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Adam Siler

Friday’s Letter from America: Open Letter to ARDA and Timeshare Crusader

Welcome to this week’s Letter from America. Over the years Inside Timeshare has been running this series of articles. We have heard from so many elderly people, veterans, and serving military personnel, all have told similar stories. These revolve around the lies and untruths members allege are told by sales agents employed by Diamond and other developers to sell their product. The initial response to complaints has always been the same, “We are not responsible for what the sales agents say” and “you signed the contract”.

Today’s article was not going to be published, but due to comments made on various social media platforms which Inside Timeshare posts, it was decided that this Open Letter was the only reply. It was one comment made by the Timeshare Crusader which really did spark this change, in the comment Lisa, who we do have a great deal of respect for, calling consumers “gullible”. Considering the horror stories we have published we felt this had to be addressed. Over-reliance on the oral representation sentence, buried in a lengthy contract, implies the consumer is at fault. Only a biased observer will hold deceptive agents blameless.

ARDA has never appeared to address this issue, and as a reminder about oral representations, we do believe that it is too little too late, a case of “closing the stable door after the horse has bolted”. They also do not go far enough to protect consumers from their ARDA members or sanction them when they allow sales agents to say what they like.

An Open Letter to ARDA and Timeshare Crusader Explaining Why the Victim should not be Blamed

https://memeguy.com/photos/images/hypocrisy--7178.jpg
  • Beth in Arkansas, on behalf of younger people buying timeshares, 
  • Tiffany, on behalf of her elderly parents, 
  • Adam, on behalf of veterans and active-duty military,
  • Bernadette, on behalf of those experiencing serious medical conditions,
  • A timeshare member from 2017 who holds a security clearance  

May 7, 2021

If you are considering buying a timeshare for the first time or you are an owner thinking about adding to your vacation ownership portfolio, ARDA-ROC and the Timeshare Crusader recommend that you consider, at a minimum, the following:

https://www.arda-roc.org/important-information-for-buying-timeshare?fbclid=IwAR0DfjCzkYz4VzvaHkASdv1NO8iBx5ETU7S9URkUjdqzty5Y81cP42mNTho

If ARDA and Timeshare Crusader would take the time to read our articles, they would learn why the victim should not be blamed. We are disappointed, but not surprised, that neither organization holds deceptive timeshare sales agents and managers accountable. On a short vacation, if promised the ability to sell points, rent points, access “equity” or refinance, no one is going to attempt to do that while on vacation. The rescission period is easily dodged. It is easy for those who have not experienced a predatory timeshare experience to judge. 

AARP staff writer Doug Shadel explains in his book Outsmarting the Scam Artists” why the victim should not be blamed. An excerpt from the chapter entitled Ether:

This inability to fully grasp how emotion or “affect” influences our decision-making is crucial to understanding why fraud occurs… Even victims who are interviewed after the fact, criticize themselves….This is because they are no longer inside the situation – no longer having their emotions manipulated and vulnerabilities exposed. The ether has worn off.

ARDA and Timeshare Crusader talk about how financing a timeshare is like financing a house. No, it’s not. Home mortgage rates in the U.S. are at 2.882%. Timeshares are financed at 12% to 19%. If a Barclay credit card is used, the interest rate after the grace period is over 20%. If you buy a house but then decide you don’t like the house, you can sell it. Timeshares are virtually worthless.   

Tiffany: My elderly parents were deceived in 2019. The security clearance holder who shares her similar experience below is not a senior, yet she fell for the same pitch that my parents fell for – you have to give up your deed and buy points. My parent’s “QA” agent kept them for 11 hours. My mother called me during the ordeal. I told her to leave. She said she couldn’t because they had their credit card and driver’s license. They attended because they were told if they didn’t attend, they would be charged for their stay. They were browbeaten into giving up the Gold Key deeds they had owned for years. There was nothing in the contract that would have addressed this falsehood, and after 11 hours without food, water, or necessary medication, they were defeated. Diamond’s response was they sounded just fine on the recorded “QA” closing. They lost the two Gold Key deeds that they had for years, and over $30,000 after being told they had to give up their deed and buy points. The full story:

Tiffany Renee’s parents kept for 11 hours:

https://insidetimeshare.com/fridays-letter-from-america-74/

Bernadette’s Change.org Petition to remove an offensive YouTube: https://www.change.org/Michael-Flaskey-MO-WA-AG-take-down-YouTube

https://insidetimeshare.com/fridays-letter-from-america-the-story-of-bernadette/

Adam Siler [email protected]

Why timeshare presentations should be off-limits to active duty military: 

https://insidetimeshare.com/fridays-letter-from-america-75/

Adam, Bernadette Tiffany: Why Buyers Need to Record the Sales Session https://insidetimeshare.com/fridays-letter-from-america-should-sales-presentations-be-recorded/

Beth in Arkansas: 

I worked as a Covid nurse during the height of the pandemic. My parents gave me 10,000 Liki Tiki points. At a presentation I attended in Tennessee, I was told I had to give the points up because they were so limited. The agent said I could get 5,000 additional points for $4,500. It wasn’t until later I learned I had a $45,000 loan. That’s more than my student loans. I would have never bought the points. Diamond Resorts blamed me. They said on the recorded closing I was informed of the total purchase price. I certainly did not hear that because I would have never signed. I wanted to listen to the recording but they said I could only do so by subpoena. They only provided a transcript in which the QA agent stated the purchase price. I have to trust that the transcript is accurate. I learned that to listen to the recorded closing, I had to get an attorney to send a subpoena, but to send a subpoena, you have to file an arbitration case. I’m 24 years old. It’s too much. I have no choice but to default. My mother is horrified. She thought giving me her Diamond points was a good thing.       

A November 30, 2018 article by a Diamond member with a security clearance:

https://insidetimeshare.com/2018/11/

Timeshare sales can pose a national security risk. For those of us with security clearances, our careers could be in jeopardy if we believe a timeshare sales agent and find ourselves forced to default on a timeshare loan. Since the timeshare sales agent knows they will suffer no negative consequences, if deceptive tactics are employed, they are given the green light to sell by any means, knowing the consumer will be blamed.  

Diamond should want the public to know this. 

At a December 17, 2017 meeting, we asked Davia H about selling our deeded Sunterra timeshare. We had no loan and had tried unsuccessfully to sell it. Davia said there was no way to sell our Sunterra timeshare because we did not have “Full Club Member” benefits. She encouraged us to become “Full Club Members” so we could easier sell the timeshare. Davia said our Sunterra timeshare was worthless. We needed to upgrade to “Full Club Member” benefits to receive “benefits that would increase the value of the timeshare to make it worth buying.” We feel not informing us that timeshare points are worthless was a material omission.  

She used asymmetric information. This is where one party has more or better information than the other.  

Davia advised us to wait six months before trying to sell (to avoid the rescission period) because the value of the timeshare would increase. She said she knew someone who helps people sell their timeshares and could give us her contact’s information. Repeated calls and texts to Davia went unanswered.

Diamond used the recording of the Quality Assurance signing session against us. Why would we ask the question of the ability to make money or sell points if we didn’t know Diamond points were worthless?  The recording of the QA was reported in a Diamond CLARITY press release to be for the purpose of enhanced training. In my opinion, the recorded closing is used as an entrapment.

I signed Bernadette’s petition. We are proof that if you do call Diamond, you will be told, “Sorry, you didn’t bring it up on the recorded closing.”  I sent our complaint to this list of contacts found on our advocacy Facebook page. They didn’t care.   

To: Michael Flaskey, CEO

Barclay’s President’s Office

DR PR Firm

ARDA

ARDA ROC

Association of Vacation Owners

Hospitality

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

This article has been written last weekend and has been set to publish automatically. Inside Timeshare may be back at some point in the next week or so, depending on recovery from surgery.

Have a great weekend.

Fridays Letter from America: Developers, Sales Agents & Exit Companies

Welcome to the end of another week with Inside Timeshare and another Letter from America. We once again visit a subject that has been followed many times on our pages the culpability of the developers in the ongoing scamming of timeshare owners by the many fraudulent exit companies that have sprung up. All because of the lies by the sales agents and the difficulty in terminating any timeshare membership.

Why are Timeshare Developers not Concerned about those Harmed by Timeshare Sales Agents?

Organizational Chart of Exit Companies

April 30, 2021

Inside Timeshare routinely hears from those harmed by timeshare exit companies. The conglomerate chart above contains familiar names. Michelle in California reached out to her timeshare company to report allegations that she and her husband were sold points deceptively. The resort dismissed Michelle’s complaint, basically saying they were not responsible for the actions of their sales agents. Michelle retained Resort Release for $25,000. Not long after, Resort Release sought bankruptcy protection after Michelle’s timeshare company and others filed lawsuits against Resort Release and American Resource Management Group (ARMG). ARMG is at the center of the chart. Resort Release appears on the right. 

American Resource Management Group  

“A top priority for ROC is to ….help protect them from dishonest individuals or companies trying to take advantage of them,” said ARDA‐ROC Chairman Ken McKelvey. American Resource Management Group, LLC doing business as Resort Release, filed for bankruptcy in the U.S. Bankruptcy Court for the Southern District of Florida under Case NO.: 19-14605-JKO. 

https://www.prnewswire.com/news-releases/timeshare-owners-coalition-issues-warning-about-third-party-exit-companies-300837548.html

Timeshare developers need to understand that a solution to the problem requires an acknowledgement that the developers and their sales agents are part of the problem. The Federal Trade Commission this year listed Timeshare Sales at #7 on their Top Ten Scams list. Timeshare Resales are #10 on the list. Timeshare resale scams are companies that contact you to say they have a buyer.   

Timeshare Freedom Group (to the left on the chart) has been running frequent advertisements on national television in the U.S. Measured in terms of dollars spent per second of advertisement, the average going rate for an ad on national TV is approximately $342,000 per 30 seconds of air time, according to WebFX.

Diamond Resorts filed a lawsuit against Timeshare Freedom Group 

https://www.prnewswire.com/news-releases/diamond-resorts-files-lawsuit-against-timeshare-freedom-group-molfetta-law–others-in-timeshare-cancellation-ring-for-allegedly-scamming-consumers-301136988.html

Help4TSO is at the top of the chart. A VA Chaplain and his wife attended an Allied Solutions Group presentation at a Joe’s Crab Shack in Las Vegas. Allied Solutions Group is not on the chart, but they refer to Help4TSO.  

“We paid Midwest Transfer $27,895 on May 17, 2017 for a Travel Club promised a release from our Bluegreen and Silverleaf timeshares, but now have a travel club we don’t need and the two timeshares. Allied Solution Group/Mid-West Transfer described their services as a Mortgage Relief Advocacy Process. They said an advocacy firm would be retained by Help4TSO.”https://www.opednews.com/articles/A-VA-Army-Chaplain-Loses–by-Irene-Parker-Fraud-181009-152.html

The other side of the coin

Michelle is not alone. Air Force veteran Adam Siler is reaching out to veterans and active duty service members, Tiffany Renee, the elderly, and Bernadette, those battling chronic health conditions. With so little done to help the consumer, in a largely self-regulated industry, an informed consumer is the best defense. Adam, Tiffany and Bernadette explain in this April 16 article why timeshare buyers need to record the sales session.

https://insidetimeshare.com/fridays-letter-from-america-should-sales-presentations-be-recorded/

Bernadette’s Petition has 421 Supporters as of April 25

https://www.change.org/Michael-Flaskey-MO-WA-AG-take-down-YouTube

See the source image

Michelle’s report, followed by three other reports against her sales agent 

By Michelle in California

I signed Bernadette’s petition to protest the double standard. In January of 2018 we met with Diamond Resorts sales agent Adam D and his manager Billie B in Las Vegas. We already had 70,000 Diamond points. As Platinum members, this was more points than we needed. Anyone who has achieved Platinum loyalty level has likely spent over $200,000 on vacation points.

Adam informed us that our maintenance fees would go up every year unless we wrapped our prior loan into a new loan. He said that by refinancing, our maintenance fees would not increase for ten years because they would be included in the ten year refinance. Adam said he would GIVE us 15,000 bonus points if we refinanced. We received bonus points at prior purchases, so this seemed normal. 

We noticed the Purchase and Sale Agreement showed 15,000 points. We asked Adam about it because we told him we didn’t want to buy additional points. Adam said not to worry as it would get fixed later. He added that if we ever wanted to sell points, “We can hook you up with another member. Diamond will charge $250.” We now know Diamond points have no resale value. You have to PAY Diamond $1,000 per contract to take points back. The meeting lasted over seven hours.  

It wasn’t until the next month we learned that we BOUGHT 15,000 points! Our loan amount increased to $183,582 and maintenance fees increased from $12,000 to $15,000. We called Diamond. A Quality Assurance representative named Dave said he would investigate. He never called back. Ultimately, Diamond’s attorney sent us a letter that basically said all that matters is we signed a contract.    

We retained Resort Release in June of 2018 because there was no way we could afford the additional purchase. After paying Resort Release $25,000, they filed for bankruptcy.  

Other Adam D Complaints

Complaint #2 Bonita in California

https://insidetimeshare.com/tuesday-review-clarity/

In May of 2017 we purchased 4,000 points from Adam and his manager Joey. Adam told us that since we had so few points, we were paying more for maintenance fees than we would if we purchased additional points. After the purchase, I received a bill for $661 for additional maintenance fees. Adam said that my fees would be $1,124 but after the purchase they were $1,541. When questioned, he responded that the $1,124 was the amount for the new maintenance fees as stated on the contract. That was not how he explained it. We were told the price of the points was going to go up, but learned points have no resale value. Adam also said he was going to add in a Westgate week so that we could be at Silver loyalty level at 15,000 points. We did not own a Westgate week.

Loan amount $22,829.44 financed @ 17.1558%

Diamond’s Response: 

“We must advise that it is specified clearly in the contract documentation that if you relied upon any verbal information given during the presentation you must ask for this to be put in writing. Likewise, if anything was said that was of particular importance to you, but which is not contained in the terms and conditions of the membership, this should have been requested to be implemented in the body of contract before documentation was signed.”

Adam D complaint #3  

Wanda and Douglas, ages 65 and 71 at time of purchase

Douglas is a Bronze Star Veteran 

We owned two deeded weeks. We purchased points from Adam D at Polo Towers. The purchase cost $2,400 per month in monthly loan payments and $13,000 in annual maintenance fees. We were told that we would be able to rent out the timeshare to make money to cover the monthly loan payments. That turned out to be impossible. We defaulted on the loans.    

When we called Diamond they said: We are not responsible for what a salesman tells you. I asked, “Doesn’t this salesman represent your company?” They just repeated, “We are not responsible for what a salesman tells you.”

Complaint #4 A former Criminal Investigator

We met with Adam and Rick at Polo Towers. They explained how Diamond Resorts had been taken over by Apollo Global Management and that Apollo, realizing that Diamond had failed to remedy failures, created a program that would provide financial relief – if we purchased additional points. It would be foolish not to join as it would “right all wrongs.” Rick produced a binder listing “The Club” benefits. Adam produced a card from his wallet. 

Benefits that failed to materialize:  

Benefit 1. When making reservations, 50% of the points used would be loaded onto a reloadable “Club Card” that could be used like cash, redeemable for $.10 to $.30 per point. The credit could be used for anything, INCLUDING PAYMENT OF MAINTENANCE FEES. Had this been true, it would have addressed our major concern – rising and exorbitant maintenance fees.      

Two weeks passed without receiving a “Club Card.” When I contacted Adam he said Diamond discontinued the card. When I asked what would replace it he said he was in a meeting and couldn’t talk. I never heard from him again. When we attempted to obtain the “50/50 split” we were told no such program existed.   

Benefit 2. Vice President of Sales Dan P would be our “Personal Travel Concierge.” Dan’s skills were described as being “like magic.” Dan gave us his business card and said he looked forward to working with us. Voicemail recordings were all that happened.  

I sent a letter to Diamond CEO Michael Flaskey. His agent recommended I use Diamond’s Barclay credit card explaining, “That is what ‘covered under financing’ means.” I have stopped payments. Nothing was ever mentioned about using Barclaycard to pay maintenance fees. Charging purchases to a Barclaycard offsets maintenance fees at only 1%, or 2% if used to charge Diamond-sponsored products. 

See the source image

More need to join our efforts to reach out to lawmakers, regulators and the media to raise awareness and provide consumer education. A simple disclosure provided before the sales session alerting the buyer that anything a sales agent promises will not be honored – due to one sentence in your volume of documents: 

“I did not rely on oral representations to make my purchase.”

A Diamond member-sponsored Facebook 

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

Thanks to Michelle and all our contributors from across the Great Lake, your problems are very similar to those experienced by timeshare consumers in Europe and most probably anywhere in the world that timeshare is sold. Hopefully, these articles will help to create a change in the industry that is well and truly needed.

That is all for this week, Inside Timeshare will not be publishing for a short while due to personal reasons, but we hope to be back with you within a couple of weeks.

Have a great weekend.

Friday’s Letter from America: Should Sales Presentations be Recorded?

Welcome to this week’s Letter from America, as you can see from the title, Adam Siler, Bernadette and Tiffany Renee give their views and stories answering the question of why they believe sales presentations should be recorded. As those of you who have been following Inside Timeshare over the years will remember, we have published numerous Nightmare on Timeshare Street stories on how people have been duped by sales agents. Some of these articles can be found on the links at the end. Inside Timeshare would also like to remind all our readers to sign the petition from Bernadette for Diamond CEO Michael Flaskey to remove his video which many who have been through the Diamond mill find offensive. Please take the time to sign it, no matter where in the world you are, many voices, one message.

https://www.change.org/Michael-Flaskey-MO-WA-AG-take-down-YouTube

Why Timeshare Sales Presentations Should be Recorded

See the source image

By Adam Siler, Bernadette, Tiffany Renee

April 16, 2021

Adam Siler, Air Force Veteran

[email protected]

I learned that a timeshare buyer can’t rely on the ethics or words of a sales agent or manager. If the signing is recorded, don’t accept any reason as to why you should not bring up something promised during the sales presentation. Record the sales session in states where legal without obtaining consent. It’s no surprise that recording without the other person aware is not legal in timeshare mecca Florida. 

Even if you are savvy enough to record your sales session and easily resolve your dispute, the company will release you “without liability.” That’s the same thing as saying it doesn’t matter what the sales agent says. Despite evidence in my sales agent’s handwriting, illustrating a 7% financing that he promised to help me obtain, I was informed that it doesn’t matter what he promised because I signed a contract. 

A recent sixth complaint was directed against my Florida timeshare sales agent. The complaint was reported by a member who attends presentations to report deception. This makes the sixth complaint since 2017. The first was reported by an active-duty Navy couple.

My efforts are focused on veterans and active duty service members. An active duty service member can lose their security clearances over a timeshare foreclosure. Service members should think carefully before buying a product with little to no resale value as they can be deployed at a moment’s notice. Given the ease of entrapment, high-interest rate timeshare lending should be deemed off-limits like Payday loans. Below are four pages of articles about veterans and active duty service members hurt by their purchase of a timeshare.

https://insidetimeshare.com/fridays-letter-from-america-75/

Tiffany Renee

My mom called me a number of times during their 11 hour sales session. She told me they could not leave because the agent had taken their IDs. They were falsely told that my brother and I would be liable for increasing fees should something happen to them. They forfeited their two deeded weeks and lost over $30,000. Now they are receiving collection letters threatening to add legal fees and collection agency fees. 

In their 70s my parents had no choice but to default. Their maintenance fees increased from $2,000 to $6,000 after converting to points. My parents were no match for a “QA” agent who served a four-year jail term for burglarizing seven homes, some while occupied. He had other criminal charges over the years. The timeshare company blamed my parents, saying they sounded fine on the recorded closing. That’s why you need to record your sales session.    

https://insidetimeshare.com/fridays-letter-from-america-74/

It’s important to file complaints with the Federal Trade Commission and other appropriate regulatory agencies. The Florida Attorney General only forwarded our information to the timeshare company, and in turn, forwarded the company’s denial, but if no one filed complaints it would seem there are no problems.

At a Florida HB 435 workshop held in Tallahassee March 12, 2019, Victoria Butler, from the Florida Attorney General’s Department of Consumer Protection, reported a figure of 1,500 to 1,600 timeshare complaints in 2017, about the same number in 2018, and 700 complaints filed in 2019 through March 12, 2019. Ms Butler said about 50% of the complaints involved senior citizens with the majority in regard to the initial sales presentation. Ms Butler stated that the Florida timeshare division engaged only 42 complaints, the majority concerning resale.

(Irene Parker attended and reported)

Bernadette in Oklahoma

We did not record our sales presentation. On three occasions in Las Vegas, Hawaii and Missouri, we were not informed of the company’s voluntary surrender program. We attended a meeting only to learn how to be released due to my husband’s chronic and debilitating health problems. Each time we were told we would need to purchase additional points to gain release. 

I was shocked to be told by the Missouri Attorney General’s Office that I should get a lawyer. A YouTube featuring the Missouri Attorney General, the Washington Attorney General, and the former Arizona Attorney General describes attorneys specializing in timeshares as “storefront clowns.” 

The company only offered us their voluntary surrender program FOR THE ORIGINAL CONTRACT I FIRST ATTEMPTED RELEASE. We had no loan before the three up-sells. In frustration I launched this petition:  

https://www.change.org/Michael-Flaskey-MO-WA-AG-take-down-YouTube

https://insidetimeshare.com/fridays-letter-from-america-the-story-of-bernadette/

Articles About or By Veterans

Calvin Wardrick, a disabled Army Veteran, explains how timeshare companies and timeshare exit companies feed off each other. Calvin ran a POW camp of 27,000 Iraq soldiers and is 100% disabled due to PTSD. As Calvin explains, “My family had good intentions when they purchased a timeshare for my relaxation, but I entered into another war on US soil that we did not see coming. Stress over this timeshare has added to my sickness and has put us at a poverty level.”

https://insidetimeshare.com/fridays-letter-from-america-68/

Timeshare can pose a National Security Threat, December 27, 2017

http://insidetimeshare.com/money-vs-morals/

Wayne Robinson, a Navy Veteran/Navy Journalist, and a former timeshare sales agent, executive, and author of Everything about Timeshare, Before During and After the Sales September 14, 2018

https://insidetimeshare.com/fridays-letter-from-america-21/

John Collick, Congressional Candidate 2020 (VA-3) 

https://insidetimeshare.com/the-tuesday-slot-37/

Eddie Rodriguez, Army Veteran, June 25, 2019

https://insidetimeshare.com/the-tuesday-slot-36/

Army Veteran Ron Tzinski, June 21, 2019

https://insidetimeshare.com/fridays-letter-from-america-55/

Platinum Protest March 2019 Orlando organized by a Navy Veteran family

https://insidetimeshare.com/fridays-letter-from-america-51/

The Sherwood Family, Marine Veteran, Wyndham, March 8, 2019

http://insidetimeshare.com/http-insidetimeshare-com-p5114/

The Kleen Family, a Veteran Family, Wyndham, January 18, 2019

http://insidetimeshare.com/fridays-letter-from-america-38/

The Althage Family, Marine Veteran, Wyndham, January 11, 2019

http://insidetimeshare.com/fridays-letter-from-america-37/

A Bronze Star Veteran, January 4, 2019 1/23 complaint against the agent

http://insidetimeshare.com/fridays-letter-from-america-35/

James McConnell, Army Veteran and retired VA Chaplain  

https://insidetimeshare.com/the-tuesday-slot-9/

Willma Miller, Vietnam Army Veteran Family, October 2, 2018

http://insidetimeshare.com/the-tuesday-slot-8/

Army Veteran Leo Gomez, deceased, 2 Purple Hearts, 100% disabled Agent Orange September 21, 2018

http://insidetimeshare.com/fridays-letter-from-america-22/

George Yamada, 70% Disabled Agent Orange Vietnam, September 11, 2018

http://insidetimeshare.com/the-tuesday-slot-5/

John Kim, Air Force Active Duty, August 21, 2018

http://insidetimeshare.com/the-tuesday-slot-with-irene-16/

Joshua Parker, Disabled Army Veteran March 16, 2018

https://insidetimeshare.com/fridays-letter-america-41/

Gad and Noreen Liebmann, Navy Veterans protesting Daytona Regency and 

http://insidetimeshare.com/fridays-letter-from-america-7/

http://insidetimeshare.com/fridays-letter-from-america/

Margaret and Edward Chandler, Army E6 at discharge

http://insidetimeshare.com/the-tuesday-slot-with-irene-7/

Mike Yelton, Army and Air Force Veteran

http://insidetimeshare.com/the-tuesday-slot-with-irene-5/

Sean Wolfer, 100% Disabled Army Veteran, Agent Orange, 2/23 complaints 

http://insidetimeshare.com/fridays-letter-america-44/

Raymond Mori, age 83, a Disabled Marine Veteran 23 years, 2 Purple Hearts

http://insidetimeshare.com/fridays-letter-america-42/

Kevin and Brenda Hopkins, Air Force Veterans

http://insidetimeshare.com/fridays-letter-america-39/

Roy Simmons, Navy Veteran retired letter carrier, upsold to $2,700 a month in loan payments

http://insidetimeshare.com/tuesday-slot-irene-13/

Scotty Black, disabled Navy Veteran, Homeland Security

http://insidetimeshare.com/fridays-letter-america-36/

Air Force Active Duty Kevin Hopkins

http://insidetimeshare.com/fridays-letter-america-39/

Anthony Davis, 90% disabled Army veteran

https://insidetimeshare.com/tuesday-slot-irene-6/

Jeff Diehl, Marine veteran, disabled

http://insidetimeshare.com/fridays-letter-america-30/

Samuel Melendez, 21 yrs Army, chemical, biochemical, nuclear defense, 3/23 

http://insidetimeshare.com/nightmares-timeshare-street/

Amanda and George Jones, Active Duty Navy, December 19, 2017

http://insidetimeshare.com/tuesday-slot-irene-3/

Terry Carter, disabled Army Veteran, burn pit in Basra

http://insidetimeshare.com/tuesday-slot-irene-2/

Alan Callner, retired Coast Guard, 4/23 complaints against the same agent

http://insidetimeshare.com/wednesday-article-america/

Nancy Callahan, disabled Gulf War Veteran Family, April 24, 2017, 5/23

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

A Military Family March 6, 2017

http://insidetimeshare.com/consumer-protection-week-usa/

The Hurleys, Canadian career Army Veterans January 25, 2017

http://insidetimeshare.com/timeshare-advocacy/

Thank you Adam, Bernadette and Tiffany for your contributions, once again you have given all our readers a sound argument as to why the industry must change and change for the benefit of consumers and the industry, not just one side.

Inside Timeshare would also like to thank all the past contributors for their experiences, for many it was a very difficult step to take and share what they perceived to be problems of their own making, not realising that others have also been taken in by the sales patter.

While some families seem so obviously mislead and suffer financial harm, others are able to work out their differences. Let’s hope consumers do their part by following Ronald Reagan’s advice, “Believe but verify!”

All Inside Timeshare and our readers who have followed us and contributed over the years can say, is you are no longer alone.

Have a great weekend and join us again next week.