The Ramsey Show - App - A Timeshare Presentation Ruined My Wife's Birthday Trip! (Hour 3)

Episode Date: June 3, 2021

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🎵 Live from the headquarters of Ramsey Solutions, broadcasting from the Dollar Car Rental Studios, it's the Ramsey Show, where debt is dumb, cash is king, and the paid-off home mortgage has taken the place of the BMW as the status symbol of choice. A couple of weeks ago, I stepped onto the air and started talking to you guys about the timeshare industry. Now, I pick on rent-to-own guys, payday lenders, credit card companies, car leases, whole life companies, all for one reason and one reason only, because they screw you, the consumer. They're ripoffs. They're not good for you.

They don't cause you to win. I have not advocated for legislation to ban them, because I would rather you guys just put them out of business by stopping your use of payday lenders. If I could educate enough people how bad payday lenders are, they would quit going to them, and then they would dry up and they would go away. If I could tell enough people to buy term insurance instead of whole life insurance, I would, and then there would be, I don't need legislation to put whole life life insurance out of business. Instead, education and inspiration will do that.

I've been doing this for 30 years. And all during the time I've been on the air and the time I've been doing financial coaching, I am meeting people who have been screwed by the timeshare industry. they go in on a vacation, and they're told if they come to a short sales presentation, which will end up being from five to eight hours long, that they get a free hotel room. Well, that's not free. And then they buy something from $8,000 to $108,000, where they have the rights to use a hotel room, a condominium,

for one week or two weeks or three weeks or four weeks a year. They have absolutely no title to the real estate. They bought air. And they know they bought air when they try to sell it or get rid of it because you can't sell it. It's not an asset. They're all over eBay for a dollar and no one will buy them for a dollar because then you've signed up for the ridiculous ever-increasing maintenance fees where they gig you and gig you and gig you and gig you and gig you

and gig you over and over and over again. This is a $10 billion industry. They take a simple condominium project that they would have made a few million dollars on and they make hundreds of millions of dollars by selling it by the hour and by the week. To people who then own nothing, and they're in debt many times for $15,000 or $20,000 or $30,000 for this useless week, and they have problem after problem after problem after problem. If you have been screwed by the timeshare industry, you have a story to tell about getting locked in one of those rooms and not being able to get out until you bought.

Call right now. The phone number is 888-825-5225. That's 888-825-5225. If you have never fallen prey to this, and I have not, but most people that I know have, here is their proposal. We have not fed the tiger here at the zoo for several days. To say that he's greedy for a meal would be an understatement. However, if you will go into the tiger cage and sit with the tiger for three hours

and pet the tiger who's greedy for food and has not eaten in three days, we will give you a one-year pass to the zoo for free. And you folks sign up to pet the tiger in the tiger cage. And you think that this greedy tiger is not going to eat you, and you sit there, and you sit there, and you sit there, and you sit there, and you're pressured, and you're twisted, and you get hungry, and your blood sugar gets low. Many elderly people complained that they could not get access to their medicine, and the only way they could get to take their medication was to sign up to get out of the room.

This is unbelievable, unconscionable, over-the-top pressure from these companies to buy this completely useless product that does nothing but make the people selling it rich. If you sell timeshares, you are by definition scum. Stop it. Go get a good job. It's awful. You should not do that to people. You should have a conscience. You should look at what you're doing and think about what the people are going to end up

with five, ten years later after you sell them that. Well, Dave Ramsey, you sell people stuff. Yes, I do, and they are better for it ten years later, not worse. There is value in that. And I have no hesitation to do that whatsoever. Westgate, David Siegel is now 86-year-old billionaire, 86. His wife is 30 years his junior, and was the subject of the famous documentary back around 2012

called The Queen of Versailles, where they began building a 90,000-square-foot house. We're unable to finish it because Westgate almost went broke. This one is one of their timeshare testimonies online. Westgate, we were scammed into buying this timeshare only to be told the most important information, which was in a black binder given to us, was that we had 10 days to cancel. We are out of the 10-day period. We cannot use the timeshare for one year. Every piece of information given to us was a lie. This is about Westgate. Marriott. Owning this timeshare has been such a headache overall, but this COVID situation has really given them an excuse to further abuse people. I pay my $1,500 maintenance on time. By the way, can you rent a hotel room for $1,500?

This is after you paid $14,000 or $28,000 to own the dad-blame thing. Pet the tiger, baby. Pet the tiger. Nothing is ever available to trade. Weeks are lost, and now they have to be put into interval because Marriott won't extend the usage even though everything was closed due to COVID. On top of that, they never even put the points into interval. Says it will now take 12 weeks to press a button, which means I will lose three months of usage before it expires.

Endless hours on the phone and chat only to hear the same thing over and over again. You have to wait. Sorry. Thank you, Marriott. You screwed me. And they refused to allow me to speak to a supervisor or a manager. The worst of the worst is Diamond. In 2019, we were visiting a Diamond Resorts location and were offered a discount four-day

trip to Palm Springs if we attended a timeshare presentation while there. Go in the cage, pet the tiger. The staff pressured us relentlessly into making a purchase, while at the presentation we were told that these resorts were for the exclusive use of members, that this was a real estate investment, that not traveling more with our family made us bad parents. Finally, we felt that we needed to make the purchase, not only to leave, but so that our children could experience the lifestyle that this representative was promising. After that day, we continued to get hounded with calls from Diamond employees asking us when we'd be attending the

welcome presentation. Every time we tried to book it, nothing was available. Not only can we not book rooms, they ripped us off. What are we paying for? Diamond, thank you. In an uncertain world, being a good steward of your money is more important than ever. While some circumstances can't be controlled, there are items within your budget you can take charge of, such as your health care costs. For nearly 40 years, Christian Health Care Ministries, or CHM, has provided a budget-friendly means of sharing for medical bills when our members need it. Learn more by visiting chministries.org slash budget. That's chministries.org. We're talking about the largest legal fraud in America today.

It is legal, but it is an absolute ripoff. It's called a timeshare. If you've been ripped off by the purchase of a timeshare and you want to tell your story, you can call in right now at 888-825-5225. If you used to work for one of these companies and you want to tell the truth about what goes on behind the scenes, you can call us at 888-825-5225. Marty is in Phoenix, Arizona. Marty, what happened to you?

Hey, Dave. Hey, just a quick story. When I was 22 years old, my wife and I were freshly married, and she heard about this timeshare thing that you go there, and they give you a free barbecue grill or whatever to listen to their presentation. So she talked me into going to it, and it was the longest four or five hours of my life sitting there listening to this pitch that made no sense at all to spend like, I don't know,

it was like $15,000 to $20,000 for this timeshare thing that you could use. Then they brought out the big hitter guy that tried to really sell you on it. And even at that young age, I told the guys, it's just absolutely ridiculous. I can stay in a really nice motel for a lot less money than that. Well, you've got the option. You can trade, go someplace else and such and et cetera. And I said, well, if I want to do that, I'll just go to that place.

You know, just give him my stupid barbecue grill so he can go home. So I told my wife, we're never going to sit through an experience like that again. That was, what was that, 30, I'm 58 now. So how many years ago was that? Wow. 36 years ago. Yeah. So that experience stuck with you.

Did you actually get the barbecue grill? Yes, we did. It was one of those cheap little hibachi little things you know oh so even that was a rip-off it was a rip-off yes it was they stole your five hours so you yeah you you got paid a dollar an hour you got a five dollar barbecue grill that's for sure and i told my wife i said you know nothing is free in this world you know we had to spend five hours of our time for this cheap little barbecue grill. To me, it just made no sense. I've always lived by your

principles even before I heard about you. You know, to keep it simple, have no debt. We paid off our house in our 40s. We're your everyday next door millionaire. You know, just would advise people not to buy into nonsense like that.

You know, if you want to take a vacation, book a nice vacation someplace where you want to go and pay for it. But the timeshare thing is a total ripoff. Yeah. Yeah, I always think, I'm kind of like you, that, I mean, how many nights in a hotel room can you buy for $15,000? Exactly. A lot!

Yeah, you can get a really nice motel for that for, I don't know, a month or so, or a couple months. Plus $1,500 or $3,000 or $4,000 a year maintenance fees on top of that, and the special assessments. Don't forget those. Marty, thanks for calling in. Yeah, again, guys, going to the timeshare presentation is like going into the tiger cage.

The tiger is not eaten for three days. And you pet the tiger for three hours and try to not get eaten so that you get a one-year pass to the zoo. Don't pet the tiger. Just don't do it. Well, you know, and the hilarious thing is you think you're going to be the exception. And so you go down there and you lock yourself in a room with the tiger who is great there's nothing greedier than a timeshare salesman except his boss and his boss's boss people like mike flaskey the ceo that runs diamond who you talk about a character see they just sold

that to hilton and hilton has just damaged their wonderful national brand now because they took on the largest, most grotesque, and complained-about timeshare company in the world called Diamond International. And I don't know how much money Mikey got. If you're the CEO, I wonder how much stock in Diamond he owned, so how wealthy he became with that transfer to Hilton. You know, I wonder if that's public record. James, we ought to look that up.

That's probably in the SEC filings, since we're going to go ahead and continue to do these exposés on the interior workings of the timeshare industry. So how many of you out there think about this, saw that thing, The Queen of Versailles? Award-winning 2012 American documentary by filmmaker Lauren Greenfield with Sundance. So I watched it, and I got to tell you, I watched it because I'm pissed off at the timeshare people. They've been jacking around, and I'm finally just doing something about it. I'm body-blowing them right now. And so I watched this, and I just felt sorry for these people. They were just pitiful people.

It was hard to be mad at them because they were just pitiful. Just pitiful. Now, David Siegel is the owner of Westgate. He's now a billionaire again, but he almost lost everything during that 2008 downturn, and they were filming this documentary that came out in 2012. And get this. Now, Siegel and his wife bring them into the house, and they follow them around with their dogs pooping in the floor.

They've got a whole bunch of kids. The house is an absolute wreck. It's disorganized. Their spending habits are like they're in Congress, they're self-absorbed, it's a really sad, kind of like watching those reality shows where the people on there aren't even real, they're like cartoons, and you just feel sorry for them. Like, if that was your daughter, oh my gosh, how would you feel? If that was your sister, how embarrassed would you be?

You know, that's kind of how I felt for him. I felt bad for him, except that I sat there and watched this guy. And the first thing he did was not stop construction on his 90,000 square foot house. When his company got in trouble, he laid off 7,000 employees. But he didn't give up the 90,000 square foot house. That's just principally wrong, I think. But what do I know? I'm old-fashioned.

In 2010, this article says, in January 10th of 2012, the same year, Segal and Westgate Resorts filed a lawsuit in Florida against Sundance and the filmmakers of The Queen of Versailles, claiming that Sundance's published film description was defamatory. Now, I will say this. It did not leave old David and his wife looking in a good light. It was not like this was like a promotional piece for them, which is what I think they thought it was going to be because of their egos.

And so, but you let these people in your house and followed them around and had no guidelines on you overseeing the editing of this and they found that your dog's crapping in the floor, your kid's stepping in the dog crap and they put that on there and you don't think that and you think that's defamatory. It's not defamatory, it's what happened and you allowed them in your house to film it. So the judge threw that that out the arbitrator also wrote that westgate had failed to show it was damaged from the documentary finally the arbitrator wrote that westgate did not remotely establish the type of malice required for a defamation claim on behalf of a public figure

but let me tell you what a 10 billion dollar industry does when in doubt they try to sue their enemies into submission whether they're right or not we had an attorney on here last week when we were talking about this that said that he represents 15 different attorneys that they have run them out of their law practice these attorneys would go after the timeshare business to be caused their customer to be released from the timeshare, the timeshare company turned around and sued the attorney. And this guy has 15 of these attorneys that he's representing as an attorney against the timeshare business because all they did was try to run them out of business.

So that's what they do. And the problem is I'm neck deep in cash. I don't have any debt. So, guys, I'm not going to be that easy. I'm not a little one-man law firm. I'm not going to be that easy, Mikey. You've got a problem. It's me.

And you've pissed me off by ripping people off so long and then coming after me. And that was a mistake, Mikey. That was a mistake. It's going to cost you guys. This is just the beginning of how bad it's going to hurt. People, do not go to a timeshare presentation. Especially if it's Westgate, Diamond. Especially if it's Marriott.

Do not go into the tiger cage and pet the tiger. Don't do it. You're going to get bitten. Now, if you have had a timeshare experience and you want to share it, this is your time. We're going to do that in the next segment. The phone number is 888-825-5225. Hilton Grand Vacations has entered into a definitive agreement to acquire Diamond Resorts International, the largest independent timeshare operator in a stock-based transaction value $1.4 billion.

All on the back of people that went into the tiger cage. We'll be right back. In 2017, Arizona Attorney General Mark Brnovich announced that Diamond Resorts Corporation has agreed to settle for $800,000 in a case involving allegations of customer deception. Diamond Resorts is a timeshare sales company with resorts in the United States and international locations. According to the Attorney General's office, the company used deceptive sales practices. No, it's not possible. During sales presentations, the company allegedly made oral misrepresentations and false statements. No, it couldn't happen. Attorney General argued that Diamond Resorts has made misrepresentations about annual maintenance fee increases, of course.

Membership resale, there's no such thing. And buyback programs, they don't happen. Timeshare membership resale markets don't exist. The ability to rent timeshare vacations and discounts on other travel needs can't get it done. Their office charged Diamond Resorts with violating the Arizona Consumer Fraud Act. As per the settlement agreement, Diamond will need to make changes to its business practices. The settlement also includes the creation of a relinquishment program wherein consumers can return their timeshares if they want to and have no further obligations.

Good luck with that one. Good luck with that one. Just call up old Mikey and say, Mikey, I want out of my timeshare at Diamond. And you know what he'll say? I'll raise it right here, right here, right here. Yeah. Brandon is with us. Brandon is in Phoenix, Arizona.

Hey, Brandon, what happened? Hey, how's it going, Dave? I'm having way too much fun. What's up? I hear that. So I'm 28 years old, and my wife is just turning 30 this month. But about two years ago on her birthday, or maybe it was the year that we got married, we had gone down to Sedona Arizona for a birthday

and there was a nice gentleman on the streets offering a $50 stick gift card and we were you know kind of tight being newlyweds on money and so that gift card sounded nice to take her out for her birthday and then on top of that um we had to go sit through about an hour to an hour and a half presentation, as he put it on a diamond resort, a timeshare. And he said, at the end of it, we get a week long vacation that we get to choose from between, uh, about five packages. So it sounded good. We went to the, uh, the tiger's den, as you put it, and we actually, we made it out alive. It's a success story. But when we got there, it ended up being about three to four and a half hours, if I remember correctly. And then after I

got through the salesperson, she brought in her boss. And after I got through her boss, we had to wait around for about 30 to 40 minutes more and go sit through the final boss guy. And we finally left with our vacation package. But the funny thing is to this day, we still haven't had time to use it, let alone spend 20 to $50,000 on a timeshare that we would probably never spend that much in our lifetime vacationing, you know? Amen. And if you did, you could go to some really nice places. Even the free stuff isn't worth it. You know what I mean? All that free stuff isn't worth, you know,

what you have to go through to listen to these people. Yeah, and they're convincing. I actually just was at, we were in Cabo over Christmas, and I was playing golf. Sharon and I were playing golf at this really nice place, I thought. And when I finish up, the little guy comes over to me, hey, how'd you do? I thought he was getting my bags and stuff. And then he starts telling me, he goes, hey, man, did you pay for your golf?

And I went, well, sure. Of course I did. He goes, well, you didn't have to. And I went, really? Why? And he goes, well, I'll pay for it for you. And I went, oh, really? Why?

And he goes, well, we do that. And then I start to realize it just starts to dawn on me. This is an invitation to the Tiger Cage, all for a round of golf. And so I just said no honey it's okay it's okay he was going to refund me for my grain fees which were really yeah that would have been a real bad use of my time elizabeth's in boise idaho hey elizabeth tell us about your timeshare experience hello hi dave um dave i we're actually triple losers and you know we're not going to go back for more but our first one was at the Marriott Newport Coast in Newport Beach, California.

And they put us in this. We were supposed to be able to stay there, right, and have the sales pitch. We had the sales pitch and everything, but they didn't have any place for us to stay. So they put us in this real dumpy hotel. Okay, so that didn't go over, so we left that. Then we went to a we do in um in palm desert oh and we bought it we bought a one-bedroom darling place and we loved it we got the we got our to play golf and everything and then they got rid of the one bedroom

so they virtually pushed us out to where we would have to have been. They sold you a one bedroom, and then they got rid of the one bedroom so they couldn't provide to you what they sold you. Correct. Correct. And their answer to that was not to give you a refund, of course. Well, after many months and a lot of arguments and a lot of pushing and threatening, we finally got a refund. Because they virtually sold us a contract that no longer existed. Yeah, I would think.

I mean, that would be straight up, that wouldn't be legalized fraud. That would be just like fraud. Okay, so which company was that? That was Bermuda Dunes. And I don't know if it's its own entity i can't remember okay this time but uh that was a night say it again it was called what bermuda dunes bermuda dunes okay beware of the one bedrooms because they don't have them okay yes yeah so that just disappeared okay but that was a lot of fighting and a lot of stress

our third one as we as if we weren't the biggest suckers in the world, was Diamond and Sedona as your previous caller just identified. So Diamond and Sedona puts you through the ringer three or four hours you're listening, and they'll give you a little bit of food and maybe some orange juice to keep your glucose going in your blood. And then they don't really want you to go to the bathroom, and they don't want you to leave to go eat. And so I'm like, okay, so I can't even hardly urinate here. So we stayed there and went through that.

And then they put us in the dumpiest place I've ever seen for the night. And I'm like, this this is unbelievable after you sat through all that believable after we sat through all that we stayed one night and then i called them back i called the showroom thingy whatever people and i said this is ridiculous and she said okay we've got another place for you it was worse than the first one oh my gosh but you didn't buy there. So that was, oh, I will never buy a timeshare or visit one of these crooks again. Okay. I'm sick and tired. I love it.

Thank you. You're awesome. Thank you. Thank you so, so much. Randy is in, I'm sorry, Glenn is in Jackson, Tennessee. Hey, Glenn, tell us your timeshare story. Hey, Dave. Hey, Glenn, tell us your timeshare story. Hey, Dave. It was 2005.

My wife and I were on our honeymoon in Gatlinburg. We were approached by a young woman in a gas station parking lot. Offered the cash prize to come through the spiel. Yeah, because I generally get really good things by people who approach me in a gas

station parking lot. Yeah, of course generally get really good things by people who approach me in a gas station parking lot. Yeah, of course. They're at, you know, they pop up like weeds everywhere. They're somewhere. Yeah, I think. But we were convinced to buy a vacation package, and we upgraded from that the year we took our vacation and we actually used our time share uh for every other year for six years uh it's at the great smoky mountains this was west gate resort and um and then similar to your last caller um the unit that we were

we're using each uh every other year was going to go away. And so basically, we were basically flat out told we would own something that wasn't worth, quote, unquote, own something that we couldn't use, you know, as they define ownership. And so we sat through hours of trying to decide what to do at a different, well, it was with the Westgate, but a different resort, rather, and they convinced us to upgrade. We're the fictional stories of being able to sell later or rent later, and so it was actually a godsend that we found out about Timeshare Exit Team from your program and worked with them and had a successful exit.

Oh, they got you out. It's probably, they did. Oh, very good. Three or four years ago, this was finished, and in the time since, they've gone through, obviously they've been successful because Timeshare companies have come against them hard. Yeah. And it was our, it was my distinct pleasure, actually,

to speak on their behalf and say, hey, we were the ones swindled by timeshare companies. Not timeshare, except anybody. We'll come back and talk about that a little bit. That'll be a good thing to let everybody know about. This is The Ramsey Show.

Our scripture of the day, Proverbs 18, 15. The heart of discerning acquires knowledge. For the ears of the wise seek it out. Albert Einstein says, it's not that I'm so smart. It's just that I stay with problems longer. You see, that's me. I'm not that smart. I just stay with it.

Like this whole timeshare thing. I'm staying with it. So I'm going to keep talking about you guys. So here's the deal. So one of the problems I had here on the radio was that people needed to find inexpensive term insurance. So we went and found Zander Insurance and endorsed them. And they've helped a whole lot of people with their term insurance. People also needed help with their real estate. And we went and found real estate agents, and we call them endorsed local providers that we endorse all over America, some of the top real estate agents, and they're endorsed local providers, and so on.

And so one of the things we've done over the 30 years of being on the air is when we find a problem that you guys have, we don't necessarily need to get in those businesses. We just help someone that's already in those businesses help you. If they're reputable and they have the solution to your problem but i was getting all these calls for 20 years dave i can't get out of my time share i can't sell it i can't get them to call them i can't talk them into it i've offered to pay them to take it back they won't i've offered to sell it i've offered i can't get i can't donate it to charity i can't get rid of it i'm stuck so these two young guys call us and they had started a timeshare exit company called timeshare exit team and it was on a couple of radio stations it was doing pretty well around america and they

said they won't be on the dave ramsey show and i got guys when i put you on here and i say you can get people out of timeshares your business is going to explode exponentially. Well, that's what we want. I said, yeah, but can you handle all those phone calls? Can you handle all those cases? Can you get all this work done? Because, you know, you can't take all this business on and not take care of these people.

Well, I was wrong. It didn't explode. It exploded! I mean, it was amazing. And these poor guys, they were getting people out of timeshares, left and right, left and right, left and right, left and right. But they couldn't hire fast enough. They couldn't keep up with the phone calls. They couldn't keep up.

And every time we would get complaints because somebody wouldn't get their phone call returned or something, we'd get on them. And they'd say, I know we're hiring and we're doing this. And we even sent them some of our leadership training so that they could grow their businesses, so that they could get the job done to get you people out of your timeshares they got over 20 000 people out of timeshares and they were one of the most successful timeshare exit companies in america they weren't the first they weren't even probably the best but they were very successful uh we sent them a lot of volume obviously uh but they grew they outgrew their ability to return phone calls and get everything done.

They ended up just, they got overwhelmed because it was so stinking popular because people hate timeshares. So the timeshare companies decided to target them and start suing them and banding together and suing them. And Mike Flasky got up and stood in front of the Timeshare Association. Word is, I haven't found the actual transcript yet, but we've heard from bloggers in the industry that he stood up and said that the industry was pledging $50 million to put anybody in the Timeshare exit business out of business, that they were going to sue them until they ran them out of business. And so they started suing Timeshare exit team over and over and over and over again.

Then they talked the attorney general over in Washington State into going after them. I've yet to figure out how that happens. A little more to come on that later, I promise you. I'm just still investigating that. And he's trying to depose me, which is funny. And, man, I mean, this has been a a these companies are trying to depose me because i endorsed them of course i endorsed them they got 20 000 people are their timeshares but they've now been overwhelmed with legal fees and so they're no longer on the air with us because

they're spending all of their money trying to stay alive in these legal battles and so now i don't know i can't figure out how the timeshare business they have so much money they just buy their way into everything or intimidate their way into everything apparently because then inside edition which is a well-known what piece of crap tabloid thing right uh decides they're going to do a thing on timeshare exit team and they're going to do a thing on me because i endorsed them but timeshare exit team's ripping people off you got it wrong inside edition timeshare exit team isn't who's ripping people off it's the timeshare companies that are ripping people off so poor little poor little dumb lisa guerrero with inside edition decides she's going to do a story so she calls us and of course we

ignore her because they're doing a hit piece and you don't participate in your own hit piece it's a ruling media and i'm a public figure so why am i going to her because they're doing a hit piece. And you don't participate in your own hit piece. It's a ruling media. And I'm a public figure, so why am I going to give you information to do a hit piece on me? That's just dumb. So just jump in the creek. Besides that, you're inside edition. You're a tabloid. And little Lisa Guerrero.

I mean, everybody kind of knows about her. She's kind of a laughingstock. She was on Monday Night Football for a whole year. This is back in the 2000s. ABC Sports dismissed Lisa Guerrero from her job as sideline reporter on Monday Night Football, a position she held for just one season. She came to ABC from Fox Sports with limited sports broadcasting experience. Yeah, you think.

She'll be replaced by Michelle Toffola, a lead sideline reporter for ABC and ESPN. Her freshman season on Monday Night Football was filled with awkward moments, incompetence, mistakes, and most notably after the regular season opening between the Jets and the Washington Redskins, a stumbled interview with Patrick Ramsey. She could not improve. She was incompetent, dumb, and they fired her off of Monday Night Football. So now she's a star reporter on Inside Edition. So she attacks me in the lobby a week and a half ago of the omni

in dallas while we're there doing our entree leadership event ambushes you know one of these ambush things where they pop out with the microphone start running along trying to get the comment and all this stuff and i'm walking with one of my team members along and uh he steps between us and she is whacking him with her arm trying to push him out of the way to get to me and now she goes on instagram and says we attacked her and her arm is bruised so lisa we have the omni security footage and we've broken it down frame by frame and sweet girl here's how it works you will not hurt your arm if you don't hit people with it. You were not attacked. You were the attacker. And any of you that have seen the

bruises on her forearm, these are the bruises of someone that is aggressively attacking someone, not someone who is being attacked. You don't get a bruise across the whole front of your forearm when you're attacked that's when you're hitting someone that that happens and you go on national television and say dave ramsey's goons beat you up you poor stupid little girl i think maybe the way you hurt your arm is when you got in bed with the timeshare people that might have been when you hurt your arm that's very possible something for you guys to think about out there so this is how this stuff works out here when you deal with these multi-billion dollar companies multi-billion dollar companies will put failed sideline reporters from inside edition on you and on timeshare Exit Team and put Dave Ramsey up as if he somehow endorsed somebody he shouldn't have endorsed.

Was Timeshare Exit Team perfect? Absolutely not. Absolutely not. They took on too much business. They couldn't return everybody's phone calls. They did not do a stellar job. And we talked to them about it several times. We were trying to work with them and trying to work their way through it but basically they have been hammered now by legal fees and they can no

longer you know afford to be on the dave ramsey show to provide the service to get you people out of a timeshare because they're spending all of their bandwidth fighting with these bozos. People like David Siegel. And, you know, the Princess of Versailles. Right? Oh, my God. Or Mikey Flasky, who just got I don't know how much money from this Hilton sale. Diamond bought by Hilton. Hilton, you have a real problem.

You've just damaged your brand. You took on one of the most grotesque brands in all of timeshare. One of the most horrendous group of people, lack of character anywhere, and you made them part of Hilton. You guys really just screwed up. And you gave them $1.4 billion, and they screw people left and right every day. There's comments all over the Internet. The attorney general shuts them down, gets an $800,000 fine against them in the state of Arizona. And we just heard several diamond testimonies here on the air from people who tried to deal with diamond

or got screwed by diamond or any of these other things. So this is how this works, you guys. So here's the thing. Not many people get the opportunity to hit back on pieces of crap in the press when they do a bad job. I happen to have a platform that allows me to tell you people what really happened and what the real truth is. So, inside edition, in case you didn't figure it out, you suck.

That puts The Dave Ramsey Show in the books this hour. This is James Childs, producer of The Ramsey Show. You can listen to all our shows with the Ramsey Network app on your smartphone. Browse by topic or even send clips to your friends. Download the Ramsey Network app in your favorite app store today. Ramsey Network.