most internal levels are fraught with impartial mediators, lack appropriate decision-makers and can be non-binding, so costly when final arbitration is still needed at a higher level. Whistleblowing has been labeled “career suicide.” When you are not the VA Secretary or other senior leader, life gets tough when harmful disclosures are made to the OIG.

WoA is a 501C3 that provides peer support to whistleblowers because retaliation has consequences that can result in depression, anxiety, substance abuse, divorce, post traumatic stress disorder (PTSD) and suicide, as USA Today once reported in the case of psychologist, Chris Kirkpatrick.  He died by suicide after reporting overmedication of patients at the Tomah VA Medical Center in Wisconsin and was fired.


Jacqueline Garrick, Executive Director


Thank you Irene and Whistleblowers of America, a very interesting article.

If you have any information regarding the practices in the sale of timeshare and want the world to know the real truth behind the industry, then Inside Timeshare welcomes any information you can share.

Been contacted by a firm and want to know who they are, or if they are genuine? Then contact Inside Timeshare for honest, truthful and impartial help and advice.