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Hollywood Mirage

Exclusive Breaking News: The Truth Behind Silverpoint Exposed (Part Two)

Club Paradiso and Beverly Hills Club

Welcome to Inside Timeshare and the start of another week with Part Two of Silverpoint Exposed. In the last episode, we gave the background to the start of the Trotta Empire and introduced some of the main characters. Today we continue the story of an intricate web of companies the swift movement of funds and once again a Hollywood style family feud over the inheritance of the Trotta millions.

Kwang Sim was a master in subterfuge, he had set up such a complex network of companies and money trafficking routes a very detailed road map would be required to even get close to following it. Kwang himself continued with his own life happily giving his sermons to his Mormon congregation and ensuring his children went on the mandatory missions, all while carefully and deliberately planning to avoid Taxes at all costs.

With great care, he set up a structure using local law firms and employing local managers who had no actual control of the finances or of any financial activity. For Kwang, this would mean extensive travelling with monthly visits to Spain and then Asia where he was running the finance departments with an iron fist. He was, in essence, Bob Trotta’s “financial enforcer” making sure the funds were moved around the group of companies and ultimately ending up near a palm tree very close to a white sandy beach.

The Trust which is “owned” by a bank with Bob Trotta being the beneficiary used the bank which as recent strong evidence has shown, actively and willingly participated in assisting Kwang and Trotta in this complex web of lies and tax avoidance. It was Kwang who was the mastermind, but they were all complicit and knew exactly what was going on. All was running very smoothly until Bob’s death and the will would be read to the children and his wife Ragni.


Jennifer Trotta Campbell

Once again just like a scene from a Hollywood movie, the children, Jennifer Trotta Campbell, Erin Trotta Westfall gathered along with Douglas Campbell and Ragni Trotta at the plush Mayfair offices of Bob’s Lawyers. They were now going to hear about the 300 million they were about to inherit.


Erin Trotta Westfall

Listening to the legal advisors, they, the Trust and executors learned that Bob and Kwang had mismanaged the company funds and taking some very risky decisions prior to his death. This now puts the group of companies in a very precarious position.


Douglas Campbell

It also transpires at this meeting that Ragni learned she had been written out of the will, receiving only 10% of the estate! She was obviously furious. Although no one knows the details of the marriage from the outside it all seemed very rosy.

It has been rumoured by insiders that the marriage was in trouble, with a persistent rumour had for years been having a secret affair with her hunky Jamaican personal trainer. Just like something out of the hit TV show “Housewives of New York”, Ragni seems to have enjoyed a life of privilege with her wealthy older husband, while also enjoying some of the side benefits with her younger hunk. Sources have told us that Bob found out but did not want to be embarrassed publicly but would wait until he died to get his revenge. This has obviously caused huge rifts between her and the children.

Ragni Trotta

The unequal division of the spoils created a massive rift between the family and the trusted sidekick Kwang who was tasked with trying to keep the family together. Just like another TV show “The Sopranos”, the family looked to the deputy Kwang, to steady the ship, he then set about trying to organise the complex web which he had established.

This was not an easy task, even for Kwang, when you consider he had set up around 200 offshore companies in Panama and the British Virgin Islands. Panama and the BVI are considered fiscal paradises in Spain and the recent “Panama Papers” have only added to the challenges of keeping this structure going. To achieve the company’s goal of low taxes the local directors were not allowed any control of the bank accounts with only the London team of Kwang Sim and his later sidekicks of Ketan Patel and Colm Hayden were permitted to move any money.

Part Three will be published on Thursday 13 June.

Over the weekend Inside Timeshare has received further news on the problems of Club Paradiso members. As we explained on Friday, these members are being denied access to the Paramount – Club Paradiso. In another twist, we have since learned that although they are being moved to other resorts such as Hollywood Mirage and Beverly Hills Heights, they are being made to pay for the accommodation.

One client that has been in touch was told if he did not pay 900€ he would not be able to stay, this appears to be happening to others as well. It would seem that the paramount is only being closed to members of Club Paradiso.

The following is an extract from an email received by another of our readers when trying to book their own stay: “Unfortunately, as our inventory is under re-negotiations we unable to provide availability and confirm any new reservations at this time. We kindly advise that you contact us at the beginning of July when hopefully this has been resolved. We are sorry that we cannot be of more assistance at this time and apologise for any inconvenience”.

This does look like an escalation in the arguments between Excel and Silverpoint with the members being the one caught in the firing line.

Have you purchased any product from Silverpoint and want to know what your legal position is?

Then use our contact page and we will get back to you with the best information possible.

Friday’s Letter from America

Welcome to this week’s Letter from America, today’s article by Irene Parker explores the Whistleblowers of America Code of Ethics. A Code of Ethics is meant to be lived by. In timeshare, a Code of Ethics has been something to write and post on your website, but never seem to be followed. It doesn’t help that 200 or so of our readers who have reported violations in ARDA‘s Code of Ethics have been dismissed by the very executives that sit on their board. We take our hats are off to Whistleblowers of America for taking a Code of Ethics seriously. But then Whistleblowers are not in it for the money.

Hollywood Mirage Club

Inside Timeshare has been asked by an independent member of the committee at Hollywood Mirage Club for members to make contact with him as soon as possible. He and one other will be standing for election to the full committee at the AGM at the end of June. The unfortunate thing is that they have been told that there is “no mechanism” for them to contact other members with the Secretary stating he will not allow it under the GDPR (The EU General Data Protection Regulation). A move obviously designed to control the voting, but Article 47 of the GDPR “fully considers the right of members of groups (clubs) to communicate with each other”.

To make contact directly with this member who is standing please use our contact page and we will send you his contact details privately. It is in your interest to get together and have your say.

Now for Irene’s article.

Whistleblowers of America Code of Ethics

As Applied to Timeshare Support Mentors

Information about the 8th Annual WhistleBlower Summit and Film Festival to be held in Washington D.C. July 28 – August 1:

http://whistleblowersummit.com/

By Irene Parker

Friday, June 7

A Whistleblower is normally a person associated with a corporation or government agency that blows the whistle on wrongdoing as it pertains to waste, fraud and abuse, medical errors and wrongful death. You would not think an old lady crying from the rooftops of Florida about vacation plans would qualify, yet the harm done to veterans and active duty service members on the receiving end of a fraudulent timeshare sale has financially, emotionally, and physically, harmed many. Of the 841 families who have reached out to us, 106 are veterans and active duty.

We are asking for your signature on this petition for reform. You don’t have to be a timeshare member to sign.

https://www.change.org/p/state-legislators-in-arizona-florida-and-nevada-demand-reform-of-the-timeshare-industry-s-unfair-and-deceptive-practices

A grown daughter contacted me on behalf of her Bronze Star recipient father. She could not answer all my questions about the timeshare, so I told her to ask her father about it. He had a heart attack when they were discussing it, and at the ER, the doctor noted he had a heart attack two years prior when asked about his timeshare. Her parents are the kind of people who saved up and paid cash for cars, He and his wife had been upsold to the point he had to take out a reverse mortgage because he could not afford the timeshare loan payments. He said every time he walked in the front door, he felt like he was losing his home. A Navy veteran declared bankruptcy. He had been upsold to $2,700 a month in timeshare loan payments, living on his letter carrier’s pension, charging to a number of credit cards before his grown daughter found out.

Whistleblowers of America’s Code of Ethics spoke to me. I thought to myself, “Guilty as charged!” as I read through them.

It’s not easy to live in a state of constant anger, moved by the voices of those desperate and deceived. The only thing that keeps me going is hearing the voice turn from a desperate voice to an empowered voice.

From the Whistleblowers of America Code of Ethics:

  • Counter-balancing dysfunction responses to wrongdoing with informed advocacy and resilience, skill building is the cornerstone of interactions,
  • Understand legal processes and procedures, a guide in problem solving and decision making to overcome toxic tactics.

I employ skills I learned at CASA (Court Appointed Special Advocate) writing court reports for Family Court judges and interested parties to make a determination as to the best outcome for a child in state care.

I learned an important lesson from my husband Don, a pharmaceutical researcher. The first thing a pharmaceutical company will do if they don’t like a lab’s answers, that would allow the launch of a billion dollar a year drug, is to blame the lab. Don told me to fight with data, not words.

A mentor needs to know their boundaries.

I don’t know if I speak for all whistleblowers, but I think there is a tendency to become over-involved, breaking through necessary boundaries. I will share an example of how I overstepped mine, but in the heat of the battle, we bend rules.

A Harvard graduate and fellow Rotarian turned out to be a brute holding a Korean lady hostage. Thankfully, another fellow Rotarian was our chief of police. He helped me rescue the mom and their toddler. Major Ganot of the Salvation Army was also in my Rotary Club. She could be a Major in anyone’s army after spending a couple decades in Haiti.

Mom and child stayed with us before we returned them both back to Korea. Mom had been a manager of Duty Free shops in Korea before coming to America. Her parents were math teachers at a university. The first night at our house I heard the child screaming. I went to ask mom what the child wanted. Mom replied, “Irene,” the child grabbed my neck and clung. Dad also had child porn on his computer. The police chief found THC in the refrigerator which mom said he used to put on his pancakes. He had DTs and once dropped the child at a Rotary function.

The advice Major Ganot gave to me is the advice all mentees and mentors should heed. “You are less effective if you become part of the storm.” Doctors call this intellectualization, in that if they went into a tailspin every time they lost a patient, they would lose effectiveness. This doesn’t mean the doctor doesn’t care. It means he or she must put their role is perspective.    

In psychology, intellectualization is a defense mechanism by which reasoning is used to block confrontation with an unconscious conflict and its associated emotional stress – where thinking is used to avoid feeling.[1] It involves removing one’s self, emotionally, from a stressful event.

https://en.wikipedia.org/wiki/Intellectualization

Whistleblowers of America Code: Ethical Standard #2

Shared Experience Rapport

I appreciate more than ever the fidelity of “Semper fi” that exists among those battling a common enemy. Lifelong friendships have blossomed and grown. Once a timeshare dispute has been resolved, we encourage the person made whole, or as whole as possible, join our efforts to respond to others.

The moto of Whistleblowers of America is Speak Truth to Power. I would like to add to that the headline this reporter used in his investigative report about ALEC, a powerful lobby. The television reporter led with “Holding the powerful accountable” and I see “Holding the powerful accountable” as the next step after speaking truth to power.

Ethical Standard #5 Non-judgement A mentor needs to be reflective and inquisitive, but not judgmental. A mentor does not adjudicate. They facilitate problem solving rather than solve the problem.

An obstacle to resolving any dispute is getting your opponent to listen, as opposed to just hearing what the other person is attempting to communicate. Callous customer service representatives “hear” the complainant and respond, “You signed a contract.”

They don’t listen. Leadership coach Stephen R. Covey said it best:

11. Most people do not listen with the intent to understand; they listen with the intent to reply.”

https://www.inc.com/dave-kerpen/15-quotes-to-inspire-you-to-become-a-better-listener.html

My collaborator Michael Santos at Straight-A Guide, teaches how self-advocacy can overcome struggle. The outcome may not be what you expected. It may not be the outcome you wanted, but staying the course with determination, and making the most of available resources, is part and parcel of advocacy and self-advocacy. A Whistleblower needs both as they must advocate for their cause, and they must advocate for themselves.

Ethical Standard #11Self-care

The words “disengage when necessary” hit me like a dagger. I hear from one to five infuriated timeshare members a day, seven days a week. The unhappy emails outweigh the “we did it!” emails. Resiliency is a word often mentioned in whistleblowing. Hurtful potshots from our opponents can weigh us down or sharpen our sword. Author Carlos Castaneda, a student of Yaqui Indian Don Juan, described them as petty tyrants.

I have a friend in Sedona by the name of Pete Sanders, a Navy veteran. A technic I learned from Pete, during one of his Free Soul sessions, taught me how to find my brain’s Limbic Center and Joy Center. As I understood Pete’s lecture, you can shift your negative thoughts by employing Pete’s techniques.

The limbic center is somewhere behind the eyes and between the ears. It’s kind of a negative thought center. Think about a time you were so angry that you were acting out in front of your spouse and kids. All of a sudden the doorbell rings and you snap into normalcy. According to Pete, you have shifted negative thoughts from your Limbic Center, to somewhere in the frontal lobe of the cerebral cortex, the Joy Center, a compartment that holds positive thoughts. I took a class in head and neck anatomy and two semesters of A & P, but I’m getting out of my depth.  But trust me; even if I have botched the explanation, it works. I swear that I can feel the “half empty/half full” feeling before and after shifting the same thought.

Pete Sanders of Free Soul

Pete Sanders is an honors graduate of Massachusetts Institute of Technology with principle studies in BioMedical Chemistry and Brain Science. Accepted to Harvard Medical School, he chose instead to pursue independent mind/body potentials research. That quest led to a revolutionary discovery: how to directly stimulate the brain’s natural mood-elevation mechanisms.

This technique provides a natural alternative to using alcohol, nicotine, drugs, or overeating for coping with life’s challenges. It gives you a method to enhance your feeling of well-being without being dependent on achievement or relationship success.

I look forward to this year’s Whistleblower Summit. I didn’t attend the Whistleblower Summit last year because I thought I was a whistleblower. I attended on behalf of the veterans and active duty service members harmed by timeshare. An active duty service member can lose his security clearance and his career over a mortgage foreclosure, so don’t think timeshare is a silly topic. One Marine lost his air unit command over a timeshare loan foreclosure.

There are laws protecting traditional whistleblowers, but not individuals. I’m alone. But an individual is alone only if they don’t reach out to other whistleblowers for help and support. Rosa Parks was one person who committed a courageous and dangerous act. She sat in the front of the bus. It was a small act, but possibly inspired by the actions and words of Dr. Martin Luther King, Jr. Dr. King was not so naïve as to think he was going to resolve racial divide once and for all. He knew this problem would not likely be solved in his lifetime. That did not deter his efforts.

One financial journalist called me a gadfly. “You’re nothing but a gadfly to this timeshare company,” he sneered. I looked up the definition.  

The original definition was an insect that stings cattle. Somewhere around the Middle Ages, in England, the meaning of gadfly morphed into “an annoying person who spurs others to action.”

I’m okay with being a gadfly. When I told my Free Soul Florida mate, attorney Mike Finn, that the journalist called me a gadfly, Mr Finn suggested an adjective, “How about the Green Gadfly?” “Like the Green Hornet?” I responded.

A few weeks ago I had the opportunity to explain to the attorneys who deposed me for six hours why Mr. Finn calls me gg. The deposition serves as an example of retaliation. I enjoyed explaining to my interrogator lawyer why I am called gg. Gallows Humor, or Humour, as my British collaborator would spell, should be included as a defense mechanism to Ethical Sandard  #11 Self-care . Humor really can be our best medicine.

Thank you to Whistleblowers of America for your support because this is not easy. My twilight years are anything but relaxing.       

https://whistleblowersofamerica.org/

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

Excerpt from 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.

Thank you, Irene, for all your hard work in getting these articles ready, along with all the work you do helping those with problems, you are a thorn in the side of the timeshare industry, as well as a Green Gadfly, but you are our thorn and our Green Gadfly!

Paramount – Club Paradiso Tenerife

Information has been received by Inside Timeshare that the resort known as Paramount – Club Paradiso has closed. Those with bookings have been refused entry on arrival and moved to other resorts such as Hollywood Mirage and Beverly Hills Heights.

The telephone is on constant voicemail and the website is no longer working

Telephone: +34 922 787 650

https://www.clubparadiso.com

If you have purchased any product such as standard timeshare, investment packs, company participations or Keys Concierge use our contact page and get in touch. Inside Timeshare will explain your options and point you in the right direction.

That is all for this week, join us again on Monday for Part Two of Exclusive Breaking News: The Truth Behind Silverpoint Exposed.

Have a great weekend.

Wise old dog

Friday’s Letter from America

Welcome to this week’s Letter from America, today we highlight two families who have been up-sold by Diamond, Gad and Noreen Liebmann who are staging a protest outside Diamond’s Daytona Beach Resort and Sheilah and Thomas Brust. These stories are another in the series of  “A Nightmare on Timeshare Street”, but first a quick roundup from Europe.

It has been reported that yet another “Relinquishment and Claims” company is in liquidation, Standon Mortimer Associates. This company is one in a long line that informed clients that they could lodge a “no win no fee” claim against their timeshare, the only thing was to do this they had to “relinquish” their membership first. Obviously this was a great cost.

Once the membership was canceled then they would put in a claim, usually under section 75, which as we have said before is not likely to pay out. The whole scam was to get your money for the cancellation, which in many cases was never actually done.

If you have paid this company to carry out any work regarding your timeshare and it has not been done, contact the liquidators below:

Name of Company: STANDON MORTIMER ASSOCIATES LTD

Company Number: 10437622

Nature of Business: Timeshare Relinquishment

Type of Liquidation: Creditors’ Voluntary Liquidation

Registered office: C/o Kingsland Business Recovery, 14 Derby Road, Stapleford, Nottingham, NG9 7AA

Liquidator’s name and address: Tauseef Ahmed Rashid, Kingsland Business Recovery 14 Derby Road, Stapleford, Nottingham NG9 7AA

Office Holder Number: 9718.

Date of Appointment: 18 April 2018

By whom Appointed: Creditors

Further information on Silverpoint or is it Signallia Marketing has just come in, apparently a representative from Signallia is knocking on the doors of guests at Hollywood Mirage.

There are this week a couple more happy ex-timeshare owners, the first is an ex-Anfi member, who this week had over 53,000€ paid into his bank account after his recent court case where his contract was declared null and void.

This does fly in the face of the Anfi management denying that anyone is getting paid, according to Canarian Legal Alliance, Anfi have actually paid out 2 million euros.

In another case a German client who purchased his Anfi del Mar timeshare for 14,000€ had his contract declared null and void, with thcourt awarding him over 23,000€ plus legal interest. This is a result of Anfi taking a deposit within the cooling off period which is forbidden, so the court awarded double the amount taken.

Now on with our Friday letter.

A Report from Two Diamond Resort Platinum Members Up-Sold by the Same Daytona Sales Agent

Sheilah Brust warns: Keep The Pencil Pitch

Gad and Noreen Liebmann: Up-sold into financial disaster

There is no such thing as the “Ability to get (Double Usage)”

Page 2 of the Pencil Pitch is based on 15,000 points actually purchased instead of 25,000, so 65,000 points illustrated instead of the 75,000 first proposed

65,000 own                $8,631 current maintenance fees before 15,000

65,000 given                2,621 maintenance fees on the new 15,000

130,000 points            $11,252 Total maintenance fees with new 15,000

 50,000 if used            8,000 Less reimbursement check

 80,000 left                  $3,252 Maintenance fees still owed       

x $.10 reimbursed     EXCEPT THERE WAS NO 65,000 POINTS GIVEN!

$8,000

The CLARITY™ Promise handed out before sales presentations:

With this clear, concise and consistent information, consumers can easily determine whether the Diamond Resorts hospitality experience is the right decision for them and their families.

https://www.businesswire.com/news/home/20170123005839/en/Diamond-Resorts-Launches-New-National-Customer-Service

Diamond’s Response to Sheilah Brust:

On April 5, 2018, we received a call from a “hospitality” agent. She said our complaint had been escalated to the legal team and they found no wrongdoing. This is part of what she said to us.

I definitely agree that your confusion of that process is warranted. I have spoken to our legal team and sales team and we agree the double point explanation is definitely something that could have been misconstrued or seen as confusing by members or purchasers.

We have made changes to the way that information is given at the time of sale but we have to say the stance we take on this is: because there may have been some confusion on how you may use those points to create a savings for yourself doesn’t make the explanation illegal.

By Irene Parker

June 8, 2018

Gad and Noreen Liebmann were up-sold by the same Daytona Regency sales agent as Sheilah Brust. Gad and Noreen have been protesting outside the Daytona Regency by holding up signs an hour or two every day except Sunday for over three months. They will take a few months off to go up north, but plan to resume their protest in September.

In preparation for this article, I felt it was important to get a feel for what it was like to hold up a sign. As we walked to Daytona Regency from our cars, Gad and Noreen dropped off food for a homeless man. Gad told us, “One of the homeless was offered $20 to ‘get rid of them’ and on another day one of the salesmen brought some water and wanted to “thank us” for picketing. He claimed that our presence increased their sales. He also told us that we could have more effect by working as greeters at Walmart to help pay our dues.”  

My husband and I weren’t sure what to expect. We arrived about 11:00 AM, Friday June 1. We were greeted by the security guard. He could not have been nicer. He seems to serve as a sort of diplomatic liaison between Gad and Noreen and the staff at Daytona Regency. He patiently listened to me relate some of the more serious allegations timeshare members have reported to Inside Timeshare, 208 since January 1. He said he has not purchased Diamond points.          

Inside Timeshare has heard from a total of 32 Diamond Platinum members, alleging they were up-sold by deceitful sale tactics or are disappointed in their Platinum membership. Of the 32 Platinum members, 29 members reported they were told they would be able to sell points, or pay for maintenance fees, if they purchased more timeshare points; utilizing programs members say did not exist. Thirteen of the 32 Platinum members say they have resolved their dispute. Eleven were up-sold by the same Diamond sales agent.

Pictured from left: Noreen, Irene, Tyler and Don

The sign my husband Don is holding reads,

Diamond is not responsible for what our sales agents say.”

This was told to Diamond member Joshua Parker (no relation) by a Diamond VP on a call Diamond recorded. Josh says he was told points are an investment and would be easy to sell. When Josh and Nichole learned they were expecting twins and could no longer afford the timeshare, they learned there is virtually no secondary market for Diamond points. Josh is a 90% disabled Army veteran. He served in Iraqi. They are in the foreclosure process.

John Collick, a decorated 100% disabled Marine veteran, was told he needed to buy Diamond points because Diamond was acquiring his timeshare, The Colonies. This turned out not be true.

Josh and John were both told, Diamond is not responsible for what our sales agents say.” That would be okay, except Diamond hands out to consumers before a presentation their CLARITY™ promise, launched after Arizona Attorney General Mark Brnovich issued the company an Assurance of Discontinuance.

Amanda and George Jones are both active duty Navy. They recently received their foreclosure letter. Both fear losing their Security Clearance. They say they were told by Diamond sales agents in Virginia and Florida their 18% loan would be easy to refinance, “Just Google it.” http://insidetimeshare.com/tuesday-slot-irene-3/

Today, June 6, 2018, another Navy couple contacted Inside Timeshare. They too could lose their security clearance as they are Navy logistics.   

Sheilah and Thomas Brust’s “Double Point Promise” complaint

Sheilah says she and her husband Thomas were promised double point usage if they upgraded by buying 15,000 additional points. Already Platinum members with 50,000 points, they had enough points to meet their travel needs.

Sheilah and Thomas met with Brad Leslie on February 4, 2017.  Mr. Leslie said there were big updates due to Apollo changes. Brad said he had just learned about the double points program in Orlando while in training. Another Florida DRI sales agent pitched a double points program to a Navy veteran. Her complaint has been resolved:

We were hosted by the Diamond Resorts East Coast Sales Team from Mystic Dunes. They said we had been invited to the workshop as a way to thank us for having been Platinum members for over five years. Mystic Dunes sales agent A M explained details of a program only available to five plus year Platinum members. A M said if I purchased an additional 25,000 DRI points, I could take advantage of a special offer and never have to pay maintenance fees. He illustrated on paper how the program worked.   

57,500 points I owned prior to the workshop

25,000

82,500 x 2 (double points) = 165,000

Back to Sheilah’s “Pencil Pitch”

Brad Leslie said that over ten years our maintenance fees would be $86,310. According to Brad, we would have 65,000 points after buying 15,000 more points but DRI would give us 65,000 more – so we would have effectively 130,000 annual points. Of the 65,000 original points, we would use 50,000 and the purchase of an additional 15,000 points would allow us the extra bonus 65,000 points. Brad said we would receive via check or reloadable debit card $8,000 from the redemption of 80,000 points at $.10 through a travel reimbursement program that could be used to pay maintenance fees. If we redeemed 80,000 from the 130,000, we would be left with 50,000 points to travel.     

I asked Brad why this program was developed. He said Diamond wanted to make sure we STAYED VACATIONED. Now it seems more likely he wanted to drive us into foreclosure to be able to start over with his next victim.  

As a result of this up-sell, we have less time to travel because we have to work to pay for the additional points that increased maintenance fees to $11,252. We also have a loan with Diamond for $31,000 and the $26,000 Barclay card charges.

Brad charged on two Barclay cards $14,000 in my name and $12,000 in Thomas’ name. After he opened the cards, Brad said,Barclays loves you! You got $26,000 credit!” I was livid after I learned what happened as we were unaware the amounts had been charged. We could have used a different credit card that would have gotten us rewards points.

We saw Brad again in May 2017. Brad said the program had changed. Brad told us in February we would be sent a debit card that would be reloadable for the maintenance fee reimbursement program. Brad informed us in May that DRI was getting rid of the debit cards because there were problems. Brad had said the double points (65,000) would appear on a split screen on our dashboard. He said DRI was still working on the split screen. This program only made sense if we received the additional 65,000 points. I wrote down everything Brad said. I have an accounting background.   

This whole deal was based on having 130,000 points using points at $.10 a point for a Travel Advantage reimbursement service, but this was of very poor value and only made sense because of the extra bonus 65000 points. You can book a lot of vacations with 54,259 points that would vastly exceed a measly reimbursement check for $5,425.90.

Brad assured us he would be here for us and hoped he could restore our trust in Diamond. We had explained how we had been duped into buying 4000 more points in California so our heirs would not be saddled with Diamond points.

Diamond has refused to help Sheilah, but she is encouraged by a call from her Florida Timeshare Division reviewer supporting her claim.

Gad and Noreen’s debacle

Gad and Noreen own 96,000 Diamond points, only because they bought an additional 25,000 points to take advantage of benefits they now know they already had. Gad and Noreen are both Army veterans. Noreen served as an Army officer in the nursing corps. Gad, also an Army veteran, worked for IBM and VISA, at times stationed overseas. The Liebmanns have nine children, not counting children they fostered. According to Gad,  

For over 20 years we enjoyed using our Diamond points. We had purchased eight Diamond contracts over the years and had been happy until Daytona sales agent Brad Leslie sold us 25,000 points November 22, 2017, we allege by fraud.  Brad told us that if we purchased 25,000 additional points for $70,000 we would get additional benefits. He showed us how using these benefits, we might not have to pay more maintenance fees if we used the same amount of vacation time. What Brad Leslie neglected to tell us was that we were already eligible for these benefits. He knew this. He also claimed that we could recover the cost of the additional points after 10 years. This was also false. Brad said that we would be even on the $70,000 within ten years if we only booked through Value Getaways.

A call to Diamond CEO Michael Flaskey got a response from a lady who offered to allow us to give back some of our points, lowering the dues but not eliminating the latest purchase.  In other words, give back points we already paid for, requiring us to pay the company $70,000 after being sold points to take advantage of a program we already had. We may be older, but we’re not stupid.

We have used all of our 2018 points for redemption reimbursement and with the over $700 monthly mortgage payments, we can no longer use Diamond points for vacations. Since we can’t afford to travel because of this debacle, we thought we should warn others by holding up our signs. I feel America is in a moral crisis when CEOs feel no concern when people complain directly to them of questionable business practices. My heart is heavy since the DRI salesman Brad Leslie professed to be a Christian, as I am.

Gad and Noreen protesting outside Daytona Regency

Thank you to Gad and Noreen and Sheilah and Thomas for joining our advocacy efforts. I reached out to Diamond for comment, but they did not respond. We were hoping they could explain Sheilah’s pencil pitch.  

Many timeshare members feel there is little to no timeshare enforcement in Florida. According to several members, Florida dismisses complaints, backing up the developer by also falling back on the oral representation clause. Florida receives about $70 billion a year in tourist revenue.

From the Florida Attorney General’s Timeshare Division DBPR

Timeshare developers are required to provide full and meaningful disclosures to purchasers in the documents they are required to deliver to them including the public offering statement, sales contract, and all supplemental documents at the point of sale.  A document called “Acknowledgment of Representations” or “Purchaser’s Understanding” or a similar document provides the disclosures which each purchaser initials and signs at the time of purchase and it contains all the relevant information about the timeshare product.  A developer heavily relies on these documents to refute any claims by a purchaser regarding the alleged misrepresentations. Therefore, in light of these written documents, it is very difficult to prove the allegations raised in the complaint.  

From the Arizona Attorney General’s Assurance of Discontinuance:

IV Assurances

“Diamond shall enhance its programs, policies and training and continue to instruct and train its Vacation Counselors and Sales Managers to comply with the ACFA (Arizona Consumer Fraud Act). Diamond shall advise all Vacation Counselors and Sales Managers that they may not:

  1. Sales agents should not deviate from sales material
  2. Sales agents should not make oral representations at the point of sale inconsistent with the Purchase document.

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

Contact Inside Timeshare or one of these self-help groups if you need help.

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

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

https://tug2.com/Home.aspx

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

https://www.facebook.com/groups/465692163568779/

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

That’s it for this week, Friday is here and the weekend is about to start, join us next week for more readers stories and their experiences in the world that we call “A Nightmare on Timeshare Street”.

We will also be publishing more information on those companies that keep springing up promising the earth and delivering nothing, so remember if you are called and are not sure if the company is genuine, do not do anything until you have done your homework, double check and check again.

If in doubt contact Inside Timeshare and we will show you where to look.

Have a great weekend.