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Viking Real Estate & Nordic Consulting

Over the past few months Inside Timeshare has been receiving many enquiries about two companies based in Tenerife and operated by names well known to Silverpoint clients. We refer to the Farhoud Brothers, along with their respective companies, Viking Real Estates & Consultants and Nordic Consulting Canary Islands. One thing that is common to all the enquiries is that the clients were originally sold their “timeshare products” by the Farhoud Brothers or ex-Silverpoint salesman who now work for them. So what are they now offering their “old clients”?

Firstly let’s look at Viking Real Estates & Consultants, this company was founded by Mike Farhoud around one year ago and is based at C.C. Palm Beach Local 19 Avda Rafael Puig LLuvina 38660 Playa de las Americas Tenerife. According to the website they have the CIF number B76689603.

Mike Farhoud

When checking company records originally, that CIF number brought up the record for a company called Tuscan Garden SL, located at a different address, but the Administrator is one Mike Farhoud. So it looked like he was using another company to operate Viking Real Estates, although recent checks do now show the record for Tuscan Garden SL has now been amended through a change of company name to Viking Real Estates & Consultant.

No problem there, but it is when you look at the sector the company is registered to operate in is where it gets interesting. According to the records, the sector of trade is Restaurants and Food Stalls, nothing to do with Real Estate or even timeshare claims.

Surely, when a company is formed and its purpose is registered in a particular sector, it should be working in that sector, not doing something which it is not registered as doing. The question is, why is the original purpose of the company still restaurants and food stalls yet not being changed to the purpose now, real estate and timeshare claims, is there something to hide?

Let us now move on to Nordic Consulting Canary Islands SL, this company was registered on 17 October 2018, so is only just under one year old. The registered administrator is Ali Farhoud, another ex-Silverpoint salesman, who is now contacting Silverpoint clients with the promise of the return of double their money and cancellation of contracts. All for products he originally sold with his brother Alex Farhoud who is one of Nordics consultants.

Ali Farhoud

One email we have received tells us the clients story, it begins in October 2017,

“when we received a letter under the door from Alex Farhoud (at that time he was working for Silverpoint), that he wanted to see us the next day”.

The purpose to sell them an apartment, or so they thought. What they had actually purchased was the “Company Participation Scheme”.

At the Silverpoint office, Alex probed the couple about their finances and told them he thought there would be no problem for them to afford the purchase. They looked at two apartments and decided on the one being refurbished.

Going back to the office with Alex, he explained all the possibilities open to them, that they would receive 4.5% interest until they were given the title deed, this could take around 3 years before it was ready. But once they received the deed the apartment would be rented out for them with a return of 47.5% of the rental income. Doesn’t sound too bad really!

The cost was over 240,000€, no cooling off period and a down payment of around 5,000€ with the balance to be paid as soon as possible. This was paid within a couple of months.

The next part of the story is where it now gets interesting, in around May 2018 Alex contacts the clients and informs them that Silverpoint was facing “financial problems” but there was a solution.

Alex Farhoud

If they paid Alex 10,000€ he would help to get their money out, they duly paid. They were also told that if Silverpoint called:

“We must not say that he (Alex) called us, but we called him”.

This couple then became very suspicious indeed, well I think most of us would with a response like that.

It must also be pointed out that the 4.5% they were to receive for 2017 due in 2018 was not forthcoming, they eventually received it at the end of 2018 after a lot of pressure on their part.

At the end of 2018, they received another call from Alex who told them:

“That they would not be getting the title deed because what they bought was (hidden?) TIMESHARE”.

But low and behold there was a great solution in the wings, Alex’s brother Ali could help them to get all their money back double plus all expenses. All they needed to do was pay over 29,000€ to Nordic Consulting, Ali’s company and all would be well.

Needless to say, the couple’s suspicions were again aroused,

“first Alex sells to us” (this “dodgy” product), “then his brother Ali will help us to get back our money”.

Well, this couple did not fall for it, they are now waiting for their court dates to be announced being represented by an experienced law firm in this field.

It must also be noted that both companies are using court documents especially the Supreme Court Rulings giving the impression that they are theirs, having seen the documents and made the relevant checks they belong to another law firm. This law firm is also the only one to have had any rulings from the Supreme Court.

This story based on email testimony is just one of around eleven received so far.

After much research in the Spanish Courts Inside Timeshare has not yet found any cases related to these companies in either the High Court or the Supreme Court. So the question is do they actually have any cases and doing what they have been promising their clients?

Do you want to know where you stand legally with any timeshare product purchased in Spain, if so use our contact page and Inside Timeshare will point you in the right direction.

The Tuesday Slot

Welcome to another edition of The Tuesday Slot, following on from last Friday’s Letter from America on Wyndham’s Canadian Resorts Carriage Hills and Carriage Ridge, Irene Parker highlights the first 30 complaints received by Inside Timeshare. So far we have received 110 which we expect to rise as more and more owners find these articles, one thing is certain they are all telling a very familiar story, deceptive practices by the sales agents.

Wyndham’s Canadian Carriage Hills and Carriage Ridge Unfair and Deceptive Business Practices

An Open Letter to:

Jason Gamel, Wyndham Sr. VP, Legal, and ARDA President  

By Irene Parker and 30 of 110 + Carriage Resorts Victims of Unfair Practices

August 20, 2019

After publishing our August 8 article challenging ARDA’s Coalition for Responsible Exit program, I reached out to a Canadian friend asking about Canadian Legacy owner Simon D’s Carriage Resort complaint. The article described six out of eight fully paid Legacy owners not allowed out of their contracts. A seventh, homebound, contacted us, so seven resorts out of nine single-site resorts in the U.S. are not being allowed voluntary surrenders. Lawmakers are not hearing the whole story. Shockingly, in the case of Wyndham’s Carriage Resorts, owners are required to pay maintenance fees or be sued.  

While the Canadian Consumer Product Safety Act may seem more geared towards manufacturing, those who take the time to read 110 reports of those held hostage in a timeshare trap, will understand Wyndham and Carriage’s draconian and predatory policies can cause adverse health effects too. Seniors in their 70s and 80s, and even their heirs if deceased are being sued for maintenance fees. These fully-paid owners have watched their maintenance fees double over the years, while their income in retirement decreased.  

Carriage Resorts may be domiciled in Canada, but U.S. based Wyndham acquired Carriage Resorts from Shell Vacation Club several years ago. Despite Wyndham promoting their Ovations voluntary surrender program, Carriage owners are held in a predatory grip even when they can no longer travel. 

Please take the time to read through over 110 complaints submitted by Carriage Resorts owners, beginning with complaints 1 through 30. Reports 31 thru 60 we will publish Friday. Timeshare buyers were routinely told their timeshare would be easy to sell because the timeshare is real estate.

August 8 article:  

ARDA”s Coalition for Responsible Exit Fails Legacy Owners

August 16 article:

Simon’s complaint prompts “Two Carriage Resort Owners Describe Unfair Practices”

Mr. Kenneth McKelvey, founder of Defender Resorts and Chairman of the timeshare PAC ARDA ROC, testified at a legislative workshop held in Tallahassee Florida March 12, 2019, that attorneys and timeshare exit providers are not needed.

“Most of the developers I know, and certainly most of the timeshare managers I know, and I managed timeshare properties for thirty years… every single resort had a dissolution policy, every single one! There was a way to get out. You had to come to your management company, and based on what the board of directors instructed us to do in the terms if they had to pay a fee or if they had to be current, whatever those situations were, we did not have one that did not have a dissolution policy and a hardship policy …”

ARDA’s position is that the problem of the lack of a secondary market has been solved. A quote from an ARDA lobbyist:

“Their value comes from using it,” the timeshare industry’s top lobbyist told ConsumerAffairs in January, admitting that points have no resale value while claiming that consumers don’t mind this because the value comes from the experience.

The first 30 of 80 complaints:

Any delinquent owners are being sued for unpaid maintenance fees. Many of the aged owners are finding themselves in a real bind with health problems and limited from travelling anymore. The last thing they need is to be sued. Don and JoAnne  

Over the last 10 years, we have approached and been approached by several companies offering to transfer our units. We have probably lost about $30,000 trying to exit. Colin and Mimi

While Wyndham’s CEO Michael Brown is bragging about putting $1 Billion into expanding their timeshare business. If that is not the epitome of corporate greed, I don’t know what is! Cheryl

I wrote and told them they were heartless.  I have to take my blood pressure daily and my Family Physician asked why it fluctuates so much, as high as 160/80 recently, I told him the financial burden this timeshare is and the nightmare it has become. He has warned me the next stroke might be fatal. This timeshare is like having a noose around my neck. No one in my family wants it.  Jeanne

#1 Doug M

Twenty plus years ago we bought into what seemed to be an exciting package of vacation opportunities. Through the years, our maintenance fees kept climbing and climbing. Now our fees have climbed so high it’s no longer a viable option as they (Shell and Wyndham) have adjusted and changed the rules giving us less and less time with our timeshare. 

I am now retired with failing health. I just had open heart surgery and my kidneys have stopped working. I’m on home dialysis.  With this, my wife and I have lost the desire to travel. I can no longer swim or use many of the facilities. It is almost impossible to sell.  It seems I have to pay someone to take it. Thank you for representing our views.

#2 Greg and Christiana

Hi Irene,

My wife and I have been owners at Carriage Hills Owner since 1999 and have enjoyed many vacations that we shared with friends and family. A few years ago we moved to British Columbia. We can no longer use the resort with any frequency so looked into selling. Much to my surprise, I came to the realization that there are zero markets for these timeshares. There are 100s listed for sale! Some are even willing to pay a lawyer’s fees for the transfer and others offer a year or more paid maintenance fees. People are willing to walk away from their investment, in my case, around $17,000. We are willing to pay lawyer’s fees and also pay a few thousand in maintenance fees just to walk away. Very few owners have been able to get out of this. I have spoken to the Board of Directors, people at Shell Resorts and Wyndham without any solution.

This desperation has fueled scam agencies that are willing to take our money with false promises that they can get rid of it. People are getting scammed out of $1,000s of dollars.

It seems that no one is willing or able to help owners. Couple this with the rising maintenance fees and, to my horror, the knowledge that our Board, overseen by Wyndham, is actively suing elderly owners in arrears on fees who cannot use the resort due to health or sell due to no market. They can’t give it back to Wyndham because they don’t want it.

Please, we need help. This is a major crisis just waiting to explode.


Greg and Christina

#3 Stefan J

I have been a Carriage Resorts owner for 20+ years. We converted our weeks to points a few years ago. At first, the annual fees were quite reasonable. We used the weeks yearly as our boys grew up. I have divorced and can’t use the points anymore. I am 68 years old and about to retire. The maintenance fees are $1,500 a year. It seems impossible to exit. I don’t want my boys (who did not even sign the contract!) to worry about this liability. I don’t mind spending some $$ to get out but I have heard all exit companies are scams.

#4 Lori and Roy

My husband and I bought our timeshare at the beginning of our relationship seeing it as a great investment. Our situations changed when I went back to school and became a teacher.  I now do not travel very much as I don’t enjoy travelling on the March or Christmas break. I need that downtime for sanity. We were also given my uncle’s timeshare so we now own two.

Last year we were in arrears.  I called the resort to ask about selling. In the past, at Carriage timeshare presentations, we were offered timeshares that were ‘returned’ so I assumed they would help me get rid of the timeshare.

I do not have the money to travel or pay my dues. Wyndham and Carriage have made it impossible. That just seems crazy.  “We have a great option for you, but you cannot know what it is or how much it costs unless you spend some money to come and hear us tell you about it.” I am not spending more money. That is insane.

I followed all of the information on their site about resale but did not find any help. Lots of organizations offered to help if I gave them a couple of thousand dollars upfront – really?! I have listed everywhere and tried to give it away and I still can’t get rid of it. I have no idea what to do.  I borrowed the money to pay off the dues for this year, but still have not paid that loan back. By the time I do, the next dues will be due!

#5 Mel and Anth

Good afternoon Irene!

My husband and I own at Carriage Hills. We bought an every other week (red) November 2000. While we did have some really nice vacations we haven’t been happy with our exchanges in close to a decade. We’ve listed it with timeshare exit sales companies and lost money. We’ve purchased another timeshare with the promise (in writing) that they would take Carriage Hills off our hands. Later we found out that Carriage Hills could not be sold to a Corporation and we were still on the hook and now we have another timeshare to boot!

We’re frustrated and at a loss. We thought about walking away but learned that it affects the rest of the owners and our credit, so we know that’s not an option. We reluctantly pay our dues and exchange for a place that is worth far less.

We dread the idea of passing this burden onto anyone else. If it wasn’t a lifetime (and beyond) deed, it may be worth owning, but as a lifetime deed, it’s a curse.

Thank you for listening. I pray that you’re able to help us all find a way out.


#6 Don BG

We bought a timeshare from Carriage Hills. We have a liability, not an assist.  We can’t give the timeshare away or sell it because Wyndham will not approve any transfers.  It is taking up to six months to make a decision. No other business in the world is this slow.  As we age we would like to get rid of this liability we paid big bucks for. Wyndham could resell but instead insists on sending collection agencies to older people who no longer use the resort or can afford it, yet they rent it out to non-owners telling us that it is all sold out. 

In the US some resorts take back timeshares or resell. We just get grief.  I buy a car and yes I take a loss when I resell it but I can still resell. A timeshare is worth nothing the moment you buy it because no one wants to deal with these crooks.  How this is allowed to happen in Canada is beyond me. Where are the people who will stop this evil? 

Any help you can give is greatly appreciated. 

#7 Lillian

Hello Irene – my husband and I own at Carriage Hills and at Carriage Ridge.  We had the opportunity to use the facilities from time to time but that has changed since we now live in Prince Edward Island, a 19-hour drive.

What I am learning is frightening.

When we bought in 2001 we were assured that when we no longer were able to use our timeshare, there would be no problem – the company would purchase the unit back from us at fair market price – which was predicted to skyrocket – and we would have had all the travels we wanted in the interim.

Exchanging is getting more difficult.

The maintenance fees have skyrocketed to the point where it is cheaper to stay in a hotel or Airbnb. Communication from the resort has been spotty at best and basically non -existent from Wyndham.  

We would feel much more comfortable not to have to worry about our children, upon our death, being responsible for our purchase made so many years ago, sold to us as being a wise, wonderful investment.  

It does not feel like an investment with the maintenance fees that are now well over $1,000 per year plus additional SVC/RCI required membership.  We set aside money every month so we aren’t hit with the huge maintenance payments due in November – just short of Christmas.  

I believe the timeshare owners are entitled to an exit strategy as a first step in making the situation not so worrisome for owners who want to move on or whose travelling days are over.

Thank you.

Lillian L

#8 Leslie W

Good Day Irene

We purchased our unit back in 2000 and have had some nice vacations.

We were advised by the salesperson that this was just like investing in real estate. We could sell our unit at any time (and the implication was that it would be at a profit).

With escalating Maintenance Fees and changes in life conditions, we no longer wish to own this. None of our children would be interested in it, nor could they afford it.

I have had many sleepless nights trying to figure out how we can get out of this. I and many others are willing to WALK AWAY. We certainly DO NOT want to burden our heirs with this ridiculous responsibility. I only hope we can find a resolution.

Best Regards,

Leslie W

#9 June R

Hello Irene. I want to support your advocating for a timeshare exit plan.  I have been a deeded owner since 2002. I enjoyed my experiences but I am significantly older and my circumstances won’t enable me to continue paying maintenance fees into infinity. I have paid my fees every year without fail.

Thank you.

#10 Bill S 

I have two deeds. I would like to get rid of one of my years.

#11Natasha C

My husband (at the time) and I purchased our first deed at Carriage Hills back in the late 90’s. We were told it was an investment that could be willed, resold or deeded back if we no longer wanted or needed it. 

After a couple of years, we received a call to come to the resort for a sales presentation of the points program.  We attended with the idea of selling it back because we were under the impression we could. Our maintenance fees increased yearly. 

In 2011 we had our first child. Our priorities changed. I started to feel that we should consider deeding it back. We divorced in 2019. I am now desperately trying to get out of my deed.

I called Wyndham when I learned of the Ovation Program. I was informed by the Representative that Wyndham was not taking back Carriage Hill deeds but I could look at posting the deed for sale as a listing on Kijiji or our Carriage Hills Home Owners Association Website. The majority of the postings were for $1. I was gobsmacked with the sudden reality of my situation.

I believe that Wyndham must be renting Carriage Hills units out on various external travel websites and at a fraction of the cost, it would be for me to list to rent or sell my unit.  I also now start to question that if my timeshare is not-for-profit but owned and managed by Wyndham, is that not a conflict of interest? 

I’ve tried reading and understanding the Time Share Agreement and other contracts that hold me bound in perpetuity to this fractional ownership but that honestly make my eyes crossed.  Delinquent accounts are taken to court and then not only have to pay the fee but also the costs to have the litigation due to delinquency. I’m considering bankruptcy but being self- supported and with an 8-year-old daughter, I simply do not want to go that route. Some members have written local MPs but it seems to go nowhere.

I’m thankful that I’ve found an ear to listen to my situation.  This timeshare is literally the first thing on my mind when I wake and the last thing on my mind before I go to sleep.  I feel ill that I’ll need to go another $1300 in debt just before Christmas so I don’t get myself in “trouble” with Wyndham. The hardest part is that I know they are a huge entity and could take my deed back and benefit from it more than the trouble it causes me.

Thank you for your time,

#12 Natalyn

What do we need to do?

#13 Irene B

Hello Irene, My Carriage Hills Deed I purchased in May 2002.  I was so very proud of this purchase, but now very upset, sad and anxious. I don’t know what I own, except a piece of junk no one wants. I wanted to sell as my life has changed as is the case with many. In the past year, I have seen people giving them away or paying to give them away. Our maintenance fees have increased from $568 to $1368.  

I’m worried for my daughter who has to take on this burden. I feel I was very misled by the sales team back in 2002. So much has changed and not for the better. I just want help to exit my timeshare.  This is creating lots of anxiety for me.  

Irene B

#14 Anne C

Dear Irene

The Carriage Hills/Ridge exit situation for our family is terrible. My husband suddenly became extremely ill in 2005 and has been living in a nursing home ever since.

The purpose of purchasing the 3 timeshares was mainly for vacations in retirement. Now that we are senior citizens, we are unable to fulfil this dream because he is unable to travel. He was unable to work from the time he was age 60. We could not save money for retirement. Once he got sick we had to pay the nursing home fees in addition to my living expenses. Therefore we cannot afford the maintenance fees which have increased drastically. We need to exit from the timeshares immediately to avoid having to pay maintenance fees.

Is there a way to give away the timeshares and not have to pay any more fees?


Anne C

#15 Sharon H

Hi Irene,

I read your article on the non-existent exit strategies at our resort. We bought into Carriage Hills over 20 years ago. We were told that as deeded owners, the property would increase in value as we would OWN the property. We paid our maintenance fees but rarely used it.

My husband has been diagnosed with cancer and we are just realizing there is no way to get out of this mess. Our children don’t want anything to do with it but they will be saddled with the payments. How can this be? I thought that when we died, that would be the end of it. I am worried about the future and how I will manage the maintenance fees, especially for something we don’t use. I have tried to rent it out at prime time but was unable to do so.

Thank you so much for raising this issue. There has to be a solution out there. How can the law allow you to own something in perpetuity (with no secondary market)??

Sharon H

#16 Liz A

I bought at SVC Carriage Ridge in 2003 when I was close to retirement & able to travel. Now I am 77 years old, single, disabled – cane, walker, wheelchair in airports, on pension.  I know that EXIT is a must in the next 5 years. 

Systematically, unit value has been eroded.  Terms have been changed without consultation or notification. Access to available exchanges has been poorly served by SVC web & RCI & II.  Calling to book always involved up-selling. Stays at resorts often involved “updates” & the agents clearly are trained to focus on SALES & Up-Selling. My experience at Wyndham Panama City reached a new LOW – check-in delayed & parking tag withheld until we agreed to attend when we clearly stated that we would NOT buy anything new.

In addition, Wyndham competes with Owners underselling rental opportunities on the open market because they have marketing access; pockets revenues and bypasses accounting for local revenues & is not held accountable by our Boards.  They avoided “late payment” fees when maintenance fees on the units they hold missed the payment deadline – paid a single $100 late fee when they should have paid $100/unit. The By-law has been changed to % late fee which harms all the other owners.  Their reps at AGM glibly stated that “if there was money to be made they would have maintained the Sales Office.”  

The Ovation (exit) available to other owner groups has been withheld to CR & CH Owners.  They bought back defaulted deeds at the time of the purchase of SVC to increase their holdings from 4% to 10% & assure “control” AND they (in theory) claim “developer” 4x voting power although they claim they do not exercise that option.  How can a secondary owner claim developer: status when all developer units had been sold? It seems they may have been selling points & other locations memberships from our sales centre and closed quickly – No notice to local members. 

* SVC (Shell) abandoned owners at CR & CH to Wyndham’s cavalier attitude & exploitation of OUR resorts.  Yes, they bring management expertise, but they have used their access to line their own pockets; they do not serve local Owner Member interests. 

Our local Boards have taken the position that they only “manage” the resorts on behalf of Member-Owners.  They have done very little to defend Owner interests in relation to the parent companies – SVC & now Wyndham.  Customer/Owner Services is a farce; all the reps are Wyndham employees defending Wyndham interests.

#17 Julie S

Owner, Purchased: July 2004, Mortgage:  $14,931.00 at 13.65% interest is paid in full 

My complaints are numerous.  The inept team at Carriage Hills couldn’t coordinate anything with Shell Vacations Club for years. The last time we used ours was 2010 because it was no longer worth it. We started to sell it back but got vague messages about lawyers’ fees etc., and more invitations to come to sales presentations.  We were warned by others it was another sales pitch.  

We’ve been “upgraded” to Interval but could never book anything. The cost to work through RCI was more than $200 Canadian, making it more costly.  My husband called the office and spoke to someone about the Ovation program – Carriage Hills was not invited to participate.)

The original Purchase was to include a yearly fee of $619 for Annual Basic charge due to the association.  Yearly fees are up close to $2000 with both “membership” and “maintenance”.  

I looked on websites to book our White Week:

Expedia: Dec 7 – Dec 14, 2019 

Studio / no kitchen:  $105 per night / $735 week (1250 points)

One Bedroom w kitchen:  $153 / $1073 (2300 points)

Two-Bedroom w kitchen: $206 / $1443 (3550 points)

If I didn’t have a $15K investment in Carriage Ridge, I could spend only $1443 Canadian for a 2 bedroom instead of just shy of $2000 each year. There are many parts to why this doesn’t work but it boils down to an “investment” that costs us more per year than someone who didn’t invest.  

This was bought with the idea that it could be traded for a vacation anywhere at a great price.  The $619 per year “Membership Fee” was going to allow a trade to the equivalent of a two-bedroom in Hawaii.

We haven’t pursued selling after learning how many want to sell. 

Thanks for listening.

#18 Don A

Hi Irene,

My wife and I own at the Carriage Hills and Carriage Ridge Resorts near Barrie, Ontario for about 20 years. We have enjoyed our ownership and travelled to many destinations but we are now both seniors. I am 74 and my wife is 67.  

When we purchased we were told that these resorts were special in that we would have titled deeds and as such, they could be passed on to our children or could be sold for a profit since they would surely appreciate in value.

Our children have no interest in them.  There was a sales office on-site up until about 3 years ago. Apparently, these units have no value to Wyndham so we are stuck. Most units are being sold for as little as $1.00. Our maintenance fees have increased by about $1,000. Delinquent owners are being sued for unpaid maintenance fees. Many of the aged owners are finding themselves in a real bind with health problems. The last thing they need is to be sued. 

Wyndham had an Ovation program available to owners of the US timeshare properties, but we seem to not be eligible. We are hopeful that you can bring attention to this dilemma, and that a resolution can be found. Thank you so much for taking up the cause to right this wrong. 

Respectfully yours,

Don and Jo-Anne A

#19 Colin and Mimi S

Hello Irene,

My wife Mimi and I have been owners at Carriage Hills for about 15 to 20 years. We have never been satisfied with it because we were given incorrect information when we joined and despite many efforts have never been able to exit.

Over the last 10 years, we have approached and been approached by several companies offering to transfer our units. We have probably lost about $30,000 trying to exit.  Carriage Hills management has been unhelpful, even when we showed letters about the miss-information we were given when we first signed up.

We are retiring next year and the exorbitant maintenance fees are just too much.

Hopefully, this can be of help to you and to us.

Thank you so much,

Colin and Mimi

#20 Cheryl C

Good afternoon,

Thank you for hearing our voices! I am a 20+ year owner. We enjoy, use and can afford our timeshare. Over the years the fees rose way more than we wanted and exchanging got harder.

For the first time ever, I attended an AGM in 2017. WOW! What an eye-opener! I had no idea that Wyndham had so much power and we had so little.  Wyndham closing the sales office rang some alarm bells as well as owners selling (giving) away for free.

As we became more informed about our situation, I became desperate to find a way out for myself, but especially the elderly owners, those who’ve become sick and those who’ve had financial hardships. It was apparent that not only was it near impossible to give these away but that many owners were falling prey to exit teams who essentially stole their money.

Our Board of Directors has very little power as the cards are stacked in Wyndham’s favour. That situation only seems to get worse every AM as they put their 10% concentrated vote on the candidate of their choice while we scatter our votes among candidates.

Last AGM we were proudly told that we regained our Gold Crown Status with RCI and the next representative from SVC said there is “no market for CH/CR and if there was they’d be selling!”

The attached article is about an 80-year-old couple from Wainfleet, ON. It is almost unbelievable, but this is one of many, many sad stories. We are all in a scheme that means if one owner doesn’t pay, we all foot their bill so we have no option but to send owners to collections for something they cannot use or sell while Wyndham’s CEO Michael Brown brags about putting $1 Billion into expansion. If that is not the epitome of corporate greed, I don’t know what is!

We have pleaded for Ovation but are told it is not available. They referred us to Fidelity (which does not take an upfront fee), but they haven’t sold one of our units in years. 

We are desperate and angry and need a solution. 

#21 Laura F

Hi Irene,

There needs to be an exit available as circumstances change. There should be some method to sell or turn back the property. We were not advised of this.

How I can support efforts to address this issue?


#22 Jeanne B

My husband and I bought October 2003 for just over $13,000 at Carriage Ridge. At a meeting, the sales team was excited to tell us that if we bought an opposite year for another $13,000+ we could automatically become Shell Vacation Owners and could change from weeks to points. For ten years it was great even though maintenance fees increased as well as Shell membership yearly fees and exchange fees. We all get older and there comes a time to retire and live on pensions. In the last 15 years, Maintenance Fees have doubled to about $1,200 a year. 

I suffered a Thalamic Stroke over two years ago. I am in constant pain on my right side and my blood pressure has been as high as 195/100. My memory has been greatly affected, from spelling, completing tasks, anxiety, depression, etc. I had to leave work. The only income I have is CPP Disability and my husband is on CPP and OAS.

I contacted Wyndham about Ovation. I was passed from one person to the next. Finally, I was told that our Board of Directors does not allow us to use this program. Our Board of Directors denied it and said that it was Wyndham’s decision. I don’t know who to believe. This year someone was interested in buying my timeshare. The buyer wanted to join Shell Vacation and have points instead of weeks but that is no longer an option.   

I have been communicating for 8 months now with Wyndham Staff at Carriage Ridge as well as our Board of Directors. I told them I really can’t afford to pay the maintenance fee. I was told I would be sued. The fees were $1,325.11 and it was not in my budget. I wasn’t able to pay. I received a letter from Derek Beaudoin, Canadian ICR Ltd, a collection agency. Finally, I saved up enough money to pay it and was hit with an additional fee. I asked if this could be waived this was the reply I received from Derek.

Mrs. Boisvenue,

The resort has received your e-mail (below) and forwarded it to us to respond.  The Home Owners Association will not be waiving any of the remaining balance, $341.26.

Please be aware your arrears continue to accrue interest at $0.28/day.

I wrote again explaining my health and financial situation and this is the email I received from Nanci Shepard, Chairman of our Board of Directors on February 22, 2019,

Hi Jeannie,

After lengthy discussion with my fellow board members, we have unanimously decided to NOT waive your late fees. We are very sorry for your health and personal issues but as you state you have been an owner for 15 years so you are well aware that we put these policies in place for a reason. 

We are responsible to make sure the resort runs to above industry standard and we count on every owner to pay their maintenance fees in a timely manner in order for us to do just that.

There will be no further discussions on this matter and we will wait until Derek advises us you are paid and back in good standing.


I wrote and told them they were heartless.  I have to take my blood pressure daily and my Family Physician asked why it fluctuates so much, as high as 160/80 recently, I told him the financial burden this timeshare is and the nightmare it has become. He has warned me the next stroke might be fatal.

This timeshare is like having a noose around my neck. No one in my family wants it. My adopted son suffers from mental illness and lives on ODSP so he can never afford this.

To sum this up, there is no longer a sales office, our maintenance fees more than double in 15 years, late fees 30% in my case, suing delinquent owners, there is no Ovation program, non-owners pay less, rules change without our knowledge, we pay the Wyndham staff, they make it hard to sell, our kids are being forced to inherit a timeshare, ownership/leadership changed, NOOSE AROUND MY NECK.

#23 Trish M

Good evening

I like many others have been an owner at both Carriage Hills and Ridge for 20 plus years. 

The stories we started to hear about people desperate to get out of their timeshare were heartbreaking – the elderly, the sick, the unemployed. And we as owners were suing them for their maintenance fees through the office.

The rates have soared, we paid a huge investment in the beginning and continue to pay maintenance fees – there just isn’t any value in it anymore. Anyone can book off the street while we pay for the upkeep!!  Those who cannot afford the fees are being sued!! It is atrocious in my opinion. Our children do not want it left to them. What young person could afford it?

Many thanks!

#24 Jeff M

Hi Irene 

My wife and I purchased our timeshare in 2008 at 24 and 23 years old. We were basically sold on the premise that we could “get out of it” at any moment. We are stuck paying over 1000 $ annually for something that has no value. This has been the worst financial decision we have made in our lives.

Thank you,

Jeff M

#25 Wenda M

My husband and I purchased at Carriage Hills Resort in January 2000. We were told that we could sell the units when it became the time that we could no longer utilize it. Now as we age and have developed health issues our travel time has been curtailed. We need a viable exit plan. Our costs of annual maintenance fees and membership fee in 2018-19 amounts to almost $5600. This is not sustainable. No way is our son interested in inheriting our mistake. Our debit is ours not his and he is not on the deed.  

We need an EXIT – not just words but an actual plan. 

Wenda M

#26 Sue R


We own 6 deeds at Carriage Ridge and Carriage Hills Resorts. We purchased our units so that we could travel when retired. We use our points well, able to vacation about 10 weeks a year!  Our maintenance fees for both the Ridge and Hills are approximately 8,000.00 yearly, plus our SVC club fees at approximately 800.00. Now, knowing we may never be able to “get out” makes our stomachs turn! Never, ever, did we think our children could end up carrying our burden! We are not ready to sell but want to know how we can eventually get out of our commitments without having to go bankrupt. 

We would appreciate an acknowledgement that you received our email. Thank you.


Sue R

#27 Tom K

To be provided

#28 Ana N

Good Evening, 

I, too, am a long-time owner (15+ yrs) who was swindled into this so-called investment. We were sold this timeshare that was supposed to be something that could give joy to our family. Instead, it has caused us grief and stress when maintenance fees have doubled. This is not something that we would like our children to inherit and they have made it clear that they don’t want it.  

In addition, it is not something that I can continuously sustain with my husband who was diagnosed with advanced-stage cancer last year and has been in treatment since.

It seems impossible to sell or even give away.  I’ve been looking into selling or disposing of these and reached out to a member of the board who did not even bother responding to me.

We need a solution.  We need an exit plan.  We need help.

Thank you.

Ana N

#29 Jill M

Irene, I am writing to you with regard to my ‘ownership’ at Carriage Hills. I recently purchased resale time – what a horrible mistake! Not only was I completely misinformed by the seller and lawyer, but Wyndham provided zero information or assistance. My greatest concerns are the heavily increasing maintenance fees and the lack of an exit plan. I cannot and will not pass this disaster on to my executors or trustees.

If there is anything that can be done to assist the owners, we need to know now. Ownership falling into default is only going to continue to harm those of us that can’t get rid of our shares.

Thank you for your time,


#30 Rocky P

Hello Irene, my wife and I purchased a timeshare 20 years ago at Carriage Ridge thorough Shell Vacation Club. Over the years we have had great use but over the last few years have not been able to use it for financial reasons. We are both almost 70 with no pensions. We contacted the new owners Wyndham regarding an exit and we’re told of the Ovation program but have since found out that we are not eligible. We are also told that our children will inherit this increasing debt. This just can’t be right we can’t even give it away. We are lost at to what we can do. 

Anthony and MaryAnn P

In America, parents were paying $600 for an Epi-pen, a life-saving device for children who experience acute asthma. Public outcry resulted in a $200 generic version almost overnight. The draconian policy Carriage Resorts has imposed on loyal customers, who faithfully paid maintenance fees for decades, suing seniors experiencing the stress that comes with ageing, is predatory and unfair. Who would not agree with my statement? Let’s hope lawmakers come to this realization.

Thank you to Carriage owners for speaking up and speaking out. Inside Timeshare will do all in our power to keep this out front to support advocacy efforts.

We seek to provide timeshare members with 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.

Free at Last Facebook Straight-A Guide

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Diamond Resort Facebook

Gold Key Facebook

Inside Timeshare Facebook Group

Thank you Irene, once again we witness disgusting practices by sales agents and the timeshare company fails to recognise that they have a severe problem. It is not just the deceptive practices it is also the age of many of these victims, as we have seen in many cases highlighted by our US colleagues as well as with many of the clients of Silverpoint’s “investments and company participation schemes” this can be clearly defined as “Elder Abuse”. If the timeshare companies are unable to change their practices then is it not time that the law is changed to force them to improve and protect consumers, especially the elderly.

If you have a timeshare problem and would like to know what options are open to you, then use our contact page and get in touch, Inside Timeshare will point you in the right direction.

The Tuesday Slot

Welcome to the latest edition of The Tuesday Slot, as we know Irene Parker has received a subpoena to disclose emails and other documents which she lists in the article. This is a blatant attempt by Diamond Resorts to attack a volunteer who works hard to help others resolve their timeshare disputes, as we all know Irene receives no payment whatsoever for the work she does, neither do any of the other volunteers who have stepped forward to take some of the pressure away from Irene. Please support Irene in whatever way you can.

One thing that Inside Timeshare finds very sad with all this is that a company wants to subpoena one of their own customers, especially to silence one that refused to sign a non-disclosure agreement.

The Subpoena Diamond Resorts sent to me, a volunteer

By Irene Parker

August 9, 2019

Instead of Diamond Resorts, and other developers, acknowledging that they may have a few bad apples, the timeshare lobby ARDA, in cooperation with several developers, has raised $50 million to crush timeshare exit companies, legitimate law firms providing timeshare relief services, and my 81-year-old husband and me.

The Orlando Sentinel supporting Diamond Resorts:

HotelBusiness supporting the consumer:

To The Editor:

As a hotel owner and operator, and as an attorney who has represented hotel owners and operators since 1988, I am a regular reader of your publication. At the end of the Mike Flaskey opinion piece, [which appeared in the July 15 issue], you requested comments.

While Mr. Flaskey provides helpful advice for avoiding scams, he and ARDA have chosen to ignore the underlying problem. People wouldn’t become prey for scammers if the companies selling timeshares provided them with a reasonable means of exiting.

There are many reasons people want to sell or otherwise exit; it could be age, changed financial circumstances, changed family circumstances, or simply dissatisfaction with the product that was represented at the time of the high-pressure sales pitch.

(Inside Timeshare article – Six out of eight Legacy Resorts owners have no exit, even for those over the age of 80. A seventh contacted me just before publication, over 80 and disabled, unable to travel.)

For Mr. Flaskey to end his opinion piece with the claim, “When people invest in vacations, they invest in happiness and a lifetime of memories,” is to be disingenuous. If timeshare ownership is as picture-perfect as he portrays it, people wouldn’t be getting scammed; people are getting scammed because of their desperation over the inability to find a means to sell or exit their timeshare. – Bill Bowen

I work over 40 volunteer hours per week providing straight answers to about 35 callers per week. I have never been compensated and I have nothing whatsoever to do with a lawsuit Diamond Resorts filed against a Florida law firm. Diamond attempted to subpoena the documents listed below.

This is evidence of extreme retaliation because I listened and responded to over 700 Diamond Resort members as they reported unfair and deceptive sales practices. In 2016 and 2017, the Arizona Attorney General’s investigators listened to over 900 complaints from Diamond members, according to what an investigator told one of our member-sponsored Diamond Facebook members.  

At last year’s Whistleblower Summit and Film Festival held in Washington D.C., I learned that I am a whistleblower. Most whistleblowers are employees, offered some protection thanks to whistleblower laws. At this year’s Summit, I learned laws protecting whistleblowers often fall short. As an individual, I have no protections, save my readers and supporting members of the legal community.

On Tuesday Charles published my highlights from the 8th Annual Whistleblower Summit & Film Festival held the last week of July. My panel discussed ethics and resiliency after retaliation.

There is no question in my mind Diamond’s intentions are to file a SLAPP lawsuit against me. I am guilty of four of the six points below. According to ACLU Ohio:

A large, well-funded organization may be SLAPPed, but more often, individuals with fewer resources are the victims of SLAPP suits.

Examples of Actions Which Have Resulted in SLAPPs: 2

  • Writing letters to the editor
  • Circulating flyers or petitions
  • Participating in a demonstration
  • Filing complaints with a government agency
  • Commenting at public hearings
  • Filing legal claims or lawsuits

This example of retaliation goes beyond the call of Pro Bono legal representation so I will be launching a GoFundMe as soon as I receive the narrower in scope subpoena. I have already received a multitude of pledges of support.

Subpoena directed to: Irene Parker who is not a party, to produce the items listed at the time and place specified in the attached Subpoena.

DATED this 10th day of July 2019.

Filing # 92298657 E-Filed 07/10/2019 09:16:51 AM

YOU ARE NOTIFIED that after ten (10) days from the date of service of this notice, if service is by facsimile or hand delivery, or fifteen (15) days from the date of service, if service is by mail, and if no objection is received from any party, the undersigned will issue or apply to the Clerk of this Court for issuance of the attached Subpoena directed to: Irene Parker who is not a party, to produce the items listed at the time and place specified in the attached Subpoena.

Brandon T. Crossland, Esq. Fla. Bar No. 0021542 Primary email: [email protected] Secondary email: [email protected] [email protected] Christa C. Turner, Esq. Fla Bar No. 0076627 Primary email: [email protected] Secondary email: [email protected] BAKER & HOSTETLER LLP SunTrust Center, Suite 2300 200 South Orange Avenue Post Office Box 112 (32802) Orlando, Florida 32801 Telephone: 407.649.4000 Telecopier: 407.841.016 8 Attorneys for Plaintiff


I hereby certify that on July 10, 2019, I electronically filed the foregoing document with the Clerk of the Court by using the Florida Courts E-Filing Portal, which will send a Notice of Electronic


1. The term “document” or “documents” refers to any printed, written, taped, recorded, graphic, electronic, computer materials, or other tangible or intangible matter, from whatever source, however produced or reproduced, whether in draft or otherwise, whether sent or received, or neither, which contains information or from which information can be obtained and which is in Your possession, custody or control, including, but not limited to, the original, a copy (if the original is not available), and all non-identical copies (whether different from the original because of notes made on or attached to such copy or otherwise) of any and all writings, correspondence, letters, telegrams, cables, telexes, facsimiles, emails, text messages, contracts, proposals, agreements, minutes, acknowledgments, notes, memoranda, analyses, projections, work papers, books, forecasts or appraisals, papers, records, reports, diaries, statements, questionnaires, schedules, computer programs or data, books of account, calendars, graphs, charts, transcripts, tapes, or recordings, photographs, pictures or film, ledgers, registers, work sheets, summaries, digests, financial statements, pictures, videos, audio recordings, and all other information where data, records or compilations can be obtained, including all underlying, supporting or preparatory material now in Your possession, custody or control. The term “document” or “documents” specifically includes documents kept by individuals in their desks, at home or elsewhere.

2. The term “computer materials” shall mean any and all files from any personal computer, notebook or laptop computer, file server, minicomputer, main-frame computer, or other storage device, including, but not limited to, hard drive disk drives or backup or retrieved electronic information, including, but not limited to email. All relevant files that are still on the storage media, but are identified as “erased but recoverable,” are to be included.

3. The term “copy” when used in reference to a document means any color, or black or white facsimile reproduction of a document, regardless of whether the facsimile reproduction is made by means of carbon papers, pressure-sensitive paper, xerography or other means or process.

4. The term “communication” or “communicate” means any writing, or oral conversation, including, but not limited to, telephone conversations and meetings, letters, emails, text messages, emails, telegraphic and telex communications, and includes all information

relating to all oral communications and “documents” ( as hereinabove defined), whether or not any such document, or the information contained therein, was transmitted by its author to any

other person.

5. The term “person” means any natural person, any employer, any business entity (whether a corporation, partnership, or other business association), any government or political

subdivision thereof, or governmental body, commission board, agency, bureau or department.

6. “Lawsuit” means the lawsuit filed by DRC against Finn Law Group, P.C., Finn Law Group, P.A., and Michael Finn in the Circuit Court in and for Orange County, Florida and

bearing Case No. 2017-CA-006199-O.

7. “You”, “Your”, and “Parker” means Irene Parker and your agents, representatives, directors, officers, members, employees, attorneys, accountants, predecessors, successors, assignors or assignees, and anyone else acting on its behalf or subject to your control.

8. “DRC” means Diamond Resorts Corporation and its agents, representatives, directors, officers, members, employees, attorneys, accountants, predecessors, successors, assignors or assignees, and anyone else acting on its behalf or subject to its control.

49. “Finn” means Finn Law Group, P.C., Finn Law Group, P.A., and Michael Finn and their agents, representatives, directors, officers, members, employees, attorneys, accountants, predecessors, successors, assignors or assignees, and anyone else acting on their behalf or subject to his control.

10. “Diamond Customers” means any individual(s) and/or entity that purchased, owns and/or holds a Vacation Ownership Timeshare Interest with Diamond Resorts Corporation, or

one of its separately named and operated affiliates, parents, or subsidiaries.

11. To the extent that You consider any of the following requests objectionable, respond to so much of each Request and part thereof, as is not objectionable in Your view and separately state that part of each Request as to which you raise objection and each ground for

such objection.

12. If You object to the identification of any document on the basis of attorney/client or work product privilege, identify the privilege claimed as well as each document for which such privilege is claimed, together with the following information with respect to each such document: a. Date; b. Sender; c. Addressee; d. Subject;

e. The basis on which the privilege is claimed; and f. The names of persons to who copies of any part of the document were furnished, together with an identification of their employer and their job titles.

13. You shall produce the documents requested herein as they are kept in the usual course of business or You shall organize and label them to correspond with the categories in the request.


1. Produce any and all contracts, agreements or any other arrangements between you and Finn.

2. Produce any and all contracts, agreements or any other arrangements between you and Finn regarding Diamond Customers.

3. Produce any and all engagement agreements between you and Finn wherein Finn agrees to provide you with legal services.

4. Produce any and all invoices, bills, or other requests for payment from Finn to you since January 1, 2015.

5. Produce any and all documents, checks, or bank statements evidencing any payment from you to Finn since January 1, 2015.

6. Produce any and all documents, checks, or bank statements evidencing any payment from Finn to you, whether direct or indirect, since January 1, 2015.

7. Produce any and all communications and emails between you and Finn regarding Diamond Customers from January 1, 2015, through December 31, 2018.

8. Produce any and all communications and emails between you and Finn regarding Finn’s solicitation of, a referral to Finn by you, or Finn’s potential representation of Diamond Customers from January 1, 2015, through December 31, 2018.

9. Produce any and all communications and emails between you and any Diamond Customers from January 1, 2015, through December 31, 2018.

10. Produce a list of Diamond Customers that were referred by you to Finn from January 1, 2015 through December 31, 2018.

11. Excluding communications where you were requesting that Finn provide you with legal advice regarding articles, blogs, or social media posts that you have written, produce any and all communications and emails between you and Finn that relate to DRC, timeshare, or timeshare owners from March 1, 2015, to December 31, 2018.

12. Produce any and all communications and emails between you and Finn regarding the Lawsuit.

13. Produce all blogs, articles, editorials, commentaries, exposes, FaceBook posts, or other social media content written, in full or in part, by you from January 1, 2015, through the date of the Subpoena.

14. Produce any and all communications and emails between you and Inside Timeshare regarding Diamond Customers from March 1, 2015, through December 31, 2018.

15. Produce any and all communications between you and Greg Christ regarding DRC, timeshare, or timeshare owners from March 1, 2015, through December 31, 2018.


Page 7

Our Diamond Member-Sponsored Facebook has over 3,400 members.

We seek to provide Diamond Resort members with 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.

What the Diamond Resort Owners Advocacy Facebook is not: 

If members join our Facebook only to express displeasure, they are better served by posting on Trip Advisor. While venting may make a person feel better, ranting on a complaint site will do nothing to change what we feel are unfair and deceptive business practices, as defined by the FTC and the FBI.

Timeshare Accountability Group™

Timeshare Advocacy Group™ was launched by a small group of advocates concerned about the volume of timeshare complaints found on the internet directed against Wyndham, Bluegreen, Diamond Resorts, Westgate, Vacation Village and a few others. Disney Vacation Club has almost no complaints. Hilton and Marriott have few complaints.  

We hope the lessons learned by consumers who purchased a timeshare product they did not understand will reach the general public so prospective timeshare buyers know what questions to ask before buying or upgrading a timeshare.

We hope the lessons learned by consumers who purchased a timeshare product they did not understand will reach the general public so prospective timeshare buyers know what questions to ask before buying or upgrading a timeshare.

TAG has also received Sell My Timeshare Now complaints. It has been widely reported Diamond points have no resale value, yet SMTN charges already financially distressed members $1499 to $1699 for ads to list points.

We don’t mind if industry insiders or Diamond employees join our Facebook as long as they are respectful. In fact, we encourage this hoping they will confront the serious problems we have uncovered.

Other Member-Sponsored Facebook pages and resources

Free at Last Facebook Straight-A Guide

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Diamond Resort Facebook

Gold Key Facebook

Inside Timeshare Facebook Group

Thank you Irene, I am sure that once you launch the GoFundMe campaign many of our readers will be donating. What Inside Timeshare will say is this, Irene has worked tirelessly giving up her free time for this cause, please show your support and make a pledge now. Use our contact page and show your support.

The Tuesday Slot

Welcome to this edition of The Tuesday Slot, this week Irene Parker reports on the Annual Whistleblowers Summit held in Washington DC last week. Irene, as we all know, has been working tirelessly on behalf of many owners who have contacted Inside Timeshare for help. Irene does this work free of any charge and has never received any payment for the advice or help she has given. Inside Timeshare has been working with Irene for around 4 years now publishing the many articles she has submitted, no payment has ever been made in regards to this. Inside Timeshare publishes articles from many contributors who just want to get their story and views to others, no one has ever been paid to submit an article that we publish.

Highlights from the 8th Annual Whistleblower Summit

Resiliency after Retaliation

Why the Need for a $200,000 GoFundMe  

From left: Ethics and Resiliency panel members Richard Hill, MD, Maureen Elias, Vietnam Veterans of America, Jackie Garrick, Whistleblowers of America, and me  

By Irene Parker

August 6, 2019

The 8th Annual Whistleblower Summit & Film Festival was held last week in Washington D.C. Our panel pictured above was well attended. We discussed resiliency after retaliation as a quality necessary for those who discover and report fraud, waste or abuse.

Prominent whistleblowers like Sharron Watkins and Eugene Ross spoke at our luncheon. Ms. Watkins exposed Enron, and Eugene Ross exposed fraud at Bear Stearns. “Every fraud victim’s best friend is a whistleblower,” stated Mr. Ross. Despite the efforts of Mr. Ross that resulted in the recovery of millions of dollars for investors, he was forced to declare bankruptcy. Mr. Ross was critical of mandatory arbitration and industry self-regulation. My peers are critical of the timeshare industry’s self-regulation and forced arbitration.  

Other Summit Highlights

July 30 is “National Whistleblower Appreciation Day”

Michael McCray is a federal whistleblower who disclosed over $40 Million in waste, fraud and abuse at the U.S. Department of Agriculture:

“A whistleblower often doesn’t know they are a whistleblower until they are in the middle of their whistleblowing.” 

Consumers don’t wake up in a morning and think they will buy a timeshare today. Whistleblowers don’t initiate their efforts thinking they will be a whistleblower. They see wrong and make a vow to make it right. By the time the whistleblower is made aware that they are a whistleblower, they have reached their point of no return.

Others spoke of how a whistleblower cannot live in peace if they see wrong and don’t try to right it. “They will be haunted the rest of their life. It will be like a cancer in their soul,” said Tim Mak, NPR national security and politics reporter.  

Timeshare fraud is orchestrated and sophisticated. Honest sales agents and managers are as alarmed as the more than 900 timeshare members who have reached out to Inside Timeshare and to me to report unfair and deceptive sales practices. About half of the members report that they had been scammed by a fraudulent exit company.  

My resiliency and motivation comes from their voices turned empowered.  I am motivated by 119 veterans and active duty service members who sacrificed their health and life to protect even those who seek to do them harm, especially two-time Purple Heart recipient Leo Gomez. Leo spent the last 30 days of his life battling pancreatic cancer and his timeshare company. His last words to me were, “I want my story told.”

The first family to reach out to me in 2016 was a Hispanic family. They attended a Diamond Resorts timeshare presentation because they were struggling to make loan and maintenance fee payments. They said they were told of a maintenance fee relief program, but no such program existed. Fortunately, they did not buy additional points.

I contacted Diamond’s attorney on their behalf. He arranged a relinquishment, but the family is probably still paying off a $33,000 home equity loan. I liked this attorney. He worked with me to resolve my dispute. I was offered our money back but refused to sign a non-disclosure agreement. I had been writing articles as a contributor for TheStreet, Jim Cramer of Mad Money’s investment news service. I could not sign because I wrote articles about several timeshare companies.   

Since Inside Timeshare published my first article about a timeshare family in distress, October of 2016, the complaints about maintenance fee relief programs have not stopped. Expecting retaliation, I prepared a 180-page report of 101 just Platinum Diamond members who have complained about maintenance fee relief programs they learned did not exist. Platinum maintenance fees in 2018 were $8,631 for 50,000 points. Points can only be turned in to pay maintenance fees at $.04 per point, contributing only $2,000 towards the 2018 $8,631 maintenance fee.  

Back then maybe one or two families a week would reach out to me. Now three to five calls or contacts a day are not unusual.  A team of volunteers lends their support by answering questions that arise when filing regulatory and law enforcement complaints. My resiliency and strength also comes from our volunteers and members digging in to fight. All are whistleblowers.    

Whistleblower Summit panel member Dr. Matthew Fogg

In 1998, Dr. Matthew Fogg, Chief Inspector U.S. Marshal, retired, won a landmark $4-million jury award, promotion to Chief Deputy US Marshal, and a finding that the US Marshals Service nationwide was operating a racially hostile environment for all African American Deputy US Marshals.

“After my training, at the duty station, I was told ‘Forget what you learned. This is how we do things.”

We have heard this from timeshare sales agents and managers also alarmed over deceptive practices that are endorsed and encouraged.

Why the need for a $200,000 GoFundMe

Diamond Resorts demanded so many documents from me, it would be humanly impossible for one individual, working from the corner of her living room, to produce. Diamond has not sued me. They sued a law firm in 2015 over a matter I had nothing to do with. Diamond’s demands include emails from their customers who have reached out to me through our member-sponsored Facebook page and Inside Timeshare.

I have repeatedly asked attorney after attorney if I am doing something wrong by listening to member complaints in an effort to gather data documenting multiple complaints made against the same agents. They have assured me I am doing nothing wrong. It appears a judge or jury will ultimately decide. On Friday Charles will publish the list of Diamond’s demand. This demand for documents follows a six-hour deposition, pertaining to the same lawsuit.  

Like others on our 3,400 Diamond member-sponsored Facebook, I referred to this law firm when a member requested an attorney, or I was asked a legal question I am not qualified to answer. Our Facebook Files now provides a list of six law firms we respect.

Four attorneys have been assisting me without charge. It’s time for them to be paid. They filed a motion on my behalf that narrowed the scope of Diamond’s demands, but the task I expect will still be formidable and beyond the call of pro bono. I have retained my neighbour who worked as a former legal assistant to help me with the task. 

A portion of my $200,000 GoFundMe will be earmarked for a purpose suggested by a person of influence I met in Washington D.C. this past week. This person was referred to me by another person of influence whose family has been harmed because of points they say they purchased for a reason that does not exist.  

I will not launch the $200,000 GoFundMe me until I receive the narrower in scope subpoena. In the meantime, I seek pledges of support. Groundwork is being laid for our strategic and tactical plan following the advice of our person of influence. I am not at liberty to publish details but contact Inside Timeshare if you would like to learn more.

Some causes require a sacrificial lamb.

I doubt there are many that know Mark Twain considered his book Personal Reflections of Joan of Arc his finest work. He spent twelve years researching this child of a French peasant family:

I like Joan of Arc best of all my books, and it is the best; I know it perfectly well. And besides, it furnished me seven times the pleasure afforded me by any of the others; twelve years of preparation, and two years of writing. The others needed no preparation and got none.

— Mark Twain

Personal Reflections of Joan of Arc should be required reading for any peasant attempting to hold the powerful accountable. I’m no virgin and I’m no saint, but like Joan, I may be burned at stakes for my efforts. Had Joan been told of this likely conclusion to her advocacy efforts, I’m confident Joan, like me, would have replied, “D’accord.”

Whistleblowers at the Summit convinced me this comes with the territory.  

We seek to provide Diamond members with 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.

Diamond Resort Facebook

Gold Key Facebook

Free at Last Facebook

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Inside Timeshare Facebook Group

Thank you, Irene, it is obvious from your report that you have made some significant contacts while at the summit and one thing is very certain, everyone must work together if we are going to see any change.

On the point of the GoFundMe campaign which Irene will shortly launch, please use our facebook pages or the Inside Timeshare contact page to pledge your support. Irene has helped so many it is now time for her to receive our support. Thank you all.

Friday’s Letter from America

Welcome to another edition of our regular Letter from America, today we welcome another contribution from our very own Secret Shopper Coordinator Pete Gibbes. In his article, he explores and gives his insights into Apollo Global Management and the buyout of Diamond Resorts in 2016. Inside Timeshare ran a series of articles on this subject at the time but Pete has a better understanding of this and explains it in a very simple and easy manner.

A Tiger can Change his Diet – from Junk Bonds to Timeshares

A junk bond has some value, but Diamond points have no resale value 

New York-based Apollo was founded by veterans of junk-bond pioneer Drexel Burnham Lambert. The firm is known for its willingness to make aggressive, sometimes contrarian, bets. April 20, 2018

By a Pete Gibbes, MBA, CFA

August 2, 2019

Over a year ago, I filed a complaint against a Diamond Resort sales agent. Buying Diamond points has caused our family considerable anguish. We have lost about $60,000 we can’t afford to lose. The public must be made aware that anything a timeshare sales agent says must be verified to be believed.

I have 20 years’ experience in the investment industry. I worked as a portfolio manager for a firm that caters to high net worth individuals, foundations, endowments and retirement plans. The firm I worked for currently has $2.9 billion under management. I have an MBA, a CFP (inactive) and a CFA (Chartered Financial Analyst).

Thinking about how timeshare has evolved from a hard asset to ethereal points, I wondered why Apollo Global Management, the third-largest equity firm, would be so interested in timeshare. Venture capital is typically associated with fast-growing companies and start-ups, like high tech or biotechnology, rather than a mature industry like timeshare. Apollo acquired Diamond in 2016.

One need not look for the answer any further than Wikipedia. History provides the answer. Apollo’s predecessor company was Drexel Burnham Lambert. DBL filed for bankruptcy in the 80s after incurring a $650 million fine over a junk bond scandal that sent Michael Milken to jail for securities fraud. Apollo probably isn’t allowed to deal in junk bonds anymore.

Apollo simply reinvented their lending by switching to timeshare. Timeshares provide an even better return (to private equity and stock investors) due to the fact Diamond points are worth nothing on resale. A junk bond is a lower-rated bond, and, like a sub-prime mortgage, has some value. When Diamond takes points back, the turnaround to resell is quick since foreclosure is non-judicial. It takes less time to foreclose on points than it would on a hard asset like a house or a fixed week timeshare that is defined as real estate. Diamond points are not deeded.

After taking Diamond private in 2016, an Initial Public Offering was planned for 2018. For some reason, the IPO did not materialize. The IPO was expected to generate over a billion dollars of profit for Apollo.

From the Wall Street Journal:

By Maureen Farrell (from the article linked above)

Updated April 20, 2018 10:11 a.m. ET

Private-equity firm Apollo Global Management APO -0.58% LLC is preparing to take Diamond Resorts public in the coming months, according to people familiar with the process.

The timeshare resort company has filed confidentially with the Securities and Exchange Commission and is expected to start trading in June or July (2018), these people said. Apollo could seek a valuation for Diamond Resorts of around $4 billion and aim to raise in excess of $500 million in the offering, though price expectations are moving around, according to people familiar with the process.

If Apollo moves forward with a listing this summer, it would come less than two years after the firm closed its $2.2 billion purchase of Diamond Resorts in September 2016. That would mark the latest quick move by Apollo to put one of its recently purchased companies back into public markets.

Our oral representations:

The only proof we have is the “S3” and “G2” our Virginia sales agent noted on the illustration below. We owned 11,500 Diamond points prior to our downfall. Mark said that if we became ‘Silver’ Loyalty members at 15,000 points, we would have the OPTION to SELL 15,000 points back to Diamond after three years (December 2019) for an estimated $108,000. If we increased our points up to ‘Gold’ loyalty level, we would be able to exercise this type of option after two years. Mark wrote $108,000 on a separate piece of paper.

Diamond’s Clarity™ Promise

While other companies make promises, we deliver. This is Diamond RESPECT:


  • We will provide clear, concise and consistent information at our presentations so you can easily decide whether committing to vacation ownership is the right decision for you and your family.

I was sceptical when Mark presented this because I had not heard of a buy-back program. I asked Mark, “How in the world can Diamond offer to buy back our points for more than the total amount of all shares purchased? “Oh, it’s because Diamond makes a lot of profit on points sold to you, as well as maintenance fees over the years. Plus, they can recycle the points,” Mark explained. This made sense. Mark explained the program in astonishing detail.  

While we are stuck, both disabled, with points we bought to make a small profit, Apollo will rake in over $1 billion if the IPO comes to fruition.

In summary

A timeshare sales agent can earn over $2 million a year selling timeshare points that have no value on the secondary market. If deceived, a timeshare company can dismiss oral misrepresentations with “You signed a contract” or “We are not responsible for what sales agents say.” Some state regulators second the dismissal. This equates to no regulation. The buyer is stuck with a perpetual contract and no secondary market. A viable secondary market is mentioned as a risk to stock investors.  

What can we do? Continue to reach out to lawmakers, the media, regulators, hoping someone, someday, will shed light on the unfairness of the oral representation clause. 

Join our efforts to promote our clear, concise message.

A buyer cannot rely on a word a timeshare sales agent says

Without recording the sales presentation, you have no proof. This assures sales agents that they can continue without reprisal. 

Our Diamond self-advocacy Facebook, launched by an economics professor, has over 3,300 members.

We seek to provide timeshare members with 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.

Free at Last Facebook

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Gold Key Facebook

Inside Timeshare Facebook

Related article:

“On June 26, 2016, the Diamond Resorts board voted in favor of the company’s sale to Apollo. But Cloobeck abstained from that vote. In not one, but two board meetings, Cloobeck said that he was abstaining because mismanagement of Diamond Resorts had negatively affected the sale price and it was therefore not the right time to sell the company.

Diamond failed to inform the stockholders of the reason for Cloobeck’s abstention:

Highlight the link above right click and select go to.

Thank you Pete for all your hard work on behalf of all our US readers including the coordinating of the Secret Shopper program.

If you would like any information on becoming a Secret Shopper contact Inside Timeshare using our contact page and we will pas it on to Pete. This is a very important program as it helps to spread the word and warn others of what to be aware of and how to avoid the pitfalls of “UPDATE MEETING”.

Have a great weekend and join us again next week. 

Anfi Hits Spanish Television News

Following Monday’s article about Anfi Sales and Anfi Resorts hiding assets in an attempt to avoid paying back money awarded to clients in the Spanish courts for the selling of illegal contracts, they are back in the news. This time it is on Spanish national television TVE 1.

They report what we already have published and what was published in El Diario, Inside Timeshare has a recording of the news item to which has been added subtitles it has also been uploaded to Youtube.

The lawyer who is dealing with this case on behalf of Canarian Legal Alliance clients, Eva Gutiérrez is being interviewed outside one of the CLA offices in Arguineguin, with the Anfi Resort in the background. In the interview, Eva explains the reason behind the emptying of bank accounts giving the reporter all the figures. She is also seen working on documents showing the various bank accounts.

Eva Gutiérrez

It is actually quite staggering the amounts which are in the millions of euros that are being diverted from these accounts to avoid court-ordered repayments. It is no wonder that the Provincial Prosecutor’s Office has been taking a very keen interest in this matter.

During the interview, Eva Gutiérrez also explains that CLA and their clients are urging the courts to appoint an independent administrator to oversee the accounts and the investigation. This blatant attempt we are seeing by the Anfi Group, who are also paying members of the RDO (Resorts Development Organisation) the timeshare industry trade body and governed by their code of conduct and ethics, is in the mind of Inside Timeshare possibly a criminal act.

As yet we have not seen any statement from the RDO regarding this and we very much doubt that they will even sanction them over this. So much for the trade body and their code of conduct and ethics.

This story should place no one in any doubt as to the lengths timeshare companies will go to deceive consumers, it should also remove any doubt as to the authenticity of Canarian Legal Alliance which has over the years been smeared by the timeshare industry as a criminal gang and swindlers!

Inside Timeshare knows who the real swindlers and criminals are and now so do you!

Link to the original article by El Diario with English translation in PDF format.

If you own a timeshare at Anfi or any other resort and want to know what your legal options are, then use our contact page and we will point you in the right direction.

Friday’s Letter from America

Welcome to another edition of our Letter from America, this week Irene Parker writes about the upcoming Whistleblowers Summit & Film Festival. The term Whistleblower refers to someone who is making public information which they feel morally and ethically to be the right thing to do. It may be highlighting abuses of power by government, unfair working conditions by companies or even abuse of the elderly by care home providers. Whistleblowers are needed and should be thanked for what they do for the general good and not for profit.

The 8th Annual Whistleblower Summit & Film Festival

Washington D.C., July 29 – August 1

By Irene Parker

July 26, 2019

The 8th Annual Whistleblower Summit will be held July 29 through August 1 in Washington D.C. Attending the Summit last year was an eye-opener. I heard from like minds, unafraid to speak truth to power and hold the powerful accountable. This year I am honoured and grateful for the opportunity to participate as a panel participant in a Summit discussion called:

The Resilient Advocate – Elements Ethics and End Results

Panel members will discuss how resiliency skills helped them cope with stressful situations. Concepts surrounding resilience include mindfulness, meditation, gratitude and forgiveness of self and others.

I am listed as Irene Parker, Court Appointed Special Advocate (CASA)

I am not at present, an active CASA, but once a CASA, always a CASA at heart. I first became involved with CASA in Bowling Green, Kentucky in 2009 as a CASA volunteer. Later, I served as a paid CASA supervisor until 2012.

A CASA is a voice for a child in state care, a voice for the voiceless. A CASA’s duties include interviewing the child, the child’s biological parents, foster parents, and others involved in the child’s life. The CASA may not agree with the wishes of the child but assures the child that the court will hear what outcome the child wishes. As supervisor of 27 CASA volunteers, I edited volunteer court reports and wrote court reports for cases unassigned.  

In Florida where I live now, the program is called Guardian Ad Litum.

Skills learned at CASA provided me with the foundation to assist victims of timeshare fraud – timeshare members who wish to voice their concern about unfair and deceptive timeshare sales practices.

As in the case of any family in crisis, explanations are usually confusing and convoluted. I liken it to a witness describing what happened after a serious auto accident. When contacted by a timeshare member, I frequently ask, “What do you mean by that?” or “Can you provide an example?”

I have heard from over 900 families reporting unfair and deceptive timeshare sales practices, including 116 veterans and active duty service members. An active duty service member can lose his or her security clearances, and their career, over a timeshare foreclosure. More than a few families have been financially devastated, including a Navy veteran and retired postal worker forced to seek bankruptcy protection after being up-sold to $2,700 a month in timeshare loan payments. 

The Resilient Advocate – Elements Ethics and End Results

The panel discussion will be led by the founder of Whistleblowers of America, Jacqueline Garrick, and a Department of Justice Whistleblower.

A Navy veteran introduced me to Jackie after the veteran successfully resolved their timeshare dispute following our principles of self-advocacy. An obvious “bait and switch” left the veteran encumbered with a large loan. The purchase was presented as a way to reduce annual maintenance fees, but the opposite occurred. Knowing the veteran, and having received other complaints against the same sales agent, it was not difficult to know who to believe.  

Panel Discussion     

Resilience is the state of mind, body and spirit that allows a person to overcome adversity and experience growth. Therefore, the resiliency skills needed to overcome whistleblower retaliation.

  • There is no denying that whistleblowers face societal stigmas and negative responses for their disclosures
  •  These negative connotations have a psychological impact on ethical people who faced difficult decisions and took the high road to do the right thing
  • Most whistleblowers face years and years of retaliation, harassment and discrimination
  • They are at constant risk of losing financial stability, social status, and family security. Their physical and emotional health is impacted as a result.

Other panel participants include:

Maureen Elias, Deputy Director, Veterans Health Council of Vietnam Veterans

Richard Hill, MD, Retired Primary Care Physician

Ms. Heidi Weber, Associate Producer, Whistleblower on CBS

“Toxic Tactics” of Retaliation that have affected my family:

a.      Gaslighting – challenging the memories or ethics of the whistleblower –  making you question yourself

b.     Mobbing – getting others to conspire against or spy on the whistleblower

c.      Accusing – refocus on the whistleblower as the wrongdoer

d.     Harassment and (in my case a threat of) violence

e.      Emotional abuse, humiliation

f.       Legal and financial challenges 

What advice would I give to others thinking about blowing the whistle?

·        Understand the Pandora’s Box you are opening and the long-term implications to your family when opened

·        Recruit a team to aid in your efforts to ensure your efforts will continue if stifled or delayed due to the above mentioned retaliatory tactics

·         Recognize the extent of loss your family may experience as the result of “poking the bear” in an effort to right wrongs

While the timeshare lobby and political action committee ARDA and ARDA ROC recommends timeshare members contact their state Attorney General in regard to companies that provide exit services, I have suffered retaliation for encouraging timeshare buyers to contact an Attorney General if they feel they experienced unfair and deceptive timeshare practices. Timeshare sales agents are emboldened by the oral representation clause timeshare attorney Mike Finn described as “a license to lie” in a 2016 New York Times article written by Pulitzer winner Gretchen Morgenson.

The Timeshare Developer and Lobbyists Pot Calling the Kettle Black – There are unfair and deceptive practices on both ends of the timeshare transaction.

The rash of complaints and legal proceedings prompted the American Resort Development Association (ARDA) to issue a warning to consumers about these (exit) companies, encouraging owners who believe they have been unfairly taken advantage of or defrauded to contact their state Attorney General, local law enforcement or ARDA directly.

At least 200 complaints from timeshare members in our advocacy group have forwarded their complaint to ARDA and ARDA ROC. To my knowledge, all complaints have been ignored. The Board of Directors of ARDA ROC (Resort Owners Coalition) is staffed with timeshare executives.


The link below is a timeshare report warning consumers to beware of unfair and deceptive trade practices prepared by the St. Louis BBB, with input from the Missouri Attorney General’s office.


  • Tougher law enforcement action. Regulatory agencies have reported receiving an increasing number of complaints about the timeshare industry. Bringing action against any bad actors in the industry could help consumers and deter companies from violating consumer protection laws.
  • New laws. BBB hears from many senior citizens who have been affected by the timeshare industry. Missouri legislators should consider special protections for those 65 and older who enter into agreements with timeshare and travel club companies. An extended right of rescission period could help seniors who may not totally understand what they have purchased. All consumers should receive pertinent information – such as access to websites and passwords – at point of purchase so that they can check potential savings and actual values of timeshares on resale market so that if they decide to cancel, they can take advantage of the rescission period.

For more information about this study, to obtain a Business Profile or register a complaint, contact BBB.

Research and report on scams and fraud using BBB Scam Tracker.

If you’re in the area, even if not a whistleblower, you will experience one of the most enlightening and inspiring events of your lifetime if you can attend. I’m hoping our Supporters or our timeshare members in distress will consider attending.  

We seek to provide timeshare members with 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.

Free at Last Facebook

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Diamond Resort Facebook

Gold Key Facebook

Inside Timeshare Facebook Group

Thank you Irene we hope that you have a very informative time at the summit and we look forward to receiving your report on the proceedings.

Well that is it for this weekFriday is once again here and the weekend calls, have a great weekend and join us again next week.

The Tuesday Slot

Welcome to The Tuesday Slot with another look at some of the many complaints received by Inside Timeshare, this review has been written by Patty Boyak who as we all know has been staging many protests outside some of the resorts. One thing that will strike you the reader is the similarity in the complaints from people who have never met, yet we always hear the same thing “We are not responsible for what our sales agents say”!

Why we need Secret Timeshare Shoppers – Especially in Vegas

Timeshare Buyers Need to Record Las Vegas Timeshare Presentations

Seven Timeshare Complaints against the same sales agent  

 “The long term strategy is, if there are (exit) companies out there that really are legitimate, which we haven’t seen yet,” Flaskey said, “then they need to be regulated the same way our (timeshare) industry is regulated.”

                                                             Michael Flaskey, Diamond Resorts CEO

In Nevada, hundreds of timeshare complaints have been dismissed with:

“You Signed a Contract.”

This is regulation?

July 23, 2019

By Patty Boyak, Diamond Platinum Complaint #28 out of 101 

Branden and Patty Boyak 

#2 of 7 Complaints

Jean Paul H, Principal Broker Nevada

This is our complaint sent to the Nevada Real Estate Division July 7, 2019.

A recording of Alaa C defrauding a 28 year old disabled veteran was provided to NRED over a year ago.

Sent To Hospitality, Michael Flaskey, CEO

Our purchases:  

  1. 19 December 2017  – Palm Canyon Resort, Palm Springs, CA
  2.  6 May 2018  – Cancun Resort, Las Vegas, NV Purchase price for 15,000 points:  $55,000 Down payment: $11,075 on a Barclay card Amount Financed: $151,079.65

Trevor W had previously sold us points in Palm Springs promising a maintenance fee relief program if we bought “member” instead of “owner” points. There is no such thing as “member” vs “owner” points.   

Several Diamond members were pitched this:

When we next met with Alaa C we were unaware that we had been deceived by Trevor because we had not attempted to sell points back at $.30 per point. We missed the window period Trevor explained – that we had to turn in points by November 30 and had to have 20% of our loan paid to be eligible for the maintenance fee buyback program. In no way would we have 20% of the loan paid in such a short time. The delay avoided the rescission period.  

On 06 May 2018, we went to Las Vegas Cancun Resort where we met Alaa C. C introduced himself as a Platinum Counselor.  Alaa said that as Platinum members we should be using our points at $0.20 each to pay maintenance fees and said there were NO restrictions on the amount of points we could redeem. We brought up that Trevor Wood in California had told us about the $.30 per point to pay maintenance fees, so why was this $.20 a point? C said it’s not $.30. 

Using his phone, he showed us rebate checks we could receive at $0.20 per point.  There were several checks in a row on his screenshot on his phone. We didn’t see the exact amounts, but we had asked about the legitimate rebate program because we were already aware of Diamond’s Travel Reimbursement program. This was not the reimbursement program we knew, C assured us.

C gave us his phone number and said he would be our Platinum counselor. We attempted to call him multiple times. He only called the day after we purchased to ask about incentives we had attended. He never returned calls after that.

C said that by purchasing 15,000 additional points, we would be able to redeem points at $0.20 per point.  C said we would have enough points to pay all our maintenance fees with 50,000 points and still have points to travel. The first time we attempted to use the point redemption program, we were told by Platinum customer service no such program existed.  

Reviewing our files, Alaa informed us that none of our previous contracts had been wrapped and that wrapping them into a single contract would stabilize maintenance fees. C told us the only way to wrap the contracts was by purchasing an additional 15,000 points and if we did, the maintenance fee increase would only go up by 4%, whereas if we had six contracts, the maintenance fees would be much higher, in the 10 to 12% range. This turned out to not be true. It would be highly unlikely for maintenance fees to go up by 10 to 12% just because there were six contracts instead of one. Fees have not decreased. In fact, we incurred an additional $2600 in maintenance after purchasing the additional points.

Patty and Brandon Boyak and another Platinum couple protesting in Las Vegas.  It would be unusual for educated professionals to go to this much trouble over buyer’s remorse.

It is common for Platinum members to have made several prior purchases. Trust ensues. If the member refuses to pay for a recent purchase, they risk walking away from all points purchased; the money spent exceeding $200,000 or more. A 180-page report summarizes 101 Platinum up-sells. The similarities are glaring.   

Alaa C complaint #1 is a 90% disabled Army veteran. He recorded the second hour of a five-hour sales presentation because C refused for an hour to return their credit card and driver’s licenses. Alaa told them that because they did not get “the letter” from Apollo they were not grandfathered in so would have to buy additional points or pay $250,000 in maintenance fees over 10 years. Member complaints frequently begin, “They said we should have received a letter.”

Alaa C complaint #3 A Y, age 79 Platinum complaint #72 out of 101

Mrs. Y’s first language is Cantonese. Her husband, age 80, is diagnosed Alzheimer’s. Typically, Diamond points sell for $4 per point. Buyers are shown a price listing points at $9 and a warning the price will appreciate in the subsequent year. Buyers are not told Diamond points are worthless on the secondary market. Mrs. Y did not know the total amount they spent to buy 80,000 points, but at $4 per points an estimated price would be around $360,000.  Platinum 52,000 points

October 10, 2018, Nevada

In 2018 October we attended a meeting in Las Vegas and met with sales agent Alaa C. We agreed to buy 100,000 points more but ended up buying 90,000 additional points. Alaa C said that if we purchased these points, we could use 50,000 to pay maintenance fees by redeeming points and still have 50,000 to travel. We turned it down. The manager Maher F said we don’t need 100,000 points, maybe 80,000 points.

They said we could trade in points for $15,000 every year. They said you turn in January and it would take 30 days to process. Both Alaa C and Maher F told us this. They said only Diamond has this program.

Alaa C Complaint #4  

An attorney contacted us and asked if we knew of Alaa  C as he has received a complaint against him. 

Alaa C #5 B W, age 57, Platinum complaint #86 out of 101

May 23, 2019

The maintenance fees after 2014 escalated. In California, they kept saying they were going to go public. They told me our kids would have to inherit the points unless I bought additional points. They said, “Your kids won’t be able to have a choice whether to keep it or not if you don’t buy additional points.”

I met with Alaa C June of 2018. He told me everything that happened in CA wasn’t true. In order to give me what I was already supposed to have, I was told I needed to buy 25,000 additional points. I asked C if I could record. He said no.  C told us about a program to pay maintenance fees. If you book through travel services you could get $.30 per point toward maintenance fees. I took a picture of his picture pitch.

Alaa C #6 complaint, age 73, (resolved) Platinum complaint #85 out of 101

Al C sold me 25,000 additional Diamond Hawaii points March 2019 for $90,750.

C said at this new Platinum Legacy level, there would be an option for “travel cash” which I could use to pay maintenance fees.  He even showed me how to calculate it. He said if I bought these points I would be at the highest level and there would be no reason to buy any additional points in the future. However, at my next presentation at the Palm Canyon Resort in California April 26, 2019, Trevor told me I needed to buy additional points.  

At the Palm Canyon April 26 presentation, Trevor told me that there is no such thing as travel cash. I WOULD NOT HAVE BOUGHT THE LAST PURCHASE FROM C IF THIS TRAVEL CASH TO PAY MAINTENANCE FEES HAD NOT BEEN SOLD TO ME as a way to offset maintenance fees. C had multiplied the number of points x 30 cents to illustrate how to pay for maintenance fees.

Trevor showed me a graph of maintenance fees showing maintenance fees increasing. Trevor had said that the way my contract with Al had been written, my maintenance fees were at the higher rate of increase. Al had said my maintenance fees would be at the lower rate of increase. Al did not provide me with a “summary of maintenance fees.” Diamond’s CLARITY promise, which promotes clear, concise, accountable and transparent information says, “You will receive a summary of maintenance fees.”

Al also said I needed to buy additional Hawaii points so that my heirs would not be responsible for maintenance fees. I have learned heirs would not be responsible.

Trevor told me I would need to purchase 75,000 additional points for an additional $125,000 to take care of the mess Al created.  Trevor and Brad also stated that Al sold me 7000 more points than I needed to be platinum.

Al said to put part of the down payment on my own credit union mastercard. If I called the next day he would switch the money to my Barclaycard so that I would have a 0% interest for 6 months.  He put his cell number in my phone. I called him the next day with the required information. Al never responded to my next texts.

Since the meeting on April 28, I go to bed every night worried about my fees, wake up in the middle of the night and think about what to do, and wake up in the morning thinking about fees. This is making me ill. 

Yes, I met with the QA representative, and he may have witnessed Al telling me what to put on the why-did-you-make-a-purchase-today sheet in Cancun. Yes, I bought to have platinum status, but only because I was told this included travel cash, lowest maintenance rates, and the right of my heirs to refuse the points. 

#7 “Al” complaint Leo Gomez, deceased at age 71

Army, Vietnam veteran Agent Orange 100% disabled

September 10, 2018

To: Hospitality

Michael Flaskey, CEO


Barclays President’s office

Association of Vacation Owners

We only bought points because we were told ILX went bankrupt.  In March of 2017, I was diagnosed with pancreatic cancer, stage 4.  In September 2018 I was told there was nothing that could be done. I have been given a few weeks to a month to live. I have been approved for Hospice.

We only owed about $6,000 on the loan before Al said we had to convert our PVC points to US Collection. The presentation was exhausting, over four hours. Al knew I had pancreatic cancer and was exhausted because of that. ILX 15 years ago $17,500 was the purchase price 

I have learned it was not necessary to convert our PVC points. They said our maintenance fees were $2,200 for 2018 and would go up to $3,000 January 1, 2019, if we did not convert. They said at Silver the maintenance fees will not go up. Especially under the circumstances, we are upset that we were lied to. We bought 15,000 U.S. Collection points July 16, 2018, at Cancun converting PVC points to U.S. points purchased for $33,000. Amount financed: $28,000.

Leo Gomez

Leo’s last words to us, “I want my story told.”

We seek to provide timeshare members with 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.

Free at Last Facebook

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Diamond Resort Facebook

Gold Key Facebook

Inside Timeshare Facebook Group

Thank you Patty for your time and effort and we hope that your next round of protests goes well. We are also very sorry to hear that your own complaint was turned down. We have with your kind permission attached a PDF of the letter you received from the Nevada Real Estate Division.

That is all for today, if you have any comments, views or just need any information please use our contact page and get in touch.

Anfi Partner IFA Group Holds AGM

On Thursday 18 July 2019 in Duisburg Germany the Annual General Meeting of the IFA Group, which is a publicly owned company and listed on the stock exchange was held. IFA Group which also includes since 2016 via IFA Canarias SL and Anfi Invest AS owns a 50% stake in the Anfi Group which they purchased from the Lyng family for 41.3 million Euros in September 2016.

After a capital increase which is intended along with other things to acquire the remaining 50% share of Anfi, the company has a balance sheet totalling 467 million Euros, it is also now 76% owned by Lopesan Touristik SA of Las Palmas de Gran Canaria. The operating results after adjustment were only €7.4 million before tax due to various special items. With a positive contribution by IFA Canarias SL of €3.8 million including Anfi with € 2.4 million.

Anfi Gran Canaria

Although Anfi is jointly owned with a 50/50 split between IFA and the Cazorla Group, IFA actually has no say in the company as Cazorla has the “Golden Share”. Giving them total control, this is how it looks:

Grupo Santana Cazorla SL has a double vote on all the key decisions, with IFA only having 33% of the voting rights on these decisions. After the acquisition of the Lyng share, it became apparent that IFA is unable to actively participate in any financial and business policy decisions due to company-contractual agreements. Grupo Sanatana Cazorla SL, in fact, excludes IFA any participation in all business decisions, even important business meetings are held and conducted without IFA. But even so, IFA was able to acquire the balance sheets of the Anfi Group.

IFA has basically confirmed that it is being kept more or less in the dark and have no idea what is going on inside Anfi. This does look like Anfi is holding back very important information regarding their position from its own shareholders, this is definitely no way for a company to operate.

During the Annual General Meeting in Duisberg, the most interesting part was the questions and answer sessions. Unfortunately, these are not required to be published unlike the report of the AGM which should be published in around 1 month.

Due to the presence of Anfi insiders (including Inside Timeshares source), the IFA board was totally overwhelmed with questions concerning almost all the problems of Anfi. There was nothing left out and of particular importance were the questions regarding the solvency and the wave of complaints. Our source has limited these to only a few concrete statements:

  1. By 31 December 2018 there were around 1,000 complaints at court;
  2. The complaints would only lead to a deferred resale of withdrawn weeks;
  3. In all cases Anfi claims it looks for agreement out of court;
  4. Anfi has formed a €15.5 million risk reserve for that eventuality, (does this mean that IFA also has to contribute the same amount?);
  5. IFA sees Anfi as solvent with some bearable risk;
  6. A full takeover of Anfi is planned within the next 5 years:
  7. There are also negotiations with the Mogan Community about a hotel in Tauro;

What we also know about this “partnership” is that IFA claims they were not aware of the “Cazorla Golden Share” until after they purchased the 50% from Ragnar Lyng. It was also confirmed by IFA that they have very limited access to the running of the business and information. This poses a very important question, as IFA is a multinational public company spending millions on this purchase, is it conceivable that they did not perform due diligence before committing to the purchase?

It has also transpired that IFA was also unaware of an article published in La Provincia in March 2019 that Anfi was employing delaying tactics with payouts ordered by the courts. Inside Timeshare found out after consulting CLA that there is €57,800,000 worth of claims. This now begs the question if IFA matches the 15.5 million set aside by Anfi bringing the total to €31 million, who will cover the rather large shortfall?

One thing is for sure, IFA is a very valuable company, they have recently spent $481 million on their new resort in the Dominican Republic, The Lopesan Costa Bávaro Resort, Spa & Casino which is a luxury 5-star hotel.

Costa Bávaro Resort, Spa & Casino Dominican Republic

So even with the Cazorla’s transferring funds between accounts to delay court-ordered payouts, IFA is in a very good position to cover these costs. For claimants this means only one thing, claim payouts will be 100% guaranteed.

It must also be pointed out that the number and value of claims set for the court is only the tip of the iceberg, this may yet rise significantly, especially with Anfi attempting to force members into new contracts. We have already seen two attempts with very little response from the membership.

There are many other questions which need answering but the one that comes up though enquiries to Inside Timeshare most often is if IFA does take full control of Anfi, where does this leave the members, will IFA continue with the “timeshare model”?

The answer that question still eludes everyone.

The one thing that is certain with the IFA revelations and this is great news for clients of CLA with cases in court is that they will now get paid when the court orders the return of their money.

Link to La Provincia article on Anfi delaying tactics.

Link to IFA stock market information.

Friday’s Letter from America

Welcome to this week’s Letter from America, today Patty Boyak who has been attending court on behalf of Inside Timeshare reports on the verdict in the trial between Candace Czarny and Hyatt for unfair dismissal. Unfortunately, it is not the result that we had all hoped for. We then go on to report on seven more complaints against a Diamond Resorts sales agent in Las Vegas and five against another Diamond sales agent in California. These complaints are becoming all too frequent with Inside Timeshare receiving them almost on a daily basis, yet the timeshare companies do nothing and continue to allow their sales agents to behave in this despicable manner.

Now on with Patty’s report.

Former Hyatt Timeshare Sales Executive Candace Czarny v Hyatt Residential Marketing Corporation and Kent and Allison R. Drysdale

CASE NO.  CV2013-006230

Jury Trial Verdict

Seven complaints against our Diamond Resorts Las Vegas sales agent and five complaints against our California agent 

By Patty Boyak

July 19, 2019

In the trial of Candace Czarny v Hyatt and Kent and Allison Drysdale, the jury ruled in favour of Hyatt. While the verdict was a profound disappointment for Candace, when God closes one door he often opens another.

In 1991 Anita Hill got dragged through the muck of Senate hearings after accusing U.S. Supreme Court nominee Clarence Thomas of sexual harassment. She didn’t want to go public, but knew in her heart she needed to speak out about actions she felt were inappropriate for a Supreme Court justice nominee. A movie was made about her humiliating ordeal. At the end of the movie, the wrap-up listed the positive consequences because of her efforts. Nationwide revisions to antiquated sexual harassment policies and procedures ensued.

To be honest, having listened to a week of testimony, I felt Candace had at best a 50/50 chance. She had only worked in the timeshare industry for 17 months. However, Candace scored a major victory in court for timeshare members, assisted by other witnesses, and Hyatt’s attorneys provided landmark evidence or lack of:


The reason this is so important is that so many timeshare complaints begin with, “They said I should have gotten a letter.” This statement is reported by many Diamond members, including a disabled veteran who caught deception on a recording. Understandably, his dispute was quickly resolved. We experienced the same agent but were told another member’s complaints had no bearing on our complaint.

If you listen to the recording, most would conclude this agent should have been fired. Instead, he introduced himself to us a year later as a Platinum Counselor, and just a few weeks ago, our group received complaint #7 against this agent.

Defendant Kent Drysdale was Hyatt’s Director of Training, but some of the deceptive practices described in Candace’s lawsuit (like the letter), were the same practices members complained about during the Arizona Attorney General’s investigation of Diamond Resorts in 2016. Mr Drysdale was the Director of Training for Diamond prior to being recruited by Hyatt. Arizona Attorney General Mark Brnovich issued an Assurance of Discontinuance against Diamond Resorts after the AG’s office received hundreds of complaints from Diamond members.

A “deceptive price freeze” demands the member buy points the same day or loose special pricing. In the case of the veteran who recorded our Diamond sales agent, not only had the veteran repeatedly asked for his driver’s license and credit card back over two hours of a five hour ordeal, he was told that because he “didn’t get the letter” he was not grandfathered in for a special price after Apollo Global Management had acquired Diamond. Alaa stated this meant they would have to pay enormous maintenance fees over the next ten years unless they purchased additional points. As this dispute quickly resolved, we will not identify the buyers or link the article published about their dispute.  

Thank you, Candace!  

Those of us whose families have been harmed by timeshare sales agents, now have proof of deceptive and unfair practices because Hyatt’s attorney could not produce the letter. One of the members of the jury had asked where it was. There were 200 exhibits. Two letters hastily produced at trial, but neither had anything to do with a prior letter the member was supposed to have received.    

I would like to share our Diamond Resorts experience so consumers may understand how the decked is stacked against the consumer. Of the 913 complaints our advocacy group has received, 115 are veterans and active duty service members. My husband is a Navy veteran.

Our Timeshare Accountability Group™  members share experiences in an effort to expose timeshare sales agents that have had multiple complaints filed against them. Including the veteran and our family, a total of seven complaints have been received, directed against Las Vegas sales agent Alaa C, and five complaints against California agent Trevor W. We purchased from both agents!

I have asked Inside Timeshare to publish our complaint submitted to the California and Nevada Real Estate Divisions hoping to reach lawmakers who, in recent Arizona legislation, bent to the will of ARDA lobbyists. ARDA’s position is that a state should not take responsibility for those who did not bother to understand the product and Arizona Senator Michelle Ugenti-Rita was quoted, “These people are adults. There was a meeting of the minds and they signed a contract. They should take responsibility.”

I’d like for ARDA lobbyists and lawmakers to read five complaints against the California agent in today’s article, and the seven complaints against Nevada agent Alaa C (to be published next Tuesday) to understand the kinds of minds that meet.            

Five complaints against California Diamond sales agent Trevor W and Principal Broker Peter M

Trevor W complaint #1 A Senior in her mid-70s

Trevor W complaint #2 Brandon and Patty Boyak

Trevor W complaint #3 A Navy veteran

Trevor W complaint #4 Reported complaint but did not buy

Trevor W complaint #5 A senior age 75, resolved 

Trevor complaint #1 Platinum Member #80 of 101, age 75

April 10, 2019

My mother lost her entire retirement annuity of $350,000, plus maintenance fees are $20,000 so almost $400,000. She was switched back and forth five times over six transactions.  (Highlighted in red are agents Inside Timeshare received multiple complaints against):   

Everything was okay until May 2015 when Rick C transferred her points to the US from Hawaii, which cost $42,000. September 2015 she was switched back to HI by Paul M for $33,000. April 2016 HI points were switched back to the US at Mystic Dunes in Orlando, by Angelica S. In March 2017 she was switched back to HI by Ras for $38,000. November 2017 Palm Canyon Resort $80,000 bought points from Trevor W. October 2018 Billie B and Fred K transferred points back to the US telling her she would be able to pay maintenance fees costing $45,000. In Hawaii, one of the brokers said he has a broker who could help her rent points (which is not allowed for-profit) to get her money back and in the future, her points could be sold back to Diamond. 

She did not buy a second time March 2019 from Paul M. Paul said she should switch back to HI because there was going to be a huge Special Assessment in the US if she didn’t switch back to Hawaii for $63,000. She ended up with 100,000 US Collection points and $17,000 in annual maintenance fees

Trevor complaint #2 Platinum Member #28 of 191

July 6, 2019

Brandon and Patty Boyak

Our complaint is against CA Diamond Resorts sales Agent Trevor W.  

We purchased 17,500 points October 21, 2017, from Trevor at Palm Canyon Resort in Palm Springs, CA for $72,850.

Consumers need to know there is nothing to prevent timeshare fraud without a recording because proof is required. I spoke to attorneys to ask what constituents proof. I was told a pattern of complaints serves as a form of proof.  This is why we are gathering complaints.    

Peter M, Principal Broker California  

Trevor W said if we became Platinum “members” as opposed to “owners” we would be eligible for a program to sell points back to DRI at $0.30 per point. He explained this as a buyback program available only to Platinum members. We had never heard the term “member” before.  Trevor explained that by becoming a member we would lock in our maintenance fees, preventing them from increasing at alarming rates over the coming years. There is no such thing as member or owner points.

We never attempted to sell points back at $.30 because we missed the window period. Trevor explained that we had to turn in points by November 30 and we had to have 20% of our loan paid to be eligible for the maintenance fee buyback program. In no way would we have 20% of the loan paid in such a short time. This avoided the rescission period.  We were already aware of a travel discount program called 30/30. We did not know at the time only Platinum members can pay maintenance fees at $.04 per point, a worthless benefit because 50,000 points turned in at $.04 a point would cover only $2,000 towards an $8,631 maintenance fee bill (in 2018).

Trevor explained that as soon as a buyer makes an initial purchase of Diamond points, they become an owner.  Any new purchaser is considered an owner, but once we became Platinum we would become a Diamond member. He reminded us that we were considered “owners” because of our past Monarch affiliation.

We had five contracts prior to this meeting. This would finally give us true Platinum Member status with DRI.  The contracts were not wrapped.

Trevor Complaint #3 #78 of 101

A Navy veteran (retired), age 69

April 5, 2019

To: Michael Flaskey, CEO

Maria Kalber



Barclay’s Bank

January 28, 2018

Points purchased: 1,500

We attended a presentation at a hotel on January 28, 2018.  Mr R. He said it would be better if we were to upgrade to Platinum because then we would be able to use our points to pay maintenance fees. I explained that we did not have the resources to upgrade. After several hours we agreed.

September 4, 2018, NV

Points purchased: 16,000

Sales Agent: Mr J Trevor W

Manager: Mr Matthew G

Purchase price: $48,000

September 4, 2018, we met with Trevor W. Mr W went over our account and stated that we were only a temporary platinum member and that we could not use our points towards maintenance fees.

I recall being told several times that if we were to upgrade to Platinum it would be an investment that we could pass to our children. He said if our children did not want the timeshare in the future they would be able to say that they did not want it or that they could sell points to pay maintenance fees.

Mr W asked us how we were able to purchase our existing points at such a low price because the price for points now was much higher.  He left to talk to his manager and came back stating that they would honour the low point price but if we waited the price would be substantially higher, somewhere in the range of 9 dollars and that they would increase soon in the future.  It was again mentioned that we would be able to use our points to pay maintenance fees by selling points. He said we would be able to sell our timeshare points outright in the future, but not at the present time.

Mr W said he would assist me in using Barclay Card points and Platinum exchanged points to pay maintenance fees. Mr W gave me his cell phone number and told me to call him towards the end of the year and he would assist me with the process.  Mr W never returned calls. After contacting customer service I found out that the point conversion was so small it would not make a dent in the liability. I did not find this out until I was billed for maintenance fees and attempted to pay the fees via points.   

 I have learned members are not required to attend presentations unless accepting a promotion. This also is deceptive to be told an update is required when it is not. Diamond points are worthless on resale. 

A senior, age 73, who did not buy from Trevor  

Trevor Complaint #4 Platinum member #85 out of 101

At Palm Canyon CA Trevor showed me a graph of maintenance fees showing maintenance fees increasing. Trevor had said that the way my contract with Al C had been written, my maintenance fees were at a higher rate of increase. Al had told me my maintenance fees would be at the lower rate of increase, but Trevor explained that because of how C wrote the contract I was at the higher level because C wrote the contract as an owner contract and not a member contract. He explained that there is a difference between members and owners in terms of how much you pay in maintenance fees. However, I bought non-deeded Diamond points from Al, so what he sold me was a membership. He said C made more money selling owner points.

Trevor waived the maintenance fee graph in front of me and said, “I know you are telling me the truth because there would be a signature acknowledging receipt in your file”. I asked Trevor for a copy of the contract history he was reviewing, but he said he could not give this to me. Trevor said the only way to fix the problem C caused was to buy more points for $125,000. Had I believed Trevor’s nonsense about buying ownership and not membership points, I would have been driven deeper into debt. I would be another Platinum member-driven into foreclosure.

Trevor also presented the misrepresentation about heirs saying that my heirs would be responsible if I did not buy an additional 75,000 points for $125,000.

Trevor, and a second agent, Brad G, said I could get out of the owner status and go to “member status” if I made the purchase.  Trevor assured me if I bought the points, I would then have the lowest maintenance fees. He told me I would need to do this to take care of the mess C had created.

Trevor and Brad acknowledged that “middle easterners at Cancun” in Las Vegas often made these mistakes. They thought Al was one who had put another person in a bad situation, but they would call Mike B to see if they could help me. Trevor agreed that Al had sold me a bait and switch.  Trevor and Brad also stated that Al had sold me 7000 more points than I needed to reach platinum status.

In the end, I did not feel that I could trust Trevor. I asked Trevor for a copy of his proposal that he had written down so I could talk to my financial advisor. He would not give it to me. I said I had to talk to my family because they had been waiting for hours. My friend and daughter-in-law returned with me and said that I was not going to sign anything. Trevor got nasty and said, “I resent you coming in here at the last minute giving advice.”

I also was told that unless I bought the new points from Trevor I could not sell my points.  If I did buy the points from them, Diamond would give me a list of members to whom I may sell. Diamond points are worthless on resale.

Besides ruining my afternoon with my family for my grandson’s birthday, I was a mental wreck.  When I returned, I told the two men that I didn’t have enough funds to make the purchase. I asked for more time so I could talk to my financial advisor who was not available by phone.  Trevor denied that request. He said I had to sign right then. He said if I signed I had 7 days in CA to cancel the contract. 

Trevor Complaint #5

A senior, age 70, Diamond Platinum member #90 of 101

June 5, 2019

To Michael Flaskey, CEO


Barclay’s President’s office


California Real Estate Division

Peter M

Trevor W

On 4/22/19 in Palm Desert, I went to an “Owner Update” with Platinum specialist Trevor W.  I had previously been assured that since I already owned 90,500 points, I was well in excess of the 50,000 points needed to be Platinum. I am 70 years old and have no children. The timespan and need for points are limited. Trevor launched into an explanation of why I had to buy additional “membership” points because the prior Hawaii sales agent had fraudulently, or at least mistakenly, sold me “owner” points due to inadequate training.  

I explained to Platinum specialist Trevor W that my only goal was to find a way to SELL my points, and also to make absolutely sure that Diamond could NOT attach my estate because my heirs did not want the points. 

Trevor explained that my points were essentially worthless, that there was no market for them because of the type of ownership category I held. He explained that the points that I owned, on the secondary market, would have none of the myriads of benefits like travel reimbursement for air and hotel, or access to other features. The buyer could only access specific Diamond-owned properties. 

The Hawaii sales agent said that Hawaii points were the premium to own and in huge demand by buyers. They explained that Hawaii points have a limited supply, so I could use them and then easily sell them. In fact, they said Diamond itself would likely buy them back because they were running out of property in the tight Maui market. 

Trevor pretended to be disappointed that I was sold a pack of lies, and implied that the Diamond rep knew the Hawaii points had no resale value. He said the rep should have disclosed this fact about worthless “ownership” points, worthless even when sold in Hawaii. I was really discouraged. Trevor posed as my friend, sorry to have to explain this to me.

Trevor offered a solution. Apollo owned Diamond, and Apollo was going public in the next couple of months. He said Apollo wanted Diamond to be clean as a whistle to have a stellar rating and reputation. Many owners had complained about not being able to resell, so Apollo had created a new class of ownership called “membership” which entitles a future buyer to all the Platinum benefits of my points. The maintenance fees for “owners” were going to skyrocket, compounding every year. He showed me a horrifying chart showing maintenance fees growing to a million dollars in aggregate over 20 years.  But the “membership” category would be capped. This would result in huge savings over time.

Trevor said the terms of the public offering SEC filing by Apollo mandated that points had to be sold at a base rate of slightly over $11/point. No more bargaining. Trevor said there were scores of Platinum buyers clamouring to buy points, as they would not want to pay the new rate, creating a hot market to sell points to those who had previously purchased “ownership” points like I had been mistakenly sold. Trevor said he would give me a list of buyers with their emails once Apollo went public. Of course, it would be up to me to make a private party agreement.  We had an elaborate discussion about what my average cost per point would be – about $4.50. 

Trevor said he had recently purchased points, knowing he could sell them back at a profit. Being leery, I said I wanted to see his purchase contract, which he said was at home, so on speakerphone, he called his wife to ask her to fax it.  She answered, such a sweet voice, and said she was at the market, but would send it as soon as she got home. So we took a break, as we’d been talking for hours. The break stretched to an hour. When we reconvened Trevor showed me his purchase contract. It must have taken an hour to make the mock purchase contract, backdate it, and have it faxed.

The hook was lowered.  I would be required to buy 25,000 points at $112,500 in order for Diamond to convert all my “ownership” points to “membership” points.  I was shocked at the dollar amount. It was like betting on the come, but it seemed the only way out. In about 2 months, Apollo would go public and Trevor would give me a list of eager existing Platinum owner-buyers. As I stalled, exhausted and discouraged, Sales Manager, Bradley reassured me.

I signed the purchase contract with misgivings, and explained to the contract/quality control guy (who said he was there to protect me from any misleading sales practices), that I was forced to buy points in order to be able to sell points in the near future and at least break even.  He didn’t blink an eye, which was reassuring. 

During this process, a loved one was rapidly sinking into dementia/Alzheimer.  

Members and current and former timeshare sales agents like Candace can help by joining forces with others seeking to reform timeshare. Sign this petition for reform to let your voice be heard, and join one of these self-help groups.

We seek to provide timeshare members with 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.

Free at Last Facebook

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

Bluegreen Facebook

Wyndham Facebook


Sapphire Starpoint New:

Diamond Resort Facebook

Gold Key Facebook

Inside Timeshare Facebook Group

Once again thank you Patty for taking the time to attend the trial and submitting your report, itjust unfortunate that it was not the result that Inside Timeshare and our readers had hoped for. We must also give Candace a very big thank you for having the courage to take on the big boys, we all hope that you will now move on and rebuild your life.

If you have any comments or views on this or any other article published, please do use our contact page and let us know.

That is it for this week, have a great weekend and join us again next week.