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The Tuesday Slot: Secret Shopper Report

Welcome to The Tuesday Slot, this week we welcome back Laurie Sabbagh with her second Secret Shopper Report, this was edited by the Secret Shopper Coordinator Pete Gibbs, with the introduction by Irene Parker. But first some Breaking News from the Spanish Supreme Court in Madrid.

British clients being represented by lawyers from Canarian Legal Alliance has just received the news that the Supreme Court have found in their favour against Club La Costa Leisure Limited. Initially their case was heard at the Court of First Instance in Fuengirola, Malaga, unfortunately this court found in favour of Club La Costa.

The CLA lawyers promptly lodged an appeal with the High Court of Malaga, this court overturned the First Instance verdict, finding in favour of the clients. Club La Costa launched an appeal with the Spanish Supreme Court in Madrid.

The Supreme Court rejected the case and the verdict of the Malaga High Court stood firm. The contract was declared null and void with the client being awarded over 28,000€ plus legal fees and legal interest.

This is a significant case as the offending company was Club La Costa Leisure Limited, a UK registered entity. This may just bode well for other similar contracts, more news on this legal aspect as and when we receive it.

The Team at Canarian Legal Alliance

Now for our Secret Shopper Report.

My Secret Shopper Report

By Laurie Sabbagh

Edited by Secret Shopper Coordinator Pete Gibbes

March 12, 2019

Introduction by Irene Parker

Inside Timeshare has received many complaints from timeshare members told they need to switch to a different program within the same company because they should not have purchased what their last sales agent sold them. In other words, sales agents within the same company sell against each other.

Heartbreaking is the experience of Navy veteran Roy Simmons and his wife Lillian Simmons. A retired letter carrier, living on a letter carrier’s pension, he ended up switching back and forth between programs until he reached $2,700 a month in Diamond Resorts loan payments. The foreclosure process took a tremendous physical and emotional toll on the family. They sought legal advice from a bankruptcy attorney as Mr. Simmons felt he had no choice but to charge loan payments to credit cards. Roy and daughter Angela’s YouTube explains how this happened. In her research Angela discovered the FBI website, which is why she expresses her opinion that her mom and dad’s allegations meet the FBI definition of white-collar crime. Roy and Angela’s February 26, 2018 YouTube:

Roy and Lillian Simmons, ages 69 and 70, Minnesota residents published March 6, 2018

Arizona representatives proposed House Bill 2639 offering protections for timeshare consumers. My experience over the last three years, reading emailed complaints and listening to 730 families report unfair and deceptive timeshare sales practices, has left no doubt in my mind as to the need for protection. I wrote an article, “Timeshare Foreclosure Explained to Lenders.” that foreclosed members can provide to future lenders. The article offers support to my assertion, listing just some of the Attorneys General investigations and settlements and lawsuits. http://insidetimeshare.com/the-tuesday-slot-18/

Bill sponsor Representative Shawnna Bolick and others who supported Arizona HB 2639, thank you. The timeshare lobby ARDA opposed the bill.   

Laurie Sabbagh’s Secret Shopper Report

I can’t believe it has been two years since my first Secret Shopper report was published March 17, 2017. I attended an update this month in Arizona thinking it had gone well until I was informed that the need to switch from my current Hawaii program to the US mainland program was likely proposed under false pretenses, based on the opinion of an ocean engineer. I want to state at the outset that I enjoy my Diamond points, find good value and absolutely love Sedona. As they say, God created the Grand Canyon but He lives in Sedona.

My first Secret Shopper report:  http://insidetimeshare.com/friday-review-news-across-ocean/

Diamond sales agent Paul said that he had worked in the industry for 22 years and had previously sold timeshares in Las Vegas. Paul and a second sales agent, Justin, asked me about the Hawaii special assessment I paid for the Point at Poipu water intrusion damage, which all right-to-use point owners and deeded week owners were assessed after Diamond bought out Sunterra. I told them that my portion of the assessment was much smaller than those of deeded week owners, who ended up being assessed about $5,800 per week owned.

Later Paul tried to convince me that the beach erosion problem at Ka’anapali Beach Club (one of four resorts part of Diamond’s Hawaii Collection), is putting me at risk for another special assessment. Paul further told me that if I were to switch to the US Collection, I would never be charged a special assessment because the US Collection is part of a trust. He insisted that this provision is in writing, but I was not provided documents to backup that claim.

One of our member-sponsored Diamond Advocacy Facebook members is an ocean engineer. He explained why beach erosion is not the responsibility of a resort, but the responsibility of the state or federal government. In a RedWeek post, a Diamond member had been advised to switch due to a 2020 special assessment:

My suggestion would be to ask Diamond for documentation to support the additional charges. For instance, it is reasonable to ask if the funding is for future flood protection that might be afforded by a beach nourishment project. If the assessment is intended for a beach nourishment project, it is likely that arrangements are in place for cost sharing between local stakeholders and government entities.  The cost and scope of government efforts are a matter of public record, and learning the particulars is typically as easy as calling the project managers.

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

Justin told me that Diamond bought out Sunterra but I was still an owner of Sunterra points. Justin said that I could apply my equity in Sunterra to the purchase price of 6,500 additional US Collection points to get me to the Silver level and bring the price per point of $9.33 to about $4 per point. We went back and forth. The last offer was for 2,000 points for $5 per point. I declined.

Later Quality Assurance representative Mark told me he used to be with Sunterra until Diamond bought them out, and my Sunterra points were automatically converted to Diamond’s “The Club” points, so I was indeed a Diamond member. This contradicted what Justin told me.

Mark offered me 20,000 points to be used within 24 months at $3,995. He said this offer is only valid to Diamond members. First, I thought it odd a Quality Assurance person was trying to sell me points, and second, the Sampler is a trial product, so available to anyone.

As I said in the beginning, I use and enjoy my Diamond points. I stayed a week at the Celebrity House in Sedona, two bedrooms, two baths, full kitchen, using “Point Saver” at 8,250 points. With all expenses considered, it averaged $260 per day. Best Western in Sedona during the same period was $300 per night for a standard room so this ended up being a huge bargain for me.

I am disappointed that the pressure to sell points is so great that agents feel forced to misrepresent. I feel Diamond has a product, and when sold properly, members benefit. It must be the pressure to produce sales that prompts sales agents to mislead in order to make a sale, but that is just my opinion.

We appreciate Laurie’s second Secret Shopper report.

Timeshare is a product in which the sales agents demand the buyer buy the same day, even though most have no intention of buying the product prior to the day of purchase. Unlike buying a car, there is little frame of reference, especially for first time buyers. Buyers usually sign a perpetual product without even having had a chance to use the product, except to stay at a resort property. Numerous members have reported not being allowed onto the booking site until after the rescission period has expired.

Learn to ask the right questions. Unfortunately, it’s advisable to not believe a word a timeshare sales agent says, based on my experience and the experience of many.

These are self-help groups we feel are not industry influenced. Social Media is here to stay, so consumers can now share experiences. Contact Inside Timeshare if you would like to share your timeshare experience, good or bad.

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you to Laurie, Pete and Irene for your efforts with this weeks article, we certainly look forward to more Secret Shopper Reports.

The breaking news today from the Spanish Supreme Court was very welcome news indeed, what a start to the day.

If you have been contacted by any company or found one on the internet or advert and want to know if they are genuine, use our contact page and we will help you find out.

Do you feel that you were mis-sold your timeshare in Spain and would like to know if you have a claim, then contact Inside Timeshare, we will check to see if you have a valid and viable case and point you in the right direction. This service is done free of charge and under no obligation.

Start the Week: Do I Have a Claim?

Over the past few months, Inside Timeshare has received many enquiries regarding claims and legal action against timeshare companies. As we know there are now many firms contacting timeshare owners informing them they have a claim against their timeshare company. Most are not even law firms, but companies setup to get on the bandwagon of claims since the Spanish Supreme Court strengthened the laws.

Spanish Supreme Court Madrid

From the enquiries received, it would appear that everyone has a claim, unfortunately that is not the case, although the purchase may have been in Spain, unless it can be proved that there is a link to a Spanish entity i.e. an SL or SA company, there may not be a viable case.

For example, one reader contacted Inside Timeshare about a Marriott purchase in Mallorca, the company who contacted them was adamant there was a claim and they could take Marriott to court. This reader contacted Inside Timeshare as they were suspicious that what they were being told was not correct, how could they know there was a claim just by the conversation on the telephone?

This reader sent copies of their documents, unfortunately for them there was no viable claim, all the documentation and payments went via Marriotts Florida headquarters. There was no Spanish link, so no Spanish court would have accepted the case. The contract even though purchased in Spain was essentially a US contract, so it was not covered by Spanish law.

We have even had enquiries from readers who have purchased in the UK, being told they have a valid claim. With many of these they have been told they can do this on a no win no fee basis, then are told they must first pay for the contract to be cancelled. The no win no fee is the enticer, the claim is unlikely to ever be paid out.

Spain has the strongest laws regarding timeshare in Europe, by comparison the UK laws are weak and favour the timeshare companies, it is a fact that the EU has issued directives on the sale of timeshare, but these are not law, they are directives pure and simple. It is down to the individual state to place the basic guidelines into domestic law.

The basic criteria for a valid claim against a timeshare contract in Spain is one or a combination of the following:

  • The purchase must have been made in Spain after 5 January 1999;
  • The contract is over the permitted 50 year duration, i.e no end date known as perpetuity;
  • Contains floating weeks or points systems which also includes fractional and “investments”;
  • Any payments made within the 14 day cooling off period, this is extended to 90 if other infractions such as any of the above are present.

These have been reinforced by the Supreme Court and all lower courts must now follow suite, they have no choice. These are civil cases and it is all down to contracts. Other laws may also be invoked, this is usually done on a case by case basis when the lawyers are preparing the case. They may include Civil Consumer Law and Mercantile Law.

The Supreme Court has also recently ruled that in the case of any payment made during the cooling off period (which includes the 90 day extension) this must be paid back double.

What would be the claim?

  • Double the deposits paid within the 14 day cooling off period, the balance only if paid after, this is the minimum claim amount. If paid within the cooling off period then double that as well. (All double if 90 day invoked), this is the maximum claim amount.
  • Added to the claim will also be the return of legal fees (this is at the judges discretion), but also legal interest is paid from the time the case is presented to court.
  • Maintenance fees may be added to the claim, but again it is the judges discretion if he awards the return.

Obviously, to enable a case to be brought, a competent and genuine lawyer is required, they also should be registered to practice in Spain and have knowledge and experience in this field.

Legal fees are also required to be paid for the work and case to be carried out, these fees are broken down as follows:

  • Translations of all documents into Spanish, interpreters if the client is required to attend court;
  • Lawyers fees, for the preparation of the case and representation in court;
  • Procurator fees, (barrister), they work alongside the lawyer and is responsible for filing the case, submitting and retrieving documents at court;
  • Court fees and taxes.
  • Notary fees for Power of Attorney, if signing in Spain this is included. If the POA is signed in the UK then that must be paid separately by the client.

The fees are calculated on the minimum claim amount, which is the purchase price, they are a one time fee, so if the case has to go to an appeal court, no further fees are requested. This system enables the client to know the cost of bringing a case in advance, unlike most systems in the UK where the legal bill for a civil case is not known until the conclusion.

They do not operate a no win no fee system, in fact even in the UK, no win no fee is not what it seems. This system usually involves a litigation funder who pays the legal bills for the case to be brought. You could say they are gambling on the case, if successful, they will take around 40% of the compensation awarded. If you lose, you could be liable for the oppositions cost, which has happened in several timeshare cases in the UK High Courts. One aspect of these no win no fee offers is they do not advise you to take out a litigation liability insurance in case you lose.

As for the prospect of losing in the Spanish courts on these cases, as long as the correct law firm is employed, which has the experience in these cases and this field of law, that possibility is very remote. Plus the correct firm would not take on a case unless it fulfilled the relevant criteria and breached the laws.

If you would like further information Inside Timeshare would be happy to help, also if you would like to have your case checked as to whether you have a valid and viable claim Inside Timeshare can arrange that free of charge and without obligation.

The documents needed would be scanned copies of:

  • Purchase agreements;
  • Terms & conditions;
  • Any finance agreements if these were provided by the sales staff at the point of sale.

If any finance was taken out and is still being paid, then if you do bring a case this still needs to be continued. Once a ruling and sentence on your case has been issued, then the finance company can be approached to have the contract cancelled and all interest returned. This can only be done at the conclusion of the case, the reason is once the court finds in favour of the client the contract is declared null and void on the grounds it is illegal, therefore, the loan agreement was used to finance an illegal product. A claim for interest may be possible if the loan has been cleared.

Once you know for certain that you have a valid and viable claim, Inside Timeshare can then make a recommendation for the best law firm for your case, they would then be able to go through costs and procedure.

Also if you do not have a case which can be taken through the Spanish courts, but have a finance agreement which you are now finding to be a problem, Inside Timeshare may be able to recommend a firm which specialises in this field.

If you have any questions regarding this article, please use our contact page and we will get back to you.

Friday’s Letter from America

Welcome to our weekly Letter from America, this week we have another “Nightmare on Timeshare Street” from yet another veteran, this now makes 99 who have been in touch with us. In this article the Sherwood Family tell their story of their dealings with Wyndham. But first the latest from Europe.

At the Court of First Instance N1 in Barcelona, Case Number 362/2017, lawyers from Canarian Legal Alliance, presented a case against Club Estela Dorada SL, Restotel SA, Medhotel Group SL  and Clubotel La Dorada SL, which is part of the ONA Group, based in Barcelona.

The breach of the timeshare laws were the contract was in excess of the 50 years laid down by law, what is commonly known as perpetuity, plus the illegal taking of deposits within the 14 day cooling off period. It seems that the companies involved tried to bypass Spanish law through the Tax Haven of Andorra, but the paperwork did show that a Spanish registered entity was involved, which put the case directly under the jurisdiction of the Spanish Courts.

Andorra itself is an independent principality situated between France and Spain in the Pyrenees mountains, it is mostly known for its skiing and being one of Europe’s main Tax havens.

Click on the link below to open the court document or click to download.

The client has now had their contract declared null and void, and will receive the following:

  1. Purchase price          70,778.07€
  2. Deposit paid              32,973.00€
  3. Maintenance fee         8,973.24€ (this is approximate as the final amount has yet to be determined)

This is a total of 112,724.31€ (approx).

The lawyer in this case was Judith Diaz Pascual, another of the young and dynamic CLA team.

Judith Diaz Pasqual

So congratulations to the client and also to the team at CLA, they are certainly making a mark on the world of timeshare.

Now for our Letter from America.

Veteran/Active Duty Service member #99 Timeshare Trapped

The “Unfair” in Unfair and Deceptive Practices

An Arizona House Bill 2639 designed to protect consumers is opposed by ARDA.

Please voice your support for this Bill by calling and writing to the Bill sponsors listed in this article: http://insidetimeshare.com/the-tuesday-slot-arizona-house-bill-2639/

By the Sherwood Family, a Wyndham Hostage

March 8, 2019

Mr. Sherwood’s YouTube:

I am sure there are plenty of timeshare members quite happy to spend hundreds or even thousands of dollars on their timeshares every month because they are getting use out of it. However, what happens when your circumstances change? You will quickly come to regret every penny you sunk into the timeshare capable of holding the member hostage for life.

Due to health issues that have been piling up over the years, my wife and I can’t use our Wyndham timeshare anymore. I spent 20 years in the service of my country and am a 75-year-old 100% disabled veteran and retired Master Sergeant from the US Marine Corps. I also have early onset glaucoma. My wife is 71 and has had total hip replacement surgery twice in the past 3 years. Our Wyndham sales agent did not tell us about the Wyndham Armed Forces Veterans Club.

We bought our Wyndham timeshare in 2014. We used it twice a year for the first three years. It never lived up to the billing our sales reps gave it but we were happy enough. We never thought twice about handing over our money because we were getting something out of it. Unfortunately, getting old is no fun. Your circumstances can change overnight. Change may come soon after purchase or arrive years down the line. When those changes come you will be hit in the face with the reality that there is no way out of your timeshare if there is a loan outstanding. You are stuck with paying for your slice of thin air out of your social security allowance until the day you die unless foreclosed.

One of the reasons for this article is that I do not take kindly to being bullied and will not be dismissed, told to shut up and hand over my money. Another reason is that I would like as many people as possible to be aware of what they are getting into before purchasing a timeshare.

I sent Wyndham my letter from the VA attesting to the fact that I am 100% disabled. They would not accept that letter, stating they wanted proof I couldn’t travel. They requested full access to my medical history. I found this an egregious invasion of privacy so refused. I went back to the VA for a letter that stated specifically that I couldn’t travel but Wyndham would not accept this. A letter from the VA stating that I am 100% disabled and cannot travel seems more than enough for Wyndham to join the dots.

Imagine what the scenario is if you are not a senior, or a veteran, or disabled – if we are being refused, how many other people with their own reasons and issues will be refused?

Wyndham stopped communicating with me when I delinked to give them access to my medical records despite me reaching out by letter and phone on several occasions. They have now sent me to collections with Pinnacle Recovery Inc. I will tell Pinnacle what I told Wyndham; they will not see a penny from me.

To confound matters, the third Stooge in this story after Wyndham and Pinnacle; Barclays Bank, want us to pay them too. When Wyndham tried to open a credit card for us, my application was refused but my wife’s was accepted. My wife receives in income less than a thousand dollars a month but after Wyndham added my social security income, military retirement and VA compensation, they made it look like she was earning several times more than she actually did. Wyndham has charged the card several times already with fees we were not aware we would be asked to pay. Needless to say, Barclays won’t be seeing any money from us either.

My advice to potential timeshare customers; use Airbnb.

https://www.linkedin.com/pulse/10-reasons-why-airbnb-better-than-timeshare-wayne-c-robinson/?fbclid=IwAR3QPmnZYAHlyox8oNdjgru1ik7Kdb0WpPOo3vC85gqCvwJ62DUyJjp70pw

My advice to Wyndham; if you can’t listen to your customers then you shouldn’t be in the hospitality business.

Thank you to Mr. Sherwood for sharing his story. If the public knew the difficulties of getting out of a timeshare, would anyone buy one? What car, boat, home, or pair of shoes would you buy that you cannot sell if there is a loan outstanding?

Here are member supported groups we feel are not industry influenced:

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you to the Sherwood Family for their contribution this week, as we mentioned at the start, this is the ninety ninth veteran who have been in touch with Inside Timeshare and the other groups. It would seem that even though they have served their country, the timeshare sales agents just do not respect that fact, they just see them as easy money. Not all the blame can be placed on those sales agents, the timeshare companies must also take responsibility for allowing their staff to get away with it.

So to finish today’s article, we are still calling on any reader who has had any dealings with Meredith Pritchard and Stephen Paul Fairclough to come forward, it is your information that will help the police get the evidence to bring Fairclough to justice. Use our contact page and Inside Timeshare will get back to you.

Have a great weekend and don’t forget be vigilant when dealing with any company that contacts you or you find on the internet or advertising in any publication.

Thursday Update

Since publishing the news that Meredith Pritchard Claims Consultants Ltd and First Law Solutions Ltd had been wound-up by the High Court, further information has been coming to light.

The perpetrator behind this claims fraud, Stephen Paul Fairclough has seemed to have disappeared, his offices at Regus House are now empty. We do know that he does have links in Portugal and is believed to own a property and lives there. So he may just have fled the UK and is living his life of luxury on the money he has swindled from countless victims.

Apparently from information received by one source, who wishes not to be identified, it looks now like the Police in the UK will not be pursuing the matter against Stephen Fairclough. From the information received the reason is that they do not have sufficient evidence. As we know to secure a prosecution and ensure a conviction in any criminal trial, the evidence must be strong and be of “beyond reasonable doubt”.

Inside Timeshare would love to see Fairclough prosecuted and convicted, so it is now up to you the readers and victims of his fraud to come forward. Inside Timeshare is in contact with one victim who would like to gather together all those affected and form an Action Group.

If you have lost money for services not provided by Fairclough, then use our contact page, send in your details and Inside Timeshare will pass them to the coordinator of the Action Group. It is only with your help that this person will ever be brought to justice.

As an update to the articles regarding Ali and Alex Farhoud and their involvement in the selling of the “Company Participations Scheme” on behalf of Silverpoint , Inside Timeshare has also been informed of “Criminal Denuncias” being filed against them (the Farhouds) with the Guardia Civil.

Our information is that two clients have begun legal proceedings against Silverpoint but they have also lodged the criminal complaints against the two Farhoud brothers who sold them the scheme in the first place. It is believed from our sources that more clients are also coming forward and more “Criminal Denuncias” are going to be made.

It must also be remembered that they are now contacting previous victims via their company Nordic Consulting Canary Islands SL, with the offer of taking legal action against Silverpoint (their former employer) and claiming back what their clients originally paid. They explain that what was sold to them was not legal, yet they are the ones who sold it in the first place, yet they claim they had no idea that it was “fraudulent”.

Now, we also know that they will be charging huge amounts for legal fees to carry out this “service”, so in reality they made large amounts in commission for selling it and are now set to make even more by offering a “legal service”!

If you have purchased these “Company Participations” or any other product peddled by Silverpoint, or have been contacted by Nordic Consulting, then use our contact page to get in touch. Inside Timeshare will then answer your questions and point you to the best solution for your situation.

We also have an update of court cases held in the Courts on Gran Canaria, all these involved Anfi and were brought on behalf of clients by Canarian Legal Alliance.

In total there were seven sentences issued, 3 by the High Court in Las Palmas and 4 by the Courts Of First Instance in Maspalomas. Again all contracts were declared null and void as the contained infringements of the Timeshare Laws as laid down by the Supreme Court. These ranged from floating weeks to perpetuity contracts, the courts awarded over 241,545€ to the clients along with legal fees and legal interest.

Then on Tuesday 5 March, another sentence was issued by the Court of First Instance of San Barlelomé De Tirajana, again this was against Anfi. This quite a significant case as the amount involved is huge.

The client in this instance is set to receive over 212,476€ plus legal interest, along with the contract being declared null and void. This will be one happy client.

The case was conducted on behalf of the clients by the Canarian Legal Alliance lawyer Adrián Diaz-Saavedra Morales, who is another of the young and dynamic team at CLA. So congratulations to them all, and keep up the good work.

Adrián Diaz-Saavedra Morales

If you need any advice with a timeshare problem or paid a company for services which you have not received, contact Inside Timeshare via our contact page. We will point you in the right direction.

The Tuesday Slot: Arizona House Bill 2639

Welcome to The Tuesday Slot, this week Irene Parker continues our articles on the Arizona House Bill 2639, with a contribution from Fran D, a Registered Nurse.

ARDA Timeshare Lobbyist Don Isaacson Opposes Arizona House Bill 2639 – A Bill to Safeguard Timeshare Buyers

ARIZONA TIMESHARE BILL PASSES OUT OF HOUSE COMMITTEE

By Irene Parker and registered nurse, Fran D

March 5, 2019

Arizona has proposed a timeshare bill to protect timeshare buyers, but this bill is being contested by timeshare lobbyists. If Arizona HB2639 passes, it would help to protect consumers from fraud and deceptive sales practices by allowing a 14 day rescission period, among other safeguards. Fran, an Arizona resident, hopes that by sharing her timeshare experience that took place in Sedona, Arizona, and Maui, Hawaii, it will help lawmakers understand what buyers face when purchasing a product improperly presented.    

Timeshare members pay $5 million in annual “voluntary” donations to ARDA ROC. ARDA is the American Resort Development Association and ROC is Resort Owners’ Coalition. Out of 717 timeshare families who have reached out to Inside Timeshare, not one member could tell me what ARDA ROC stands for.

Timeshares have little to no secondary market. ARDA ROC has launched 8 Tips to Navigate the Resale Market. I contacted 22 licensed brokers. Not one would accept a listing for my timeshare points, feeling the restrictions placed on the use of secondary points too restrictive. For the members of my timeshare company, there is no resale market. http://www.ardaroc.org/timeshare-resales-resource-center.aspx

Many of the families affected by the lack of a secondary market for timeshares have been financially devastated. The majority of our readers have reported unfair and deceptive timeshare sales practices.

ARDA – Is this is our voice?

According to ARDA lobbyist Don Isaacson:

But the bottom line, said (ARDA lobbyist) Isaacson, is that the state should not step in to protect people who didn’t bother to understand the nature of the deal.

“You read the documents,” said Isaacson. “And unless there is fraud, you are bound to that particular purchase.”

Anyway, Isaacson argued that too much is being made of the issue. He said the 250 complaints a year to the Attorney General’s Office pale in comparison to the 600,000 timeshare units owned in Arizona.

















What Mr. Isaacson doesn’t understand, is that members are bound by the contract, despite fraud, with the vast majority of complaints alleging deception dismissed with “You signed a contract.” It’s not that buyers don’t understand the product. It’s that they understand the product as it is so often deceptively presented. Three major timeshare companies have received, respectively, over 2,000, 1,000 and 800 Better Business Bureau complaints over the last three years.

When buyers complain, they are typically told they signed a contract. How many people buy cars and houses without relying on reading every word of a contract, relying on the ethics of the real estate or automotive broker? It is only in timeshare that the oral representation clause is so abused and so overused. The industry itself calls deceptive practices “pitching heat,” a term unique to timeshare sales.

There are many ways to deceive, such as:

“This is a new program, so don’t say anything because I could get fired.”

Access to booking is not allowed until after the rescission period, so reading the contract would not help.

Wait until you make a few payments before refinancing – when banks don’t finance timeshares.

Fran’s complaint, recently sent to the Arizona and Hawaii Attorneys General, was dismissed by the company, responding that there were no misrepresentations. You be the judge. She will file complaints with the BBB, the FTC, the FBI at IC3.gov and the Securities and Exchange Commission.

Fran hopes ARDA lobbyist Don Isaacson reads her complaint. She will be reaching out to the following Arizona representatives involved with the bill:

Excerpts from the complaint Fran filed with the Arizona and Hawaii AG offices:

  • We purchased 8500 points in Sedona Arizona April 24, 2017.
  • Purchase price: $29,955.00
  • Down payment: $6,150.00
  • Amount financed $23,805.00

Sales agent Eric told us that we were buying points at a low rate, less than $ 4 per point, and that “at this price the point value can only go up.” We could sell some points at a profit and keep the original base points for travel. Ultimately getting our entire purchase for free, he called it a “401-V”.  He said he would lock the price for one year in case we decided to get more points later to utilize our “401-V”. We have since learned Diamond points are virtually worthless on resale.

The forms were long and extensive. We asked for time to review the documents but were pressured into signing “today” or not get the price per point offered.  After seven hours, my husband got upset and left. Eric followed us to our room insisting that we sign. We thought that Eric must be telling the truth, because if he wasn’t, there would be some sort of regulation. We incorrectly put our faith in Eric.     

We were referred to ARDA. ARDA’s advice leads members to scams, as licensed brokers will not even accept a listing for Diamond points, feeling the restrictions Diamond places on the use of secondary points excessive.

Virginia Beach, August 2017

The sales agents in Virginia were also very high pressure. They told us what we bought in Arizona was not worth it for us and that we had to purchase another 8500 points in order to keep the price of less than $4 per point.  The agent said that after that day the price would be higher. We did not buy. Being deceived into attending the presentation, under the guise that we were getting an education toward our membership was unfair and deceptive. The insistence that we had not purchased enough points made us so angry we did not buy.      

Maui, Hawaii, February 12, 2018

We purchased an additional 5,000 points and switched our US Collection points to the Hawaii Collection to total 13,500 Hawaii Collection points.

  • Purchase price $56,510.00
  • Down payment of $2,731
  • Amount financed $47,713.00

We met with sales agent Sequan R. This again ended up being a hard sell when we told him that we were expecting more of an educational meeting. He said he would give us all the education we need as he had left the company to give independent conferences to teach people how to maximize and exit a timeshare through “Timeshare Confidential Seminars,” but said Diamond hired him back to the sell side of the industry. We were again told “You can’t travel to where you want to go with what you have.” We have since learned that 8500 points were enough points to meet our needs.

Sequan told us we could use a program called Club Combinations at least six times a year to rent out to generate income that would offset the cost of our mortgage. Sequan also told us that we are lucky that the agent in AZ locked in the price because points have already gone up to $8.00 per point so we could already sell points and double our money.  Sequan said that many more high income level people are coming into this resort for the investment which is why the company started the rental program. He said at that income level people want to see a good return on their investment. I told Sequan I did not have time to spend on rentals because I work a lot of hours. Sequan said that the company would appoint someone to help us so we could start to offset our cost right away. I asked Sequan what if they don’t help us. He gave us his cell number and said to call him if that happens. We called Sequan but there was no person by that name.

Later we called and asked how to rent out our club combinations listings.  We were told there was no such program. There was no such thing as a rental program or selling of points for a profit.

Most buyers are on vacation without funds available for a large purchase, so end up signing off on high interest rate loans.  We went into debt to invest in Diamond’s timeshare points.

We had hoped for great vacations and the ability to sell some points for profit as had been explained.  Diamond’s motto “Stay Vacationed” for us means being held hostage. This vacation nightmare has become a major stress in our lives. Filing regulatory complaints is like having a part time job. I am a registered nurse and have spent many years working hard. My husband has worked hard for 40 years. We trusted the timeshare salespeople as we would trust any real estate broker, relying on the ethics of the real estate industry. It was a mistake.

Please do whatever you can to pass this bill and not allow ARDA, a paid lobbyist, to change your minds!

Thank you to Fran for sharing her timeshare experience. Inside Timeshare sent a draft of this article to ARDA. They did not respond. Of the 717 families who have reached out to us reporting unfair and deceptive timeshare sales practices, 99 are veterans and active duty service members. Several of the veterans are disabled, five Agent Orange disabled.

Proposed Florida HB 435, in which developers are worried about members deceived by timeshare exit companies, is supported by ARDA. A recent Florida whistleblower lawsuit was filed on behalf of ten former Wyndham sales agents. The actions of deceptive sales agents also harm honest timeshare sales agents.

IMPORTANT LINKS CONCERNING ARIZONA HOUSE BILL 2639

Press Release: http://insidetimeshare.com/fridays-letter-from-america-43/

To Track Arizona HB2639: Trackbill.com

https://trackbill.com/search/#/direction=desc&page=1&sort=relevancy&tracked&upcoming_hearings&type=bills&state=all&session&query=AZ%20-%20HB2639%20timeshare

Proposed HB Bill 2639

https://www.azleg.gov/legtext/54leg/1R/bills/HB2639P.pdf

Request to Speak for Arizona Residents

https://www.cebv.us/rts.html?fbclid=IwAR2784DcGDTFFg0hoQKi_WPJvhNaz7bvoPylIqRLxoBSStSdlH8Z3qGGD_o

The “Kill Bill” Guide – How it Works

https://drive.google.com/file/d/1Y4w31DQFznxoTDZDru86qzDoku3wuHaW/view

Coalition to Reform Timeshare









Preparing a narration for a governmental agency or a timeshare loss mitigation department is difficult for some due to age related issues or language barriers. We’re here at Inside Timeshare, along with our Supporters, to listen and educate. Contact us or one of these self-help groups we feel are not industry influenced if you experienced unfair and deceptive timeshare sales practices.  

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene and Fran, it is now down to you the readers to do your bit and make your voices heard, this bill is to protect you the consumer, do not let the industry that has walked over you for years do it again.

In Spain, the law is on the side of the consumer, the industry is being taken to the cleaners after years of predatory selling, with many other European Countries with timeshare resorts looking to follow Spain’s lead. This is a result of the European Union issuing several directives on what timeshare is and how it should and should not be sold, which each state having to place this into their own laws, Spain was by far the strongest in its implementation. It took many years to get to this stage, but at least the consumer has the full protection of the law.

LET YOUR VOICE BE HEARD!

Start the Week: Two Claims Companies Closed Down

Welcome to another week at Inside Timeshare, we start this week with news of two claims companies ordered into liquidation by the High Court in Manchester, Meredith Pritchard Claims Consultants Ltd (MPCC) and First Law Solutions Ltd (FLS).

On the 22 February 2019, District Judge Obodai, wound-up both companies in the public interest, an official receiver has been appointed. All public enquiries concerning the affairs of the company should be made to: The Official Receiver, Public Interest Unit, 2 Floor, 3 Piccadilly Place, London Road, Manchester, M1 3BN. Email: [email protected]

Meredith Pritchard was no stranger to many enquiries made to Inside Timeshare, we did publish an article in March 2017 with a full account of one readers experience. Unfortunately this article was removed after the director Stephen Paul Fairclough made threats to our reader for submitting his story for publication.

Stephen Faircloughs company, Meredith Pritchard, along with FLS, was in the business of supposedly making claims against timeshare companies and offering relinquishment services. He scammed many people out of thousands of pounds for legal fees, with the promise that they would be passed to various lawyers in Spain, Malta and various other countries, to pursue litigation through the courts.

As it now turns out, this was never the case as investigations found out, lawyers may have been instructed, but no evidence of any of the work for the services being carried out was ever found.

MPCC received £440,000 while FLS was paid £110,000, with investigators being unable to find any evidence of any payments being made to any overseas lawyers. Although they did find that FLS had only paid £13,000 to any lawyer and this was during the investigation.

The grounds of the petitions presented by The Insolvency Service, were that both companies “traded with a lack of commercial probity by failing to provide contracted services in a timely manner or at all. This included accepting payments in respect of non-viable claims, charging excessive fees, and using misleading and aggressive sales techniques”.

We can well believe the last part of that sentence due to the comments given by our readers at the time, plus the fact that Stephen Fairclough did threaten one correspondent.

Another factor to the petition was that both MPCC and FLS “It was also alleged that MPCC and FLS did not maintain, preserve and/or deliver up full accounting records and that they were remiss in complying with statutory obligations to file annual accounts and confirmation statements”.

It was also noted that MPCC did not fully cooperate with the investigation. Knowing the nature of Stephen Fairclough, that is not surprising.

To see the full press release from The Insolvency Service click on the link below.

https://www.gov.uk/government/news/timeshare-claims-specialists-wound-up-by-courts?fbclid=IwAR0n99SDUdG5ZeQCJFL21wfvpA5MLL9X2__fJr74Y4GnRXUMnvjxT33tQyk

Although these companies have now been wound-up, it is believed that there is an investigation underway against Stephen Fairclough, let us hope that this leads to his arrest and conviction.

Again, this story shows just how careful you have to be when dealing with any company that has contacted you or that you have found on the internet or advert in any publication.

If you need any help in checking whether any company is genuine and actually does what it says, then use our contact page and we will point you in the right direction.

Friday’s Letter from America

Welcome to this weeks Letter from America, today we publish a press release about the Arizona House Bill 2639, a bill designed to give consumers the protection they need when purchasing a timeshare. As usual ARDA (American Resorts Development Association) is opposing this bill, this release is a call for all consumers, timeshare owners and non-timeshare owners to voice their support for the bill.

First an update on Claims Assistance Bureau Ltd, as we published yesterday they are also using the name of a genuine registered and regulated claims company, Claims Advice Bureau (UK) Ltd, well, it looks like they have already started using another name.

The cold call is from a Paul Burrows, the company this time is called Travel Claims Solutions Ltd, Company Registration Number  04831724 and registered address:

Flat 12 Stamford House, Great Heathmead, Haywards Heath, England, RH16 1FH

Changed on 28 August 2018 from:

22 Updown Hill Haywards Heath West Sussex RH16 4GD England

According to Company House records the company was incorporated on 14 July 2003, with the current directors being, Hannah May Edwaards and Jeremy Robert Goodyer, both are the original directors.

The story from Paul Burrows is the same as before, Eze Group member has been awarded a specific amount of money, but to get this they first have to pay a fee of £695. This will be held in “TRUST” at an unnamed High Street Bank, the client will then receive their money in 10 days.

Now for our Letter from America

Time-Sensitive in Advance of Arizona House Bill 2639 Vote

We Need Your Voice

ARDA Opposes Arizona House Bill 2639, Which Offers Consumer Protection

On the heels of perceived unfair and deceptive timeshare sales practices that have left many families financially devastated, 13 Arizona representatives have proposed the creation of Arizona HB 2639 in an effort to safeguard consumers from entering into a perpetual contract, often buying a product they have not even had a chance to try before purchase.

Buyers often enter into timeshare contracts when on vacation, are encouraged to review documents after they return home from vacation, sometimes long after the rescission period has ended – leading to confusion, anxiety and costly fees that can last years.

Arizona House Bill 2639, aimed at alleviating some of those problems, was approved by a committee in a 7-0 vote, but is strongly opposed by the timeshare lobby group American Resort Development Association (ARDA), an industry-supported PAC.

Provisions in the proposed bill offer safeguards for timeshare buyers. We ask that consumers voice their support for this bill by emailing the representatives listed below.

The proposed bill includes:

  • Purchaser is granted a 14-day rescission period. The closing, as evidenced by delivery of the deed or other document, is prohibited before the 14 day calendar period expires.
  • After the end of the rescission period, the first use of the timeshare interest concludes; “first use of the timeshare interest” means the first time the purchaser or third party transferee stays in a timeshare pursuant to the purchase agreement.
  • The seller can charge up to a 10% cancellation fee. Seller may charge regularly scheduled maintenance fees for one year.
  • The purchaser may cancel the purchase agreement and relinquish all the timeshare interest within one year after the purchaser signs the agreement.
  •  At least ten years after a purchaser purchases a timeshare, a purchaser who has paid the entire purchase price and current annual fees may terminate the purchase agreement without cause.
  • A request can be denied only if it does not meet the criteria described.
  •  The bill also requires disclosure to alert the purchaser that the contract may be of a perpetual nature.

Please contact the following representatives in support of this bill. There have been numerous Attorneys General investigations, BBB complaints and lawsuits describing unfair and deceptive timeshare sales practices. The following individuals are the bill sponsors; we urge you to call and write to them to voice your support.

RepresentativePhone NumberEmailDesignation
Bolick, Shawnna(602) 926-3244[email protected]Bill Sponsor
Biasiucci, Leo(602) 926-3018[email protected]
Blackman, Walter(602) 926-3043[email protected]
Carroll, Frank(602) 926-3249[email protected]
Dunn, Timothy M.(602) 926-4139[email protected]
Fillmore, John(602) 926-3187[email protected]
Finchem, Mark(602) 926-3122[email protected]
Grantham, Travis(602) 926-4868[email protected]Committee Chair
Kavanagh, John(602) 926-5170[email protected]
Payne, Kevin(602) 926-4854[email protected]
Roberts, Bret(602) 926-3158[email protected]
Toma, Ben(602) 926-3298[email protected]
Weninger, Jeff(602) 926-3092[email protected]

For more information, contact Inside Timeshare or Timeshare Accountability GroupTM

http://insidetimeshare.com/

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

So there you have it, a bill to protect consumers being opposed by the industry because it does not fit in with their own agenda and curbes the power they have held over consumers for years.

It is now down to you the reader to exercise your right to lobby and have this bill past to protect all consumers. The industry has had its own way for far too long, they need to be brought down and be regulated by independent regulation.

On The Tuesday Slot we shall be publishing more about this bill, so join us then.

If you have any comments on this or any other article, or if you have any information regarding any company that you are suspicious of and believe it is a scam, then use our contact page and get in touch.

Have a great weekend and remember to do your homework on any company that contacts you.


Claims Advice Bureau UK: The Hijacked Name for Claims Assistance Bureau Ltd

Inside Timeshare has had more emails regarding Claims Assistance Bureau Ltd, the cold calling company contacting Eze Group clients with tales of money being awarded by the courts and court cases within the next few weeks. The original warning was published on 18 February.


https://beta.companieshouse.gov.uk/company/06832938

Claims Assistance Bureau Limited

Ty Glen, 1 Brecon Court, William Brown Close,

Llantarnam Industrial Park, Cwmbran, NP44 3AB

Tel: 02920099129

06832938 companies house

Well it would seem that they have changed their name in the calls to Claims Advice Bureau UK, which from our research there is a genuine company called Claims Advice Bureau (UK) Ltd, with the Company Registration Number 05518043 and the registered address:

128-130 Whitworth Road, Rochdale, OL12 0JJ

The company was in registered 26 July 2005

https://beta.companieshouse.gov.uk/company/05518043

Click link below for their website:

















According to the details provided on the website they are based in Manchester and are a PPI Agency operating throughout the UK.

They even show a Claims Regulation Management Number CRM 1970, claims management is regulated by the Ministry of Justice and their website confirms that this company is duly registered and authorised:

https://www.claimsregulation.gov.uk/search.aspx?search=simple&category=CRM&text=CRM1970&sectors=&statuses=&dates=&startdate=00010101&enddate=99991231

So they have now hijacked a genuine company so when you do your searches on the internet, you will find them and be taken in.

Inside Timeshare has spoken with the director of this company today so they are now aware of the situation, we shall be sending them all the details that we have. So hopefully these “fraudsters” will get caught.

As we know, these people with the name Harry Evans, Claire Bruce , Mel Rhys and have concocted some very believable stories that they are acting as intermediaries for the courts. Which we know would never happen.

The email adress they use is:

[email protected]

As you can see these are standard gmail accounts which do not link to any company website, which should always cause alarm bells to ring.

The latest story from Harry Evans, which is then backed up by Claire Bruce in an email, this time there is a case underway in the Madrid Courts against Eze Group, which we do know is not the truth. But according to Harry and then backed up by Claire in the email, they will have the clients money of over £15,000 back in TEN, YES, TEN days! Wow, that is very fast work, Inside Timeshare has never known any payout to be that quick, they are obviously great miracle workers!

So there we have it, not only are they committing fraud by taking money from Eze Group clients under false pretences, they are also committing a very serious crime of using a genuine companies name, along with the Portuguese Chamber of Commerce, The Bank of Spain and The High Court of Madrid to lend credence to this FRAUD.

If you have been contacted by Harry Evans, Claire Bruce, Mel Rhys under the name of Claims Assistance Bureau or using the name Claims Advice Bureau UK, then contact Inside Timeshare with all the details, we will ensure that it goes to the right authorities.

JUST REMEMBER DO NOT BELIEVE THEM AND DO NOT PAY ANY MONEY!

Need help or advice on any company the has contacted you, that you have found on the internet or in any publication and want to know if they are genuine or a fraud?

Do you have a problem with your timeshare and want to know what options are available to you?

Then use our contact page and Inside Timeshare will give you the best advice possible, all free of charge.

Stay safe and do your homework.

The Tuesday Slot: The Timeshare Tax Trap

Welcome to The Tuesday Slot, this week Irene Parker looks at the question which is rather unique to the US, it is something we in Europe do not have a problem with. Irene also includes a very good explanation from Attorney Mike Finn.

The Timeshare Tax Trap

By Irene Parker

February 26, 2019

Inside Timeshare has heard from 719 timeshare families. Of the 719, 98 are veterans and active duty service members. All but a handful allege unfair and deceptive timeshare sales practices. The most common complaint is being told you can pay your maintenance fees using points when programs as described do not exist. Others report being assured their timeshare could be sold only by purchasing additional points.

It’s bad enough to be lied to, suffer the frustration of groveling before customer services representatives who dismiss your complaint with “You signed a contract,” then undertake the arduous process of filing regulatory, and in some cases, law enforcement complaints. After you think it is finally over and done with, you get one of these 1099Cs in the mail after your timeshare loan has been cancelled, Blood pressure rises again.

We can’t give tax advice, so we rely on professionals to point you in the right direction. We published information on how to dispute phantom income last year on April 6. Given we have already received many questions about this pesky form this current tax season, we are publishing earlier this year hoping to calm our readers before receiving an IRS form 1099-C.

Here’s the word from the professionals:

1099-C: Cancellation of Debt

At the time the seller/borrower obtained the loan to purchase or refinance the property, the loan proceeds were not included in taxable income because the borrower had an obligation to repay the lender. When that obligation to repay the lender is forgiven or cancelled, the amount that is not required to be repaid is considered income by the IRS.  The lender is required to report the amount of the cancelled debt to the borrower and the IRS on Form 1099-C, when the forgiven debt is $600 or greater.

http://www.koontzassociates.com/pages/know-the-difference-between-a-1099-a-and-1099-c/

Excerpt from attorney Mike Finn’s Learning Center article on timeshare loan forgiveness:

The 1099 form is referencing a large amount which may very well be taxable income! Unlike the mortgage balance forgiven, which would have been spread out over the life of the loan, this possibly taxable sum has now been reported to the IRS all at once, in one lump sum! Say the amount reported is about $25,000. Say further that your tax bracket is 20%, a rate on the lower end of the scale. Your new added tax bill is $5,000, and it’s all due by April 15th!

Consult with a tax professional before you assume that your receipt of a 1099 form from a timeshare developer automatically means you’re staring down significant tax liability.

Please understand we are not providing tax advice, merely a possible position that we believe is quite tenable and may be worth exploring with your own tax advisor. Although it’s accurate for me to state that I was a Certified Public Accountant, it is much more important to note that my C.P.A. licensure has long ago lapsed (because I didn’t choose to keep up with the annual professional education courses necessary to retain my certification).  Please take your tax preparation advice solely from your own qualified tax return preparer.

Every tax filer is unique, with differing facts and circumstances. I am not offering, nor should you interpret my comments, as tax advice.

The receipt of these 1099 forms creates confusion.

I point you to IRS form #982. This is the form that the IRS advises should be filed along with the income tax return itself as a form of supporting schedule, which provides notification to the IRS that the amount presented to them via a 1099 is being acknowledged, but further, that the amount listed should be excluded from the taxpayer’s gross income. The myriad of possible reasons provided on the 982 form are in and of themselves confusing and difficult to understand. I’m therefore providing my readers what I suggest may be appropriate reasoning in concluding that, in many cases, there should be no “income tax penalty” imposed after successfully negotiating a release of contract with your timeshare resort.

Allow me to provide my argument as to why some forms of debt forgiveness may well be construed as taxable income, and then differentiate the negotiated act of cancelling a timeshare contract and why this transaction therefore logically should be treated differently.

Since “income” generally means a measure of accretion of wealth or value added to your worth, then the cancellation of a debt, when that debt was incurred when you received something of value, should be counted as income because the elimination of the debt liability plus the retention of the item acquired when the debt was incurred increases your net worth. Under this definition of added wealth, the taxing of same would be quite logical.

Applying this argument to the cancellation of a timeshare contractual obligation and its related underlying indebtedness, it’s immediately evident that the cancelled owner has retained absolutely nothing of value. They’ve surrendered their interest in exchange for a debt and/or contract cancellation, but after the transaction they have absolutely no accretion of net worth.

In terms of taxpayer reporting requirements, the issue becomes murkier when you apply it to timeshare transactions. Whether or not the industry will ever acknowledge that the resale value of a timeshare interest is minimal at best, what we can establish is that it would be extremely unusual for anyone other than the resort developer to acquire the timeshare interest at foreclosure, and therefore the liquidated basis of the interest will nearly always be zero, or at best a nominal value at foreclosure. Also making the timeshare transaction more complex in terms of following the instructions of either IRS form 982 and/or publication 4681 relating to this issue is determining whether the underlying debt should be viewed as “recourse” or “non-recourse,” given the propensity of the developers to utilize non-recourse based non-judicial foreclosures to recover the interest the greatest majority of the time.

I’ve intentionally attempted to avoid becoming overly technical in terms of specifically advising of taxpayer reporting requirements other than to suggest very generally that the filing of the IRS form 982 will most probably be required. Lastly again, I do most strongly recommend utilizing a professional tax return preparer, as these forms are not at all intuitive.

I earnestly wish that I could offer something less complex to help provide absolute answers to this prominent issue, but I do feel that this is important because the financial ramifications are potentially high.

 Mike Finn

https://www.finnlawgroup.com/learning-center/tax-time-contract-cancellation-timeshare-developer

Once again, thank you to Mike Finn for his experienced advice. Contact Inside Timeshare if you have a timeshare concern or a story to share. If we don’t know the answer we will find someone who does.

Self-help groups we feel are not industry influenced:

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

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

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

https://tug2.com/Home.aspx

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

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

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

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

Thank you Irene for this article and thanks to Mike Finn for his contribution, as usual you explain things in a way that us mere mortals can understand.

If you have a problem with your timeshare, have been contacted by any company offering you what looks like a very simple solution, but are not sure if they are genuine, than use our contact page and we will point you in the right direction.

Start the Week

Welcome to the start of another week with Inside Timeshare, we have had more emails from concerned readers regarding Claims Assistant Bureau, a company we highlighted only last week.

As we know, this company is calling timeshare owners along with those who have had dealings with Eze Group, they claim they have been appointed by the courts to tack down owners who have had money awarded to them and is being held by various courts.

According to Harry Evans and then back up by an email from Mel Rhys, Regency Shores Holdings SL (Eze Group), have recently been in court in Tenerife. The court is now holding a substantial amount which Claims Assistant Bureau will be able to get back for you, for a fee that is.

Well we do know that there has not been any court case in Tenerife against Regency Shores, the only court case is at Birmingham Crown Court against Eze Europe Ltd, Dominic O’Reilly and Stephanie O’Reilly. That case is yet to be concluded, with sentencing due to take place in March.

Another fact is they also claim that they are backed up and guaranteed by The Portuguese Chamber of Commerce, The Bank of Spain and the High Court of Madrid.

Another reader who we spoke with was very suspicious, as the person on the phone was contradicting himself so much it set off alarm bells.  Below are the company details along with a link to the article publish on 18 February.

Claims Assistant Bureau with the company registration number 06832938, with the address:

Ty Glen, 1 Brecon Court, William Brown Close, Llantarnam Industrial Park, Cwmbran, NP44 3AB

The past two weeks have certainly been busy for Canarian Legal Alliance, with results in favour of their clients against Anfi Del Mar, Silverpoint, Holiday Club Finland and Club la Costa, in various courts around Spain.

  • 14 Victories in the Courts of First Instance against Anfi
  • 1 High Court judgement against Anfi
  • 2 First Instance victories against Silverpoint
  • 2 High Court victories against Silverpoint
  • 1 First Instance against Holiday Club Finland
  • 1 First Instance against Club La Costa

In all these 21 sentences the contracts were declared null and void, the total claim value has yet to be released, but it is believed to be very substantial.

In further news from the Courts in Maspalomas, another 8 cases have been sent for sentencing at the pre-trial stage. It appears the judges are dispensing with the need for a full trial, which is only good news for the clients. This will result in cases being concluded in a much faster manner, with payouts being much quicker.

Obviously it will not be long before other courts in Spain start doing the same thing, it is obvious now that the laws put into place to protect consumers are solid and are being enforced by the courts.

Have you been contacted by any company mentioned in any of our articles, or one that you have found on the internet or even from an advert in a newspaper or magazine?

Do you want to find out if they are genuine and not sure how to do this?

Have you been told you have a valid claim and want to know if it is true?

Then use our contact page and send us a message, we will point you in the right direction.