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The Courts Side with Consumers

The Spanish Courts have once again sided with the timeshare consumer against the timeshare industry, this his time it is a massive achievement by the lawyers of Canarian Legal Alliance and a severe blow for Silverpoint and Beverley Hills Club. So what have they achieved now?

Lawyers from CLA

As we know Silverpoint has been using delaying tactics and the moving of funds in order to escape payments to clients ordered by the courts. Obviously this tactic is causing a great deal of stress to the clients who have seen nothing but deception from Silverpoint over the years, losing thousands in the process.

But that has now all changed, lawyers from Canarian Legal Alliance have secured “embargos” on 6 properties in the Beverley Hills Club, securing funds 100% for their clients. So what is an “embargo”?

In simple terms, the properties have been seized until such time the client is paid out what they are owed. In the event that the client does not receive the funds then the courts have the right to auction off the properties in order to pay the client.

Now, when you consider, that the average value of the apartments is around 250,000€ each that is 1.5 million euros secured so far. In the case of one British client, the court has awarded just around 13,000€, yet this client now has the apartment allocated to him in his purchase embargoed to secure their payment. This is going to prove very expensive for Silverpoint and indeed Beverley Hills Club.

Silverpoint along with other timeshare companies may try to move fund around to avoid payment but this latest move by the lawyers of CLA and the courts will go after the properties to secure justice for the consumer.

Beverley Hills Club is the first, CLA will be extending this to the other “Clubs” within the portfolio of resorts. They have also indicated they have sufficient documentary proof that all the companies are linked and are responsible for each other. So for CLA clients with cases against Silverpoint, this is a first and that there is indeed light at the end of the Tunnel.

This is also good news for clients of other timeshares where the company using the same delaying tactics, we already know that Anfi has had embargos placed on their accounts, how long before the properties are also subject to the same?

Do you own with Silverpoint and want to know where you stand legally with your contract, are you being contacted with horror stories that you are going to lose everything?

If you want to know your legal position and options on how this latest news affects you, then use our contact page and get the facts from Inside Timeshare.

The Tuesday Slot

Welcome to another edition of The Tuesday Slot, this week Irene Parker continues her series of articles on complaints received by 126 Wyndham Carriage Hills and Carriage Ridge Resorts owners. Today Irene highlights complaints 31 through to 60, all these complaints are some of the very worst “Nightmare on Timeshare Street” stories that Inside Timeshare has ever received.

Following on from yesterdays article on the new website Anfi-Illegal-Contracts, it has now come to our attention that emails are now being received by Anfi owners. These are unsolicited emails and are in breach of the current Data Protection Regulations. Inside Timeshare would like to ask any Anfi owner who has received one of these emails to contact us and give us whatever information you have. This way we can publish further warnings.

Now to go on with our “Nightmare on Timeshare Street” stories.

126 Wyndham Carriage Hills and Carriage Ridge Resorts Owners Report Unfair and Deceptive Business Practices

The only responsible exit is to die childless? 

“The knowledge that these timeshares are to be burdens to our children after death is just beyond words. What a hellish thing to get stuck with after you have said your goodbyes to your parents. The children of today are not like ‘’us’’’…… busy lives with not the greatest of jobs if you can’t afford a house or even save for a house.” Rit

“Without question, the stress of the timeshares has been a catalyst for her (grandmother’s) emotional and mental state. In regular conversations with family, she shares her worry about being able to afford the fees, and in more recent months, what will happen to them when she and Gary have passed on.” Stephanie

“I have been responsible with my timeshare and feel now Wyndham should be responsible on their end. The resort is beautiful, but if Wyndham cannot figure a way to take back intervals people do not want or cannot afford, and resell them, then they need to take the option of selling the whole resort.  Quit putting guns to people’s head who can no longer afford their Wyndham Timeshare.” Rebecca

“My grandmother, 75, has her story in this 31-60. Today she attempted suicide for the second time this month. She is once again in hospital. This weighs so heavy on my heart.” 

By Irene Parker and Carriage Owners 31 thru 60 of 126 (continued)

August 27, 2019

False and deceptive advertising: There is no secondary market for Carriage Resorts timeshares, due to what owners feel is an onerous and predatory business practice. In the U.S. and Canada, timeshare buyers were routinely told timeshares are easy to sell, as they were buying deeded real estate. Who would buy a timeshare that pursues even heirs for delinquent maintenance fees, despite heirs not having signed the contract?

Our first article that prompted 126 emailed responses described Legacy timeshare owners not allowed a responsible exit. Six out of eight Legacy Resort owners reported that they had no responsible timeshare exit. One of the eight owners was Simon, who purchased a Wyndham Carriage Resort.

ARDA’s Coalition for Responsible Exit

Article 2: I reached out to a Canadian friend who, by coincidence, owned at Carriage. I was informed that Carriage Hills and Carriage Ridge owners are taken to court for past due maintenance fees. The elderly, often suffering medical hardship, are sued, and if deceased, their heirs are responsible for maintenance fees.

Article 3: Carriage Hill owner David reports a violation of trust; in that, he was assured his timeshare would be foreclosed. David followed all instructions and received notification he had been foreclosed. Fourteen months later, David has learned he is being pursued for $10,000 in past due maintenance fees.

Article drafts were sent to Wyndham media, and Mr. Jason Gamel, Sr. VP Legal at Wyndham, and president of ARDA. Mr. Gamel testified at a Florida legislative workshop on March 12, 2019, that exit companies are not needed because Wyndham has a hardship department. A draft was also sent to Canadian Vacation Owners Association (CVOA). CVOA did respond and have said they will look into this.

(CVOA) Mission Statement

  1. To promote high standards of ethical conduct and professionalism throughout the industry. 
  2. To assist in resolving consumer complaints that involve CVOA Members. 
  3. To consult with all levels of the Canadian Government to ensure fair and equitable operational, taxation and industry advancement policies that govern both our Members and consumers. 
  4. To work on behalf of CVOA Members to promote a better understanding of Vacation Ownership by the public, the media and governments; 
  5. To encourage the beneficial expansion of the Vacation Ownership industry.

Carriage Resorts Complaints #31 thru 60

#31 Mary

Hello Irene,

Thank you for taking an interest in the owners of the Carriage Hills and Carriage Ridge timeshares.  My husband and I bought Carriage Hills about 20 years ago when we had two young children and could use our timeshare or easily exchange with RCI.

The resort was taken over by Wyndham. We were encouraged to switch to points, but our exchange company changed, making it almost impossible to exchange. When we attended a session at Carriage Hills to ‘help’ us use our points more effectively, we were basically told that we should pay $16,000 to upgrade to a higher level of service. That was a no go for us!

We realize that we cannot sell our units or even give them away. We did not want our children to be burdened after our death. Apparently, the timeshare becomes part of our estate and our heirs cannot decline to take the timeshare!

We were promised upon purchase that this investment would increase in value.

About a year and a half ago, we were contacted by a Canadian exit company. We attended an information session (I’m not using their name…but their office is in Collingwood). They agreed to take over our two timeshares within one year, for a considerable sum upfront, for their online holiday rental company (Travel Club). There was a money-back guarantee. While we were concerned about the upfront fees, we agreed to use their services. Even before the year was up, they said they could not get us out of our timeshare. They passed us on to an American company who wanted more money. We were told to write letters to Wyndham.

We did not use the American company and told the Canadian company we wanted our money back, as they had not fulfilled their part of the contract. They ignored us. A lawyer is involved. So, we are back to paying fees, trying to find ways to use our points.

Thank you for taking an interest in this situation.

#32 Rebecca R

Dear Ms. Parker, 

I own at both Carriage Hill and Carriage Ridge Resort. I originally purchased Carriage Hill in 2010. In 2012 the sales staff offered a program to switch to points, which I paid for. If I try to sell the timeshare, which is virtually impossible, the points switch back to a deeded week. I was unaware of that. Rising maintenance fees and other fees make selling almost impossible. Maintenance fees in 2010 went up from $844 per year to $1,352, per interval. There is also a club fee of around $400 per year.   

I have contacted Wyndham regarding their exit strategy. I do not wish to own this forever and do not want to will it or gift it to a family member. Owners at Carriage Resorts do not qualify for Wyndham’s Ovation program. This is a shame. 

I have enjoyed Carriage Resorts and exchanging for other resorts, but exchange fees also keep going up. I have stayed at some nice resorts in the US, but think some of these exchanges could have been rented cheaper than what I am paying in yearly fees. 

I have three children. They would never be able to afford these fees.  I am starting to find it a burden myself.

When you have children with schizophrenia and learning disabilities, things get very expensive and I worry that this timeshare will be forced on them and forced on me, as years go on.  This will truly be unfair and unrealistic for them and for me. I will fight tooth and nail before I allow this to happen to my children.

I have been responsible with my timeshare and feel now Wyndham should be responsible on their end.

The resort is beautiful, but if Wyndham cannot figure a way to take back intervals people do not want or cannot afford, and resell them, then they need to take the option of selling the whole resort. Quit putting guns to people’s head who can no longer afford the timeshare. 

There are many options that could be looked at:

  • Let people out after 15, 20 or 30 years, even if there is some kind of reasonable fee to do this. Don’t hold them forever!  That is not doable. 
  • Seriously reach out to people that own, and I mean make a huge effort, to get a vote from people to sell the whole resort if that is what it takes.
  • The area where the resort is located is becoming popular.  It’s a nice area. I repeat, do something to resell the units of people who want out or sell the resort. Good gracious, get creative!

Doing nothing or suing people is not sustainable and gives Wyndham and the resort a bad name. It puts extreme stress on people who cannot afford it. At some point, I would like to exit and not burden my family. Wyndham needs to take some necessary steps.

I would also like to see some legislation put in place that better protects the consumer. This is so, so important for the timeshare industry.


#33 Linda B

Hello Irene,

We too have been trying to exit our timeshare. I have been taken in twice by companies claiming to be able to re-sell our timeshare. Wyndham says we need to find our own buyer. We have used and enjoyed it regularly, but age has caught up with us. We can no longer spend as we used to. Our children are adamant about not inheriting this burden, yet there is no way out. People who might be interested in purchasing bow out when they hear the fees. It is discouraging to hear that others can get rooms cheaper using Expedia than what members pay.

We worry about delinquency rates climbing. This is not sustainable. We need help to convince our Board, SVC, and Wyndham that members need to be able to surrender deeds back when the time comes. 

Thank you.

Linda B

#34 Suzanne T


We have owned our CH timeshare for many years and have looked into getting out. When we investigated, we saw that many people were giving away their timeshares for $1 or had them listed on various sites for months. Very few were able to sell even for $1. Our maintenance fees are over $1000 yearly. It is getting harder to pay these fees now that we are retired. RCI exchange fees keep going up as well.

We contacted our attorney here in Michigan. He informed us that not only would it be a problem for us if we stopped paying our maintenance fees, but that our children will inherit this headache once we die!! This is insane! Please help us share this information with the public to help convince Wyndham to give us a “true” exit strategy!


Fred and Suzanne T

#35 Adele C

Hello Ms. Parker,

We were given this timeshare in 2014. We only paid lawyer’s fees. As we have small children, we thought it was a great idea. After two visits, we decided that Carriage Hills was not ideal for us. With much difficulty, we managed to exchange our week via RCI. Owning weeks, not points, made exchanging our timeshare nearly impossible.

This year we attempted to sublet our week but were unable to find an interested party for March break OR for the first week of July (which coincided with a nearby Rolling Stones concert). We ended up grudgingly using the week ourselves. We found the staff unfriendly and the resort in dire need of upkeep.

We sat through a timeshare presentation but were not interested in spending thousands of dollars to switch to points, which they touted as superior in flexibility and convenience. The annual maintenance fee is an obligation we no longer wish to continue. When we spoke to the Carriage Hills staff about giving our share back, they informed us that there was no mechanism to release us from this obligation. Considering there are dozens of listings on the owner’s association web site, people trying to give away their timeshares, I don’t see a feasible exit. We don’t want this to affect our credit rating. As a young family, this could have a major impact.

#36 Ehab J

Dear Irene,

I have been an owner at Carriage Hills since 2002. I am shocked at what I am witnessing:

1.  There is no exit plan. We thought this was an asset. How can this be legal? Why, as owners, can we not change this?  What owner in their right mind would not want an exit plan? It doesn’t make any sense.

2.  Communication from Wyndham is abysmal, to say the least. I have contacted Wyndham numerous times over the last few years asking them why I don’t get any email updates. Their response is always the same: I am on a “do not contact” list. How could I possibly be on a “do not contact” list when I never requested to be on one? And why can’t they just remove me off the do not contact list? Once again, it makes no sense.

3.  Maintenance fees keep going up to a ridiculous amount. How much further will they go up? My timeshare has become of less value (it’s beyond worthless). The public can rent for less than what I pay in maintenance fees. This is simply theft in my opinion.

Given the above, this timeshare is not sustainable. So my question is:  What happens now?

How can the biggest timeshare company in the world allow this? How can they treat owners like us with such disrespect, lack of communication and transparency, holding us hostage?

Shame on them

#37 Cindy B

Hello Irene, 

Thank you for taking the time to listen to our sad dilemmas. My late husband and I bought at Carriage Hills over 20 years ago. We enjoyed the resort for many years until our maintenance fees increased at an alarming rate. My late husband took care of the timeshare. Now I am left to pick up the pieces. I am finding out that our vacation spot is worth absolutely nothing. As a widow, this was a devastating blow.  Wyndham closed its sales office. Carriage Hills resort owners are trying to give away their timeshares, some with huge incentives.

Wyndham offered an exit program for some, but it seems Wyndham has left us out in the cold. After reading how they are sending collections after seniors, it is so sad. Something has to be done. We are an ageing population and will find ourselves in the same situation. 

Thank you and appreciate anything that can be done to raise awareness.

#38 Pat S

Hello Irene.

My husband and I bought a red week Carriage Hills timeshare in 1999.

We were told at the time we were buying a piece of real estate which would increase in value.

We soon found out when we tried to sell it that this was untrue. It has no resale value.

Last year my husband passed away and I contacted Wyndham to find out if they would please take back the timeshare as I no longer have the income to keep paying maintenance fees. I was told they are not taking any deeds back and my only way out was to sell the timeshare. I told them we tried several times to sell but we’re unable to do so.

I was told there was nothing Wyndham could do.

Thank you for taking an interest in our problem.

Patricia S

#39 Chuck L

Hi Irene 

My wife and I own 1 week of timeshare at the Hills and 3 weeks at the Ridge. When we purchased at Carriage Hills in 2007, annual maintenance fee was $668. Last year (2018) the annual maintenance fee was $1351. That means the annual fee has more than doubled in 11 years. The 3 weeks at the Ridge were purchased in 2008. Annual maintenance fee at the time was $759 and in 2018 was $1325, slightly less than double in the 10 year period. 

When we purchased, we were led to believe that we could enjoy the benefits of the ownership and should we choose to do differently years later, we would be able to sell the timeshare.

The ability to sell appears to be nil, and worse, many owners are now trapped into paying increasing annual maintenance fees as their ability to pay those fees become more difficult as they age. Wyndham represents that they have a way out for owners through their Ovation program, but Carriage Hills and Ridge owners are unable to access this program.

In my case, my wife was diagnosed with early-onset Alzheimer’s in 2013, and she now requires 24-hour care. I am her caregiver.

The ability to sell our ownership, or even give it away appears to be non-existent.  I believe that Wyndham has created a situation that traps owners for their own benefit. There is no reasonable way out, so I have no choice but to continue to pay the ever-increasing annual maintenance fees.

I hope this helps you understand the difficult situation I find myself in, as well as many other Hills and Ridge owners.

Thanks for taking the time to look into our predicament. 

Charles (Chuck) L

#40 Kate

Hi, Irene,

I’m an owner of the above-mentioned resort since 2000, 

I’m interested to find a way to sell the timeshare. 



#41 Ali N


We would like to add our voices loud and clear to the exit movement … I sincerely believe the sales tactics were not fair for they were loaded with empty promises. Try booking an overseas vacation, it never materializes.  It’s always been cheaper and convenient with other providers. My whole family of 5 is currently touring the UK. Try booking a 2-night stay in Paris France….. It’s outrageously difficult and damn expensive. We want out! We own 2 “deeds”

#42 Marg M

Hi Irene 

Brandi Hope at Wyndham Carriage Hills and Carriage Resorts is our Administrative Assistant.  We were instructed to send our first document for transfer approval to her. I can honestly say she is wonderful and got back to me in a timely manner.

Original report:

Good morning Irene

My husband David and I have been owners at Carriage Hills since approximately 1998. We were promised that we could sell it without a problem and that it would go up in value (we realize things can go down but not to $0!).

We were told by our salesperson that they would be building a gondola from Carriage Hills to get to Horseshoe, but this never materialized. There is no exit option via the Ovation programme that Wyndham touts.

When we try to contact our committee or Wyndham about exiting, the responses are always negative. They suggest we get in touch with an exit company. They want an extortionate amount of money upfront.

From stories we have heard they are pretty much a scam.  As we get older we can no longer afford escalating maintenance fees. Our children do not want to inherit this burden. We desperately need an exit. 

As people default on maintenance fees, they are taken to claims court and apparently money is recouped, BUT part of our maintenance fees is supposedly paying towards the defaulters’ maintenance fees. I have asked if this is true. If so, then why are we still paying towards that and why have we not been reimbursed or our maintenance fees reduced as fees are recouped?

We actually have a person interested in taking over our week, after advertising for years. We are going to pay the $1500 lawyer’s fee and give the buyer a gift card. After I contacted the lawyer, I find I don’t even have the correct paperwork to do this. Until I do, they won’t even take on the sale. I have contacted Brandi at the resort to get the needed paperwork. She said she would have part of it forwarded to the lawyer, but the original contract has to come from corporate in Florida. I am currently trying to find a number to contact. This is proving very difficult as no one seems to be able to help. 

Sorry for the long-winded. I understand you have been looking into the timeshare industry. We thank you for that; finally, someone is trying to help us. 

Margaret and David M

#43 Lynn H

Hi Irene,

We own at Carriage Ridge resorts. We are desperate for an exit strategy. We try to use our time every year but it is not easy. We no longer ski as we are getting older and our kids are not interested in using the resort.

We are one of the lucky ones, I say loosely, as we were able to find a buyer for a couple of weeks we owned. By saying buyer I mean “We gave them our paid-up 2019 weeks and also paid the lawyer fees,” so to transfer over these weeks cost us $4,150.22.

Our buyer wanted to buy our points.

Since Wyndham reverts points back to weeks when you sell, our buyer decided they wouldn’t take one of our weeks.

Now we have a white week left.  We will never be able to find a buyer. It’s only good for booking during 10 off-season weeks of the year. The only way we will be able to get out is through an exit program.

Personally, I think that there may be some buyers out there, but Wyndham’s policies make it difficult. Renters (through Expedia) get a much better deal. We need an Ovations program.

Thank you for your interest!

Lynn and Brian H

#44 Stephanie C


Thank you for taking up this cause. I write to you on behalf of my grandparents. I have been working with my grandmother to handle this timeshare for the last few years. 

Sandra and Gary have been owners at Carriage Hills & Carriage Ridge since the 90’s, and are of the Elite designation. The initial purchase was made with the intent to travel, as YRDSB teachers with summers off. The location of CH and CR was convenient, bringing friends, children, grandchildren and great-grandchildren. Value was found in the timeshare, based on the information provided by the sales representatives.

Initially, annual fees were approximately $ 650 per unit, but 2019 fees were approximately $1500 per unit. Despite this substantial increase, there has been little to no change or improvement to CH and CR. This fee is not affordable.

In 2014 the determination was made that Gary would require more comprehensive care, and was relocated to a 24-hour care unit in a nursing home. He is wheelchair-bound and requires assistance with bathing, eating, washroom & mobility concerns. At the onset, his health deteriorated quickly and continues on that path. He communicates verbally, but he is unable to make decisions or advocate for himself.

Gary was the breadwinner, being a pensioned teacher, he supported the household. When he was moved to 24-hour care, his insurance only covered a portion. Sandra resides in their home with an adult son, who is not employed. There is nothing frivolous about her life, and her joy comes in the form of making beautiful, handmade quilts.

Sandra has long struggled with depression. In the last 4 years, there has been deterioration in her health. She sees Gary once a week. On June 30 2019, they reached 53 years married. Imagine being married for 53 years, and then having so much stress that you can’t make it out to visit.

Without question, the stress of the timeshares has been a catalyst for her emotional and mental state. In regular conversations with family, she shares her worry about being able to afford the fees, and in more recent months what will happen them when she and Gary have passed on.

They are not able to use the timeshares. Gary has no ability to travel and Sandra cannot travel alone, or long distances. She is able to get up once and a while to CH to use the pool with a friend. Shell Vacation has an online portal, but at 75 years old Sandra is not internet savvy and relies on the help of family to do simple things with the timeshare.

There is no way out of the timeshare, the fee to sell to another is substantial, the lawyer’s fees even higher. Couple this timeshare with the cuts to health and social programs that Ontario is seeing. It is really a crisis.

 Sandra’s wish is to be able to sell back or return the timeshares to Wyndham… even to transfer to a relative is a 1500$ fee and 1500$ x 5 is exorbitant. Her wish is to stop worrying about choosing these fees over her needs. She found hope in the exit program Wyndham offers, only to learn that they are not extended to CH and CR owners.

As of today, Saturday, Aug 17, my grandmother is arriving shortly at my home as she cannot be left alone. She spent the last 8 days in the hospital due to a change in medication and a depression spell. An exit strategy would be life-changing for her. 

#45 Rita D

I owned at Carriage. Hills and Carriage Ridge for 20 years, but have not stayed at the

Resort much. I used it for exchange. The time has come to EXIT. 

Many owners wish for a smooth exit. Maintenance and exchange fees are high. Being on pension and not getting any younger. Soon there will be no travelling.  In fact, it has already begun with my husband needing surgery soon.

The knowledge that these timeshares are to be burdens to our children after death is just

beyond words. What a hellish thing to get stuck with after you have said your goodbyes to your parents. The children of today are not like ‘’us’’’…… busy lives with not the greatest of jobs if you can’t afford a house or even save for a house.

Our generation has this BURDEN because of pushy misleading salespeople.

I don’t want the next generation to suffer and HATE their parents for their unfortunate mistake.

We, owners, are praying for an EXIT solution. We are very frustrated that there is NO answer or help.

Thank you for your interest in reading the Emails.

Rita D

#46 David M

Hi Irene

Our nightmare was and continues to be just that. We purchased one week in the early 2000s and we were told like others that resale would be no problem.  We were forced to buy a second unit because they said things were changing, and if we didn’t have two weeks, we wouldn’t be able to exchange into other resorts – lies, lies and more lies.

Five/six years ago our daughter came into financial ruin after a divorce. She had two young children. We had no choice but to support her. This went on for years and nearly ruined us.

I actually spoke to the President of our HOA at the time to find out the consequences of not paying maintenance fees. I was told calls from Shell Collections would occur, then files sent to outside collections, then foreclosure after no payment and after about eight months. We also called SVC. They said the same process would be followed.

After a great deal of thought and worry, we had no choice but to become delinquent ruining our credit rating. All the processes told to us by the Carriage Hills Association President and managers from Shell were followed. We received numerous calls. Everyone understood our financial issues. I returned every call I received. 

After seven months we received letters from the outside collection company saying that because of no payment arrangements, the files would be closed and sent to foreclosure. I have those letters in my notes and file. 

We never heard anything for 14 months – no calls, no letters. Then, all of a sudden, after 14 months, we received a notice threatening court and that we owed 10,000.00 in fees and penalties. 

We were devastated, to say the least. I called SVC managers and everyone I could. I was told that never, never, never, and absolutely no hard collections, no court, no garnish of wages, just foreclosure. This is what I had been told, but no. Carriage Hills changed their bylaws after we believed our accounts had been closed. Our credit rating was ruined and we had lived believing it was over for almost two years. We couldn’t afford maintenance fees, let alone courts costs, so we had no choice but to try to come up with the money. We called Ovation and were told Carriage Hills and Ridge did not qualify for voluntary surrender, but they could not say why. 

I have sent two emails with copies of all my conversations with everyone I spoke to – Wyndham President, Carriage Hills president, stressing fairness principles being broken. No one cared. The Wyndham President never even acknowledged my emails.

The perpetuities issue, given there is no secondary market, is ruining ageing owners who were told resale would not be an issue. Does Wyndham and Carriage Hills truly believe ruining everyone’s retirement years with worry creating nightmares for executors trying to close the estates of Shell Owners, is the way to treat people!  In addition to all this heartache, my wife, 74 years old, fell two years ago and broke her pelvis. She is learning to walk again. She uses a cane, can’t walk any distance, can’t carry anything while she walks, and certainly can’t travel any distance without great agony. 

All Wyndham and Carriage have to do are take back the ones who need out, resell, and make a bunch of new cash, but no, messing with old people’s lives seems to be their goal.

Again, I have notes from every person I spoke to since we decided to not to pay fees, as well as letters from collections saying files would be closed.

I have so much more to include but I have been trying to keep it short.

David M


#47 Marg K

We have been owners at Carriage Hills Timeshare since our purchase in 1999.  I don’t believe I need to recount the process used to reel us in as it is no different than everyone else.  Free weekend but spent in the grip of charming, fast-talking and manipulative salesmen. They talked nonstop during the signing process, skimming over the contract in summary fashion, asking for initials at critical statements, and was done over a fancy breakfast with no opportunity to take it away to review, as we had to check out by 10:00.  Never did they state this ownership was a life sentence for us and our children and grandchildren.

We were told of the advantage of deeded ownership is the ability to sell, and like real estate, would only increase in value.

In the fall of 2017, we were desperate to unload this timeshare. We fell prey to the second layer of deceit and spent at least $8,000 in a tiered resale scheme with Genesky, Cyria who supposedly worked with Timeshare Exit in the US to sell back our unit. They said they had great success in doing this for Carriage Hills units, as they were hot on the market, given the strength of the US dollar. We got a few emails, excuses of people who had left, and a new caseworker assigned to one that claimed a key person to our case had died. 

We are seniors on fixed incomes who have also found ourselves sadly in a late-life divorce.

Our children are not in a position to assume this ownership and unless one of them signs off to take it, the last surviving spouse’s estate can’t be settled and costs will continue to accrue. 

Wyndham is not running this resort as a timeshare, but bleeding us to pay for their investment and vacation club.  They have bullied us in board elections and even if we got more members voting, they would exercise their ability to have more voting power. We will never win.

They have shut us out of a voice on site to advertise units. And why, unless for self-serving reasons? They do this while plastering their posters everywhere. Wyndham knows that as individuals, we can’t fight them and win, nor do we have the financial resources.  If they have been so callous in dealing with senior hardship cases, you are already aware we have no hope. 

I don’t know what you can do to help us, but it does appear other provinces and counties have recognized this is a serious issue – taking advantage of seniors and vulnerable others of all ages, with no exit plan to ever escape and yes, we feel in prison.

Feel free to contact me if you want and thanks for highlighting our resort and sad situation.


#48 Heather T

Good morning, 

We purchased back in 2000. It was a foolish decision. Our plans were to exchange and use it for our honeymoon, somewhere tropical.  We quickly found out that it wasn’t quite as valuable as was indicated and booked something else through a travel agent. Well, you can’t go back in time. Today we are more financially stable and we do enjoy our time at Carriage Hills and exchanges through RCI.  

Our concern is when we get older or pass on, this will need to go to someone and we have no choice. Yes, we are using it trying to make the best of it, but we don’t want to put that on someone else, especially not our kids.

I see stories of people who need out and feel so bad for them, but also realize we will be there sooner than we think. We need a viable exit plan or even a rental system so people can make their fees back so won’t need to default. 

That’s all, thanks for your time!

#49 A & Mellissa S

Hello Irene,

I am a fairly new owner. My husband and I purchased a resale week just last year. Now if I had known how owners were being treated by Wyndham, I would have never purchased. We live close to the resort and bought there so that we could use the facilities regularly for day use, as well as enjoying our allotted time.

We did not know how high the maintenance fees would be or that we could stay cheaper without being owners. We are a young family and look forward to using our time. But what happens when we can’t use this anymore? We can’t burden our kids with this. There needs to be a fair exit. I worry how we will pay maintenance fees if they continue to rise at such an alarming rate. 

I know other families who would love to purchase for the same reasons my husband and I have… but I won’t allow my friends or family to be suckered into this until there is a safe way to get out and some kinda cap on the rising cost.

Thank you for your time and hoping all will be heard. 

#50 Linda D

Hi Irene,

We wish to add our voices to the many other owners who are looking for an exit strategy. We have owned since 2002. We believed the sales pitch and purchased another biyearly week to convert to Shells Vacations in 2003.

The ramifications of “in perpetuity” were not explained.

We were told this timeshare was an investment and an asset that COULD be passed to our heirs, not forced upon them.

To be fair, we have actually used and continue to use the timeshare to exchange and obtain prepaid debit cards. We are, however, getting older and our travelling style has changed over the years. This timeshare really no longer works for us.

We have made the foolish mistake of paying Secondary Ownership upfront to “sell” our timeshare to no avail. They called the fee an advertising fee. This company also called to offer us an exit if we would pay thousands of more dollars for them to facilitate an exit which fortunately we did not fall for.

I have no idea if any other people have had any success with this strategy. We also attempted to use Wyndham Ovations program but were told our resort was ineligible because it was an affiliate. Our attempts to sell or give away have not been successful.

We do believe that one should live up to their financial commitments, but we also believe that people who can no longer travel for health reasons, age, and changed financial circumstances, should have a viable strategy.

There are way too many stories of owners being prosecuted over unpaid maintenance fees. In some cases, the lawsuit may be justified, however, in many, many cases people are elderly, in frail health and have limited financial resources. These people should have a case for an exit for compassionate reasons.

As seniors, we now live on a fixed income and the ever-increasing maintenance fees are becoming a burden. As we age we will not be able to travel as we currently do.  We do not wish to find ourselves in the position of being unable to use the timeshare but still having to pay the maintenance fees. More disturbing though, is that we can’t seem to even give these timeshares away.  Our children have no interest in them.

Suing heirs is a completely unacceptable practice since they had no say in the original purchase.

We would be happy to give our timeshare away or have the options such as a deed back program or the ability to let it go into foreclosure. We just want out!

George and Linda D

#51 Arlene S

I own an every other year white week at each of these resorts, purchased when it was still under Shell Vacations. We bought these properties because they were close to home and easily accessible to take the grandkids skiing.

Three years ago my husband died, and since I cannot drive, it became a problem to get to the resort. I was coerced into converting to points when I bought the Ridge week.

I decided to exchange to other Shell properties. To date I have made two trips to Kona with family, mostly just to use the points I paid for. I enjoyed both vacations but believe I could have found cheaper accommodations booking online.

When we made our original purchase, the maintenance fee was about $500 per year and easily affordable. It has now tripled. In addition, we also have to pay a membership fee to RCI even though it is doubtful we would ever exchange.

We bought from Shell Vacations Club, not Wyndham, and their properties are the ones I wish to visit. For now, I have no major complaints with our timeshare, but I foresee problems soon. I am approaching 80 and not as mobile as I once was. I was considering naming my daughter as a co-owner but am having second thoughts, considering the problems other owners are having disposing of their obligations. I calculate I have spent about $100,000 in capital costs and maintenance fees. Surely the property should have some value. I am sure if Wyndham decided to sell off these properties, located in a prime vacation area, and well maintained by the fees paid by the owners, they would make a huge profit.

Timeshare properties were once a good idea, but with all the options available now, such as Airbnb, Expedia, Trivago, to name a few, they are no longer a good investment. The sales pitch when we bought was since this was a deeded property, we could always sell. From the complaints, I realize that I would have to pay to have someone take it off my hands. I hope that with all the owners banding together and with some legal intervention, we can force Wyndham to honour our legal deeds and provide an exit strategy when I can no longer use this property.

#52 Cindy L

Hello Irene,

My husband and I have been owners at CH/CR for many years.  We have not used the CH/CR location in many years but have exchanged our timeshare thru RCI.  

We have many concerns with the CH/CR timeshare as we age and eventually will not be able to use it. We do not want to burden our children with maintenance fees on a timeshare they will not use. We are very concerned about the dollars in arrears due to timeshare owners not being able to pay the escalating maintenance fees for various reasons. Lastly, we are concerned about the lack of an exit strategy. These issues need to be addressed and solutions in place sooner rather than later. Owners are not getting younger and can’t seem to give away their timeshare, let alone sell.

Thank you for your time.

Cindy and Jeff L

#53 Pamela R

Hello Irene and thank you for taking the time to hear our stories.

My husband and I purchased every other year at carriage hills around 2000. A few years later we purchased Carriage Ridge every other year in order to enter the points system.

My husband has multiple sclerosis and has become wheelchair-bound. He doesn’t accompany me on my timeshare trips anymore, but my mom does. The future for me is that my mom is ageing and my husband can’t be left by himself, so I hire people to come in. It won’t be long before we will want to exit.

It worked for us for 19 years so why can’t it work for someone else? Maintenance fees and the ability to get good rental rates and the threat of forever with no exit – that’s why. Please help us to make Wyndham aware that their product must be appealing. Help us make them realize they need to revamp the product to bring in new owners through resale and added perks etc.

Thank you ahead of time for your interest and help.

Pamela R

#54 Desiree S

Hi Irene

Please add my name to the list of people looking for an exit. I bought many years ago when my children were young. I was divorced with 3 kids. I started with the bi-annual contract for a relatively small amount of points. Over the years I added more points and therefore more contracts. Maintenance fees have steadily increased. I don’t understand why my first contract, which doesn’t have as many points, has a Maintenance Fee as expensive as the others. With these price increases, it’s become exceedingly difficult to keep up payments. I have also heard about people being taken to court if they default on their maintenance fees. In fact, I think I know the paralegal who is handling this, just coincidentally. I’m trying to use my points as much as possible but I most definitely want to have an exit strategy.

Désirée S

#55 Adam P


My wife and I are in our early 40’s and have owned at Ridge since before Shell bought the resort. We’ve never been a part of Shell Vacation Club, and have always either used it or exchanged through RCI. We love going up, and do make great use of our ownership, but the ever-increasing maintenance fees, ageing ownership, and Wyndham’s apparent lack of desire to keep the resort functioning as a timeshare make it increasingly important that there be a viable exit, so that we can get owners in that actually can and want to use the resort.

Without a way for that to happen, what happened with the Lodges at Horseshoe Resort will happen with Ridge and Hills (rising maintenance causes defaults, which raises maintenance fees, repeat till resort dies. That’s an oversimplification, but not unique)

We don’t want out now, but we will eventually. I don’t want our daughter or our estate to have to deal with all this if something were to happen to us.

#56 Josh J

Hi Irene,

I bought two weeks at Carriage Hills 16 years ago and I wish to sell. The fact that there is no exit strategy is beyond comprehension. My financial situation has changed dramatically and I need an exit strategy. I would have never purchased this timeshare had I known this.   

Thanking you in advance, 

#57 Anne & John G

In March 1998 my husband John and I purchased a week timeshare at Carriage Hills.  In October 2010, in order to have our weeks changed to points, we also purchased an every odd year ownership with Shell Vacations Club. We took early retirement in 2008 and unfortunately, our pensions are now almost depleted.  We are going to have to sell our house, pay off the mortgage and use the balance to cover us for the rest of our lives.

Obviously, we are looking at ways to save money. When we bought, we were given the impression that we would be able to sell the timeshares and make a profit. Now we can’t give them away. It has been suggested to sell/give to a friend. I cannot in good conscience do that! Although we have enjoyed having the timeshares over the years it is essential to get an exit.

Ann & John G

#58 Charles H

Hi Irene,

You don’t know me nor I you. My story goes, I was only a very young man, 19 years old I believe, and I went away with my then-girlfriend. They convinced me to buy this luxurious vacation. Now I didn’t have a lot of money then so it was clear it would have been a struggle for me to pay, but here we are. Obviously, I was qualified and able to pay for my timeshare. Years went by and by now the ex and I have split. We try and split our weeks Monday to Thursday and Friday – Sunday, basically? But we’ve been trying to sell this timeshare for over 7 years to no prevail. We paid an online company to market and sell and still no buyers. I’m convinced I’ll be paying for this for the rest of my life

Please help. I owe nothing as I paid for my timeshare in full, why on earth can I not get OUT!!!!!

#59 Lois B

I am an owner for 19 years. I now live at the Resort area so use it all the time. The fees are too high and with our current set up, fees will only go higher as owners sell or try to sell. It is hard to sell to others, due to the locked-in financial setup. We will go the way of the timeshare at Horseshoe Resort…owners forced out or paying exorbitantly to stay (Now turned into condos selling for $450 000 to high $500 000 and almost all sold out). They have lots of value now and selling well, located three minutes from Carriage Hills.

We need an exit option and we need it ASAP. 

I never voted on taking people to court, but I also do not want to pay their fees from my pocket. We need a creative win-win situation. Our CARRIAGE Hills Resort is valuable and on prime land in a great recreational destination area. We are on a gem. 

Thank you for what you do. 

Lois B

#60 Karen D

Hi Irene,

Thanks for your interest in our stories!

We bought in the ’90s and have many fond memories with our two daughters of trips to Carriage Hills and Ridge and at traded locations. First grandchild coming soon and can’t wait to have a grandparent week there every year with grandchildren for probably 15 more years!

But then…..who knows what position this beautiful place will be in!

I’m not proud to be part of a group that is treating our older generation so poorly. And it needs to change quickly. Yet there really is no interest in change, just profit.

I feel sure Owner unification will help the owners and the corporation find common interests and agreeable solutions that all can live with. Technology can be used to get a lot of owners and their authorized representatives (beneficiaries) together-physically and remotely, and find solutions.

I really hope you are able to help in any way.


Bernard and Karen D

How can any company in good conscience operate in this fashion? Thank you to Carriage Owners who responded to Simon’s original complaint reported August 8 and August 16.

Who would ever buy a timeshare if they understood the perpetual contract had no secondary market, holding heirs who did not agree or sign a contract responsible? At least CVOA is listening, and according to their mission statement, will see the futility in this stay vacationed or else demand.

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.

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Thank you Irene and thank you to all who have contacted Inside Timeshare with their “Nightmare on Timeshare Street” stories. We will continue to highlight these and hopefully the industry will eventually take notice and change the way they work, Inside Timeshare knows this is a long shot, but remember that coming together makes everyone stronger.

Start the Week: New Website Warning

Welcome to the start of another week at Inside Timeshare, today we highlight another new website that has been detected, Anfi-Illegal-Contracts. It is a very strange one indeed, having only just been registered on 17 August 2019, it does make some very extravagant claims, regarding the number of clients it has with cases in court and also the number of Supreme Court rulings made against timeshare companies, it also seems to focus purely on Anfi.

Anfi-Illegal-Contracts website:

Registered on 17 August 2019, it is due to expire on 17 August 2020, so straight away it does not build any feeling of confidence that this is genuine.

The registrar is Muhammad Rohail Hassan and is based in Pakistan and may only be the person contracted to build and register the website, not the actual person behind a dubious company.

While scrolling through the website there is a contact form which keeps appearing, it asks for your name, email address, telephone number and when you purchased your Anfi timeshare. There is also no reference to any company name or registration or even who the lawyers are supposed to be. The website itself looks as though it is purely a contact page which is phishing for your data and information, where it will end up at the moment no one knows!

According to the website they claim there have been 404 rulings made by the Supreme Court of Spain, which is a very far fetched claim as we know there are only 129, all brought by one law firm, Canarian Legal Alliance.

They also claim to have between 3 and 7 cases in court each week and have over 5500 clients going through the courts. This along with their claim that they have over 120 million euros worth of claims so far is what we would call a little bit of an over-exaggeration!

There are also three “client” reviews, one from the UK, one German and one Norwegian, all three mention the Anfi-Illegal-Timeshare-Contracts Lawyer Office, with the UK client saying they visited the office. Yet when we search for any company or office using this name, yes you guessed it, nothing shows up!

Inside Timeshare is making further enquiries into who might be behind this website and where your information will end up, but needless to say caution should be employed if you decide to fill in the contact form.

As and when more information comes to light we will publish it on Inside Timeshare. Tomorrow we publish yet another “Nightmare on Timeshare Street” story from Wyndhams Carriage Hill Resort in Canada.

So to all our UK readers have a wonderful Bank Holiday Monday and enjoy your heatwave.

Breaking News: Prosecutors Office Denounces Anfi

Further to our article about the Anfi partner IFA’s AGM published on 22 July 2019, in this article, it was revealed that IFA was subject to questions regarding all the court cases, the possible cost to IFA and what it would mean to shareholders. The article also explained how IFA is being denied any influence or information on the running of Anfi by their partners Santana Cazorla who owns the “Golden Share”. Today’s article brings in a new dimension to the tale.

The newspaper El Diario has published that The Provincial Prosecutor’s Office of Las Palmas has now filed two complaints against two of the Anfi Group Companies, Anfi Resorts and Anfi Sales. The nature of the denuncias is for hiding assets in order to avoid seizures of money in the execution of sentences issued by the courts against Anfi Group for the numerous infringements of the law in the sales of their timeshare product.

Link to the full report published by El Diario 26 July 2019. (To translate from Spanish open in google and right-click on the article selecting translate)

On 12 July, the Prosecutor Elena Herra signed the papers that send the investigative proceedings opened in January to the Court of San Bartolomé de Tirajana. This follows denunciations by two lawyers Eva González of Canarian Legal Alliance and Miguel Rodriguez Ceballos (formerly of CLA) on behalf of clients following Anfi’s failure to pay the court awarded amounts to the clients by enforcing embargos.

This process is being initiated in all cases and given the refusal of the Anfi Group to comply and voluntarily pay as requested by the courts, the court has demanded a list of all assets in order to embargo and seize the assets.

It is also alleged that since 2014 to the present millions of euros have disappeared from these current accounts with the balances being practically zero. This is despite the fact the activity of the selling of timeshare at Anfi has neither ceased or decreased as stated in the annual statements of the Anfi Group.

The information has revealed that Anfi Resorts and Anfi Sales accumulated more than 13 million euros in sales one month before the Supreme Court made its first-ever ruling establishing that no contract was to be sold for a duration of more than 50 years (Law 42/98). By December 2017 those 13 million euros had been reduced to 400,000€ and that figure has decreased even further within the last 18 months.

In this specific case, five examples of cases in which Anfi have failed to pay on sentences issued by the courts between 2017 and 2018, some of these are for sums in excess of 200,000 euros. This is despite the fact that there are in existence orders and decrees that urge the company to comply with the execution of sentences under severe penalties for serious disobedience.

The Prosecutors Office has requested that preliminary proceedings be opened in the courts regarding these facts and that the legal representatives of Anfi Sales and Anfi Resorts, members of the boards of directors for both companies in 2018, persons responsible for services be investigated as legal entities and the person responsible provide the relationship of the assets to the courts.

Court of San Bartolomé de Tirajana, Maspalomas, Gran Canaria

A second article was also published by El Diario on 28 July, in this article, it was announced that lawyers from Canarian Legal Alliance on behalf of their clients have filed for a court administrator to be appointed to oversee the accounts.

According to El Diario Anfi stopped the first of three applications to the court by immediately settling with the clients and paying them what they were due. However, in the case of other clients, the court has already convened for September to try and reach an agreement to pay them if this is not settled the court will activate the option of the Judicial Administrator and embargo the accounts.

This leaves Anfi in a very precarious position as the emptying of accounts to avoid payment could lead to criminal action against the companies and the responsible persons involved. It leaves us in no doubt that the courts are taking this matter very seriously.

Link to the second article published by El Diario.

For those clients with cases yet to be heard or waiting for sentences to be issued this is very good news indeed as it will set a precedent and will lead to quicker payments as ordered.

Inside Timeshare will be watching this latest development very closely and will publish any further news when it comes in.

Anfi: More Serious Problems Emerge

Over the past few years, Anfi has been in the news for many reasons, the main ones are the number of cases they have been losing in the courts and the Tauro Beach Project. The project at Tauro beach has also recently been in the news with the former head of the Coastal Authority being sentenced to 3 years in jail. He was found guilty of falsifying documents giving permission for Anfi to carry out the work in establishing a man-made beach months before the permissions were signed. The Canarian Government is in the process of revoking the permissions and licenses allowing Anfi to develop Tauro Beach, this will be a devastating blow to their finances. As for the court cases, there seems to be no sign that these will be ending anytime soon.

Tauro Beach Project, man-made beach, new hotels and commercial centre planned.

All this must be having some effect on the Anfi cash flow, we know they are employing delaying tactics in paying clients what the courts have ordered. It is believed that in many cases it is transferring funds from one account to another, rather like Silverpoint. We also know the Canarian Government is in the process of revoking the permissions and licenses allowing Anfi to develop Tauro Beach, this will also be a devastating blow to their finances. 

Is this an attempt to hide the money and not pay what they are legally obliged to pay claiming cash flow problems?

Or are they actually running out of money?

Where does this leave IFA as 50% shareholders, as they have no control over the board or the company?

Are IFA aware of what Anfi are doing?

The courts are taking a very dim view of Anfi tactics, they have already seen through them, a very good case in point is the one regarding a Norwegian client of Canarian Legal Alliance, Mr Hoyer. Due to the delays and arguments by Anfi on his case, he was awarded 100,000€ above the 31,000€ he originally paid giving him 131,000€. This was the court’s way of punishing Anfi for basically wasting the courts time.

Mr Hoyer one happy Norwegian client

Highlight and right click on link below for the full report

This was a very expensive case for Anfi, yet, they are still attempting to do the same thing with every case that goes before the courts. Obviously, the courts are not too pleased with this and investigations have been ordered by the Fiscal (State Prosecutor) into Anfi funds and bank accounts.

This is not the first time we have reported on “missing funds” we know that between 2012 and 2013 8 Million Euros had been diverted which was noticed by the Lyng family, then only last year in November we reported on a lawsuit between the Cazorla Brothers for unfair administration of funds, to the value of 718,000€ the  result of the case has still yet to be issued. (see links below).

The delaying tactics Anfi are employing are constant appeals to the High Court and lodging appeals with the Supreme Court, this is due only to a lack of liquidity or cash flow even taking into account the fines and interest they will accrue. It is also very frustrating to the clients with cases already won in the Courts of First Instance, it is also being used as a ploy by Anfi to put people off taking legal action.

Another method which Anfi are employing to ward off future lawsuits from disgruntled members is the attempt to change contracts, they have so far tried twice to convince members to change, but this has resulted in a very poor response. What we do know is that with all the legal problems members are very concerned with the future of Anfi.

We now look at IFA as 50% shareholders, they do not have the “golden share” so they have no control over the board or the company,  we know that IFA has set aside millions for a full takeover of Anfi, but are they actually aware of what is going on. It is more than likely that Anfi has not even disclosed this matter with IFA. IFA is a public company and is therefore responsible to have this disclosed to its shareholders, the question is if they are aware, have their shareholders been notified?

Inside Timeshare has spoken to an IFA shareholder and in the last quarterly report, there was no mention of the possible millions in losses. So it would seem that IFA shareholders are also being kept in the dark.

IFA Faro, Maspalomas

Are the IFA shareholders aware that there are around 50 million euros in claims pending against Anfi?

How is this going to affect IFA if they do eventually take full control, will they continue in the same way or will they settle the claims in the quickest way possible?

All we know at the moment is Anfi are moving funds around the different bank accounts, to us it looks like what is happening with Silverpoint, using the transfer of funds to other parts of the company to hide the money and eventually seek liquidation due to “cash flow” problems.

Unfortunately, there are more questions than answers, answers that Inside Timeshare will be looking for and publishing on these pages.

If you have purchased any Anfi product and want to know if your contract contravenes Spanish timeshare law giving you a valid case and you would like to secure your “investment”, then use our contact page. Inside Timeshare will help you find out your legal position and point you in the right direction.

Start the Week

Welcome to the start of another week at Inside Timeshare, over the past few weeks we have been publishing many articles on Silverpoint, especially the move by the parent company Limora Investments Ltd (BVI) filing for liquidation. We have also published the news that The Paramount – Club Paradiso has closed their doors with many members unable to book, the website is down and no one seems to be answering the phones. We also reported on Keys Concierge having also gone into liquidation with all the staff losing their jobs, as we know the administrator dealing with the liquidation is Alex Lawson of Alvarez and Marsal working on behalf of the Trotta family.

So as you can imagine, Inside Timeshare has been inundated with emails enquiring about the legality of all the products sold by Silverpoint. The most prolific of these products and having by far the highest costs are the “Company Participation Scheme”, with purchases from 40,000€ all the way to 150,000€ plus. Just on the enquiries Inside Timeshare has received we are looking at purchases of well over one million euros, this certainly is a very big money making scheme, the question is where has it all Gone?

Courts of First Instance Maspalomas

Now for some news from the courts around Spain.

Last Friday the leading law firm in timeshare litigation Canarian Legal Alliance, announced their results for the week, with 26 victories in various courts around Spain.

At the Court of First Instance in Maspalomas Gran Canaria, there were 11 cases found against Anfi, with 2 cases at the High Court of Las Palmas being found in favour of the clients after Anfi appealed.

At the same Court of First Instance, a sentence was issued against Palm Oasis.

In the Court of First Instance of Arona, Tenerife, Silverpoint was on the receiving end of the judges, with 11 rulings against them in favour of the CLA clients.

The last was against Club la Costa in Fuengirola, where the judge again found in favour of the client.

As usual, all contracts were declared null and void with the courts ordering a total of 1,226,260.15€ A very expensive week for the timeshare industry indeed. But at the end of the day, had they sold their products in accordance with the law, then they would not be finding themselves in this position.

If you have purchased any timeshare product in Spain and would like to know if you have a valid and viable claim or would just like to know your legal position and your options, then use our contact page. We will get back to you and point you in the right direction.

News from the Canaries: Tauro Beach; Nordic Consulting

Over the past few years Inside Timeshare has been following the story of the Anfi Tauro Beach Project. This was the creation of a manmade beach along with the development of the land to build a commercial centre and hotels. As we know there has been much controversy over the project, with the Head of the Coastal Authority José María Hernández de León being sacked and charged. His trial has now begun.

The former head is being prosecuted for illegally authorising the creation of an artificial beach at Tauro. The project was being financed by Anfi, who saw this as their flagship project, it would also involve the illegal importation of sand from the Western Sahara, which is banned by International law as well as Spanish and European law.

José María Hernández de León

On the first day of the trial, the charges are of prevarication and falsehood, which Hernández denies vehemently, stating he always proceeded within the law. The Environmental Prosecutor has called for a jail term of three and a half years.

This trial is set to open up a can of worms, especially if it turns out that Anfi had influenced the passing of the plans and the starting of the work without the correct permissions and licences.

The Mayor of Mogan Onalia Bueno was also being investigated for authorising the work to start before the permissions were signed, several months after the fact. That investigation is still underway.

We shall bring you the latest news on this trial as it emerges.

Link to the news report on the first day

Link to all articles relating to this story published by Inside Timeshare.

Information has been received by Inside Timeshare that Nordic Consulting Canary Islands, based in Tenerife and run by the Farhoud brothers is now targeting Dutch clients of Silverpoint.

The calls are being made by a former sales agent Geert de Greef, in the call, he is offering the client the chance to take legal action through the courts against Silverpoint, the cost 15,000€, but he then drops the price to 10,000€.

Geert de Greef apparently is also sending out a POA (poder) without the agreement of the client. In the agreement all the client’s details including passport numbers are present, this only leads us to believe that he is working from the official client data held by Silverpoint. So does this mean that they are cooperating with Silverpoint or have the details been stolen?

This is something we leave you the reader to decide, whichever it is, it certainly is not ethical and may even be in breach of data protection laws due to the information that they are holding such as passport details.

If you have been contacted by Nordic Consulting and especially Geert de Greef, contact Inside Timeshare and we will point you in the right direction, remember it may not be illegal to cold call but holding personal information without your knowledge or permission is.

Friday’s Letter from America

Welcome to this weeks Letter from America, today Irene Parker sets out instructions on how to file complaints with the FBI and the FTC (Federal Trade Commission). Unfortunately, many of the requests for help Inside Timeshare receives fall into the category of fraud, yet the industry still does not recognise that they need to change.

Before we start a bit of news from the Spanish Courts.

The lawyers from Canarian Legal Alliance have been at it again this week with a resounding 25 sentences issued against timeshare companies.

These have been broken down as 3 issued from the High Court and 22 from the Court of First Instance. With Anfi receiving 24 judgements against them and Club La Costa receiving 1. The Club la Costa case was heard at the court of First Instance in Fuengirola, Malaga and is the very first case to involve one of CLA’s Spanish clients. (Click on the PDF below for the court sentence).

The other cases were clients from the UK and Scandinavia, with most receiving double the deposits paid and the return of legal fees, all contract were also declared null and void.

The total amount awarded in all these cases is a staggering 828,329€. So congratulations to the clients and also the entire legal team at Canarian Legal Alliance.

Now for our Letter from America.

Timeshare Accountability Group™

FBI and FTC Filing Instructions and Talking Points

April 26, 2019

By Irene Parker

When timeshare members feel they have experienced unfair and deceptive timeshare sales practices, the member should first reach out to their resort in an attempt to resolve the dispute. If informed, “You signed a contract” or “We are not responsible for what our sales agents say,” file a Better Business Bureau complaint and file a complaint with the Attorney General from the state where you signed a contract.

Unfortunately, some timeshare complaints meet the FBI definition of white-collar crime. If the complaint is of a nature that meets the following description, file with the FBI at or file orally by contacting an FBI field office.

# 1

Timeshare fraud falls under White Collar Crime/Mortgage Fraud/Financial Institution Fraud/Fraud for Profit. click on the link below to read about mortgage fraud. The general definition of white-collar crime is “deceit, concealment, violation of trust, and bait and switch.”  

Fraud for profit: Those who commit this type of mortgage fraud are often industry insiders using their specialized knowledge or authority to commit or facilitate the fraud. Current investigations and widespread reporting indicate a high percentage of mortgage fraud involves collusion by industry insiders, such as bank officers, appraisers, mortgage brokers, attorneys, loan originators, and other professionals engaged in the industry.

Fraud for profit aims not to secure housing, but rather to misuse the mortgage lending process to steal cash and equity from lenders or homeowners.

The FBI prioritizes fraud for profit cases.

To file a complaint with the FBI, select from the three choices available. It’s confusing because IC stands for Internet Crime, but it doesn’t have to be about internet crime. That’s just the name of the portal. You can file a complaint on behalf of someone else. At the end of the form it will ask if you are filing on someone else’s behalf.

Some of the information that the online form asks for is not necessary – fields like routing numbers, bank addresses. Don’t worry about having all that information. They are not required fields. Victim bank is the bank from where you made payments or the credit card company. Subject bank is where you send your payments.

If you receive additional information after filing an original complaint, there is a handy box to check that asks, “Is this an update to a prior report?” Start the complaint over, but check that box to add the new information.

Step #2 File an oral FBI report 24/7

You can also file orally by contacting an FBI field office. Contact the field office where you signed a contract. Members have reported some agents have spent one or two hours on the phone with them. One member met with her FBI agent!

When you call the field office, select “Submit a Tip” then wait for the white-collar crime prompt. One person ended up in the wrong pew of the right church told they had to have lost a million dollars or more to file a complaint. That’s not true.

Members report the FBI has been responsive, but the FBI agent needs to be convinced getting a lawyer will do nothing to stop the problem of timeshare fraud for profit. Timeshare companies have armies of lawyers and they can drag a proceeding on forever until the member is broke. It is an understatement to say timeshare attorneys don’t look favourably on the arbitration process.

In Florida call the Tampa Field Office

Whether filing at or orally, you can provide the name and phone number of other victims, especially if you are aware of similar complaints. That way the FBI can look up other reports directed against the same repeat offender sales agent.

Sheila Brust’s article, “Just the Facts, Ma’am” is about her experience reaching out to the FBI. Sheilah worked for New York Governor’s Office of Employee Relations. The FBI advised Sheila to file with the Secret Service because her allegation also involved credit card fraud.                                                       

Don’t expect to hear back from the FBI. They don’t work like that. That doesn’t mean they are not listening. It takes volumes of complaints and a pattern of complaints to launch any investigation, whether with the FBI or with an Attorney General.

Filing your own complaint requires dedication and perseverance. Resolutions can be accomplished, empowered with information the member needs to take matters into their own hands. Thinking beyond their own dilemma, members can become one of our volunteer Supporters to help others.

Our Complaint Instructions were revised by a millennial timeshare buyer who followed our complaint instructions to resolve her dispute.

How to File a Complaint revised January 25, 2019

Timeshare member complaints tend to start out convoluted and confusing. We suggest having a friend or neighbor, not familiar with timeshare, read your complaint to see if it makes sense. Provide examples. Expect to be denied. Read the reason for dismissal and respond with a rebuttal.

Saying things like “I can’t afford this” is useless. You can’t go to your home mortgage lender and say “I can’t afford my home mortgage” and expect them to take your house back. You signed a legally binding contract. If there was no deception, you are bound by the contract, although it’s possible to request a contract cancellation due to medical or financial hardship.

We refer to a lawyer about one in ten times when all else fails, or the member does not have the time or energy to follow our process, which is admittedly timeshare consuming. A list of reputable law firms is provided upon request.   

#3 File with the Federal Trade Commission

The FTC online form has a “Timeshare Sales” option. It’s not easy to find. Instructions are in this article. Don’t be discouraged by receiving only a “Here’s some timeshare tips!” response.

Extra Talking Points

You must inform the FBI agent why you experienced unfair and deceptive sales practices. The agent you speak with may know nothing about timeshare basics. Explain the contract is perpetual, there is no secondary market, and when members complain, the company often hides behind the oral representation clause.

Your mission is to convince the FBI that this is not about only a few complaints. This article “Timeshare Foreclosure Explained to Lenders” lists just a few of the Attorneys General investigations and lawsuits, and the St. Louis Better Business Bureau report tells consumers what to watch out for:

Timeshare Foreclosure Explained to Lenders

St. Louis BBB report

Why doesn’t the government do something about this?

  1. There is no federal enforcement,
  2. Timeshare Attorney General Investigations and settlements are usually mere financial speed bumps, comparable to fining an NFL player $10,000. One exception is The Manhattan Club settlement.
  3. When a member complains, they are shown their initials on the fine print,
  4. Retaining an attorney will not stop unfair and deceptive business practices,
  5. Litigation is time-consuming and expensive,
  6. Arbitration is widely known to be pro-industry. If you lose you can end up paying the resort’s arbitration fees. The resort hires the arbitrators.
  7. The CFPB has been rendered ineffective. Even in the CFPB heyday members could not file a complaint because the borrower often doesn’t even know the name of their lender. You had to select a financial institution from the dropdown menu and timeshare companies are not a choice.
  8. Some lawmakers may be influenced by lobby dollars, as reported by The Daily Courier.
  9. Some state AGs turn a blind eye. At a Florida legislative workshop in Tallahassee March 12 of this year, the spokesperson for the Florida AG reported their office received 1,600 annual timeshare complaints in 2017 and 2018, mostly about the initial sales presentation, 50% seniors, of which the AG engaged only 42 of the complaints, mostly about resales. This spells no enforcement. The Nevada Real Estate Division responded to all our readers with a “You have no proof letter.”
  10. Timeshare members give the ARDA ROC Political Action Committee approximately $5 million dollars annually, often “Opt-Out” donations. We have heard from over 800 timeshare members. Not one could tell us what ARDA ROC even stands for. ARDA ROC vigorously opposed recent proposed pro-consumer changes in Arizona.  

Let us know if you are active duty military, law enforcement, a government worker or a veteran, as we are supported by WhistleBlowers of America. They added timeshare fraud to their March 14, 2018 report before the Committees on Veterans’ Affairs (the Consumer Financial Protection Bureau has since been all but dismantled and we changed our name from TS Advocacy to Timeshare Accountability Group):

United in Speaking Truth to Power @whistleP2P

601 Pennsylvania Ave, South Tower, Suite 900 Washington, DC 20004

Statement of

Ms. Jacqueline Garrick, LCSW-C

Executive Director

Whistleblowers of America

Before the

Committees on Veterans’ Affairs

U.S. Senate

U.S. House of Representatives

March 14, 2018

House and Senate Committee Members:

Whistleblowers of America (WoA) was incorporated in 2017, as a newly focused nonprofit service organization providing peer support to whistleblowers, so we are honored to be able to share our concerns with you today. The majority of our contacts are with Department of Veterans Affairs (VA) employees or veterans who have identified waste, fraud, and abuse, medical errors, denials of care or benefits, discrimination, harassment or bullying.  For doing so, they have suffered reprisal and retaliation. From the report:

Fraud and Scams Against Veterans:

Although WoA recognizes that it is not inherent within the VA mission to protect veterans from fraud and scams that could cost them their benefits, it suggests that it could be assistive in educating veterans against these unscrupulous tactics. For example, WoA has had multiple complaints from veterans related to timeshare deceit and bait and switch tactics, which are defined by the FBI as fraud for profit.  Often elderly veterans are mentioned as being targeted by the Timeshare Advocacy Group, TM which fights for active duty and retired military who fear losing their security clearance, career, homes or other assets.  Foreclosures and financial distress because of these misrepresented investments are happening every day to elderly disabled veterans and their families. In the past, VA has cooperated with the Consumer Financial Protection Bureau (CFPB) over mortgage and other loan scams that caused financial hardships for veterans.  Home loans and timeshare loans are identical as both are reported as foreclosures. WoA asks that Congress consider a role for the VBA Employment and Economic Initiative (EEI) could play in cooperation with CFPB to educate and protect veterans from unscrupulous financial predators and fraudulent practices.

Consider a donation to Whistleblowers of America if you have been helped by Timeshare Accountability Group™

It’s remarkable that a timeshare member must go through this many stressful hoops concerning a product that was sold to be stress reducing. If you have skills that could help others, consider becoming a Supporter. Contact TAG.

Related articles:

3Rs or F of Timeshare

The Timeshare Tax Trap, February 26, 2019

Arizona HB 2639, March 1, 2019

Arizona HB 2639, March 5, 2019

Florida HB 435, March 15, 2019

Florida HB 435, March 19, 2019

Nevada SB, March 22, 2019

Arbitration October 24 2017

Member self-help groups

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

Thank you Irene, this information should prove a great help to many of our readers, it is just a shame that we have to resort to this type of action. One day the industry may just realise that it is through their own greed that they are on the receiving end of so many complaints.

Once again the weekend is upon us, whatever you are doing and wherever you are, have a great weekend and join us next week for news and information on the murky world of timeshare.

Mid Week Roundup

Over the past few weeks Inside Timeshare has been highlighting the growing rise in EZE Group customers being contacted with stories of companies being “appointed” or “retained” by the courts to help them get their money back.

Well, it hasn’t stopped, Inside Timeshare is still receiving many enquiries from concerned coustomers who have been contacted. Today we published the company names and adresses along with some of the names that have been supplied from our readers.

First we begin with Money Advice Limited, this company is newly registered at Company House, being incorporated only on 30 January 2019, so it is not even 2 months old. Company Registration Number 11796746 with the registered address:

10 Adamson House, Towers Business Park, Didsbury, Manchester, United Kingdom, M20 2YY

Telephone number 061 505 0398

Names of callers supplied are: Mark Spalding, Thomas Jones and Irene Golding.

Again the story is the same, they have been “appointed or retained” by the High Court in Madrid and can get back the money, but a processing fee of £725 is required. One reader was also told that they had to travel to Tenerife and get a “Spanish Tax Number” which would cost £1595.

The next one is Claims Assistance Bureau Limited, Company registration Number 06832938

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

Tel: 02920099129

This particular company has also gone one step further, they highjacked a genuine company name to give themselves credibility, Claims Advice Bureau (UK) Ltd, with the Company Registration Number 05518043 and the registered address:

128-130 Whitworth Road, Rochdale, OL12 0JJ

This company was informed and have reported this to the authorities.

The next one on our list is Egerton Advisory Limited, Company Number 10286171 and the registered address:

Eighth Floor 6 New Street Square, New Fetter Lane, London, United Kingdom, EC4A 3AQ

With an alternative location address registered as:

Q3 The Square Randalls Way, Leatherhead, Surrey, KT22 7TW

Telephone number 0203 745 2315

The directors are named as: Victoria Noland Carter Egerton and William Luke Le Beward Egerton, both registered the New Street Square address. With the caller being named as Sarah Elliot.

One reader was emailed by Sarah Elliot within an hour of speaking with Mark Spalding of Money Advice Ltd, in her email she reiterated what Mark Spalding had told our reader, although she did refer to him as Mr Smith.

So it is obvious these are all working together, either they are ex-employees of Eze Group or have purchased the data from an employee.

The courts do not “appoint or retain” private companies, plus the trial against Dominic O’Reilly and Stephanie O’Reilly was at Birmingham Crown Court and nothing to do with the High Court in Madrid.

If you are contacted by any company with a similar story, then it is going to be a scam, use our contact page and let Inside Timeshare know, that way we can warn others.

Staying with the courts, Canarian Legal Alliance has this week 25 cases being heard in various courts around Spain, that is an incredible 5 per day.

We have also just received the news that so far this week they have received an astounding 14 sentences, full details have yet to be released but we have been told of these three:

Court of First Instance, Maspalomas, Anfi have been ordered to return over 5,775€ plus the contract has been declared null and void.

At the same court Anfi once again has been ordered to repay over 117,000€ plus double the deposit and the contract being declared null and void.

The same Court of First Instance has also ruled that Anfi repay over 7,000€ plus double the deposit and another contract declared null and void.

Again the truth is the timeshare companies are losing despite what they and the industry report, consumers now have the backing of the law and the courts. If you have been sold a timeshare in Spain after 5 January 1999, it is for a period greater than 50 years or known as perpetuity, you have floating weeks, points or fractional and you also paid any money within the cooling off period and you would like to know if you have a valid and viable claim then contact Inside Timeshare and we will point you in the right direction.

Thursday Update

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Adrián Diaz-Saavedra Morales

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