BlogWhatever you own

Whatever you own

Added 2 years, 8 months ago.

whether it be points, fixed or floating weeks, Timeshare Relief can help you out of your maintenance fees and contracts, give one of our friendly team a call and see how we can help



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that we were lovely couple and that we could probably benefit from an additional income of £ 2000.00 per year to help with our finances. About 10 – 15 minutes went by and Matt´s manager returned to the table all exited saying that I had been approved for the loan. I was totally surprised with this news as I had recently been turned down recently in the UK for a small overdraft from my bank. Matt and his manager were delighted that I had been accepted and could not see any reason for the deal not to be completed. She went away and came back with a list of properties she was going to allocate to me. Both Matt and his manager convinced me that I would not lose any money from the deal as they would sell the properties within 12months and that it was safe. They explained that once I returned to the UK that the finance group would be in touch with me and find me a finance deal that would reduce the monthly repayments. They told me that Barclay finance would not be taking any payments within the first six months which would allow me time to have the finances transferred. During these six months the financial group contacted me and were unable to find a company that would take the debt due to me not being able to get credit. (This is something I feared would happen as I am not sure as to why I was accepted by Barclay´s). When the six months were up, Barclay´s started to request monthly repayments at £ 1232.89 which I was able to pay out of the cheques I had received from Resort Properties of £ 3750.00. I was able to pay the first three months from this payment and I then approached Barclay´s to see if they would be able to reduce my monthly repayments which they declined. I telephoned Resort Properties to enquire if they had managed to find buyers for my allotted apartments and explained that I had not been able to transfer the loan to a different company with lower APR and I explained that time was of essence for them to sell the apartments as they had promised. If they could have at least sold one of them, it would have helped me continue to repay Barclays. I continued to phone Resort Properties on numerous occasions enquiring if they have sold any of my allotted apartments each time being told no they hadn´t. I was then beginning to worry as I then started to receive letters from them advising me that maintenance payments soon need paying by me, which were totalling nearly £1800.00. I explained that I would not be able to pay these as Matt had explained to me that all properties would be sold and that I would never have to pay maintenance and I have believed him as he was very convincing.In June 2010, I again went back to Tenerife Resort Properties to see Matt and explain my financial problems and tried to appeal to him that he should sell my properties as promised. He could see that I was very upset and that I was coming to the end of my tether with the stress that these timeshares were bringing me. He assured me that he would prioritize my apartments to get them sold. This has still not happened to this date.In March 2011, I received correspondence from Resort Properties that they have received an offer for one of the properties for £ 1750.00 and asked me to sign to accept the offer which I did. I had not paid any maintenance for 2011 so they issued me to write a nil cheque for the apartment as the maintenance bill had to be paid. I have not heard anything else from resort Properties with regards to selling the remaining properties I own and I feel very let down as they have not sold the apartments as they promised to do. I feel that they have mis-sold me these apartments as they knew that I would not take annual holidays and that I had no means in which to pay yearly maintenance.I have been conned out of £ 25000.00 for properties I never intended to use. Both Matt and his manager knew that I was not financially able to buy these properties for my own use and I now know that like many people, I was mis-sold. I had no use for one timeshare, let alone 5I visited the Resort Properties offices ( now Silverpoint) at the end of 2011 in the hope that after hearing my circumstances of being unemployed, they would assist me in buying my 5 timeshares from me and releasing my contract with them as I would be struggling to find finance for the coming maintenance bill of around £ 2000.00 for 2012.A Silverpoint representative by the name of Adam agreed to see me to discuss my problem and seated me at his desk to hear what I had to say. I explained to him that I had five timeshare properties within the complex and that due to me being currently unemployed, I would not to be able to pay the maintenance bill that would be issued within the next couple of months. He explained that Silverpoint would not be buying any timeshare from Resort Properties clients as they were prioritizing Silverpoint clients only and that my best option would be to invest in an up-market suite at their Paradise Resort situated down the hill. Again I explained that I was unemployed and that I would not, even if I wanted to, be able to acquire credit, as I was not credit worthy and I had very little disposable income. I told him I was there to ask for assistance from Silverpoint to honour Resort Properties clients and buy back from me my five timeshares to release me from the burden of paying maintenance on timeshares that I do not use.Adam left the desk and left me several to speak with the finance manager to see if they could come up with a remedy to my problem. Eventually, the finance manager came and sat down with Adam and myself and proposed a deal that they thought would benefit me. This deal involved trading in all five properties and paying them a deposit equivalent to my maintenance bill for 2012. This, they said would need to be paid to them within 14 days. This would be to the value of around £ 2000.00. In addition to this, the manager advised me that I would then need to pay £ 71 per month. He explained that the finance would be arranged in house and not through any credit agencies. In return they would give/upgrade me to own a three bedroom premier deluxe suit in Hollywood Mirage. This is the best offer they would do for me and maintenance would be calculated at around £ 450.00 per annum for the property. Adam explained that I would then automatically become a Silverpoint member and in 2014, they would then put my timeshare up for sale and they would then be able to get most of my money back from the original £ 25000.00 that I had taken out credit on with Barclays finance. I told him that I had these claims before from resort Properties and asked him what makes him so sure that he would be successful in selling the three bedroom up market property. He claimed that his company were more professional and he saw no reason why they would not to be able to fulfil the sale. I told him that I would not to be able to agree to anything until I had spoken with my partner later in the evening. He was adamant that I spoke with her immediately as the offer was only on the table now and that I would not to have the opportunity to make this deal at a later date. He made arrangements so that I could use their phone from one of their offices and telephone my home, which I did. My partner saw through the false promises and categorically told me no to go through with the deal and to leave resort immediately. I told Adam the outcome was a no, he was still insisting to me that the offer was the best that I would ever receive from them and that I was making a huge mistake. I replied that I valued my relationship and that I was walking out as I had no further need to stay. He made it quite clear that they will not be offering me any other option to sell my timeshares.I am appalled that even though I have stressed to Silverpoint that I am unemployed and not credit worthy, that they still want to increase my debt liability to sell me a timeshare that I will not use or rent. I am very concerned that instead of trying to help reduce my financial commitments, they insist on selling you a property with the promise that they sell it for you in two years’ time. It seems to be a story I have heard before and do not wish to be taken for an idiot by spending money that I don’t have.I am currently unemployed with a poor credit history and yet Silverpoint insist on loaning me money that I am unable to repay. This whole episode with Resort Properties/Silverpoints has caused myself an enormous amount of stress and upset and on many occasions has put my relationship with my partner in jeopardy.I have started legal proceedings against Resort Properties as I feel that I cannot get on with my life with the worry and hassle this company has put me and my partner through.JAC



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that “Freedom Vacation” had gone bankrupt and then he drove us to their office in Los Cristianos, to confirm this, the office was vacant. My wife and I were distraught that our savings of 6 months previous were gone and we had nowhere to officially stay in Tenerife.We returned to BHC where we were told that all was not lost. Mr Gordon made an appointment with us to visit the Sales Team office. We were desperately unhappy when the sales team told us our £11,000.00 paid to Freedom Vacation was lost, but Mr Gordon reassured us that we would get this amount of money back, plus a lot more by investing £25,000.00 in their scheme. We stayed with Mr Gordon from around 10.00am to about 5.00 – 5.30pm that day. We were treated in a very kind manner and the staff were very sympathetic and told us not to worry as we were almost in tears at our predicament. We gave Mr Gordon a lot of information about our private lives, my job working overseas, our finances, savings etc after being asked in confidence to impart that information. We were often referred to a Mr Carl…. the manager of Mr Gordon, who reassured us that what was being offered was genuine and was probably the only way to get our money back. They treated us as if we were all friends, acknowledging other clients at the same time, and assuring us that they would look after us, saying how terrible it was that the other company had taken our money.We were shown Newspaper clippings, brochures and a video of on-line information of how large and reputable their company was. They stated that there were only 5 timeshare companies in the world that could re-sell a timeshare and were legally entitled to sell them on. They berated all the other companies that gave timeshare a bad name. They showed us all the alternative holiday destinations in USA, Caribbean, Dubai and other locations. We spent a considerable amount of time being told how the repayment system worked and the best part was that they would send us a cheque for £3,000 plus for rental payment, to pay for the first year`s repayments. We kept some of the explanatory notes written by Mr Gordon so that we could discuss them privately when he left us alone at his desk.We were constantly bombarded with sales talk and at this time we felt compelled to stay as they had given us free accommodation.When we asked questions about the “investment” and how we would get money back, he said other people like us joined the scheme and normally within 18 months the sale would go through and it never really extended beyond that period. The money invested gained interest and that is what we would gain. The new “Investors loan” like ours, would be passed on to us to pay off the loan we`d taken out through Barclays Finance. When asked why he (Mr Gordon) didn’t do this scheme himself to make some money… ie. take out a loan and do the same as he was telling us to do, he replied that it would be insider trading and it would be illegal for himself and the staff to participate in this scheme. He proudly showed us his $ 1 million dollar sales trophy he had won, and his family home photographs in Tenerife which he said the commission pays for, so we both gain from the transactions. What they told us was very plausible but we were getting tired and uncomfortable after being in the office for so long, with the process seeming to be prolonged with bouts of business talk, social chatter and being left alone, waiting for the next piece of information.We were often pointed towards other people, some quite elderly, who… we were told, come back year after year and it was a source of income to them. We were never introduced to these other clients and we never had the opportunity as we seemed to be escorted or “looked after” when we went outside for some fresh air. My wife and I never seemed to be left alone except at Mr Gordon`s sales desk with other staff hovering around.We were informed that because I worked overseas and I personally could not guarantee being available for a holiday at a fixed time, this could be fixed for us to take a holiday if we gave them some advanced notice. Asking about if I could not make a holiday week, I was informed they could rent our week out and we could get extra payment for that and we couldn’t lose. It never occurred to me that if they were re-selling after 18 months this should not be an issue and this point was not mentioned by them.After what seemed to be a very long day, they asked us for our credit card to verify we were creditworthy. They took the card away to carry out credit checks on us.My wife and I knew we were ok for a credit check as we did not owe any money to anyone and we had already informed them that our house was paid for with no mortgage and we had no debts as we pay cash for everything. When the credit card was returned we were informed that all was in order and we were congratulated and escorted to a room containing a rather stern-looking gentleman. Whilst in this room the gentleman appeared very strict and orderly without any friendliness. He read out a long list off acts from a sheet and at the end he asked if we understood what he had said. We were fairly exhausted by this time and felt compelled with the atmosphere not to ask any questions. He placed the papers across the table, pointing where to sign. It felt a relief to leave the room afterwards and I said to my wife that this person seemed to be there, not to give assurance, but to get the business done and over with. It was not a comfortable meeting, and was in stark contrast to our treatment in the sales room. We were not told of any cooling off period before or after signing the final forms.That night I felt so sick and I hardly slept, the enormity of what we had signed for had sunk in. I felt totally stressed and this had all happened within 24 hours of arriving in Tenerife. The next morning Mr Gordon came to our room with a bottle of celebratory wine for us. I told him how I felt and he told me that this was a normal reaction to many of his clients and that it was alright and we would soon see the benefits and to relax and enjoy the remainder of our holiday, which he had arranged for the remainder of the week in Beverly Hills.I think at this stage we still didn’t understand the timeshare implications and what we had bought into. Our understanding was that we had taken out a loan, organised by Resort Properties, for up to 18 months, which we would pay off after they sold the timeshare and the interest would be ours. This scheme would continue year after year. We were not informed about maintenance fees or any other consequential costs except for the fact that we may have to pay up for a further 6 months after their initial “one year free payments” had expired (£3,000 plus), then the loan would be paid off. We received a maintenance fee letter in January 2009 which came as a total shock to us.After arriving home in the UK we received a cheque as promised for £3,000 + (cannot remember exact amount) for the first yeas repayments to Barclays Finance. This reassured us at the time that there were no problems.I returned to work in the Middle East on 21st July 2008 and did not see any correspondence until we returned home again in late December 2008. One letter from Resort Properties informed us that we had a cooling off period. The letter was not received by me between signing the agreement on the 7th July 2008 and returning to work on 21st July 2008, therefore I was not made aware of this fact that there was a cooling off period until it was too late.June 2009We returned to Beverly Hills in June 2009 for a short holiday and to visit the sales team. During this visit we were again pressured to sign for another investment of £24,950, a further loan, as it was pointed out that we could do this year after year as each loan was being paid off. I believed at that time that our initial investment would be closed in the stated time and this second investment would have no impact for the future as the profits from the first investment would cover any payment needed on this second loan.The Resort Properties rep, Mr Gordon, pointed out that as the first loan was taken out in my name, the second loan would have to be taken out in the name of my wife as my loan was still active after 11 months. I pointed out that my wife was a housewife and had no income of her own, he said he would sort this out as he knew a person at Barclays Finance. Again, it was a repeat process of the previous year, except it was speeded up once the credit rating was approved. We were treated with friendliness and familiarity and we felt as if we were part of the team, that we were there for the benefit of ourselves and the Resort company.The following day, Mr Gordon called upon us in our apartment and said he had a great investment opportunity for us and for us to go to the office with him. When we arrived, he showed us a video that was being displayed on the TV monitors and some glossy brochures of the Sunseeker Boats that were only for investment with trusted customers. He pointed out that all the other people in the room were investing in the “Boat Scheme”. The other sales rep`s were pointing to the monitors and we noticed lots of people looking at videos like we were. We were taken to the Yacht Marina in Los Cristianos and given a personal tour around the boat. There were four boats moored up at the time. The skipper on the boat told us what to expect when we sailed out of the harbour and stayed on board… living a luxurious holiday lifestyle.We were obviously impressed as the boats were in pristine condition and the skipper took photographs of us to show our friends and family. Other clients arrived while we were there.After a marine-side lunch with Mr Gordon, where talk was of the benefit and upmanship of owning a week on a luxury boat, we returned to Beverly Hills.We were told that if we didn’t want to use the week on the boat we could split a week, by example 3 days on the boat and 4 days in Beverly Hills. The days we didn’t use, he would hire out to wealthy individuals or more likely the corporate companies that were always doing business in Tenerife. He said we could get up to £1,000 (1,200 €) per day for renting our days out. For this I paid £1,000 immediately from my credit card, and then i paid a further £13,335 on my return to the UK. Again, Mr Gordon and Mr Carl pressurised us using the benefits of this deal as the incentive to sign up.We used all our life savings on this transaction form our long-term savings account. It was pointed out that every day the boat was hired out and after the first 2 years the profits were totally ours and we had this for life.We have not received any money from this investment and have never seen the boat since that day.September 2009We again returned to Beverly Hills for my birthday, early September 2009. During this time, Mr Carl approached us with another deal that had to be closed by the end of that day. He told us that a lady had a Presidential Suite that she needed to dispose of immediately as she was going through a divorce and needed to sell quickly. He initially asked for £10,000 for one week exclusive use of the apartment. I informed him that following the purchase of the Sunseeker Yacht week in June that year, i could not afford this. In the end he was talking aggressively as I was deliberating about this and he said that he could not get anyone else at this late stage and I felt responsible for this. My wife said she needed the money for a new car and Mr Carl tersely told her she could get a car at anytime. I was offered the apartment at a knock-down price of 8,340€ (£6,950) which i paid cash for by transfer from my UK bank. This occupancy I believe was for 60 years through my family.Following our visits to Tenerife Beverly Hills in 2009 I have not returned to Tenerife until now as I am afraid of visiting Resort Properties. Not a day passes in my life when I do not think of how I was duped by these unscrupulous people working in Beverly Hills. I have been suffering from depression and i am now treated permanently for hypertension brought on by the stress of what happened in Beverly Hills.It was never mentioned and it never occurred to me that I could still be paying off a loan and also my wife’s loan until I was 68 years old. As far as I was concerned, the resort representative said it would be, at the outside – 18 months repayments, which is what all the agreements and verbal assurances were based on.I swear on my child’s life that he told me that he had never had anyone lose money on his business transactions and we would be reaping the benefits of our arrangement for the remainder of our lives.GMK



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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. 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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. 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