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They returned this deposit when Clydesdale Financial Services provided the loan.A couple of days later, I had to return to the Resort Properties sales office, I cannot remember why, but a new offer was put to me which appeared to be even better than the package I had already purchased.The proposal was that I should purchase a second package of timeshare properties, at a very low price, and Resort Properties would then, quickly, sell them at a profit. Quick meant, within the year. The profit would be shared between me and Resort Properties, with Resort Properties taking 25% of the profit..Debbie Parkinson and Gerald Tiernan were, again, very keen to show me how this arrangement had made a lot of money for other Resort Properties clients showing me documents that showed how other clients had returned year after year increasing their investments and increasing their profits.The proposal seemed too good to turn down. Unfortunately I could not afford to buy.Resort Properties urged me to consider finding any means of securing a loan and they explained that the sort of profit I could expect to make would make any loan charges seem insignificant. So, I agreed to make the second purchase. I purchased a package of 5 properties for a further £11,521 for the purpose of selling them off, within the year, to make a profit. Of this £11,521 I had to make a deposit of £1000 using my Visa credit card, which was not refundable. I provided the remaining £10521 by means of a bank cheque upon my return to the UK.I was sent a cheque for £1600 for the rental, in 2008, of the 3 properties, in the first, rental, package in October 2007.However, I had to pay the 2008 service / maintenance fees for the properties in the second, re-sale package, of £2063 in December 2007 and none of the 5, re-sale, timeshares were sold. 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What was worse; was that Resort properties made it clear that there was no way of getting free of the obligation and no real hope of either renting or selling the properties in the foreseeable future.Debbie Parkinson left me and my fiancé for a while, to consider things.The cold realisation that the only people to be making money out of the deal I had enter into was Resort Properties and the thought that I was facing years of potentially increasing service costs, that I could ill afford, made me feel foolish and trapped.When Debbie returned she brought a colleague, another sales representative, who hada proposal.The proposal was this:Resort Properties would agree to immediately sell 6 of the properties, at their lowest price, for a sum total of £3500.The Sales Office manager, Gerald Tiernan, also said he would also give me a good will payment of £3500 if I joined Club Paradiso.However, these arrangements constituted an offer that was only available if I purchased Island membership of Club Paradiso for yet another payment of £23,559.Resort Properties said that Club Paradiso was their premier holiday package, that it was well sort after and that, in a couple of years, they would be going to re-sales and, therefore, I could expect to make a substantial profit, if I were to then sell my membership. It was suggested to me and my fiancé that if we purchased membership in Club paradise that Resort Properties would be able to sell the Island membership, in two years’ time, for £69950 + 17% a sum of about £81,800.It was a blackmail situation and I knew I had to accept the offer. I saw it as the only way I could avoid some of the potentially increasing service costs on timeshares that I did not want. I did not want to join Club Paradiso but it seemed to be a lesser financial risk that what I already had.So, this proposal seemed a better option than to continue making substantial financial loses with the prospect of those loses getting worse. We were told that we had to make our minds up then and there and the offer would not be repeated. So, I chose to accept the new proposal.The problem, however, was finding the money to pay for it.Resort Properties suggested I take out another loan and said they could arrange for a suitable bank loan with Barclay Partner Finance, previously known as the Clydesdale Financial Services bank. They set the bank loan up, which was for the required £23,559.Having secured my membership of Club paradise, Resort Properties then tried to persuade me to extend my membership in Club Paradiso buy buying something which would extend the range of resorts available to me. They pointed out that my membership only gave me access to about six nominated resorts.I did not extend my membership in Club Paradiso.I am now stuck with 2 timeshare properties in Tenerife that I do not want and which I have to pay annual service fees on. I am also stuck with membership of Club Paradiso which I also do not want and which I also have to pay annual service fees on.I feel cheated and financially trapped, wishing I had never heard of Resort Properties.My advice to anyone would be: If you encounter any timeshare of holiday club representatives, walk away fast!RF

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“Trust me”. We were still not sure whether we wanted to do this but then another agent came out and continued to convince us that this was a win, win situation. After a very long day it ended up with us signing the paperwork. It was gone 7pm when we eventually left and we were the only ones left there. They took a payment on our credit card which they didn’t cash but returned the ripped up slip to us once their payment from Clydesdale finance (now Barclays) came through. We signed for the loan on the day of the transaction and there was no representative of Clydesdale/Barclays present at any time. They also on both occasions used the fact that Barclays wouldn’t allow them to use them if they were not a bone fide company. With regard to the maintenance, the first year would be free and then we would only have to pay 2 years at most of maintenance before it would return to their ownership. We were told this would be about £400 a year so £800 in total. We were not given any other information on maintenance.They gave us on both occasions (2006 & 2010) some additional weeks from their Tenerife properties, in Los Cristianos which would be sold on our behalf and help towards the loan payments in the interim before the return to their ownership and re-sales started. We do not know who they were sold to & the resales have never started.Once back in the UK, we became worried as time went on and we didn’t hear from either Paul Salih or Resort Properties and it gave us sleepless nights and a lot of worry as the £25,000 ended up secured against our property.Time had elapsed and at this point was 3 years and 8 months since our original purchase and nobody from Resort Properties had contacted us to buy back the membership which we had been told was “NOT” ours to keep. We continued to use the membership. In July 2010 we were in Tenerife and called in to the Palm Beach Club, Playa las Americas as it is part of the same company. We asked if they could contact Paul Salih for us at the Resort Properties desk in Los Cristianos. We were informed by them that he had left the company but that we could come and discuss our case with another agent.We again arrived at 10am and we were introduced to Paul Fowler, who apparently had taken over the running of Club Paradiso clients with a couple of other more senior agents. We explained our story from the beginning up until that point. He told us in no uncertain terms that “we” had left it a bit late getting back to them. He said that unfortunately as they had recently reconfigured their sales packages he would not be able to sell it for us as things stood. We were flabbergasted and said that we were not to know when the “right time” to sell the membership was and at no point had they contacted us to inform us of this change. We had left it in their hands in good faith. He then said that they as a company couldn’t be held responsible for a deal made by a former employee who had now left. We reiterated that it had been approved by another member of their staff but we did not have their name. He said that unfortunately there was only one way out of the mess and that was to buy another week as nobody would want to buy just one week’s accommodation. We said that we couldn’t afford any more expenditure as we also had the Island Residence Club (IRC), Golden Sands, Malta week which we had upgraded to a 2 bedroomed apartment, 3 years earlier.He then came up with a deal which took our week at the Island Residence Club, Golden Sands, Malta plus £24,958. This implied that the product of a City week had increased in value from the original price of £25,000 to £59,950.We were very reluctant to do anything else but he made our situation seem impossible.We decided that if we didn’t have to pay maintenance on the IRC week then perhaps it would be doable until the re-sales started in the 2-3 year time frame he envisaged. They were getting near the end of the sales phase and we would be in a much stronger position to sell what we had. So once again we found after a very long and rather upsetting day that we bought another week to get us out of the original contract in 2-3 years’ time. They used Barclays Partner finance for the loan; the payment is just in excess of £308 per month. Again, no representative of the bank was present. We were not asked any information regarding our current financial situation before signing the contract. We cannot remember exactly how long we were there but it was the usual hours and hours wearing us down. When we left we were both exhausted and very upset at the turn of events but were hopeful that in 2 or 3years time we would have our money back and have sorted this out once and for all.During the 6 months interest free period and due to the downturn in the economy plus the fact that we had already taken out a total of 3 loans we were unable to get a more attractive rate so we have been stuck with paying the £308 ever since. The financial burden of the outstanding 2 loans and the additional monies owing on the mortgage has had a crippling effect on our income and made life very difficult and upsetting.We have suffered many sleepless nights and it’s caused arguments, crying and despair. We have worked hard for what we have and it is very distressing to find that we have been tricked into spending it on something which we later find is almost worthless. Added to this we have only just found out that, in the event of our death, any debt and on-going maintenance would pass to our children (or benefactors) which we know would cripple them as they are not big earners. This is yet another distressing worry.At the beginning of 2011 we had a letter telling us that Resort Properties had been bought out by a large American Company called Silverpoint. (Resort properties did not inform us of their assets being taken over). We would be contacted and offered a free week’s accommodation as they wanted to catch up with all their clients as Resort Properties hadn’t given them any information regarding anyone’s individual holdings. We instantly thought perhaps there was light at the end of the tunnel.We returned to Tenerife in July 2011 staying at the Beverley Hills Club.We attended another presentation explaining our story to a young Italian gentleman. He was very pleasant and explained that the practices of the sales representatives of Resort Properties had at times been very dubious and that Silverpoint staff had been trained in the correct laws and codes of conduct for selling Timeshare. Everything had been tightened up. The new management of Silverpoint had swept through the incumbent staff and unless they were prepared to take the necessary exams to qualify them to sell timeshare then they were sacked. He said that it took 3 months to complete and get the official qualification and that was why there was not many of the remaining Resort Properties staff left. The presentation went on; he explained that they as a company had £2,000,000 to help towards upgrading some of their customer portfolios. This was by way of an add on to the Paradiso membership. It gave you access to more deluxe resorts and holidays increasing the attractiveness of your 2 City weeks by increasing the number of destinations available to you and any subsequent purchaser of our weeks. We told him that we would not be buying anything else from them as we had no more credit available and the last 2 transactions had brought us nothing but heartache and crippling financial problems. He said that was ok. He then went to his manager to tell him our position. The manager then came over to see us (he was a very large intimidating Greek who we think we had seen before when it was Resort Properties). He then started being very intimidating and very aggressive saying did we think anybody would wish to buy our 2 City weeks with only 5 resorts when they could have 2 City weeks with the addition of these other luxury destinations. We asked if they had the £2,000,000 spare was it free? He laughed and said of course not but somebody with our level of membership wouldn’t have to pay as much as others. When we asked how much we would be expected to pay, he asked how much we would be willing to pay for the enhanced membership. When we said no more than £1000 he just laughed back in our faces. We said after spending approximately £72,000 already on a product which you now own and you tell us isn’t worth much without this add on you will not be getting any more of our money. He told us that we would be unlikely to sell our 2 City weeks when re-sales started and he could not understand why we would pass up on such a good offer. He made us feel stupid if we did not take up the offer. We explained that we knew our financial situation and he didn’t and that we just could not take on anything else. After a few more rather unpleasant words between us, the Greek left us to the Italian gentleman. After he left we asked the Italian gentleman how much he thought we would have to pay. He thought that the cheapest he had seen the top up sold for was £5000. We told him that was impossible as they had already taken all that we had. We left in a much shorter time than usual approx. 4-5 hours on this occasion.In January this year (2012) we tried to book a week’s accommodation in The Palmyra, Jamaica and were told that due to technical difficulties it was not possible at this time. We now know that they have gone into liquidation so our 5 resorts are now 4 with no sign of the re-sales promised in 2010 or the original agreement of them wanting the City week back as soon as the market was right.As you can tell from the above account we have now been trying to get out of this for some time. When we first became involved with Resort Properties we were 47yrs of age and our financial situation was good. We are now 53 and still trying to sort things out and because of this our financial situation is now quite difficult. Their solution has always been to explain that we would need to invest more before reselling could happen. We now realise that we have been badly misled and that the only way out is by taking legal action.I strongly believe that the Spanish judicial system will bring this scam to an end. How can they ignore the desperate please of so many people? This is not an isolated incident, this is a clever scheme designed to extract as much money out of hard working, trusting individuals like us. I wish in 2006 I had never taken that holiday in Tenerife and I wish that I had insisted that the verbal promises I was repeatedly made by staff AND MANAGEMENT be included in the contracts which we signed.I hope this company and the individuals who work for it are brought to justice and an end is put to the scandalous operation once and for all.Richard

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