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Free Speech SPM RESORTS

Reply to:NAAS EAS/N2 Form GEC 002

An NAAS DEIA Media Report:
An investigation of SPM Resorts, Inc.,
Business license #9902, Issued 6/1/2001
Blue Beard Castle Hilltop Villas III.  
and time-share scams.
Allegations: 
VIOLATION OF THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT;
VIOLATION OF 18 TITLE U.S.C. §1341, PROHIBITING MAIL FRAUD;
VIOLATION OF  §5(a) of the FTC Act, 15 U.S.C. §45 (a)
VIOLATION OF 18 TITLE U.S.C., Part I, Chapter 47, §1028(a)(7),  
an offense related to the Identity Theft and Assumption Deterrence Act of 1998 
 


NEWS, Commentary & Analysis
This brief Media Report contains a subject matter of general and public interest, and should be read only by persons interested in the subject and contents therein. Routinely, we receive inquiries from consumers requesting that we investigate particular persons, industries, companies, or methods.

This report is a public service announcement that details scams by time-share companies, and an alleged billing and identity-theft scheme by persons associated with Southern Property Management, Inc., a/k/a/ SPM Resorts, Inc., a company based out of Myrtle Beach, South Carolina. SPM Resorts, Inc. is a management company that purportedly manages numerous time-shares across the U.S., and is responsible for invoicing alleged time-share owners annual dues or maintenance fees that are assessed against persons that the management company claims are "owners" of the subject time-share condominium interval units. One of the principal clients of SPM Resorts, Inc. is alleged resort developer BlueBeard's Castle Hilltop Villas III.

From the moment you disembark from your airplane, tourists who visit the Caribbean islands of St. Thomas Virgin Islands, St. John's, St Kitts, and nearby islands are often targeted by over-zealous salespersons hawking scam time-shares.

To 'bait' these tourists, they are often asked to complete guest-cards to be eligible for free or reduced price excursions. These cards require listing their name, mailing address, and phone number. Unbeknownst to these tourists, however, is that this information can subject them to fraudulent practices of identity-theft, and misrepresentation of their name on a real estate deed for property in the U.S. Virgin Islands that they do not own and have never seen.

Although the mechanics of the scams vary, the bottom line is that many tourists are baited into 'deals' they are not aware of until the bill arrives in the mail; or, many tourists who believe that may have legally bought a time-share unit find out later that their unit either does not exist, was demolished, is owned by another person, or that the developer who claims ownership of the unit was not the legal owner after-all, and therefore had no legal right to sale something it did not own in the first place.

The time-share industry is full of crooks, scams, and determined thieves whose number one objective is separating the consumer from his/her pocket book, and then using corrupt tactics to enforce its will upon the consumer.

With respect to Bluebeard's Castle Hilltop Villas III, and several other alleged resort developers, they have an exclusive arrangement with SPM Resorts, Inc. to invoice alleged or perceived "owners" of time-share units located at BlueBeards's Castle.

Meridian Financial Services, Inc., is a collection agency licensed in North Carolina, but has offices in Las Vegas, NV, and elsewhere. Alleged owners or persons that question the legitimacy of invoices sent by SPM Resorts, Inc., are routinely referred to Meridian Financial Services, Inc. For reasons outlined hereinabelow, this company is quite suspicious.

On August 1st, 2004, Meridian Financial Services, Inc., had its corporate charter permanently revoked by the Nevada Secretary of State, according to public records. The company employs Stephen Quitman, and Robert Mills. The company had been registered as a domestic corporation, but after its domestic status had been revoked it re-organized as a "Foreign Corporation." As part of a clever legal strategy, it installed these persons as officers:

Resident agent: CORPORATION TRUST COMPANY OF NEVADA
6100 NEIL ROAD
RENO, NV 89511
Note: This is a non-natural person. 
This same entity is a resident agent of over 32,000 companies,
according to Nevada public records.
Treasurer/Director: JOHN GALEA
6262 SUNSET DR.
MIAMI, FL 33143
Secretary: KAREN L GREEN
21 OVERLAND IND BLVD BLDG 1
ASHEVILLE, NC 28806
Director: JEANETTE MARBERT
6262 SUNSET DR.
MIAMI, FL 33143
Director: GREG NASH
6262 SUNSET DR.
MIAMI, FL 33143
President: GREGORY B SHEPERD
21 OVERLAND IND BLVD BLDG 1
ASHEVILLE, NC 28806

To confuse federal and state authorities about the affiliations between the entities that develop the interval time-share properties and the actual companies that manage the properties, and the various subsidiaries, it is common within the time-share industry to create companies with similar names, and shuffle subsidiaries like dominoes or playing cards. When heat is pressed against one-card, the shuffler simply rotates (changes the company name and owner) to another hand. It is this technique that keeps law enforcement agencies and consumers from investigating the fraudulent patterns of ownership.

Consider these facts with respect to BlueBeard's Castle Hilltop Villas III. As of January 1st, 2007, Fairfield Resorts, Inc. has been listed as the owner/developer of BlueBeards Castle Hilltop Villas III. In the spring of 2007, this same company purchased Wyndham Vacation Resorts, Inc. Wyndham Vacation Resorts, Inc has a principal address of 8427 South Park Circle, Orlando, FL 32819. In fact, Fairfield Resorts, Inc. also has a principal business address of 8427 SouthPark Circle, Suite 500, Orlando, FL 32819. The company that issues the deeds to purported owners of the time-share units has the same address as the purported developer.

However, instead of retiring the Wyndham Vacation Resorts name as is typical when a majority owner takes control, and desires to spread the successor's brand name, the old and subdued Wyndham Vacation Resorts, Inc is still prevalent upon the fairfieldresorts.com website, and most stationery.

In recent times, there are numerous instances when a consumer has contacted Fairfield but instead they are told that the company has been sold to or bought by Wyndham Vacation Resorts. Consumers with unsettled complaints are referred to either the "new" company or some company claiming to be an affiliate of the "new" company.

At the same time that fairfieldresorts.com is displaying images and symbols that suggests the website is owned and operated by Wyndham, an affiliate of Wyndham Worldwide Corporation, called Wyndham Hotels and Resorts, LLC, operates a nearly identical website at http://www.wyndham.com/main. This website makes no mention as to whether or not it is owned by or associated with Fairfield Resorts, Inc. no exact street address is listed, howeve when one attempts to contact the company, the website refers a reader to http://www.wyndhamworldwide.com/ instead of fairfieldresorts.com, the website of the alleged purchaser.

In clicking on websites that Wyndham Worldwide claims to be official affiliates, the fairfieldresorts.com is not amongst the ones listed.

Equivest St. Thomas, Inc. is a subsidiary of Fairfield Resorts, Inc., claims a telephone operator employed by Fairfield. Fairfield Resorts, Inc. also operates its own title and recording business at the same address used by its other subsidiaries.

Despite its questionable customer service record, SPM Resorts, Inc. has been expanding its business partnerships. The Timeshare Beat, an online research website featuring timeshare news, claims that SPM Resort, Inc. has taken over management responsibilities for The Blue Tree Resort at Lake Buena Vista in Orlando, Peppertree By The Sea in Myrtle Beach, SC, and Outer Banks Beach Clubs I and II at Outer Banks, NC.

Aside from commentary from numerous consumer-oriented websites, public files from a Consumer Proctection Agency paint an unflattering image of SPM Resorts, Inc., and its executive officers, as well as details of alleged unsavory and/or illegal acts that the company is apparently willing to do collect upon a perceived or fabricated debt.

Consumer Allegations of Fraud, Deception, and Identity-theft Unanswered
On or about JULY 19TH, 2006, public records indicate that a consumer sent a certified letter to SPM RESORT MANAGEMENT, 1051 SHINE AVE, MYRTLE BEACH SC 29577 to the attention of "Tom Anderson", an alleged Executive Vice-President of the company. The consumer demanded documentation that evidenced the legality of the billing practices of SPM Resorts, Inc. In other words, why was SPM Resorts, Inc. sending invoices to persons who claimed they had no relationship with the company, who claimed they did not own or buy any time-shares associated with the company, who claimed they had no outstanding loans with the company or their affiliates, and who stated they did not wish to be associated with SPM Resorts, Inc? None of the questions were answered or responded to by Mr. Anderson or SPM Resorts, Inc.

In addition to the simple requests above, the consumer and/or his/her attorney also requested the following documentation:

  1. A copy of all lawsuits filed against Fairfield Resorts, Inc., SPM Resorts, Inc., and the Bluebeard’s Castle Pirates’ Pension Condominium Association within the past two years;

  2. A copy of the legal Answer filed by Fairfield Resorts, Inc. to the complaint made by the Hilltop Owner’s Association that alleged ACTION FOR CRIMINALLY INFLUENCED AND CORRUPT ORGANIZATIONS ACT; COMMON LAW FRAUD; COMMON LAW CONVERSION; BREACH OF FIDUCIARY DUTIES; BREACH OF EXPRESS TRUST; ENFORCEMENT OF EQUITABLE LIENS AND CONSTRUCTIVE TRUST; COLLECTION; ENFORCEMENT, FORCLOSURE OF STATUTORY LIENS.

  3. The complete details of the business and financial relationship between SPM Management Company, Fairfield Title and Deeding, SPM Resorts, Fairfield Resorts, Inc. and Hilltop III Owners Association;

  4. All records, documents, notes, and correspondence with respect to the Account in question;

  5. Documentary evidence that the time-share SPM Resorts, Inc. claims to be owned by the consumer, and presumably located at Bluebeard’s Castle Villas, has not been demolished, is currently inhabitable, and is currently in compliance with all relevant building and tenant codes per U.S. Virgin Island local laws.

  6. A certified copy of a fee simple, recorded, Grant, Bargain, and Sale Deed evidences ownership by the consumer that he/she purchased or bought the time-share in question and that a notary public witnessed the consumer affixing his/her name to Grant, Bargain, and Sale Deed.

  7. Evidence that a Grant, Bargain, and Sale Deed has been recorded to the consumer, and that predates the latest invoice sent by SPM Resorts, Inc. by at least 7 years;

  8. Evidence of a legible, certified, copy of the original purported “purchase agreement” from a lawfully registered and *independent title company — *not affiliated with alter-ego companies of SPM Resorts, Inc — that authorizes SPM Resorts, Inc., and/or its predecessors or assigns, to invoice consumer for specific alleged “fees."

Public records indicate a deadline of August, 3rd, 2006, was provided for a response. It is traditional for most companys to respond to consumer concerns, and certainly criminal allegations of fraud and identity-theft hurled against them. In this case,tThe deadline of August 3rd, 2006, came and went without any response whatsoever from SPM Resorts, Inc., consumer records show. Law enforcement officials generally treat unanswered allegations as true.

Apparently, are we to assume that SPM Resports, Inc. is of the opinion that?:

  1. It is not subject to the same consumer protection laws that all other companies in the United States of America must abide by;

  2. SPM Resorts, Inc. can commit federal crimes without liability;

  3. SPM Resorts, Inc. believes that the State of South Carolina will not enforce its consumer protection laws, and that it is routine for the company to use criminal methods in its business paractices;

  4. SPM Resorts, Inc. believes that the State of North Carolina will not enforce its consumer protection laws with respect to the conduct of Meridian Financial Services,Inc, and that it is routine for that company to use criminal methods in its business paractices;

  5. It is routine for customer service in the time-share industry to be sub-standard.

Either way, SPM Resorts, Inc., needs further scrutiny. Perhaps there is something going on with this company that neither I or many other persons know about.

No evidence of ownership at Tax Recorder’s office of the Virgin Islands
It is within the jurisdiction of the federal government or state officials to pursue criminal prosecutions of a person or company if that person or company transmits or sends fraudulent invoices to another person, sends letters to another person threatening to defame his/her character if a fabricated debt is not paid, and illegally referring a fraudulent invoice to a “collection agency” in violation of the Fair Debt Collection Practices Act.

Federal, as well as state action, may include, but is not limited to, seeking an ex-parte judicial order for an arrest warrant— against any officers, director, manager, and/or employee of any “collection agency” used by the fraud perpetrator, as well an arrest warrant for Tom Anderson for allegedly orchestrating these matters.

This Publisher contacted various government officials employed by Office of the Recorder of Deeds on the U.S. Virgin Islands. Conversations with these persons yielded the conclusion that no recorded deed existed to support the claim by evidence whatsoever, no deed of any type, existed that indicated the consumer owned the time-share in question.

Recruitment and Illegal use of Meridian Financial Services, Inc.
Cease and Desist Notice

On or about June 10th, 2007, the consumer claims that an employee of Meridian Financial Services, Inc. contacted the consumer via letter. The employee used the name “Stephen Quitman.” The letter suggests he was based at 21 Overland Industrial Blvd, Bldg #1, P.O. Box 1410, ASHEVILLE NC 28802-1410. However, an additional investigation and telephone trace determined that Mr. Quitman was not in North Carolina but was really in Nevada at 3140 Polaris Ave, Suite #3, Las Vegas, NV 89102. This address is shared with CREDIT MAX LLC.

Public records indicate that Quitman used the U.S. mails to send the consumer an invoice that the consumer claims is fraudulent invoice. Quitman was listed as the lead contact person on the invoice. However, telephone calls to Mr. Quitman for verification of the invoice were not returned.

Statement made by Meridian Financial Services:
"Unless you notify this office within 30 days after receiving this notice that you dispute the validity
of this debt or any portion thereof, this office will assume this debt is valid
"
On or about JULY 19TH, 2006, public records indicate that a consumer sent a certified letter to SPM RESORT MANAGEMENT, at 1051 SHINE AVE, MYRTLE BEACH, SC 29577 to the attention of "Tom Anderson." The letter disputed the validity of the debt or invoice claimed by SPM Resorts, Inc., and requested documentation for verification of the same. The consumer sent a notice to SPM Resorts,Inc. More than a year later, SPM Resorts, Inc., had not responded to the letter but continued to send frauduent invoices.
On or about July 30, 3007, a Complaint Analyst employed by the Department of Consumer Affairs of a state Consumer Protection agency sent a letter to Ms. Barbara Feagin, Executive Secretary of Compliance Dept., Real Estate Commission and Appraisal Board, located in South Carolina. The letter states "Our evaluation of the complaint indicates that your agency has jurisdiction in this situtation."
On or about August 6th, 2007, a second Complaint Analyst employed by the Department of Consumer Affairs, received a copy of consumer's complaint, and contacted SPM Resorts, Inc., in regards to the same. A specific deadline was set for a response. The Complaint Analyst sent additional notices to SPM Resorts, Inc., and each notice informed SPM Resorts, Inc. of the consequences of a non-response. SPM Resorts, Inc. did not issue a response in the time frame stated. As of September 22nd, 2007, neither had the consumer received a response from SPM Resorts, Inc.

DEMAND FOR DOCUMENTATION/EVIDENCE THAT
SUBSTANTIATES LEGALITY OF BILLING SCHEME
Concerned that either SPM Resorts, Inc. and/or Bluebeard's Castle Hilltop Villas III had hired or recruited a collection agency to augment a false-invoice billing scheme, the consumer wrote a second notice SPM Resorts, Inc., copy attached to to Mr. Quitman requesting verification of the debt or to cease writing to the consumer unless the company could produce substantiation of the alleged debt.

The consumer states that a copy of the letter was sent to the legal department of SPM Resort Inc., its Registerd Agent William R. Young, Wyndham Resorts, Fairfield Resorts, Inc., Equivest St. Thomas, Inc., Meridian Financial Services, Inc., and Bluebeard Castle Hilltop Villas, III.

Public records indicate the letter demanded the following evidence:

  1. A lawfully recorded Grant, Bargain, and Sale Deed evidencing direct ownership by Bluebeard Castle Hilltop Villas, III, or one its members or affiliates of the subject interval time-share unit;
  2. Evidence from a U.S. Virgin government agency that a Grant, Bargain, and Sale Deed has been recorded in the name of the claimed debtor, and that this recording predates the Meridian debtor notice (June 11, 2007) by at least 7 years;
  3. A legible, certified, copy of the original purported “purchase agreement” from a lawfully registered and *independent title company — not affiliated with Bluebeard Castle Hilltop Villas, III — that authorizes SPM Resorts, Inc., and/or its predecessors or assigns, to invoice the claimed debtor or specific alleged “fees”;
  4. Evidence or documentation that the claimed debtor wilfully, knowingly, and volunteered to execute, and did execute, a promissory note to Fairfield Resorts, Inc., or any member of the Gang;
  5. Evidence or documentation that any promissory note to Bluebeard Castle Hilltop Villas, III by the claimed debtor is on file with a lawfully registered AND independent title company that predates the Meridian debtor notice (June 11, 2007) by at least 7 years;
  6. Evidence or documentation that any promissory note to Bluebeard Castle Hilltop Villas, III by the claimed debtor has an outstanding balance, AND evidence of past “loan” payments made by the claimed debtor to Bluebeard Castle Hilltop Villas, III;
  7. Evidence or documentation through the period from July 1st, 1994, to the current date below, that substantiates claims by Bluebeard Castle Hilltop Villas, III of submittig periodic invoices to the claimed debtor;
  8. A copy of all lawsuits filed against Fairfield Resorts, Inc., SPM Resorts, Inc., and the Bluebeard’s Castle Pirates’ Pension Condominium Association, Bluebeard Castle Hilltop Villas, III, within the past two years;
  9. A copy of the legal Answer filed by Fairfield Resorts, Inc. to the complaint made by the Hilltop Owner’s Association that alleged ACTION FOR CRIMINALLY INFLUENCED AND CORRUPT ORGANIZATIONS ACT; COMMON LAW FRAUD; COMMON LAW CONVERSION; BREACH OF FIDUCIARY DUTIES; BREACH OF EXPRESS TRUST; ENFORCEMENT OF EQUITABLE LIENS AND CONSTRUCTIVE TRUST; COLLECTION; ENFORCEMENT, FORCLOSURE OF STATUTORY LIENS.
  10. The complete name and address of the specific person from SPM Resorts who recruited Meridian Financal Services to pursue an alleged debt against the claimed debtor;
  11. Copies of all records, documents, notes, a certified judgement(s), and/or any other documentation from the Gang that substantiates the legal validity of the debt;
  12. Documentary evidence that time-share interval in question has not been demolished, is currently inhabitable, and is currently in compliance with all relevant building, planning, and tenant codes per U.S. Virgin Island local laws.
Neither SPM Resorts, Inc., the collection agency that it recruited (Meridian Financial Services, Inc.), or of their affiliates had issued a response to these questions in the time frame requested.

However, a second employee of Meridian Financial Services, Inc., named Rober Mills managed to get his company further in the whole with SPM Resorts, Inc.

Violation of 18 U.S.C. §1028, as well as a violation of U.S. mail fraud
On or about July 9th, 2007, Mr. Robert Mills of Meridian Financial Services, Inc., sent to the consumer via the U.S. mails what appeared to be a hastily prepared back-dated document that purported to be a “deed” recorded as late as “May 16th, 2007.”

Prior to this date, the consumer claims he/she had not seen such a document or been made aware of its existence. Neither did SPM Resorts, Inc. or it client BlueBeards Castle Hilltop Villas III produce such a document when the consumer originally sought evidence of the debt.

The consumer insists that the documentation sent by Meridian Financial Services, Inc, a recorded “deed”, was done without the explicit notarized consent of the consumer. An examination of the alleged phony deed shows the names of Charlene Lehto, an alleged witness; Susan Clifton, an alleged Notary Public; sharon David, director of Title Services of Equivest St. Thomas, Inc; Lashunda Davenport, Assistant Secretary, an employee of Fairfield Resorts, Inc; and, Jacqueline Taylor, a Notary Public, employed in the state of Florida.

However, no where on the document is the actual signature, consent, and authorization by the purported owner and, in this case, the alleged debtor. Put another, either you or I can create a phony deed in the name of another person, and claim that the persons owes you money. 99.9% of all real estate transactions make provisions that both parties to the transaction must agree.

Using the name of another person in a recorded deed appears evidence of a violation of federal identity-theft statutes. Use of the U.S. mails to collect payments on the premise of fraud is a violation of mail fraud statutes.

Conclusion
In closing, the words of Meridian Financial Services said it best:"Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid" Well, that same argument certainly applies to eveyone else, including the client of Meridian Financial Services. SPM Resorts, Inc. was provided over a full year to respond to consumer fraud allegations, and chose to ignore the consumer, and stiff-arm its purported source of revenue.

Public records indicate the company DID NOT respond to allegations and concerns first voiced by the consumer in the time frame of 30 days, or even the time frame of an entire year!! Neither did the company respond to the concerns of a state Consumer Protection agency in the time-frame stated, says a post-card notice that the consumer received. One can assume that other consumers have been stiff-armed by SPM Resorts, Inc.

If you feel you are a victim of fraud by SPM Resorts, Inc., or you believe that Meridian Financial Services engages in felony crimes (manufacturing phony real estate deeds in the name of non-willing parties, using the U.S. mails to deliver false statements) simply to justify a debt, then please report these matters to the appropriate law enforcement authorities, or complete NAAS EAS/N2 Form GEC 002.

The consumer claimed that a complaint was also filed against Meridian Financial Services with the North Carolina Department of Insurance, but an analyst there felt that Meridian could use any so-called "collection tactics" it chose to because the dispute was a "contractual" one. Perhaps the perverted and human slime Duke University players (Reade Seligmann, David Evans and Collin Finnerty,) the ones who invited and hired profanity-laced female strippers into their frat house, should have claimed the alleged rapes they were involved in were merely "contractual"

Since the case never went before a jury, and since the unusual action of disbarring the prosecutor took place, we will never know what really happended in that case. What we do know is that it is immoral and perverted for any college student to be in the company of strippers, disreputable persons, to consume alcohol on campus, and to engage in any conduct that would discredit his/her character. Contrary to media depictions of these three privileged punks, Reade Seligmann, David Evans and Collin Finnerty are no saints.

Still sniveling for money, SPM Resorts, Inc., is back at its old ways. It recently sent the consumer another notice for payment of a &34new invoice." How ironic? SPM Resorts, Inc. can find the time and resources to beg for money under suspicious circumstances but is apparently unwilling to respond to government inquiries about its conduct and business practices, and the legitimcy of its services?

I would encourage the consumer to ignore SPM Resorts, Inc., and ignore any invoices it believes are fraudulent.

Any way, that's my opinion. What's yours?

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