VO Financial REVIEW: VO Financial Corporation clients, feel safe, confident & secure when doing business with VO Financial Corporation. VO Financial Corporations commitment to client satisfaction, exceptional client experiences. Commitment to Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program, ..A program that benefits the consumer, assures them of complete satisfaction & confidence when doing business.

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*UPDATE: VO Financial Corporation recognized by Ripoff Report Verified

Ripoff Report Verified REVIEW:

EDitors UPDATE: Positive rating and recognition has been given to VO Financial Corporation for its commitment to excellence in customer service.



..The information provided in this report is based on comments made by Joshua Gayl and his staff during an on-site inspection held by a third party verification company with no biases toward VO Financial.

Ripoff Reports discussions with VO Financial Corporation have uncovered an ongoing commitment by the company to total client satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. [continued below]....

..... VO Financial Corporation listens carefully to client concerns and sees them as an opportunity to learn from past mistakes and become more efficient as a company in the services offered and the support for those services.

VO Financial Corporations co-owners, Adam and Ashley Lacerda, have informed us that their mission is to educate and empower today's timeshare owners by delivering quality, trustworthy customer care and service before, during, and after their services are completed. Based on their extensive experience in the timeshare industry, they know how frustrated, disappointed, and stuck timeshare owners feel about their existing timeshare because of their developer's deceptive sales practices. Using the Debt Reduction Deed Replacement and Debt Reduction Inspired Vacation programs, VO Financial works closely with clients every step of the way to eliminate their large debt incurred as a result of their original developers deceptive and/or fraudulent practices and acquire affordable vacation ownership that meets their clients expectations for beautiful properties and incredible destinations without breaking the bank. Adam and Ashleys formula is simple: through honesty, integrity, and reliable service, now and in the future, VO Financial has quickly become the industry leader in protecting and assisting timeshare owners.

VO Financial Corporation actively trains each of its employees to make sure that customer satisfaction is a top priority. VO Financial Corporation brings in talented and experienced individuals who will assist in achieving their client's goals. Their dedication to integrity, honesty and a desire to help families achieve their vacation dreams is what VO Financial Corporation prides itself on. VO Financial Corporation is constantly working to create and provide new programs designed to meet the demands of its existing and future clients. VO Financial Corporation also strives to improve the services it already has in place. If VO Financial Corporation can be of any assistance, consumers are encouraged to call 1-800-381-9469 or email VO Financial Corporation at customercare@vofinancial.com

VO Financial Corporation recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Ripoff Reports Investigation VO Financial Corporation has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience.

VO Financial is a company that is strives to improve customer experiences by constantly introducing new processes internally to provide a great customer experience. They have joined the Consumer Advocacy Business Remediation and Customer Satisfaction Program because it lets clients know VO Financial has fair and honest practices. They also feel as though the CAP program increases their company creditability that helps potential clients feel more confident in their services.

The company works with people that are unhappy with the terms of their timeshares. Their services provide clients with the opportunity to legally take them out of their timeshare agreement and place them in one that they are able to afford. Their services also provide debt reduction and deed replacement as they are able to be in alternative vacation agreement.

In the past, VO Financial has received complaints of developer harassment of their clients. These complaints have been resolved through implementation an internal follow up process. As a result, VO Financial has also discovered that their sales have been closed through offering a clear and honest choice about the programs. They feel as though the product sells itself when presented to prospects.

Additionally, there has been confusion about relationships with Wyndham Hotels and VO Financials relationship with them. Joshua Gayl, the owner of VO Financial states that while he used to work for Wyndham, their companies currently do not have any contractual relationship. However, Wyndham has previously filed lawsuits against VO Financial but they were not in legislation and had no cases against them at the time of the onsite verification.

VO Financial works to provide excellent customer service to ensure their clients are satisfied with services provided. Their company mainly works on leads from a referral company. The customer service department provides a once a month follow up call to their customers to ensure satisfaction. They are always working towards making sure all transactions and communication is clear before the sales process has ended.

One example of their commitment to great customer service has been through working with a client that has a brain injury and has short term memory. To ensure everything is clear the customer service representative spends a considerable amount of time on the phone with the client and transcribes the conversation. After the conversation, the customer service representative emails the client the transcribed notes to ensure they have a reference of the information discussed.

In summary, after our investigation, which included discussions with the co-owners, management staff, sales consultants, and customer service, Rip-off Report is convinced that VO Financial Corporation is committed to delivery of quality services resulting in total client satisfaction. Read some of VO Financial Corporations existing clients testimonials.

Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, its a long name for a program that does a lot for both consumers and businesses alike.

Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.

As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer ..

======== NOW TO THE ORIGINAL REPORT THAT WAS FILED

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VO Financial Group  Tried to rip me off using scam tactics to relieve me of my Timeshare debt with Wyndham Egg Harbor Township, New Jersey

This company called me last year in November of 2011.  I was called by a Lauren Miller and she stated she was calling about some complaints I had with my timeshare account and they are a company that can investigate the problems and get me some relief.  She then sent me the following email:

It was very nice speaking with you today and I look forward to discussing your situation further. Please take a look at the attachment I have provided and see what situations may apply to you (there may be more that has happened to you than on there, but they are the most common misrepresentations). At this point, please take a moment to send me a reply email with everything that has occurred during your previous purchases and overall ownership and how this has affected you. Once I have this email in I can get it into our committee to review and hopefully come up with some kind of resolution for you. Please do not hesitate to call with any questions.

Thank you,

Lauren Miller - Consultant   
2900 Fire Rd | Suite 101 | Egg
Harbor Township, NJ 08234
Phone: 800-3891-9469 ext. 113 | Fax: 800-537-2407
  Email:  lauren.miller@vogroup.net
Website: vacationownershipgroup.com

I was then called last week by a Joseph stating that he came across my file and wanted to know if I still wanted their services, because if they have not done anything in a year, they would need to close my file.  He presented the same scenario and asked me to email him with all the problems I have encountered. He had a strong sense of urgency. He told me to include in the email when a good time would be that a senior analyst can call me.  His name would be "Pat Murphy."  I sent the email, we made the appt. but no one called me when it was scheduled...then the other day, a guy calls me from a very similar phone number to Joseph's, which has a "609" area code.  He spoke to me for about 25 minutes and explained he could reduce my debt and get me completely out of my debt with my timeshare and get me into their "Inspired Vacations" program where I can still vacation for 50% off the advertised prices online of anywhere of my choice.  All I had to do was pay VO Financial $6900.00 but they do not finance.  He said i would be completely free from my timeshare mortgage and any maintenance fees.  He said that the Timeshare companies legally "have to let them do this," because there is legislation in place that forces them to do so.  He gave me so much info that I felt overwhelmed and stated that I'd like to make an appt. for him to call me again to go over this with my husband and I together.  That day hasn't arrived, but because he seemed so pushy, and because I have been scammed many times before, I had my doubts.

So I started to first research their website which he encouraged me to do so, and then I looked them up in the better business bureau website.  I couldn't believe what I found!  I read a 67 page affidavit from the news page on the United States Attorney's Office District of New Jersey page reported on 4/17/12.  Here is where I first read about how it is all a scam! I felt such relief that God saved me once again from putting out thousands of dollars again!

Then I looked up their name in the ripoff report website and found corroboration from a citizen with a similar experience....Employees from VO financial, formerly known as VO Group are attempting at a rebuttal but the affidavit where the FBI has investigated and arrested the employees of this company convinced me more! My question is....where is this investigation and are all those employees currently still incarcerated, because they are STILL practicing this scheme as I've been in contact with these people as late as 8/14/12! 

I hope my report along with the other anonymous affected persons, "Concerned citizen," and "Ann," will be helpful to other potential victims.  I will be contacting the US attorney on this case to notify him that they are still at it.