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Timeshare Owners Protection Plan Ltd: Another Mark Rowe Creation

As our regular readers are aware, Inside Timeshare has been publishing over the years many articles on the antics of Mark Rowe and his various companies. This began with his Monster Credits and Monster Rewards package, through to sellmytimeshare.tv which was the initial contact to sell the much-maligned and discredited Monster Credits scheme. He then replaced Monster with a renamed version called Jive Hippo and at every point, he has come up with new companies and money-making schemes. Today we highlight yet another of his worthless programmes to help timeshare owners.

This particular scheme stems from the “exit” & “compensation” scheme set up by Rowe using his companies ABC Legal & ABC Lawyers, this along with a plethora of other so-called “legal” firms duped timeshare owners into signing up to relinquish their timeshare memberships. Along with this, there would be a claim for “compensation” once the cancellation has been done. This is passed to yet another Mark Rowe company Lansdown Financial Ltd.

As we know from the many enquiries Inside Timeshare has received that these “cancellations” of membership have never actually been done. The client receives a letter from whichever of Rowe’s “law” firms they have dealt with to inform them that their ownership is in their “opinion terminated”

Mark Rowe, not as innocent as he looks!

The common factor for all those who have enquired is the fact they were told to just stop paying the annual maintenance fees. The hope of Rowe was that the timeshare companies would not chase for arrears. Unfortunately, this is not the case, Inside Timeshare knows for a fact that many of the timeshare companies will actively chase for arrears and send in the debt collection agencies. If the “debt” is not paid then action against the member is taken in the County Courts, this results in either the owner paying the debt before a court hearing to avoid receiving a County Court Judgement.

Now as Mark Rowe does know this fact as he has been around the industry for many years, he came up with yet another scheme to allay the fears of “his clients”. This is the Timeshare Owners Protection Plan.

It is a “certificate of indemnity” so if the timeshare company does take legal action then Rowe’s clients will get legal cover to fight the case. The only problem is that according to the “Certificate of Registration” it clearly states:

“This certificate confirms that discretionary legal benefits scheme cover (subject to terms and conditions overleaf) is supplied and operated by Timeshare Owners Protection Plan Ltd”.

Then if we go to the terms and condition section 3.1 it explains what is meant by discretionary:

“Discretionary means that our directors have the unfettered, optional, non-compulsory right and authority to decide whether or not to provide support in connection with a claim against you by a timeshare resort owner”.

Well, it could not be clearer than that, it is the directors who decide if they will fund any defence!

So who is the director?

I do think you have already guessed, Mark Rowe himself, along with Clifford Donald Wing, who is a rather new name to come up, (we just wonder if he is aware of Rowe’s somewhat colourful past).

The company Timeshare Owners Protection Plan Limited is registered with Company House with the Company Registration Number 10775452. It was incorporated as a company on 17 May 2017 and the registered address is:

71 Queen Victoria Street London England EC4V 4BE

The company itself is listed as a “Micro” entity and in the PDF file below you will see last year’s account statement, as you will see it has no funds or assets. Now, this does beg the question: Where does the funding for legal representation come from?

Inside Timeshare thinks that the answer is in the “discretionary” point of the scheme, it will not be forthcoming!

On the 10 May 2018, there was a change in persons or entities with significant control, this was passed from ABC Legal to another company called TOPPL Holdings Ltd, Company Registration Number 11347556 and the registered address:

71 Queen Victoria Street London England EC4V 4BE

The company was incorporated on the 4 May 2018, just 6 days the change of significant control, but the person who has this control and is the director of TOPPL Holdings Ltd is none other than our old friend Mark Rowe!

So once again we see the devious mind of Rowe in action, taking money from unsuspecting owners, filling them with false hopes and promises, worthless certificates showing “cancellation of timeshare contracts” and then the certificate promising protection from legal action.

Over the year this man has invented and run some of the most prolific scams in the timeshare world yet he has been able to get away with it all. Well, that is until now, we know that several of his companies are under police investigation for fraud in the UK and Tenerife, it is only time before the authorities go knocking on his door and he will eventually see the inside of a prison cell!

If you have been a victim of Mark Rowe or any of his companies please use our contact page and let us know, Inside Timeshare also urges you to file complaints with Action Fraud and also Trading Standards.

Remember do your homework before engaging with companies such as these, if you are not sure if they are genuine and will do what they promise the contact Inside Timeshare for advice. You have nothing to lose and it will save you in the end.

Start the Week: Update Advance Business Consultants Legal SL

Further to our article published on 23 April, regarding the liquidation of ABC Lawyers and Advance Business Consultants Legal SL both owned by Mark Rowe, new information has now come to light.

It appears that the Timeshare Consumer Association is now a trading name for Advanced Business Consultants Legal SL along with ABC Legal, ABC Lawyers, Timeshare Compensation, Timeshare Advice, Timeshare Lawyer, Value My Timeshare, ABC Legal Reviews.

So what was once an independent website giving independent and impartial advice to timeshare owners is firmly under the umbrella of Mark Rowe. He continually denies he has anything to do with the TCA, the latest evidence shows otherwise.

This is now in black and white on the Privacy Notice updated on 24 April 2019,

So what does this mean for timeshare owners who contact the TCA for advice on how to get out of their timeshare contracts?

Very simple, they will not be getting any independent or impartial advice, instead, they will be directed to one of the companies owned and controlled by Mark Rowe. This is not the first time the TCA’s impartiality has come into question, Andrew Penman of the Mirror brought this subject into the public domain way back in December 2016.

https://www.mirror.co.uk/news/uk-news/timeshare-consumer-association-claims-independent-9367808

Mark Rowe

As we already know, several of his companies are under investigation by the Regional Organised Crime Unit of Somerset and Avon Police as well as the Spanish authorities, these are:

Inside Timeshare has received many emails from timeshare owners who have paid for relinquishments and so-called claims through ABC Lawyers, one reader paid around £7,500 for relinquishment and a claim. They were simply told to stop paying the maintenance fees, which they did, they have since found out that Club La Costa terminated their membership on the grounds of non-payment of fees. In other words, ABC Lawyers did nothing, they have also never received a penny of the £30,000 they were promised for their claim, despite signing the contract with ABC in October 2017.

Inside Timeshare has continually stated that the only sure way of making a claim for timeshare purchased in Spain is through the Spanish Courts, using a genuine lawyer registered to practice in Spain, with the knowledge and experience of timeshare law.

You are also unable to make any claim through the courts once you have had your contract terminated, plus you are very unlikely to receive any money back by using the Credit Consumer Act 1974 Section 75. This is a simple fact, the credit card company (if you paid the deposit by card) will always contact the timeshare company, they will obviously inform the card provider that the timeshare was used, so they have provided the goods and services paid for. Section 75 does not cover the fact that your timeshare contract may be illegal under Spanish law.

Once again, it is important that you know who you are dealing with, the TCA may have been independent and impartial at one point, but that was many years ago, we are sure the late Sandy Grey will be turning in his grave, all his hard work has now been turned upside down.

If you have any questions or need real advice on any timeshare matter, use our contact page and we will get back to you. Remember to do your homework before engaging with any company that contacts you or that you find on the internet.


Start the Week: O’Reilly’s Sentenced and Others Under Investigation

Welcome to the start of another week with Inside Timeshare, today we review last weeks news from Birmingham Crown Court with the sentencing of Dominic O’Reilly and Stephanie O’Reilly of Eze Group. We also look at other people and companies who are also under investigation and may just be finding themselves in court.

On Thursday 21 March at Birmingham Crown Court, Judge Laurence Creed passed the following sentences.

Dominic O’Reilly, jailed for 2 years 4 months, disqualified from directorships for 9 years.

Stephanie O’Reilly, 9 months suspended for 2 years, 18 months suspended for 2 years plus, disqualified for 6 years.

Dominic & Stephanie O’Reilly (Birmingham Mail)

Inside Timeshare has received a transcript by a court reporter, which although it is not verified, it does match reports published in the press.

In the Prosecution opening statement, it was asked that the judge consider monetary harm, this was extremely high according to the prosecution, with 36 complaints, 90 in process and 45 further complaints pending.

The prosecution also explained the emotional impact, consumers were told they had no cancellation rights along with aggressive sales tactics. It was also mentioned that the defendants were told to stop these tactics including the institution of cancellation rights, but these did continue even after Trading Standards began investigations.

In mitigation, the defence for Mr O’Reilly asked for the sentence to be suspended as he did plead guilty at an early stage. He also told the court that Mr O’Reilly is now 54, in ill health and in need of a heart operation.

The fact that one elderly couple aged 68 and 69, one who had recently had a stroke, the other had diabetes including an attack during the meeting, were made to transfer money before being allowed to leave, does make the above mitigation plea a complete joke.

Miss O’Reilly’s defence used her being the mother of a 1-year-old baby which is breastfed and she is now 11 weeks pregnant. Also, she has no support structure in the UK, as her parents live in Tenerife, that her partner would have to give up his job to look after the baby if she was jailed.

In all, the 36 complaints totalled £425,000 of which only £3,813 was ever refunded, Trading Standards found another 100 complaints totalling £1.3 million. In all the company made by 2017 around £3.375 million.

Much of this money was transferred to the Tenerife company Regency Shores SL when the customers believed it was being paid to Eze Europe Ltd.

The judge also highlighted several clients, that were sent threatening letters for payments when the client wanted to cancel. One client had to call their daughter to help pay, then chased with a letter before action.

The client cases in this trial are only the tip of the proverbial iceberg, there are hundreds more, unfortunately, many of these are now subject to scams due to this trail. Cold calls from companies stating they are working with or have been appointed by the courts to help them get money back which the courts are holding. As we have said before this is not true.

The O’Reilly’s are now being investigated under the Proceeds of Crime Act, The authorities have to power to seize accounts and assets such as houses and cars if it is deemed they are from the proceeds of crime. The problem now is can they link it, where is the money, are any properties in their names, or are they in his wifes or her partner’s names. If so can it be proven the money used was from the O’Reilly’s in the first place?

We can only wait and see.

If you have been a client and receive any calls regarding money being held for you, then contact Inside Timeshare. We will then explain where you stand and if you are able to get anything back.

Link to the Birmingham Mail

https://www.birminghammail.co.uk/news/midlands-news/timeshare-boss-dominic-oreilly-jailed-16010172?fbclid=IwAR1HB-9OyDuv4d5Xytwk0mjX7ZmeIWIWJNGMZqUibWaE7fKXa0nR__dbnH0

Another investigation is also being conducted into several Mark Rowe companies, by the Regional Organised Crime Unit of Avon and Somerset Police, along with the authorities in Tenerife.

Mark Rowe

This investigation is very similar in nature to the one into Eze Group, it is still underway and no new or further information is yet available. But no doubt we may see a case in the courts in the near future.

Over the past few months Inside Timeshare has also been following several other names, Ali Farhoud, Alex Farhoud and Lee Burton, all linked to Silverpoint.

Ali Farhoud

In the case of the Farhouds and their company Nordic Consulting Canary Islands SL, they now entice their old Silverpoint clients with legal action against their one-time employer Silverpoint. See the links below for further information.

We have from very reliable sources been informed that criminal denuncias have been made to the Spanish authorities against all three. Many of these by their very own clients.

Although we know that these investigations take time, especially when new complaints are likely, one thing is certain, the authorities always get them in the end.

As and when new information comes in, it will be published on these pages.

If you require any further information or have had dealings with any of the companies mentioned, then use our contact page and let us know. Inside Timeshare will get back to you and point you in the right direction.

As usual, a word of warning, before you deal with any company that contacts you or you have found on the internet or from an advert, do your homework. If you are not sure then contact Inside Timeshare.