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Welcome to Monday and a Happy Birthday to the National Timeshare Owners Association

Welcome to our Monday article, we start with some news from Europe, Canarian Legal Alliance has been at it again. More news from the courts in Tenerife finding for CLA clients against Silverpoint.

On 2 May, the judge presiding over The Court of First Instance No 5, ruled the contract these clients had contained several infringements and declared the contract null & void. The judge also ruled they should be awarded over £25,957.79 plus the return of their legal fees and legal interest. In this case the main infringement was the floating weeks. The Spanish Timeshare Law 42/98 was reaffirmed by the Supreme Court, a timeshare contract must include a specific date, location and period.

The following day, the same court declared yet another contract from Silverpoint illegal under law 42/98, this infringed the length of the contract. The Supreme Court on numerous occasions have stated that under the law no contract can be over 50 years. The judge in this case again declared the contract null & void, ordering Silverpoint to return over £8,856.71 plus legal fees and legal interest to the client.

Canarian Legal Alliance also received a visit from the Kavli Family, who had their Anfi contract declared null & void awarded back over 39,413€ plus legal interest. Their visit while enjoying a relaxing holiday was to thank the entire team at CLA for all the work they put in to resolve their situation.

Kavli

On another note, this weekend saw the awards presentation of the Canary News Business Awards. Canarian Legal Alliance won the the award in the Service Category, with the Head of Operations, Csilla Nazali being awarded Business Person of the year, this was accepted on behalf of the entire CLA Team. So congratulations to them.

It would also appear that our “Fake Law Firm” the Litigious Abogados family have a new member, Abogados Amable & Garcia. The website is very much like all the others, accept they have a few new photo’s of “Lawyers” with some new names: Juan Hernandez Amable, Armando Ignacio Garcia and Ramon Quemon Cremul. These have not been traced on any Bar Association register. Even the logo on the website is a rehash of the Abel Garcia one. More on this as the information starts to come in.

abogadosamablegarcia-amable-garcia-logo

So on we go with the NTOA article, this follows the news that TATOC, the association that is supposed to represent owners committees, is going into administration. As you will see from the article, there is a difference between the two organisations. The NTOA is independent of the industry, whereas TATOC was funded and run by the industry for the benefit of the industry and not you the owner’s / members. After all we know that Harry Taylor took up his position with TATOC while still a senior figure with Diamond Resorts Europe. We also know he supported MacDonald Resorts to the hilt against owners, when MacDonald’s decided to remove all fixed week owners and replace them with a points system, legal action on this is still ongoing. Somehow we think that is a conflict of interest and not conducive to being “independent”.

stop press 1
Just before publishing today’s article, ARDA once again unleashed its powerful propaganda arm in retaliation against Don and Irene’s FOX Property Man interview with Las Vegas attorney Bob Massi. This was Don and Irene’s attempt to warn the public about Diamond Resorts points not being able to be listed with a member of the Licensed Timeshare Resale Broker Association. A timeshare member can list any major timeshare except Diamond Resorts with any of the 64 members of the LTRBA. The members feel the restrictions Diamond places on the use of secondary points are more onerous than any of the major timeshares they do list.  

You decide the merit and purpose of this interview. The industry continues to ignore the secondary market preferring to promote surrender programs. While the elderly are often mentioned, many young families who feel they were defrauded on the front end of the timeshare purchase have reached out to Inside Timeshare to let their voices be heard.

http://wjla.com/features/7-on-your-side/7-on-your-side-uncovers-the-smart-way-to-break-away-from-your-timeshare

One of the many Diamond Advocates has reached out to the ABC reporter to offer a 101 in Truth. Why Diamond will not loosen its restrictions so that a member can actually sell their timeshare is a mystery.

Our National Timeshare Owners Association 20th Anniversary

NTOA – A Timeshare Member’s Only Voice

Lobbying

By Charles Thomas and Irene Parker

May 8, 2017

European timeshare member lobby efforts are in a state of upheaval due to the bankruptcy of TATOC. It is not always easy to determine if an organization is on the side of the timeshare member or on the side of the developer. One thing is clear. The timeshare developer is not on the side of the member when the interest of the member is at odds with the developer.

The National Timeshare Owners Association in the US is one timeshare member/owner organization unquestionably on the side of the owner or member. As the industry moves towards points, timeshare buyers don’t “buy” or “own” anything. I will use “member” from now on when referring to timeshare purchases.

Timeshares today are mostly a “right-to-use” program. Buyers “join” the program. Unlike a country club that charges a nominal initiation fee upon joining, a timeshare purchased directly from a developer usually involves an initial outlay of $25,000 to over $100,000. Unlike a country club, you can’t cancel at whim.

Signing a perpetual contract without a secondary market, or a limited secondary market at best, has given rise to a robust transfer agent scam industry and has been a boon for timeshare lawyers assisting those sold by “deceit, concealment or bait and switch”, defined by the FBI as White Collar Crime. There have been numerous lawsuits.

Timeshare developers have been unwilling to address the need for a secondary market, preferring to focus on voluntary surrender programs, which are not guaranteed. Often members must grovel before the developer seeking release from a timeshare they no longer need or want.

This unwillingness to allow a legitimate secondary market could lead to the industry’s demise. As one member of the Licensed Timeshare Resale Broker Association told me, “Many of the calls to our office begin with – my parents got roped into this timeshare.”

Timeshare has had its share of ups and downs over the years. My husband and I bought our first timeshare in 1984, so we have ridden the waves. Never have I seen such an upswing in predatory lending and aggressive strong arm selling tactics. Never before has there been such a need for an organization that truly and purely is on the side of the timeshare member.

I asked Greg Crist, CEO of the National Timeshare Owners Association to describe the organization in a nutshell.

NTOA is a source of real and unbiased information and education. Over the organization’s 20 year history in the timeshare community, we have seen many ownership programs develop and later change. For example, developers have been converting to points programs from deeded intervals for several years. There are other major changes happening in vacation ownership and often owners are not keeping up with those changes. Our role is to help educate those owners (our NTOA members), assisting them to better understand their current ownership benefits”.

“Advocacy is another area we focus a lot of attention on in the United States, Canada and now Mexico. We work with law enforcement, regulators, legislators and attorneys, assisting in consumer protection and again educating all stakeholders on various threats to consumers that exist in the marketplace”.

“Finally we do everything we can to encourage owners to get the most beneficial interest out of their Vacation Ownership. As timeshare owners ourselves, we feel these are the three areas that owners typically seek knowledge and support from us.”

gregcrist600
Greg Crist: CEO NTOA

Inside Timeshare previously published an article about NTOA’s efforts chasing fraudulent timeshare transfer agents caused by the limited secondary market. This is one area the NTOA and the timeshare developer lobby organization ARDA share a common interest. As NTOA works so much behind the scenes, many timeshare members are not even aware of the organization’s existence.

We hope that will change as we launch a membership drive.

Here is one example of how NTOA worked with Eagle Crest in Oregon to stop this particular timeshare transfer fraud.

http://insidetimeshare.com/timeshare-hoa-collections-agent-shares-experience/

As to the demise of TATOC in Europe, Greg expressed some dismay over the demise of this organization.

“The NTOA has worked with TATOC in identifying a number of rogue resale and secondary market companies over the past several years. To that end, our staff has shared intelligence and best practices for consumers and for foreign purchasers of timeshare intervals. We have always considered TATOC a partner in the war on resale fraud.”

I posed the following questions to Greg:

What can a timeshare member do to promote legislative changes to reduce the volume of complaints about aggressive selling and predatory lending?

Greg: The various state legislative processes are often fast moving and difficult to keep up with. Having success in this area requires a grassroots effort in states where owners reside. The optics that many legislators have is that our owners/members are not voters in the states where industry lobbying is prominent. We have to change that perspective so that elected officials are more receptive to the voices of owners.

What is NTOA’s three to five year plan?

Greg: NTOA is in the final leg of its expansion plan in North America. We have been working in Canada for the last three years and began working in Mexico in 2016. This year, we are participating in two industry conferences in Mexico and intend to have a consistent presence there going forward.

To accomplish this part of our mission, we rely on close relationships with other associations in those countries. This includes the CVOA, CARE, ASUDESTICO and ACLUVAQ. In working with partners, we can not only better assist our members/owners but also promote regional tourism as well.

Is there anything NTOA can do to promote a legitimate secondary market?

Greg: The secondary market is a very complicated problem and no one-size fits all solution will work. The NTOA is working with the C.A.R.E. resale task force to develop a better understanding of the barriers, challenges and opportunities for owners and HOA’s.

When you support the NTOA, you are supporting the only recognized independent association in North America supporting timeshare owners.

ntoa-logo

Timeshare Advocacy needs more member voices. We look forward to hearing from you. For more information about how to join NTOA, here is their website.

https://www.ntoassoc.com/

NTOA has assisted many of our Inside Timeshare readers through member supported advocacy groups. We have several upcoming articles contributed by timeshare members reaching out to the general public and to current members by sharing their story hoping to promote increased awareness.

Diamond Resorts Owners Advocacy is one Advocacy Group Inside Timeshare supports. We hope other timeshare member groups join the cause.

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

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

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.

Inside Timeshare would like to thank Greg Crist, CEO of the NTOA for his contribution to this article, as usual Irene has done a superb job of conducting the interview.

We would also welcome any views or comments on any article published, it is your voice, use it.

your voice

Friday’s Letter From America

Another week over and another Friday Letter From America from our intrepid travelling writer Irene Parker.

Before we go to Irene’s article, a little news from Europe, we begin with the never ending successes of the lawyers at Canarian Legal Alliance, we begin with an announcement  which came in after publishing last friday’s letter. The Court of First Instance N1 in Arona Tenerife found for the CLA client against Resort Properties / Silverpoint, declaring the contract null and void, this was on the basis it was for floating weeks.

CLA Logo

These contracts according to the Supreme Court are illegal, under law 42/98, the contract must specify a week, date and location. The judge in the case at Arona awarded the client the return of 26,000€ plus legal interest.

On Tuesday 25 April Anfi was on the receiving end of another judgement at the Court of First Instance N5 in San Bartelomé de Tirajana. In this ruling the Judge found for the clients on two infringements of the timeshare law:

  • Contract is over 50 years in duration (perpetuity);
  • It contained floating weeks.

Again the contract was declared null and void and the client will receive 39,413€ plus legal interest.

On Wednesday 26 April the Court of First Instance N5 in Arona found once again for the client against Resort Properties / Silverpoint. In this case the client has been awarded over £25,957 plus legal interest, for a contract which was for a duration of over 50 years (perpetuity).

Yesterday Thursday 27 April, CLA announce another First Instance ruling against Anfi, for a contract over 50 years in duration and the illegal taking of a deposit within the stipulated 14 cooling off period. Over £37,913 plus legal interest was awarded back to this client along with the contract being declared null and void.

It is certainly a case of the lower courts adhering to the ruling laid down by the Spanish Supreme Court in Madrid, it leaves no doubt as to the illegality of many of these contracts with case after case being won, leaving many happy ex-owners timeshare free and reimbursed with money paid.

Inside Timeshare again this week published the latest in the saga of the “fake law firm” in Tenerife, Abel Garcia Abogados, one of the many in the Litigious Abogados family. This time one lucky gentleman decided to do an internet search of this “firm”, he came across our previous articles and contacted Inside Timeshare for clarification. This has saved him from losing thousands of pounds, he also provided Inside Timeshare with the letters documents and emails he received, these have been passed to our lawyers to be included in the denuncia to the Guardia Civil.

Another “firm” was also highlighted, FHA Marketing. Very little is known about this one as there are no entries at company house and their website registrant is hiding behind a privacy service, so it is not known who is behind them. One thing is for certain they haven’t got all their facts right.

So now onto the “Travelling Writers” article.

A Reader’s Response to Nancy Callahan and our Experience at Diamond Resorts Scottsdale Links

guitar

By Irene Parker

April 28, 2017

One of our readers emailed us with a sophisticated comment in response to our article about Nancy Callahan’s extraordinary experience, unaware she and her husband had acquired a $143,000 loan to purchase 50,000 Diamond vacation points. Our reader’s comment is kind of heavy, so I’ll start by sharing our more light-hearted Friday, end of the work week comment about our Diamond Resorts, Scottsdale Links experience, post Clarity.

http://insidetimeshare.com/another-nightmare-timeshare-street/

We checked into Diamond Resorts Scottsdale Links in Arizona a few nights ago. Our unit is spacious and clean. We found good value using our Diamond points in that we used 6000 points to stay two weeks at a Sedona Diamond property as well. It’s surprising how many timeshare members don’t think about timeshare math, converting maintenance fees dollars into equivalent real dollars in order to make a comparison as to whether it would be less expensive to book online.

Sometimes it is more expensive to use points, but in this case, $.23 per point in maintenance fees times 6000 points equates $1,380 for two weeks or $98 per night. Online the cost was $112 per night for a one bedroom unit, but there was also a $13 per night fee and a 13% tax so we are way ahead. Of course, the initial amount we spent purchasing our points is not factored in. The older you are the less advantage buying a timeshare, as there is less time to make up that initial outlay.

We are not asked to attend sales presentations. It takes some convincing, but you can request that your name be taken off the prospect list.

Diamond’s new Clarity program is about accountability and transparency and respect for the customer. The program was recently launched in response to the Arizona Attorney General issuing an “Assurance of Discontinuance” which includes a toning down of the aggressive nature of the sales presentation and, most importantly, requires the sales agent not to deviate from printed sales material.

https://www.azag.gov/press-release/attorney-general-brnovich-announces-800000-settlement-diamond-resort/

Diamond is certainly not alone among their industry peers in needing to improve the integrity and honesty of a timeshare sales presentation. In the case of Nancy Callahan, the agent went pretty far afield of actual policy, as explained by our reader.

I found only one lapse in transparency at Scottsdale Links. Of all places, it occurred at the activity center! I had asked activity representative Brandy if there were any good activities this week. “You’re in luck!” said Brandy. “We have a cowboy guitarist and singer tonight”.

The cowboy singer was Wally Bornmann. Wally started his performance singing Cowboy songs by composers no one, out east anyway, would ever recognize and worked his way up to Gene Autry. He peppered his songs with cowboy stories like when Gene Autry paid $5 for the lyrics of a song when he was traveling cross country that became famous. “It may not sound like a lot, but at $1.67 a mile, it wasn’t bad pay at the time,” explained Wally.

“Do cowboys use Facebook?” I asked.

“I don’t know,” responded Wally.

“Aren’t you a cowboy?”

“No”, said Wally. “I know a lot of cowboys, but I would be at best a cowboy looking in. I have great respect for the work a cowboy does. Only Diamond Resorts calls me a cowboy.”

As a Diamond Resorts member Advocate, I reported this lapse in transparency to Brandy.

“Wally isn’t a cowboy,” I explained. “There’s no need to call Wally a cowboy”. What Wally is, is a gifted “Cowboy Song Artist and Exceptional Storyteller.” Wally played a song he wrote that made me cry, ‘Till Morning Comes Again”.

https://www.youtube.com/watch?v=w-XBdDT-GiU

https://www.youtube.com/watch?v=aEVzayDyZo4

Fishin’ for Chickens was written by Hobo Jim, the Official Hobo of Alaska!

We have a lot of European readers. Arizona is a real special state that is now more Diamond member friendly thanks to Clarity. Next time our overseas friends hop over the pond, consider Scottsdale Links in Scottsdale and then head up to Red Rock Country in Sedona just south of the Grand Canyon. It’s our favorite place to hike.

The moral of my story is that Diamond has a product and if sales agents would stop overstating availability, understating maintenance fees and loosen the restrictions on secondary points so an owner could sell the darn thing if they had to, through a member of the Licensed Timeshare Resale Broker Association, members would stop complaining so much.

Now on to our Reader’s Response

group table

It is very disconcerting to see that the unfair, unethical and misleading business practices described by these Diamond members’ experiences are not isolated incidents. It is clear that it has become endemic of the entire accepted Diamond sales process, as well as with other timeshare companies.

The misrepresentation of the ‘Legacy’ program as a ‘resale’ option when it is merely a way to ‘share’ a block of points with other family members, the embellishment of the value of points earned through the Barclay Credit Card, including how many points are actually earned, what they may be redeemed for (for example, NONE of the down payment for the purchase qualifies) and the false representation of the amount that may be applied to the maintenance fee.

In addition, the common representation that points have a “Currency Redemption Value” is being made by every ‘successful’ Diamond Sales Agent and is expected by the managers of the business unit. Basically, the actual benefit described in the Member Directory allows a member to redeem “up to 30%” of annual points towards, “up to 30%” discount on travel rewards.

Specific rewards have their own restrictions, limitations, terms and conditions however; what the sales reps are telling customers is that they may redeem their points for .30¢ per point. They tell customers that using this formula that with 50,000 points they can get $15,000 back EVERY YEAR! They use this to upsell, as with these unsuspecting customers in this article; that they will be able to pay ALL their maintenance fees and costs and that actually buying more will cost them less.

It would be bad enough if this were a case of a few outlaw sales reps pitching heat, however; this is encouraged by the industry. Sales agents are coached and compelled to present the product this way and reprimanded, ostracized and eventually terminated for NOT ‘going along with the program’.

Accurately presenting the product leads to lies being discovered by the customers that they were ‘pitching this heat’. It is absolutely disgusting to me that a product that promises to deliver quality family vacation experiences is sold with such reprehensible disdain for honesty and integrity.

Inside Timeshare wants to thank our industry insider for explaining what the Legacy program is and what it is not. Sometimes we hear so many versions of a program we don’t know what to believe.

honest

If you have a question or concerns about Diamond Resorts or any timeshare, contact Inside Timeshare or one of our Advocacy Groups.

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.

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

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

So there we are, another week over and more news from the murky world of timeshare.

If you have any comments or question about any of the articles published or have been contacted by any company highlighted, contact Inside Timeshare and we will point you in the right direction.

Have a great weekend and to Irene, enjoy your vacation.

weekend02

 

Anatomy of a Timeshare Foreclosure

Inside Timeshare today publishes another article by Irene Parker our US writer, she today highlights the plight of a Filipino family who have had a bad experience with pressure sales tactics. It is not an uncommon story, we have seen this all too often, the falsehoods told by some sales agents just to secure a sale, “you need to buy more points or lose what you have”.

This particular story is being translated into Tagalog, the Philippine language to be submitted for publication in the Philippines, also for publication in the Californian Filipino Press. We are also waiting for a contributor from Australia to submit his comments on timeshare “down under” to Irene, this is taking Inside Timeshare onto a worldwide stage.

As one of our regular US readers told Irene, Inside Timeshare is probably the first international timeshare publication that he has ever known. We know from some of the emails received, we are read all over the world, the news and views we publish are relevant and of interest to all timeshare owners, wherever they are.

According to certain sources, DRI think that Inside Timeshare is not being fair on them, oh dear! Does that mean we are doing it right?

What we at Inside Timeshare have called for in past articles is dialogue, recognition of that facts that the product has been sold aggressively, that certain groups especially the elderly have been targeted with these tactics and to change the way the product is sold.

For timeshare to become the product it was at first envisioned to be, resorts and developers need to change how they perceive the owners / members. They are not “cash cows” to be milked at every opportunity, but the cornerstone of the business. Without them there is no business.

So now on with today’s article, we hope it helps you the reader to understand what is going on.

Anatomy of a Timeshare Foreclosure

Part I: The 3Rs or F of Timeshare

The 3 R’s of Timeshare: Part 1

Part II: The 3Rs of Timeshare

Part II: The Three Rs of Timeshare

Part III next week: Two more Rs – Rentals and Resale

By a Diamond Resorts Filipino owner and Irene Parker

Betty and Rolf Burmeister

Two Diamond Resort members share their story

April 12, 2017

debt

 William, age 70, and his wife Mary, age 71, are a Filipino couple and residents of California. The family has asked not to be identified. William said the family has maintained a good credit score until now and are horrified that at age 70 they must face foreclosure. Mary was working just to pay for their loan and annual maintenance fees, but can no longer work due to complications from diabetes. They are worried about the lien Diamond will place on their assets and the burden they will be leaving their children.  

Mary worked as a hand therapist and William worked as a physical therapist. Nurses are the #1 export out of the Philippines, according to William. William and Mary are especially angry because, like so many Diamond Monarch owners alleging deception, they feel they were forced to buy points or lose Monarch “equity”.

The family owns 60,000 Diamond points. Historically, according to information culled from lawsuits, points have sold for $2 to $4 so we can estimate at least $180,000 spent on a vacation plan over time.

Diamond Resort’s non-deeded vacation points cannot be listed with any of the 64 members of the Licensed Timeshare Resale Broker Association, so families find themselves forced to foreclose if they are not eligible for a voluntary surrender due to a loan outstanding. Diamond Resorts is the only major timeshare that cannot be listed with an LTRBA member due to restrictions the members feel are more onerous than other timeshare companies.

http://www.licensedtimeshareresalebrokers.org/

William and Mary’s complaint is similar to this complaint posted on Trip Advisor from the same Diamond Cancun Resort in Las Vegas. We have heard from five other families with similar complaints from Diamond’s Las Vegas Resorts. This was the first complaint reported:

I am at the Cancun resort in Las Vegas and went to a breakfast where they said they would simply update me about the changeover to Diamond. I was told that I should have been invited to a dinner where I would have been given options, decided by a judge in a legal ruling against Monarch due to their bankruptcy. They proceeded to show me a print out that said when my current term expires in August. I would have to pay $573 per quarter to Monarch. They said that due to the bankruptcy, I would have no equity. That was option one. Pay more, have nothing. The other option they said was to transfer into Diamond at a cost of $12,000 plus and pay a yearly maintenance fee of $1,700. Less than the $2,292 I would soon be giving Monarch. They also told me that I would then have equity of $41,000 that I could sell. I was in tears. I do not have any extra money. In fact I have been looking for ways to get out of Monarch for over a year now. They said that was not an option and that as an owner, I was now proportionally responsible for their debt. I felt trapped and signed all the papers to transfer, with no idea how I can pay. After reading the comments above I am even more scared. I am trying to start my own business and am already in severe debt. They claimed when they ran my credit though that it looked better than most and assured me I qualified for financing. I would have to pay off, basically transfer to credit cards, which I can barely make my payments on now before I could look to sell. One of the reps assured me that she would put me in touch with someone who could help me sell my points. She even gave me her cell phone number to call after the sale/transfer is finalized. I am really scared though. Please help! We have to do something. It seems as though they have no qualms about lying to and robbing people for their own benefit.

William and Mary’s story in their own words:

  • William and Mary own 60,000 Diamond points
  • Mortgage balance:  $85,968.25 financed by Diamond at 13.1%
  • Monthly mortgage payment:  $1,375
  • 2017 Maintenance Assessment Fee – $9,034.05

filipino family

In Las Vegas at Diamond’s Cancun Resort in 2013, we were told we should have received an invitation to attend a dinner to discuss the transition of Monarch MGV to Diamond. The sales agent asked us to write a letter stating that we did not receive the dinner invitation and therefore should be given the same benefits and price per points similar to those who attended the dinner. He said he would fax our letter to another Diamond office in Las Vegas.

In hindsight:

  • I should have asked for a copy of the FAX transmission.
  • I succumbed to the fear factor. The agent stated that due to Monarch’s bankruptcy we will lose our EQUITY if we do not purchase additional Diamond vacation points.

The concierge stated that this meeting will be only for one hour. We were held in that meeting room for close to five hours. We eventually broke and signed a contract to buy more points.

We constantly get telephone calls inviting us to attend more updates and we generally turn them down. We had a telephone sales encounter one time from the same Diamond Las Vegas Cancun Resort office trying to sell us more points. This telephone encounter lasted for over three hours. It is very difficult to get away from them once you get sucked in.

Next, we made a fatal mistake by attending a “free” dinner meeting in Pomona, California July 2015. At that meeting, the sales pitch was, we need to completely get rid of our Monarch points by buying more Diamond points in order to prevent the increase in maintenance fees due to less and less people owning Monarch.

The example they gave was the hurricane in Cabo San Lucas that damaged the Cabo Azul property. The sales representative said that if we still own Monarch, we will be assessed increased maintenance fees to pay for the repair of the Cabo property.

Another example he gave was the water damage at The Point at Poipu, a Diamond acquired property in Hawaii. He said owners were charged for special assessment to repair the property.

http://www.tstoday.com/members/magazine/issue123/7-poipu%20point.pdf

Like the previous meetings, this meeting lasted for over five hours. We went home close to midnight. Your focus, decision making and judgement falters if you are kept that long. The increase in maintenance fees after this purchase started our financial struggles.

Keep Reading

Here We Go Again: Abel Garcia the Law Firm That Always Wins!

It is only a couple of days since we published the latest article on Litigious Abogados and all the other associated “Law Firms” in Tenerife. This latest effort from the new one Abel Garcia is exceptionally brilliant.

abel-garcia-logo-1

Our reader received the following email:

Dear Mr XXXX,

We are pleased to inform you that an official lodgment has successfully been implemented. Your case can now be pursued with the Santa Cruz courts should you wish to proceed.

Our Lawyer’s office will then liaise with you every step of the way until final settlement is obtained. We have been informed that there are very strong grounds for compensation.

Assuring you of our best attention at all times, we would like to take this opportunity to thank you for your involvement thus far and send you our best regards.

I remain

Yours sincerely

Maria Sanchez Gotera.

Departamento Legal.

This email is confidential and intended for the named recipient only. If you have received this email in error, please notify us immediately and delete the email. You must not copy, distribute, disclose or take any action in reliance on it. This email message and any attached files have been scanned for the presence of any computer viruses.

© 2013 Ilustre Colegio de Abogados de Tenerife. Todos los derechos reservados.

European Union Data Protection Directive 95/46/EC

Fantastic news, he has a case and wonderful grounds for compensation, but there is only one small problem, how can the case go to court?

The purchase was made in the UK in 1999, the company that sold it, is no longer in business, the club to which he became a member is also no longer in business. According to Company House Records, both companies dissolved many years ago, as no date is showing.

So how is this very successful “law firm” able to get this case heard in Santa Cruz de Tenerife?

One, the purchase was not made on Spanish territory, so Spanish timeshare law does not apply, secondly, there is no company or club to take to court as they no longer exist. What is the betting that if this reader had paid the legal fees, in a matter of weeks they would have received what looks like an official court document showing they had won the case and been awarded substantial amounts in compensation. Also I would not be surprised if the Director of the company pleaded guilty and was named as Kevin Baker or Kevin Balker or something revolving around that.

Then there would be the next letter to say that Tax was due to the Hacienda, this would need to be paid before the court could release the cheque. The amount of “TAX” would probably be around 10% to 20% of the compensation amount. If you are unable to afford that then loe and behold, the Lawyer Liaison Mr Richard Lehman would be on hand to negotiate a Pro Bono deal, where the “Partners” would agree to pay 80% of the “TAX” amount, leaving you to only find 20%. They would even show a BBVA cheque to one of the procurators, who incidentally all have very similar names, various bank accounts and the same address.

This amount would then be added to your invoice for payment once you receive the Banesto cheque from the court procurator, one of the Davido’s, Harstun’s, Jaime’s, Jilmo’s, Darston’s or the latest one to come up D Hurstom F400SL, incidentally his first name is “DAVIDO”,  his bank account is with BancaMarch. Also has the same address as the others. They are certainly a big family!

stop press2

As we were getting ready to publish this article, our reader has received the following email and the attached letter.

Subject: Reduced Court Fees

Dear Mr XXXX

I hereby attach a letter with very good news from one of our Lawyers Mr Ramon Quena Cinol.                                            

Assuring you of our best attention and care always, we send you our kind regards.

It is important you confirm receipt of this Email and its attachment.

Yours sincerely

Madelena Huele Aflores

Departamento Legal

In this letter, the lawyer Ramon Quena Cinol, states that as the court has accepted further claims against the defendant, there are more grounds for compensation and thus the fees are less than previously stated.

abel garcia page-001 abel garcia page-002

 

The case which was lodged on Tuesday 4 March 2017, is due to be heard on 25 April 2017, at the Court of Instruction Number 6, Santa Cruz de Tenerife. Well, well, well!!! What a very fast and efficient service they perform, getting a case lodged and heard in under 2 months!

Inside Timeshare has never known any case to get to court in this speedy manner, this firm of “lawyers” must have very good connections with the courts.

For previous articles in the search box type Litigious Abogados.

Once again Inside Timeshare cannot stress the importance of doing your homework, in the case of this reader, he found the articles just in time, he felt something was not quite right and started his search. Then contacted us for further information with his purchase documents, after checking what he purchased and researching the company, Inside Timeshare was able to tell him that no claim was possible.

If you have been contacted or are in contact with any company, especially one that is offering to “claim” against your timeshare, contact Inside Timeshare and we will point you in the right direction.
homework

More Trouble for Silverpoint?

It would seem the woes that are befalling Resort Properties / Silverpoint are just getting bigger. It has now come to our attention that it is the turn of the Beverly Hills Heights Resort, the news is not good for those who own at this resort, a number of apartments are now going up for sale.

We have seen the same thing happen at the Beverly Hills Club in the past year or so, where the owners were moved to the Heights when the resort was sold. It is now effectively a hotel, with the apartments available to the general public. The same has also happened to part of the Palm Beach Club, another Resort Properties / Silverpoint resort.

beverly hills heights
Beverly Hills Heights

Owners who are affected have been told they will be moved to other apartments at the heights or to the Hollywood Mirage. This seems to be causing quite a stir among the owners at this resort, many are becoming very vociferous, taking to the discussion forums and venting their anger.

Could all this be a result of the years of misselling, which is now coming back to haunt the company?

Only in first three months of this year, the Supreme Court has made five rulings against Resort Properties / Silverpoint. This is also alongside numerous judgements at the courts of First Instance and High Courts in Tenerife.

On the 1 March the Supreme Court awarded over 90,000€ which included the original purchase price, double the deposits and maintenance fees. The court also ordered that the client receive back their original legal fees and legal interest, with the contract being declared “Null & Void”.

On 6 March, the same court ruled in favour of a German client, returning over 30,000€ plus legal fees and interests, again declaring the contract “Null & Void”.

tribunal supremo

It was also announced on 21 March that the Court of First Instance Number 1 in Arona, ruled in favour of another client, awarding 44,000€ plus interest and legal fees. Then on the following day the news was broken that the High Court Number 3 of Santa Cruz de Tenerife awarded 37,308.40€ along with the initial legal fees and interest and the contract declared “Null & Void”.

Then yesterday 27 March, it was announced that the Court of First Instance Number 5 in Arona found for a British client. The amount awarded was a staggering £111,134.00, plus the return of initial legal fees and interest. Again the contract was declared “Null & Void”.

This is certainly showing that the Supreme Court rulings are being used in the lower courts, the Supreme Court has ruled on the following points:

Taking of deposits is illegal;

  • Floating weeks and Points systems are illegal;
  • Contracts over 50 years (perpetuity) are illegal;
  • Clients are Consumers not Investors.

All of this is a result of the hard work of one group of dedicated lawyers based in Gran Canaria. Yes it is those lawyers and the team which is Canarian Legal Alliance, which since the very first Supreme Court ruling in March 2015, have gone from strength to strength.

These are not just against Resort Properties / Silverpoint but also there have been many rulings against Anfi, Palm Oasis (Tasolan) and many others. These cases are also being highlighted in the Spanish press, which is having what can only be described as a field day.

http://www.eldiario.es/canariasahora/tribunales/Varapalo-Supremo-timesharing-comercializado-Canarias_0_619088490.html

CLA Logo

All we can say at Inside Timeshare is well done to the lawyers and team at CLA, to the readers beware of the companies that purport to be the ones bringing these cases, especially when they have only been formed for a matter of months. There are many of them jumping on the bandwagon, misleading you the consumer into believing they have done the job. Can they actually prove they have won these cases?

We will be publishing articles on some of these over the coming weeks, some we have already highlighted, some are very sophisticated frauds. If you are in doubt, wanting to know more and who you can trust, Inside Timeshare can point you in right direction to find the answer. Remember, doing your homework and due diligence will save you not only money but a lot of stress and heartache.

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Abogados Abel Garcia: A New Member to the Litigious Abogados Family.

abel-garcia-logo-1

Over the past couple of days Inside Timeshare has received more questions from concerned readers regarding the so called law firms in Tenerife: Litigious Abogados, Litigar Abogados, Abogacia Española, Fernando Holaci and the Procurado Davido Harstun Jaime.

There is a new website on the block with another new law firm and lawyer, Abogados Abel Garcia, with Abel Garcia being pictured on the website.

http://abogadosabelgarcia.com/

abel-garcia-abogados

This website was created on 5 January 2017, so is just 3 months old yet they are claiming victory over Resort Properties, where the “Director Kevin Baker” pleaded guilty. Strange that? The same name was the director of Club la Costa from Litigious Abogados and other resorts in previous letters, who also pleaded guilty.

This website is exactly the same as the previous ones except for the logo and minor changes. All photos are the same including the lawyers with two new names: Manuel Torres Privlo and Ramon Quena Cinol. Even using the same photographs as on the other sites.

simone-manuel-olivaz-111
Manuel Torres Privlo

 

 

 

 

 

 

ramon-quilnar-canal
Ramon Quena Cinol

 

 

 

 

 

 

 

 

Again the letters state that the client has been awarded a substantial amount in compensation, including a very good copy of the court’s sentence. This again bears stamps, which to those not familiar with Spanish court documents would believe are genuine.

As in the previous articles the modus operandi is the same, to receive this wonderful payout all the client has to do is pay the procurator Davido the tax and the money will be released. Once again the client receives a colour photocopy of the cheque. This is issued on a Banesto cheque, which as we know was taken over completely in 2012 and merged with Santander. They stopped using Banesto cheques, cards and logo very soon after.

The address given is: Calle de Valentín Sanz, 16, 14, Piso 38, 002 Santa Cruz De Tenerife.

Which does exist, but number 16 looks like a fashion shop, but next door at number 14 there are plaques on the wall for a notary and abogado, but not the ones named on the website.

street view

The telephone number is: Freephone: 0800 802 1 778

with the email: [email protected]

This is indeed a very sophisticated operation, documents, letters, cheques and bank drafts do look very convincing. The standard of English on the letters is also very good, which again suggests an educated native English speaker is involved

redacted Court_Lodgment-page-001

Inside Timeshare cannot stress enough that on no account should you part with any money or even take any notice of the so called windfall that you have been told is waiting for you. Courts do not issue cheques.

If you have had any correspondence from any of the companies listed in previous articles or this new one, contact Inside Timeshare and we will point you in the right direction.

Links to previous articles or search Litigious Abogados, these have full lists of all names used:

http://insidetimeshare.com/1059-2/

http://insidetimeshare.com/litigious-abogados-update/

http://insidetimeshare.com/litigious-abogados-latest-information/

http://insidetimeshare.com/litigious-abogados-plot-thickens/

http://insidetimeshare.com/litigious-abogados-new-update/

http://insidetimeshare.com/news-litigious-abogados/

http://insidetimeshare.com/litigious-abogados-plot-gets-thicker/

Remember it pays to do your homework.

homework1

Litigious Abogados: The Plot Gets Thicker

There seems no end to the lengths some will go to fleece innocent and elderly people of their hard earned cash, we thought we had seen it all, then this.

In a new twist which we have never seen before, another “scam” has appeared, it is actually quite audacious. The client who had previously been informed their case had been won and a cheque was about to be issued, upon payment of certain taxes, receives a letter from the court.

 

Court Document 01
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Attached to the letter is a cheque, unfortunately, the cheque is missing, the envelope was delivered open, all there is left is a staple and a torn piece paper where the cheque should be.

Next, they receive a series of letters stating that the cheque had been stolen and cashed by a gang of “Rumanians”. One of these is from Manuel Valentins Asesoria, who state they have been officially appointed by the Court of First Instance Number 6 of Santa Cruz de Tenerife.

As they will be dealing with the recovery of the misappropriated funds a 10% payment is required for them to act on the client’s behalf, in this case 718.80 Euros. Off course this in in advance, but will be fully recovered from the clearing bank and added to the original amount awarded by the court.

Another twist to this sorry tale is at the end of the letter, they state: “It is showing on the system that you have a refund of tax from Hacienda the Tax office for the amount of; 1,509.48 Euros and we shall also follow up on that for you”.

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Again this is designed to give the impression of authenticity.

It must be remembered that when an award of this nature is made by a court, they do not send out cheques, especially on Banesto cheques, who were taken over by Santander many years ago and no longer exist. The payments would be made by wire transfer direct to the client’s account, the courts do not use cheques.

This particular scheme, from the start with letters of a pending case through to sentence, backed up with fake court documents, right through to the latest twist are a very sophisticated operation. The standard of English in the letters suggest a relatively high level of education and from a native English speaking person.

All the documents are very well put together and certainly would look genuine to those who don’t know.

Follow the link for previous articles or search Litigious Abogados in the search box.

http://insidetimeshare.com/news-litigious-abogados/

If you have been contacted by any of the “law firms”, “procurators” or “Asesorias” mentioned Contact Inside Timeshare. It is your information that just may help others to avoid losing a lot of money.

Again, if you have any doubts about any company you may have had contact with or may be thinking of using, Inside Timeshare is here to help.

Making up the News?

Just recently President Trump made very huge faux pas, announcing there had been a terrorist outrage, in of all places, Sweden. It was laughed at around the world with accusations of “fake news” and making up stories to enhance his views.

Well President Trump is not the only one to do this, on 8 August 2014 the RDO published a statement by Silverpoint. They made a big thing of how Silverpoint had appealed to the High Court and had the lower court rulings overturned. The article also stated that these rulings were not being published. Thereby implying that clients were being deceived, well that is the pot calling the kettle black!

Since then, the Supreme Court has overturned many of the judgments of the Tenerife High Court, that there were indeed breaches of the timeshare laws, with many more apparently in the pipeline. The Supreme Court is the end of the line, it is the Highest Court in Spain there is no where else to go!!

Another assertion (we use that term loosely) was that all cases would be lost, warning clients they would be liable for all costs and Silverpoint would pursue them for it. Well have they updated their views? It would seem not. No update that Silverpoint have lost in the Supreme Court, no update that they have been found to have usurped the timeshare laws, no update that it is they who have to pay clients costs and return the money paid. Sorry, these cases never happened. It’s “fake” news is the impression we all get.

One of the most long running cases is that of Mrs Shirley Wilson, who brought a case against the then Resort Properties, then Silverpoint, over the way she was sold multiple timeshare weeks. The case was originally won at the Court of First Instance, this was appealed at the High Court and overturned. Silverpoint claimed that the clients were “investors” therefore did not come under timeshare law.

This news is fact not fiction, as others would have you believe.

The case eventually went to the Supreme Court, it was overturned, with the Highest Court in Spain declaring that the clients were “Consumers” not “investors” and as such had the full protection of the timeshare laws. This has not been made up, unless the Supreme Court doesn’t actually exist in real life!

Only last week Mrs Wilson attended the offices of Canarian Legal Alliance, one of the so-called “scam exit companies” as the RDO put it in their 19 August 2016 news post. Mrs Wilson also attended a dinner to thank the lawyers and legal team for their efforts and hard work, this was attended by several State Prosecutors. Again this is not “fake news”, it actually happened.

Look we even have photos of the lawyers and a client who don’t exist!

law
The Canarian Legal Alliance Legal Team
IMG_6714
Eva Gutiérrez (lawyer), Csilla Nazali Mrs Wilson and Miguel Rodriguez Ceballos (lawyer).

I wonder if the following quote by Mahatma Gandhi is rather appropriate here:

“Truth Never Damages a Cause that is Just”

Or even this quote from Joseph Goebbels:

“If you tell a lie big enough and keep repeating it, people will eventually come to believe it”.

One day, the “fake” news will be replaced by the truth, the truth is starting here, Inside Timeshare will publish the facts. Inside Timeshare will publish what you the consumer needs to know about the timeshare industry. For too long this industry has ruled you, now it is time for you to rule them.

 

Supreme Court Rules against Silverpoint Twice in One Week

In a remarkable announcement the Supreme Court has made another historic ruling this time against Silverpoint. This case involves a retired lady from Yorkshire and has taken 5 years of legal battles to achieve.

The story begins when she purchased a timeshare at Club Paradiso in Tenerife, which she paid £25,000 with the promise that she could sell it at anytime as it would increase in value. This never materialised, she was then lumbered with annual maintenance fees.

In her first court hearing at the Court of First Instance they found in her favour, Silverpoint then took this to appeal at the High Court. This court overruled the first judgement and found for Silverpoint. Their argument was that Club Paradiso did not come under timeshare law as it was a “club affiliation”.

The lawyers at Canarian Legal Alliance did not agree and the case was then taken to the Supreme Court. In their deliberations 8 of the 9 Judges ruled that Club Paradiso did indeed come under timeshare law.

Within two days Canarian Legal Alliance received another ruling against Silverpoint, this time it was a Belgian Client who is now free of their ownership at Hollywood Mirage. Their contract has been declared null and void with the return of over 33,000€ plus legal interest and legal fees. The ruling in this instance was the length of their contract, being over 50 years or in perpetuity.

 

CLA Logo

Canarian Legal Alliance issued the following press release on 20 January 2017:

Canarian Legal Alliance is proud to announce that on 16 January 2017 another historical verdict was delivered by The Supreme Court of Spain.

The case began with the Court of First Instance finding for the CLA British client, this was overruled by the High Court in Tenerife, when the timeshare company Silverpoint appealed the first decision. The High Court’s opinion was that the Silverpoint product Club Paradiso did not fall under timeshare law 42/98, as they considered it was an “affiliation to a club”.

Canarian Legal Alliance felt this decision was flawed and ignored the rights of the consumer, thus appealing to the Supreme Court for clarification of the law. 8 of the 9 judges who studied the case considered that it was indeed a timeshare product as members paid a yearly maintenance fee, which is part and parcel of timeshare. They also concluded that even though the club membership was without a concrete apartment number or week, it was considered a timeshare and was regulated by the appropriate laws.

This is a groundbreaking verdict which will not only affect Club Paradiso and Silverpoint, but will have a significant effect many other club schemes and points systems in Spain.

Another aspect of this verdict was the court’s opinion the British client was a “consumer and not an investor”, again rejecting the ruling from the High Court in Tenerife. Considering this ruling now regards our client as a consumer and timeshare law applies, it gives all consumers of these products protection under the law.

Our clients contract was declared null and void, thus being Silverpoint was ordered to return to the client all payments made amounting to more than 31,000 Euros.

Canarian Legal Alliance is representing over 500 British clients in claims against Silverpoint / Resort Properties. Many of these claims are in regard to the misselling of the timeshare product as an “Investment”, whereby Silverpoint sold packs of weeks with the promise they will sell those weeks on behalf of the client.

With the so-called investment packs, clients were promised a return of at least 15% on their investment, none of these have ever materialised and many people have lost substantial amounts. Not only the initial investment but on subsequent upgrades, these were sold as better investments, as the original purchases were not of the best quality. These also include the payment of large amounts in annual maintenance costs.

This is not the first ruling achieved by Canarian Legal Alliance on behalf of British Timeshare owners, others have included the taking of deposits or any payment within the cooling off period. The banning of perpetuity contracts, floating weeks and point systems, this not only protects British consumers, but allows more British timeshare owners to receive justice in Spain.

The latest news from the Supreme Court:

It was announced yesterday 19 January 2017 that the Supreme Court has reached another verdict against Silverpoint for another client of Canarian Legal Alliance.

This verdict is in relation to the length of the contract being over 50 year, known as perpetuity, contrary to Law 42/98 of the Spanish civil code.

This is good news for many British timeshare owners who purchased in Spain, they now have a way out of their contracts and releasing them from the ever rising maintenance fees.

The following link is for the Supreme Court Announcement:

http://www.poderjudicial.es/cgpj/es/Poder-Judicial/Noticias-Judiciales/El-Supremo-declara-nulo-un-contrato-de-adhesion-a-un-club-de-vacaciones-de-49-anos-prorrogables

Link to El Diario article published 18 January 2017:

http://m.eldiario.es/canariasahora/tribunales/Supremo-condena-empresa-variante-timesharing_0_602990754.html
The Client has also agreed to being contacted if required.  Also for further information on this and other Supreme Court rulings please contact Canarian Legal Alliance:

Case Study: Shirley Wilson , Resort Properties

Another twist in this tale is the press release by Silverpoint, in this they do not agree with the decision. They also believe it will be overturned at a higher court, the question is what higher court as the Supreme Court is the highest in Spain.

According to Silverpoint they have begun working on an appeal to the Spanish Constitutional Court, but from our sources this is unlikely as the matter is not a constitutional one. They also claim they will raise the issue with the Court of Justice of the European Union, we say good luck to them.

As CLA stated in their press release they have over 500 clients with cases against Silverpoint, so this is welcome news for them. Inside Timeshare will follow this and keep you posted on the latest events.

The Northern Echo has already picked up on this case and this can be seen on the following link:

http://www.thenorthernecho.co.uk/news/15045851.Woman_wins_a_landmark_legal_ruling_on_timeshares/?ref=rl&lp=2

 

Are TCA Using Others Work as Their Own?

plagiarism

ˈpleɪdʒərɪz(ə)m/

noun

  1. the practice of taking someone else’s work or ideas and passing them off as one’s own.
  2. “there were accusations of plagiarism”
  1. synonyms:
  • copying, infringement of copyright, piracy, theft, stealing, poaching, appropriation;
  • informalcribbing
  • “there were accusations of plagiarism”

It has not gone unnoticed that the so-called  “Independent Voice” of the timeshare consumer, the TCA (Timeshare Consumer Association) is using other people’s work, writings and court victories, then making it look as if it is their own.

Inside Timeshare for some time has been researching and reporting on one particular enterprise, Litigious Abogados. Although we applaud the fact this story is being published to inform consumers of this “Fraud”, we do however find that by not citing their source or even acknowledging where it came from downright reprehensible.

It has always been the practice to give credit to the origin of any information, either by naming who and where it came from and providing a link to the original article. In the past Inside Timeshare has done this when using information from the “old” TCA, pre Mark Rowe ownership days. TESS has recently done the same for Inside Timeshare when they published further information from one of our articles.

The latest from the TCA is the story published on their website on 16 January 2017, titled Network of Cunning ‘Lawyers’ in Tenerife. In this article they mention their has been “correspondence” from a third party, who they say were involved. In this they imply that it is they who have received this correspondence. The fact of the matter is, the gentleman in question contacted Inside Timeshare about Litigious Abogados, after seeing one of our original articles. He sent us copies of all paperwork and emails, including a statement of events.

In this statement he explained how he was contacted, the dates of the case, how much he paid and how much he had to pay in “Tax”. This information has not been published in any other place, it is exclusive to Inside Timeshare who has documents and statements from several readers.

This is not the first time this has happened, it has also been noticed by our readers in the USA, who have seen very close similarities to the articles written by our American writer Irene Parker. Again much of the information included in these articles is exclusive to the writer and has not been published elsewhere.

Link to the original Inside Timeshare article published 3 January 2017

http://insidetimeshare.com/litigious-abogados-plot-thickens/

Link to the TCA article published 16 January 1017

http://www.timeshareconsumerassociation.org.uk/2017/01/16/network-of-cunning-lawyers-in-tenerife/

We leave you to decide.

This is Irene´s reply to the TCA

From Irene: Timeshare has enough warring factions. It does not help timeshare when those who are supposed to be on the same side are at odds. We hope TCA readers read IT and IT reads TCA. Like Charles, we are  grateful for any dissemination of information. I am a Diamond owner and a member of the 7000 plus member Diamond Facebook page. Whenever I am asked about a TCA article posted, I note that two of my articles have been plagiarized. Following the conduct of responsible journalism raises both publications to a higher level of standard and accountability. I will pay closer attention to your articles and write on a similar theme crediting your work. As we say in America, United we Stand, Divided we Fall, but that is not working very well at the moment over here.

plagiarism

Another matter on this theme are two articles published on 20 December and 8 December 2016. These refer to rulings made by the Supreme Court in Spain, against various timeshare companies and resorts. At no point do they in any article refer to the law firm who brought these cases to a successful conclusion.

When Inside Timeshare publishes any article on this subject we will say who the law firm is, we have on many occasions congratulated Canarian Legal Alliance on these results and reported the court’s findings. This is true for any firm who has success and wishes it to be published. Obviously upon verification of the facts.

CLA links

https://www.canarianlegalalliance.com/court-victory-dinastia-sl/

https://www.canarianlegalalliance.com/puerto-calma-payout/

TCA link

http://www.timeshareconsumerassociation.org.uk/2016/12/20/more-compensation-wins/

The TCA articles urge anyone to contact them if they have a claim, again implying they are responsible for these victories. Fine they do not actually say it is them, but the way it is written with no credits or links to original articles, the implication is there.

We wonder what their motives are and who they are passing enquirers on to, after all the TCA is now part of the Mark Rowe group of companies?

Inside Timeshare also emailed the TCA with the following on 16 January 2017:

Dear Sirs,

Although I am pleased that you are using my articles on a regular basis to fill your pages, I do take a dim view that you are trying to take credit for the information.

It is a common courtesy and a fact in the world of journalism to acknowledge and give credit to where it came from. In this article you have used information supplied by one of my readers. This has not been published anywhere other than my site.

This is not the first time, many of the articles have been basically copied, with my writer in the US not very pleased that no credit was given to her or our site.

As for this company, I do agree that this information needs to get out.

But you do not do yourselves any good by this sort of action.

Charles Thomas

Research Journalist Inside Timeshare

All we received was an automated reply wishing us “Happy Holidays” and that their office will be closed until 3 January 2017.

This speaks volumes, to our mind they are not the association originally set up by the late Sandy Grey, or the new TCA set up after his passing.

Inside Timeshare leaves it to you the readers and consumers to decide who you can trust.