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Friday’s Letter from America

Welcome to this week’s Letter from America, unfortunately, this will be the last one that we publish as Irene Parker no longer has the time. She must now concentrate on her defence in the upcoming subpoena and also her work with the new Organisation TARDA. Today’s article covers another 5 complaints from owners of the Wyndham Carriage Hills and Carriage Ridge Resorts in Canada. These are another example of a “Nightmare on Timeshare Street”.

Wyndham Carriage Hills and Carriage Ridge Resorts

Carriage Owners’ Reports 129 – 133

Will there be a change in holding heirs responsible for maintenance fees on a fully paid for timeshare?

Carriage Hills and Carriage Ridge Annual Meetings are October 21 and 22

By Irene Parker

October 18, 2019

ARDA’s Coalition for Responsible Exit

https://responsibleexit.com/

“Find Your Resort” will take you to16 boxes to choose from.

Four of the boxes are Wyndham:

Club Wyndham

Margaritaville Vacation Club by Wyndham

Shell Vacations Club owned by Wyndham

Worldmark by Wyndham

Wyndham’s Carriage Resorts is not one of them. I’m not sure if it is because Carriage is a property Wyndham acquired when they acquired Shell Vacations Club, or because the property is in Canada, but these Wyndham owners are being unfairly held hostage by weaponized Canadian timeshare contract law.

Meanwhile, the Canadian government has issued a warning about buying a timeshare in Mexico. Carriage Resorts marketing flyers promised “Freeze the cost of future Vacations” “Equity $ position” and “Worry-free vacations” yet Stephanie’s grandfather Gary is in a nursing home, pursed for maintenance fees. Maintenance fees have increased from $600 a year to $1,500 a year. Stephanie’s story: https://insidetimeshare.com/fridays-letter-from-america-71/

Canada issues travel advisory due to high-pressure sales tactics used to sell timeshares in Mexico The Yucatan Times October 12, 2019

https://www.theyucatantimes.com/2019/10/canada-issues-travel-advisory-for-high-pressure-sales-tactics-used-to-sell-timeshares-in-mexico/?fbclid=IwAR0LgdWeFEFlsvMf417O5R6KI9A50RykGBsXOpABeDqGsW_BRkyzsKJcE-Q

Excerpt from my comment:

In response to my Inside Timeshare article back in September, I received 131 emails from Canadian residents, Carriage owners, betrayed by false advertising. On Friday I will publish my 10th article about the tragedy of Canada’s consumer protection turning their back on their residents held timeshare hostage. One symptom of Elder Abuse is Financial Exploitation. No one wants to tamper with incoming revenue so point the finger elsewhere. As the late Indian Jesuit priest and psychotherapist Anthony DeMello said, “I’m pointing to the moon and you’re staring at the end of my finger.” Reading the contract would not have helped Carriage Ridge owners. You can’t blame them for believing the published marketing materials.  

I’m told a proposal will be introduced at the upcoming Carriage Resorts annual meetings October 21 and 22 to offer those who wish to exit the timeshare a way out. There will likely be criteria and restrictions that must be met. Let’s hope the Carriage Board recognizes that not even allowing foreclosure, holding descendants responsible for maintenance fees on a fully paid-for timeshare, is draconian, to say the least. Carriage owners anxiously await the upcoming meetings to learn if they really do have a voice.

Carriage Owners 129 to 132

Paul, Dianne, Patrick, Debra and Diane

Prior Carriage Hills and Carriage Ridge reports:  

Stephanie’s Grandparents

https://insidetimeshare.com/fridays-letter-from-america-71/

Carriage Owners 115 – 128

https://insidetimeshare.com/fridays-letter-from-america-67/

Carriage Owners 91 – 114

https://insidetimeshare.com/the-tuesday-slot-47/

Carriage Owners 61 – 90

https://insidetimeshare.com/fridays-letter-from-america-66/

Elizabeth’s Analysis

https://insidetimeshare.com/the-tuesday-slot-46/

Jeannie’s Medical Hardship Dismissed

https://insidetimeshare.com/fridays-letter-from-america-65/

Carriage Owners 31 – 60

https://insidetimeshare.com/the-tuesday-slot-45/

David’s Medical and Financial Hardship Dismissed

https://insidetimeshare.com/fridays-letter-from-america-64/

Carriage Owners 1 – 30

https://insidetimeshare.com/the-tuesday-slot-44/

Dianne mentions in her report that she paid thousands of dollars to advertise with SellMyTimehsareNow. SMTN pirated Inside Timeshare’s keywords so when you search Inside Timeshare you get “Inside Timeshare Sales and Rentals” with a link to SMTN. This is unethical and unprofessional.

Members of the Licensed Timeshare Resale Brokers Association charge no upfront money to list a timeshare.  https://www.licensedtimeshareresalebrokers.org/

Thank you to all the Carriage Owners who have shared their feelings about a drastically restrictive policy that has financially, physically, and emotionally harmed so many. I look forward to meeting those of my new 131 Canadian friends who will be attending the October 21 and 22 meetings.         

Carriage Owner #129 Paul E

Hello Irene!

We bought at Carriage shortly after it first opened. Our hope was that owning in Ontario would give us the ability to use the resort beyond the one week every other year we purchased. What I have come to know is that the contract grossly favoured the developer and left me with virtually no path to exit. I do not want to transfer this burden to my children, and given the condition of the resort, and the changing clientele usually occupying it, we have little desire to use it. We place our weeks with RCI and go elsewhere.

While we are not a hardship case at this point, that day may well come. Maintenance fees continue to rise well beyond the rate of inflation. More and more owners will simply stop paying their fees, leading to even higher annual increases. If not already the case, it will be cheaper for someone off the street to rent a week here than it will be for me to use my owned week. And it is clear that there are thousands of owners like me, or worse. I served on the Board for one year during which time it became clear to me that the Wyndham executives I met with had no interest in resolving these issues. It is so sad to see that a vacation dream for my family has turned into a nightmare!

Paul K, Ontario 

Carriage Owner #130 Dianne C

Hi Irene

Thank you for highlighting the desperate situation facing Carriage Hills/Ridge timeshare owners. Your article was excellent. I have owned at Carriage Hills since 2000. Easily, this was my worst life decision. I have been trying to get out from under the thumb of Wyndham for many years. 

I’ve always paid my bills. It goes against the grain to go into arrears & declare bankruptcy. It would also place an even greater financial burden on the remaining owners who are trying their best to hang on until an exit strategy becomes available. I paid thousands to Sell My Timeshare Now to advertise the property for $1. I have posted on Kijiji for years offering to pay all legal fees for the transfer. I offered to give the mortgage-free title to Wyndham. I offered to pay Wyndham to take it back – All to no avail.

As time passes my financial situation becomes more difficult. As a senior with no discretionary spending, I now squeeze my food budget to save up to pay the maintenance fees for something I do not want & will never use. The Food Bank subsidizes my groceries so I can keep paying into the bottomless Wyndham pit. I am ashamed to take from a charity to help pay for my terrible decision. I am racked with guilt & anxiety. It is nothing short of highway robbery in broad daylight.

Any attention you can bring to this major issue will be much appreciated. Thank you very much.

Regards, Dianne C 

Patrick K Carriage Owner #131

Hello Irene and thank you for your time.

My wife Miriam and I bought into this “investment opportunity” back in 1998. The sales pitch made sense at the time as the dues equalled roughly $450 per year. We signed up for a Red week every second year. Miriam was not so sure at the time, but I bought the pitch and talked her into it. How could we lose as it was an easy drive from home and once the deed was paid off we could build a little equity for the future? Sadly, this investment has turned out to be a money grab and at this time there seems no way out but to keep paying, even after death.

We totally understand some may still be enjoying the experience of a week at Carriage Hills.  The thing I and others are ashamed of is that we only saw the beautiful accommodations and trusted the sales person’s pitch. We also paid some company roughly $700, trusting their word they could sell for us. Once the check was cashed I never heard another word and then suddenly, just got a voicemail for a while, and then gave up.

Our dues are up to date. I have no intention to default but this will not last much longer as a fixed income is fast approaching. I honestly did not see and refuse to believe our retirement income needs to consider a payment “for life” to a company that in no way is losing revenue as they rent out our un-booked paid for units at a total profit.

Sincerely, Patrick and Miriam

#132 Debra F

Hello Irene,

My husband and I bought a Red Week every year week at Carriage Hills resort. We purchased in 2001 when our kids were little.  We were introduced to the concept of timeshare through friends who owned at Smugglers’ Notch, Vermont. 

Initially, we enjoyed Carriage Hills and made several exchanges to various US destinations.  There were some good vacations and great memories. However, after purchasing our Carriage Hills timeshare from the Developer, I learned in hindsight that it was an error. There were resale opportunities that could have saved us many thousands of dollars.  

In 2003, we exchanged into Waterside by Spinnaker in Hilton Head SC and attended their timeshare presentation.  We made it very clear that we had no intention of owning TWO timeshares. We were told that as part of the purchase of one of their weeks, they would sell our Carriage Hills interval.  They said they had a buyer, but we would only get around $3,000 for it. They said the paperwork would be delivered by the time we arrived back home. We purchased another unit with the promise that they would sell our interval at Carriage Hills. Within the cooling-off period, I was uncomfortable because here I was again, buying from a Developer. There was nothing in writing about the sale of Carriage Hills. When I voiced my concerns to the sales rep I was reassured that the documents were in process.  I have a copy of the letter I sent the sales rep, Ted J. Morris, dated December 2003 in which I referenced the sale and faxed him our deed as he had requested!! So now, we own two.

We are older now, and the kids are grown.  With all the changes over the years at RCI, with variable trading power points, needing multiple maintenance fees/intervals to exchange into many of the nicer resorts, lack of inventory etc. and our increasing age and reduced income, we need an exit strategy.  I can’t find a buyer for our Carriage Hills unit, and friends can rent there for the same or less cost through travel websites, so I can’t even recoup my maintenance fee via renting. Carrying the costs of two intervals is not sustainable. To my knowledge, there is no exit strategy for that one either. It’s a terrible feeling knowing that we’ve been taken advantage of.   

For now, my main concern is trying to find an exit strategy for CH. When I look back at the documents that we were given at the time of the sale, and all the ‘benefits’ of ownership – deed and title, equity dollar position, year-round country club, save, rent, lend, sell, will….the benefits are gone, except for the noose around our wallet.

Thank you for any assistance you might be able to provide to us.

Kind regards,

Deborah & Paul F

#133 Diane W

Thank you so much for coming to the Carriage Hills AGM and for meeting with unhappy owners that have no way out. We bought when it first opened, well over 20 years ago. I am sure you have heard from many about the ever-increasing maintenance fees, and the inability to sell or get out. We are seniors now and do not wish to visit CH any longer or to “trade”. Our ability to pay these fees for something that we do not want and will not use is very difficult as we live only on our savings.

We have no children but we do not wish to burden our estate with this “ball and chain” expense. We are fed up with the fact that Wyndham rents these units out to benefit Wyndham. We have two sets of friends that also bought, and feel exactly the same way do, so this email can count for three two-bedroom units, and six unhappy owners. Please Help!

The fact that an exit strategy will be even be discussed at the Carriage annual meetings shows what the collective voices of consumers who have been harmed can accomplish. Get Involved. Make a change where change is needed.

Join our new organization Timeshare and Resort Developer Accountability Inc.

A donation of $10 or more will enroll you as a member of TARDA. 

https://tarda.org/

Other self-help advocacy groups:

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

https://tug2.com/Home.aspx

https://www.barnesandnoble.com/w/everything-about-timeshares-wayne-c-robinson/1129749757?ean=2940161600962

Free at Last Timeshare Support Course offered by Straight-A-Guide

https://www.udprep.info/june

Bluegreen Facebook

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

Wyndham Facebook

https://www.facebook.com/groups/376743609795740/

Wyndham Carriage Resorts Facebook

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

Sapphire Starpoint  https://www.facebook.com/login/?next=https%3A%2F%2Fwww.facebook.com%2Fgroups%2F292083584642570%2F%3Fref%3Dshare

Diamond Resort Facebook

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

Gold Key Facebook

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

Inside Timeshare Facebook

https://www.facebook.com/insidetimeshare/

Inside Timeshare Facebook Group

https://www.facebook.com/groups/2213231165610648/

I wish to thank Charles Thomas, and all who have read and responded to my articles. Due to a lawsuit Diamond Resorts filed against Finn Law Group, a lawsuit I have nothing to do with, I must devote my time to raising $25,000 for my Legal Defense against Diamond Resorts GoFundMe. You can find “Highlights of the Timeshare Week” posts on the TARDA website on Fridays beginning in November.

Thank you Irene for all the work you have put into the articles we have published over the past few years and thank you for all the help you have given to beleaguered owners. Inside Timeshare wishes you all the best in your defence and also with your work for TARDA. 

 Well, that is all for this week, please join us next week for more on the world of timeshare.

Have a great weekend.

Breaking News: Courts Order More Embargoes on Silverpoint

Yesterday we received the news of a further 6 properties which have embargoes placed on them by the courts against Silverpoint, this morning we have been informed that another 5 embargoes have been placed. This comes as a result of Canarian Legal Alliance placing enforcement orders on behalf of their clients.

One page from the court embargo

The total value is estimated to be around 3 million euros, which now secures the payments to clients awarded reimbursement by the courts for the purchase of illegal contracts by Silverpoint. We have only recently published articles on the reasons why Silverpoint have not paid out these clients as ordered. This latest move certainly sends a clear and precise message to Silverpoint and any other timeshare company that the courts will not tolerate tactics designed to avoid payments.

Beverly Hills Club

This is obviously very good news for all Silverpoint clients of CLA, they can now be assured that their lawyers are doing their utmost to ensure that they receive the justice they so rightly deserve.

http:// https://canarianlegalalliance.com/more-silverpoint-properties-embargoed/

Inside Timeshare will keep you posted on further developments on this subject as and when they come in. If you have any questions on your own purchase then please use our contact page and we will get back to you.

German Version

https://translate.google.es/translate?hl=en-GB&tab=rT1&authuser=0&sl=en&tl=de&u=https%3A%2F%2Finsidetimeshare.com%2Fbreaking-news-more-embargoes-on-silverpoint%2F

Norwegian

https://translate.google.es/translate?hl=en-GB&tab=rT1&authuser=0&sl=en&tl=no&u=https%3A%2F%2Finsidetimeshare.com%2Fbreaking-news-more-embargoes-on-silverpoint%2F

Swedish

https://translate.google.es/translate?hl=en-GB&tab=rT1&authuser=0&sl=en&tl=sv&u=https%3A%2F%2Finsidetimeshare.com%2Fbreaking-news-more-embargoes-on-silverpoint%2F

Finnish

https://translate.google.es/translate?hl=en-GB&tab=rT1&authuser=0&sl=en&tl=fi&u=https%3A%2F%2Finsidetimeshare.com%2Fbreaking-news-more-embargoes-on-silverpoint%2F

Italian

https://translate.google.es/translate?hl=en-GB&tab=rT1&authuser=0&sl=en&tl=it&u=https%3A%2F%2Finsidetimeshare.com%2Fbreaking-news-more-embargoes-on-silverpoint%2F


Nordic Consulting: The Facts

Inside Timeshare has been receiving many enquiries about Nordic Consulting Canary Islands SL, CIF: B76781228, registered as a company on 17 October 2018 so it is only just been in operation for 1 year. The CEO and owner of the company is Ali Farhoud, who as we know is an ex-Silverpoint sales agent.

The nature of the enquires has been the claim made by the calling “consultant” is regarding making a legal claim to refund the purchase price through a court case against Silverpoint. In many of the enquiries, our readers have informed us the “consultant” who called is the very same person who sold the product in the first place.

During the call, the “consultant” has claimed that they, Nordic have had “victories” from the Supreme Court and the High Court. When having the copies of the court documents checked these have not been brought by Nordic. They belong to another law firm.

FACTS

  • Nordic Consulting has not won any cases in the High Court
  • Nordic Consulting has not had any judgements from the Supreme Court
  • Nordic Consulting has not paid out to any client

Also for a case to be brought before the Supreme Court also take a long time, in a recent Supreme Court ruling this was the timing:

  • First Court hearing 4 April 2015
  • High Court hearing 22 December 2016
  • Supreme Court filing 2017
  • Supreme Court ruling issued 4 October 2019

This should leave you the reader in no doubt that their claims are to be polite “exagerated”

Inside Timeshare has also been told by concerned readers the “consultant” has told them that they must first have their contract cancelled and then make a claim. The problem is that once the contract is cancelled then no claim can be made through the courts.

They also recently published a photograph of their “team” outside their new offices, these are located close to their original ones. Look carefully at the photograph, you may just see someone that sold you the product!

There are several people in the lineup who have no connection to Silverpoint and one of those is the lawyer Luis Sanchez Garcia Yanes, who is actually a very good lawyer. He has won several cases but these have been on behalf of clients for another law firm who he was previously working with.

This image has been reposted as we have been informed by our legal advisors that as this image is already published and also can be found on Google Images it is already in the public domain.

The question that you the reader should be asking yourself is should you trust a company owned and staffed by the very people who sold you the illegal product in the first place?

Inside Timeshare leaves you to make up your mind.