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John Collick

The Tuesday Slot

Welcome to The Tuesday Slot, today we welcome another new contributor John Collick, who is seeking the Republican nomination for Congress. We begin with a short biography of John and his military career, then John explains his views on protecting not only military personnel but all consumers from unscrupulous timeshare sales agents.

Inside Timeshare also asks all our readers to sign this petition on change.org demanding reform of the timeshare industry. So far there have been 2,700 signatures and we are working to achieve 100,000 by next legislative sessions in 2021. Click on the link below and sign.

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

Why Military Families Need Greater Timeshare Disclosure

https://www.valoans.com/articles/va-loans-escape-clause/

By John Collick

July 2, 2019

https://www.collick4congress.com/?fbclid=IwAR2JoSF5-2j3HM7wgR_Y5LBab112dzCj8qyR6PmiZsUJDFE1Q9sL1eIl4sY

It’s Time for a Military Vet to Represent a Military Community

After a distinguished military career, John knows how to listen and act. As a timeshare owner himself, John understands the concerns of timeshare buyers that may have experienced unfair and deceptive timeshare sales practices. Inside Timeshare has heard from 112 veterans and active duty service members harmed by timeshare. Of particular concern are our active duty service members who can lose their security clearance over a timeshare foreclosure. Some companies target veterans, particularly disabled veterans, such as John. John would not meet George Bernard Shaw’s definition of a politician. Irene Parker, Inside Timeshare

“He knows nothing and thinks he knows everything. That points clearly to a political career.” George Bernard Shaw.

Suffolk resident John Collick is seeking the Republican nomination for Virginia’s 3rd Congressional District in the U.S. House of Representatives. Mr Collick served our nation for over 35 years combined – in the Marine Corps, as a contractor, and as a government employee. He served as an Intelligence Specialist during his entire adult life, working at all levels of the Intelligence Community.

As an Intelligence Specialist, he worked on high priority missions, including the International Port Security Program for the U.S. Coast Guard; the Syrian Refugee Vetting Process for the United States Citizenship and Immigration Services; and an Asymmetrical Threat Methodology for the United States Standing Joint Forces Headquarters, Homeland Security, in Norfolk. With extensive knowledge of the Middle East, he was recruited into the private sector to work on a Defense Intelligence Agency Contract as the HUMINT Issues Manager for Yemen. These projects are in addition to his Marine Corps career as a Signals Intelligence Collector, Linguist, and Analyst.

If elected, several of Mr Collick’s priorities for the families of Virginia’s 3rd Congressional District include:

  • Providing the Departments of Defense and Homeland Security with the resources necessary to protect the United States at home and our interests abroad.
  • Working with area educators, employers, and local leaders to reduce the unemployment rate in the 3rd Congressional District from 7%, according to the U.S. Census Bureau, to the national rate of 3.8%.
  • Ensuring the rights and freedoms identified in the Constitution can be enjoyed by all Americans, without abridgement by any state, local, or municipal government.
  • Enacting a school voucher program for children in underperforming schools and school districts, particularly in low-income and inner-city neighborhoods.
  • Propose term limits so that no legislator can serve more than six terms in the House of Representatives and two terms in the Senate.

Mr Collick will serve no more than 3 terms if elected.

Propose significant changes to the Timeshare Industry, including:

  1. A 24 hour “cooling off” period offered before signing a timeshare contract. Timeshare sales presentations can last six hours or more. The buyer is told they must buy the same day. A rescission period is the time a buyer has to rescind a contract after signing. The rescission period varies by state.
  2. If the signing of a timeshare contract is recorded, there needs to be a mandatory recording of the sales presentation, with copies provided to the customer. Sales agents often coach buyers on how to “pass” the closing session.
  3. Eliminate perpetual contracts – no person should be allowed, wittingly or unwittingly, to agree to a perpetual contract with no secondary market.
  4. Buyer to be provided with a single complete and understandable summary disclosure document and the reviewing of the document should be on the recording. Presentation of the Public Offering Statement should also be presented on the audio recording so that it is not buried in a stack of documents with the dismissal, “You can review these when you get home” or “No one reads this.” Despite initials acknowledging receipt and review, given the high pressure and long sales presentation, adequate time to review complex and lengthy documents is not provided. Buyers unknowingly initial that they have read and reviewed the POS when they have not. Most consumers don’t know of its existence until asked to look for it. 
  5. To alleviate buyers of timeshare paying more than those booking the same property at the same time online, units available for rent at timeshare properties should not be rented below 5% of the cost of the highest amount paid for timeshare ownership plus applicable maintenance fees. E.g. Week at Fun Times Timeshare cost $22,000 for 1 week of annual usage and maintenance fees are $1,000 per year, the cost per week is $1,100 + $1,000 for a total of $2,200 per week. This will encourage Timeshare Developers to ensure there are ample units available for members and an incentive to keep maintenance fees as low as possible. 

For more information about John Collick and the campaign, visit 

www.collick4congress.com

John Collick on Timeshare

The more I became involved with those who have purchased timeshares, the more I learned about veterans and active duty service members reporting unfair and deceptive sales practices. Given an active duty service member can lose their security clearance over a timeshare foreclosure, I agree this could present a threat to our national security. The bar to get hired to sell timeshare points is pretty low, and in a state like Virginia, which is home to many military personnel, those with ill intent could seek to jeopardize security clearances.  

If an American citizen, military or civilian, has a security clearance and they default on a loan, their clearance will normally be suspended and often revoked. The consequence can be loss of job, career, and even bankruptcy.  This could mean discharge from the military. 

Most of these folks are upstanding Americans who want to continue in their careers but are prime targets for an unscrupulous timeshare salesperson. If an active duty service member buys into a timeshare, they’ll do everything they can to prevent foreclosure. I expect there are many who have no idea what they can do to save their clearances and/or careers.

The advice I give, especially to military personnel, is to NOT purchase a timeshare on the day of a timeshare presentation. The price WILL NOT CHANGE. Do your research. Talk to other members, check with the Better Business Bureau, and have an attorney review the contract. Any honest businessman or woman would give you 24 hours to think about making a sizeable purchase, especially one accompanied by rising annual maintenance fees and no secondary market.

The lack of a secondary market is even more of a risk for active duty service members, due to the mobility of service life. Decisions can be made on a moment’s notice, making the disposition of timeshare even more cumbersome.

Let’s say that you’re interested in purchasing a timeshare. If the first thing you’re told is the company’s motto: “We will say whatever it takes to make a sale” and then you look up and see a poster illustrating the Timeshare Consumer Lifecycle stating, “From initial contact through debt collection $$,” would you stick around for the presentation or simply get up and walk away? Of course, you would walk away. Well, this Timeshare Consumer Lifecycle was presented during a timeshare industry conference in Las Vegas, Nevada last year.

We all know that salespeople may exaggerate, but in general, consumers depend on salespeople to provide us with correct information on which to base our decisions. Based on timeshare encounters with other members of the military, I have found a high number of timeshare members and former members that have purchased timeshare points – not deeded timeshares – based their decision to buy by listening to salespeople who provided inaccurate, misleading, and sometimes complete fabrications to make a sale. 

My family’s first purchase of a “perpetual” vacation was a camping membership over three decades ago at Wilderness Resorts Campground in Spotsylvania, Virginia. I was on active duty in the Marine Corps and we didn’t have much money, so this ensured that we had a vacation almost every year. 

We often visited the same location every year but about a decade ago, we decided we wanted something different; camping had become difficult, so we decided to buy a timeshare. We purchased a 2-bedroom timeshare at The Colonies of Williamsburg, the week before the 4th of July. The cost was about $40,000 and maintenance fees $750 a year. Over a decade maintenance fees only increased by about $125. We had great experiences with both memberships. Our vacations were perfect. 

Others were not so lucky. Some have experienced maintenance fees that escalated dramatically – and they have no deeded interest in any property, just points that they might be able to use somewhere, sometime. Timeshare problems are not isolated to just one company. Complaints of existing members being presented maintenance fee relief programs that do not exist exacerbate the problem. You need to attend a meeting this week.  It’s not an invitation but a demand. Some don’t even know it’s a sales presentation. Those attending presentations are sometimes held “captive” for several hours waiting for “gifts.” This is not fair to soldiers suffering symptoms of PTSD.

Veterans have reported being told of special programs for veterans (that do not exist) or eligible for, in my case, a disabled veteran program, eligible to receive a lower price. Later I learned there was no “special price” for disabled veterans. 

The standard response to complaints is typically, “it doesn’t matter what the salesperson told you or wrote down…. You signed the contract.” “You have no proof” is often seconded by some state timeshare divisions. Timeshare contracts are not contracts that can be signed in good faith, believing the information provided by the sales staff. Think how many times you purchased a car or home, relying on the ethics of the real estate professional.

Heavily discounted promotional trips typically mean a conversely high-pressure sales session. Unlimited entertainment, food, and drinks often mean unlimited high pressure. A 60 to a 90-minute presentation which you are told emphatically is NOT a sales presentation, will often turn into a tag team of three against two that can last for hours. Promises are scribbled on paper, but the paper disappears.

Anyone buying a timeshare should research the company, the industry and any points-based product. This is something I should have done. I found over 200 people across the United States, including other Disabled Combat Veterans and active duty service members, who described unfair and deceptive timeshare sales practices.

There are also complaints describing credit card fraud. Members did not know until they returned home that a card had been opened and charged. Several hours before the transaction, they were told to fill out a form to see if they qualify for a down payment. In addition, members report being told they will be able to pay maintenance fees by using a timeshare company sponsored credit card, unaware this will offset only 1% or 2% of the maintenance fees bill.

A lifetime is a long time to bet nothing will happen to make the timeshare unaffordable. There is no secondary market for timeshare.

Recently, when my wife and I were told of an update we needed to attend, I politely asked the clerk to mail us any pertinent information – she understood that we weren’t interested in attending any more timeshare sales presentations.

This is one veteran’s story. After 9/11 Terry volunteered to go to Iraq. He was close to retirement so he felt it was the last thing he would be able to do for his country. After he got in country, he again volunteered with six other guys to be on a team deployed to Basra where the British had a FOB.

A forward operating base (FOB) is any secured forward military position, commonly a military base used to support tactical operations. (Wikipedia)

Terry was diagnosed with blood cancer after living next to a burn pit is Basra.

Terry was the lead man for the C-RAM program.

C-RAM: Counter Rocket, Artillery, and Mortar abbreviated C-RAM or Counter-RAM, is a set of systems used to detect and/or destroy incoming artillery, rockets and mortar rounds in the air before they hit their ground targets, or simply provide early warning. (Wikipedia)

Terry and his guys would monitor incoming fire. Basra was one of those places where they were the only Americans so it was hard to get medicine and supplies. Terry and the guys lived in tents next to burn pits where the British burned anything that could be burned. Then there was Afghan. Terry was there for eighteen months until he was sent home after a diagnosis of blood cancer. He also served twenty years in the National Guard. He is 55 years old.

I really don’t know what else to say – he lived army ‘til he couldn’t anymore.

Our timeshare experience November 16, 2017

We were told in Gatlinburg at a group presentation that points were an investment and could be sold for a profit. My husbands diagnose of blood cancer was in 2014. We could no longer afford the timeshare. We know the agent lied about being able to sell timeshare points. We are not concerned that we cannot make a profit as the agent claimed, but are concerned that timeshare points are worthless should a member need to sell. Sales agents should not sell points based on the points being an investment. There were several in the room who heard this claim as it was made in the group presentation and in our individual meeting. Also, Cammie said all we had to do is when we got back home was go to our bank as we wouldn’t have a problem getting a lower interest rate. This was not true. Banks will not finance timeshare.

It’s not right. Our veterans deserve better.

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.

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

https://tug2.com/Home.aspx

https://everythingabouttimeshares.com/consider-exchange-options/

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

https://www.udprep.info/june

Bluegreen Facebook

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

Wyndham Facebook

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

Sapphire Starpoint New: 

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

Diamond Resort Facebook

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

Gold Key Facebook

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

Inside Timeshare Facebook

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

Thank you, John, for your wonderful contribution, we and all our readers at Inside Timeshare wish you all the best in your campaign, also a very big thank you to Irene for her time editing the Tuesday Slot and Friday’s Letter from America articles.

If you have any comments or question on this or any article published, please use our contact page, we would love to hear from you.

The Tuesday Slot with Irene

Welcome to this week’s Tuesday Slot, this week Irene Parker looks at the 2nd quarter of the year from The Timeshare Advocacy Group™, it clearly shows how this group has grown. This group is clearly making the industry very jittery, but as we have said before, “they only have themselves to blame”.

In tomorrows article we will be having a quick look at the latest news from the courts in Spain, there have certainly been some incredible results this week. So rather than give them here they deserve an article to themselves.

Now on with the Tuesday Slot.

The Timeshare Advocacy Group™

2nd Quarter Report

By Irene Parker

July 10, 2018

Timeshare Advocacy Group™  assisted 483 timeshare families as of June 30, 2018. TAG took root February of 2017. About a half dozen of us started a clearing house of information and as Inside Timeshare gained readership, more and more timeshare members reached out to us for assistance and advice. One of our Facebooks that began with 30 members February 2017 now proudly posts comments from 1570 members from 30 countries!

TAG received a total of 267 requests for assistance for all of 2017. Just through the first half of 2018, TAG received 228 requests from timeshare members, so we approached double the volume of complaints, just in the first six months of 2018.  Timeshare members seek straight answers which our advocates provide free of charge from Australia to England and between.

All but a handful of our 483 families reported back to us that their complaint was dismissed with, “You signed a contract” or “We’re not responsible for what our sales agents say.” If this is the official position at some timeshare companies, we feel the consumer should be aware of this in order to make an informed decision as to whether a timeshare is right for you or your family.

Not one of the 483 families that reached out to us was aware that there is little to no secondary market for many timeshares. We encourage timeshare buyers to contact a member of the Licensed Timeshare Resale Broker Association before buying any timeshare. Licensed timeshare resale brokers, charging nothing to list a timeshare, work in all timeshares and can cover the spectrum of available choices helping you decide whether it is best to buy on the secondary market or direct from the timeshare developer. There are pros and cons for both. http://www.licensedtimeshareresalebrokers.org/

About half of the members reaching out to us are battling serious medical issues or hit one of life’s road bumps that made the timeshare unusable or unaffordable. Many are saddled with high interest rate loans and some with higher interest rate credit cards. Unlike your personal residence, it is difficult to get rid of a timeshare that has an outstanding loan. We have been contacted by senior after senior, facing foreclosure for the first time in their life, because of defaulting on a timeshare loan. Almost all have high credit scores and have rarely been late paying a bill. The foreclosure process can be devastating.  Just knowing you are not alone can be a comfort. This is a difficult process for the young as well.

Our Military Team leader, John Collick, experienced his complaint dismissed with “We are not responsible for what our sales agents say,” As described in John’s Inside Timeshare’s July 3 article. John said he was told the timeshare he had owned for years was being acquired by the company he booked a stay with, told he needed to buy timeshare points from that company as the points would cost much more after his resort was acquired. According to John, this information was false.

“We’re not responsible for what our sales agents say,” seems somewhat of an admission that Section 5 of the FTC code has been violated. According to the Federal Trade Commission Section 5:

An act or practice is deceptive where

  • a representation, omission, or practice misleads or is likely to mislead the consumer;
  • a consumer’s interpretation of the representation, omission, or practice is considered reasonable under the circumstances;
  • and the misleading representation, omission, or practice is material.

https://www.federalreserve.gov/boarddocs/supmanual/cch/ftca.pdf

Our standard disclaimer is that we know there are millions who use their timeshares with no complaints. We are encouraged by some timeshare developers who seem sincerely interested in improving timeshare sales practices.

We are proud to have grown to 44 advocates, professionals bringing their skills and life experiences to the table to advocate on behalf of timeshare members seeking to address concerns about their membership. We have established seven teams. Although all our advocates are dedicated, it is understandable that once a dispute has been resolved, enthusiasm diminishes, especially if the member was required to sign a non-disclosure agreement. Over the past year, more core advocates have volunteered to stay with us for the long haul, as we continue to organize and improve operations. If you signed an NDA, it does not prevent you from joining our legislative outreach team, for example.   

Leading our efforts:

  • Reporting Team, functions as a quality circle management team     
  • Media Team Leader – Richard Sokolowski, real estate agent, Arizona
  • Military Team Leader, John Collick, First Sergeant, USMC (Retired)
  • Legislative Team Leader, Sheilah Brust, retired from the New York Governor’s Office of Employee Relations
  • Scam Research: Deniece Vargas, California
  • Technology Support (Open due to Team Leader signing an NDA)
  • Foreclosure Support, Scotty Black, M.S. Criminal Justice

Probably the most common comment we at Inside Timeshare hear is, “At least I know I am not alone.” Proactive action, working with a volunteer towards timeshare resolution, relinquishment, refund, or even foreclosure, takes the problem from the unknown to the known.

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.

Consultants and behind-the-scenes advocates add an additional layer of advice and protection. One very important consideration is that many of those we have helped were on their way to the upfront “guaranteed to get you out of your timeshare” firms that sometimes prey on those already victimized. Not all are bad, but scams abound.  From this perspective, the developer, the timeshare lobby, and TAG advocates are on the same side. This 15 page Department of Justice report listing timeshare fraud, jail terms and fines, says it all:

https://search.justice.gov/search?query=timeshare+fraud&op=Search&affiliate=justice

Thank you to all our Contributors and upcoming new Contributors. Contact Inside Timeshare if you, or someone you know, needs assistance or would like to share their timeshare story for the benefit of others.

“Knowledge speaks, but wisdom listens” Jimi Hendrix

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

So that’s it for today, all it leaves us to say now is if you have been contacted by any company or found one on the internet and want to know if they are genuine and can be trusted to what they claim. Contact Inside Timeshare and we will point you in the right direction.

Tuesday Slot with Irene

Inside Timeshare publishes members accounts of sales presentations.

The reason we publish members accounts is because all but a few members report back to us that their claims of false promises made to sell them timeshare points, which they call lies, are being met with “You signed a contract” or “We’re not responsible for what sales agents say.”

That’s fine if that is the official position at  some timeshare companies, but the public needs to be made aware of the FACT that their complaints, in almost all of the 483 reported (as of the end of 2nd quarter 2018, were met with “You signed a contract” or “We are not responsible for what our sales agents say.”

The last thing we want to do is throw out the baby with the bathwater, lumping a fine timeshare company like Disney, into the tub of timeshare companies we feel need to improve sales and marketing practices.  

Please take the time to read decorated Marine veteran, John Collick, 100% disabled, his bio, and ask yourself “Who should I believe?”  

Now on to our U.S. British 4th of July edition of Inside Timeshare, submitted by John Collick and by Irene Parker.

Introducing Timeshare Advocacy Group™

Military Team Leader John Collick, and Military Team members:

George Yamada

Teresa Laird

Angela Sandstede

July 3, 2017

By John Collick, First Sergeant, USMC (Retired), and Irene Parker

Tomorrow is the 4th of July, the day Americans celebrate Independence from …. England. England and the US were once enemies, but now allies and friends. If two countries can resolve their differences, maybe timeshare developers can heal their relationship with 483 angry timeshare families that have reached out to Inside Timeshare for help. Like freedom, customer relationships must be daily earned and refreshed.  Four veterans share their allegations of deceit and frustration over the lack of timeshare enforcement.

There is no federal timeshare enforcement on the front end of the timeshare sale, and little to no enforcement in states where the Attorney General also falls back on the oral representation clause. Some Attorneys General conducted investigations based on members’ reports, but others, like Florida, mimic the timeshare developer’s response to complaints, “You signed a contract.”

Florida’s Department of Business and Professional Regulation’s (DBPR)

The department’s response to all complaints we have directed to DBPR

As you are aware, alleged verbal misrepresentations are very difficult to prove in light of the written documents and disclosures.  In terms of evidence we rely on these documents to prove or disprove the allegations. The actions taken by other state agencies are not evidence of the alleged misrepresentations related to the sales transactions conducted in Florida.  

This is exactly why we need a media outreach campaign to let the consumer know how any complaint that begins with “The sales agent said….” will be received. In essence, the Florida Timeshare Division, DBPR, does little to stop the deceit. False verbal representations made by unscrupulous timeshare sales agents are allowed to continue unchecked. Repeat offenders receive awards.   

The Florida DBPR demands proof. What would be the proof? Florida is one of only a few states that require both parties be aware of a recording of an in-person sales presentation. Most states allow a consumer to record an in-person meeting without the other participant aware.

http://www.diligentiagroup.com/legal-investigation/private-investigator-tips-is-it-legal-to-record-a-phone-call-or-conversation/

The Consumer Financial Protection Bureau helped Wells Fargo victims, but timeshare members, even in the CFPB’s heyday, could not effectively file a CFPB complaint. This was because borrowers filing a CFPB complaint are required to select a lender from the CFPB menu. Many timeshare borrowers don’t even know who the lender is, as the timeshare company services their loan. A timeshare company is not a choice on the CFPB’s drop-down menu.

We know there are millions who use and enjoy their timeshare points, but 483 families have described to Inside Timeshare how they were deceived by false statements and promises. Such tactics are illegal in the eyes of the FBI, described as white-collar crime – deceit, concealment, violation of trust, bait and switch.          

It is particularly disturbing to hear reports from 51 veterans, active duty military and law enforcement members. Several active duty military are worried about losing their security clearances due to timeshare foreclosure. Recent victims #50 and #51 are a police officer and a deputy.

John Collick, First Sergeant, USMC (Retired), 100% disabled, shares his timeshare experience. John is working on an article about his timeshare experience that he intends to submit to the DOD Inspector General and to the Military Times newspapers: Army Times, Air Force Times, Navy Times and Marine Times.   

Several other veterans and members of veterans’ families have come forward to assist John in his efforts, including:

  • George Yamada, Vietnam Army veteran 70% disabled due to Agent Orange,
  • Teresa Laird, her dad Raymond Mori, a two time Purple Heart recipient, alleging he and his wife were up-sold into timeshare foreclosure,
  • Angela Sandstede, her dad a Navy veteran, up-sold to $2,700 a month in timeshare loan payments, living on his letter carrier’s pension, now facing foreclosure.

John’s bio

John has a long and distinguished career as an Intelligence Specialist, both as a Marine and a federal employee. John was a Terrorism Analyst for the Navy in the immediate aftermath of 9/11; later became the Coast Guard’s Senior Threat Analyst, where he wrote a protocol for identifying risks and threats in the maritime domain. When this was implemented in the Port of Boston, it saved the city, state, and federal governments several million dollars. The port recently used that protocol while conducting a live shooter drill, with success.

John held a Top Secret SCI clearance for over 35 years; in addition to those identified above, he was also a Supervisory Intelligence Specialist at Immigration and Customs Enforcement, a Senior Intelligence Research Specialist, responsible for developing a process for vetting Syrian refugees at U.S. Citizenship and Immigration Services, and the Department of Defense HUMINT Issues Manager for Yemen. In this position, he was responsible for coordinating all classified activities concerning U.S. interests in Yemen.

Timeshare and the Military

Using his experience as a Marine First Sergeant, Mr. Collick advised that the Navy Criminal Investigation Service, Army Criminal Investigation Division, Air Force Office of Special Investigation and Coast Guard Investigation Service are responsible for investigating crimes against their service personnel, especially if it appears endemic. Although it is usually accomplished at the base commander level, any of the military service headquarters have the authority to place any business on the “off limits” list if it appears that their business practices are hurting military personnel. If endemic throughout the country, the Joint Chiefs could do the same. John has been reaching out to active duty members and others, gathering reports for his research and articles.

John is married with four kids; a 31 year old daughter, also a disabled veteran; a 27 year old son, an active duty Army officer; a 15 year old daughter in high school; and a 13 year old son, with Downs Syndrome, who has the mentality of an 18 month old.

His personal awards from military service include the Meritorious Service Medal, the Navy and Marine Corps Commendation Medal, the Army Commendation Medal, Armed Forces Service Medal, Arctic Service Medal, Outstanding Volunteer Service Medal, Humanitarian Service Medal, Sea Service Deployment Ribbon, and Combat Action Ribbon. He was also awarded the Navy’s Civilian Commendation Medal, for his role in translating documents and identifying previously unknown terrorists in the aftermath of the September 11, 2001 attacks.

By John Collick

It is my intention to reach out to the military and others in an effort to warn the military and the public at large that timeshare sales agents are, according to our experience, encouraged to make any false claim necessary to sell vacation points. We purchased our timeshare in Florida.

We were told by a Diamond Resorts sales agent, that we needed to purchase Diamond vacation points to ensure our weeks owned at The Colonies in Williamsburg VA timeshare didn’t lose value. The salesman, Mr. Stephen Kim, stated this was necessary because Diamond Resorts was in the process of acquiring The Colonies. We had recently upgraded to four weeks at The Colonies, so had no intention of making further changes in our vacation program until we received this false information. Mr. Kim said the points would be much cheaper if we purchased before Diamond acquired The Colonies because after the acquisition, the price per point will increase significantly. It wasn’t until a year later, after we purchased a Platinum membership at Diamond’s Mystic Dunes in Florida, we learned The Colonies was not to be acquired by Diamond Resorts – or any other company.

I filed a complaint with Diamond requesting the contract be rescinded. Diamond’s Hospitality agent responded, “Diamond is not responsible for what our sales agents say.” The FBI agents I spoke with, and attorneys have confirmed, hiding behind fine print is not legal, but with no enforcement, deception continues unchecked.   

We attended a mandatory orientation presentation at Mystic Dunes after our first purchase of Diamond points in Williamsburg VA. I asked sales agent Rida about Mr. Kim’s statement that Diamond was in the process of acquiring The Colonies. She said that she hadn’t brought it up because it hadn’t been made public.

We were also told we could use our Diamond points for amusement parks, concerts, the theatre, airplane travel, etc., only to learn airline travel was the only item mentioned for which points could be used, but even that was of little value.

All our timeshare experience has been with The Colonies of Williamsburg. They always told us the truth, not what they wanted us to believe. We have no desire to ever sell The Colonies of Williamsburg timeshare, but have every intention of ridding ourselves of Diamond Resorts.

Other veterans facing timeshare foreclosure, George Yamada, Roy Simmons, Raymond Mori  

George Yamada

Vietnam Army veteran 70% disabled

I work as a pension administrator. I was told the timeshare points I purchased were an investment. The first few purchases I made were based on the vacation experience but there is no question the last purchases were made because I was told the price per point had appreciated and was expected to continue to appreciate.

Angela Sandstede

My father, Roy Simmons, is a Navy Veteran. He had been happy with his timeshare points, but was up-sold to the point we are concerned about my parents losing their home if they have to file for bankruptcy. We made a YouTube hoping someone would listen and we will be reaching out to our Minnesota Attorney General, Lori Swanson. My dad retired on a letter carrier’s pension. My parents were up-sold to $2,700 a month in timeshare loan payment.

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

Teresa Laird

My father, Raymond Mori, also a Marine veteran, earned two Purple Hearts. My parents were sold a trial package, despite being timeshare members of this company for years. When I asked the company to cancel the purchase, they would not talk to me, insisting they had to talk to my parents. They “fixed” it by selling them 17,000 more points. When I went with them to Las Vegas, the agents there tried to sell them $234,000 in additional points at age 83, while my dad was dozing off in his wheelchair. Had I not been there, I feel they would have signed.    

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

Whistleblowers of America reviewed several timeshare complaints reported by veterans and active duty personnel. They presented our timeshare fraud report to the Joint Committee of Veteran’s Affairs March 14, 2018.    

Anyone helped by our advocacy efforts is encouraged to make a donation to WoA.

https://whistleblowersofamerica.org/

Thank you John and Irene, the number of complaints that we have received from military and law enforcement personnel is only the of the proverbial iceberg, there are many more who have had the same experience but have as yet not found who to go to.

Inside Timeshare will continue to publish these stories, they may not be popular with the industry, but the 4th July is about the freedom to express yourself, if you believe you have been wronged then is in not your right to speak up?

To all our friends and readers in the United States we from Europe wish you a very happy 4th July.