In this week’s Tuesday slot Irene Parker looks at another military family who have fallen foul of deceptive sales practices. As usual Irene sent a draft of the article to Bluegreen for comment, at the eleventh hour, Bluegreen responded.
They have offered to cancel the loan, so fair play to them, Inside Timeshare thanks Bluegreen for taking note. The article has been changed in light of this, but is being published as a warning to other consumers to be aware and do their due diligence. Irene will also be writing a follow up article on Bluegreen’s response to the BBB.
Another Military Family Wages War against Timeshare
Will Bluegreen Honor those whose sacrifice is so great?
Terry and Linda Carter
By Irene Parker
Terry Carter served his country in Iraq and Afghanistan. He was discharged for medical reasons. Burdened with caregiving, Linda Carter reached out to Inside Timeshare for help. The family alleges they were sold a Bluegreen timeshare by deceit and a “bait and switch” told the timeshare would be easy to sell for a profit.
After filing a Better Business Bureau complaint, Linda was informed December 11, 2017, their loan would be cancelled, but they would not receive a refund. One reason listed was because they had used their points. What does use of the points you had been paying for, have to do with being told you bought the timeshare on the promise that the points would be easy to sell? This is one of the most common complaints voiced by our readers.
The oral representation clause included in all timeshare contracts states: “I did not rely on any oral representation to make my purchase.” This translates to “Never believe anything a timeshare sales agent says.” The family tells their story hoping to warn others to think twice before buying any product that can’t be sold, or if sold, brings only pennies on the dollar.
Linda was initially upset because she thought a loan cancellation would only stop the phone calls, but the hit on their credit would prevent them from obtaining a loan through the VA to buy a house. The representative ended their conversation saying she would love to help them book a vacation though! Linda was astonished. Terry has been diagnosed with blood cancer common among vets living near a burn pit.
I told Linda about the class action lawsuit Mike Finn of the Finn Law Group initiated that resulted in over 11,000 Bluegreen members getting foreclosed changed to “charged off” on their credit report.
“Several developers are using a similar trust based hybrid product like Marriott’s. I think Bluegreen may have initiated it originally, but don’t hold me to that. Yes, the products are very similar. I felt Bluegreen was intentionally hurting their defaulted owners with their credit reporting as ‘foreclosures’, when I knew this was incorrect for the same reason as the allegations in the Marriott lawsuit, namely that the interest the ‘owner’ ends up with is personalty, not real estate. You cannot accurately call a personalty repossession a ‘foreclosure’ as there’s no legal procedure to ‘foreclose’ on personalty, according to UCC codes. My efforts to get Bluegreen to change were ignored; hence our litigation which resulted in at least 11,000 individuals getting foreclosures redacted from their credit reports. However, in our preparation, at the last minute, we researched the Florida timeshare act and realized Florida had anticipated our move! The statute was modified to define the Bluegreen timeshare plan as “real estate”. It was like legislating a duck into a goose,” as Mike explained in our Marriott article about the racketeering lawsuit filed against Marriott Vacation Club alleging Marriott charges closing costs and other fees associated with real estate, when the product is a right to use product, like a gym membership.
A lifetime is a long time to bet nothing will happen to make the timeshare unaffordable. Inside Timeshare has heard from 237 angry and desperate timeshare buyers of which 222 allege they were sold or up-sold by deceit and bait and switch. Almost all allege they were told their points would be easy to sell.
After 9/11 Terry volunteered to go to Iraq. He was close to retirement so he felt it was the last thing he would be able to do for his country. After he got in country, he again volunteered with six other guys to be on a team deployed to Basra where the British had a FOB.
A forward operating base (FOB) is any secured forward military position, commonly a military base, used to support tactical operations. (Wikipedia)
Terry was the lead man for the C-RAM program.
C-RAM: Counter Rocket, Artillery, and Mortar, abbreviated C-RAM or Counter-RAM, is a set of systems used to detect and/or destroy incoming artillery, rockets and mortar rounds in the air before they hit their ground targets, or simply provide early warning. (Wikipedia)
He and his guys would monitor incoming fire. Basra was one of those places where they were the only Americans so it was hard to get medicine and supplies. Terry and the guys lived in tents next to burn pits where the British burned anything that could be burned. He received a letter stating that he lived next to the pits.
Then there was Afghan. Terry was there for eighteen months until he was sent home after a diagnosis of blood cancer. He also served twenty years in the National Guard. Terry is 55 years old.
I really don’t know what else to say – he lived army ‘til he couldn’t anymore.
Terry and Linda
There are two more words to say.
Linda and Terry’s complaint sent to Bluegreen November 16, 2017
We were told in Gatlinburg at a group presentation that Bluegreen points were an investment and could be sold for a profit. My husband was diagnosed with blood cancer in 2014. We can no longer afford the timeshare and now know the agent lied about being able to sell Bluegreen points. We are not concerned that we cannot make a profit as the agent claimed, but have learned Bluegreen points are virtually worthless should a member need to sell. Bluegreen agents should not sell points based on the points being an investment. There were several in the room who heard this claim as it was made in the group presentation and in our individual meeting. Also, Cammie said all we had to do is when we got back home was go to our bank as we wouldn’t have a problem getting a lower interest rate. This was not true. Banks will not finance timeshare. Please help us.
Thank you to Linda and Terry for sharing their story. Our advocates feel that until deceit and bait and switch on the front end of the timeshare sale is acknowledged and addressed, nothing will change.
Business etiquette advice for customer service representatives (Article link not included as the article had “We Buy Timeshares” ads all over it)
- Return calls promptly. Respond to messages as soon as possible, especially if the issue is time-sensitive. If the phone message relates to a complex issue that will take time to assess, have the courtesy to touch base with the person, acknowledge receipt of the call and let them know you are working on gathering the specific information. When possible, provide a timeline for when you will get back to the caller. For example, “I received your message inquiring about when our next shipment will be available. I have several phone calls in to our distributors, and I anticipate hearing back from them at the first of the week.”
Inside Timeshare does return phone calls and emails promptly. Contact Inside timeshare or a member supported self-help group if you have a timeshare concern or would like to share your story.
If you have any comments about this or any other article published, or you are looking for help and advice on any timeshare related matter, contact Inside Timeshare. We are here to give you the truth and the best advice possible.