I was sold on resale until the agent said resale contracts were more often than not tied to fraud of some sort.
This is an outright lie and should be reported. While the chances of fraud in a resale closing do exist, I would estimate that it is less than half of a percent of resale purchases. To suggest that fraud occurred "more often than not" is reprehensible and should not go unreported.
His main selling point was that you could be told that the contract is loaded with current year points but there is no guarantee until you actually purchase and receive your points form Disney.
The first part of this is true in so much as it could happen. However, there are guarantees (or at least protections) as discussed previously in this thread.
He said most were stripped but sold as loaded and you were stuck once you purchased and found out the truth. Is this even remotely true?
No, no, no, no, no, no, no. Not even remotely true. In fact, not only is it not remotely true, it's patently false. Ok seriously, I'm starting to get mad now. Many resale contracts are sold stripped, but that is clearly advertised and sometimes reflected in the price.
If fidelity or timeshare store says a contract is loaded, can it be a lie or do they have the full info and have the points locked somehow so they couldn't be used once they are for sale?
These are legitimate companies that make their money by connecting buyers and sellers of Disney (and other) timeshares. They have full access to point summaries from Disney and they know exactly what they are dealing with and how to handle discrepancies.
I felt like he was just making it dark and scary.
Good observation. You can throw in "outright lying" as well. If what you say is true, your salesperson went beyond the gray area and outright lied.
When it was time to ask questions I casually mentioned if there were special perks to buying direct. That is when he laid it out.
There are perks to buying direct, and to some people they are worth paying the extra money. Here is where he could have made his sale, by convincing you that what you are giving up by buying resale is not worth the savings. Many disagree, but each is entitled to their own opinion and he's within his rights to try to do this, provided he is straightforward and discloses that perks are not guaranteed and can go away at any time.
In his defense though, he was not acting like a used car salesman.
Yes, he was.
He was very nice and never once tried to pressure us into making an expensive decision that day. He said he got paid either way because they were not commission and that we had time to think about it. He did throw in the special deal of last years points if we called back by April. I did read that everybody gets the special deal.
Again, addressed above. If by "special deal" you mean "what you are legally entitled to" then yes, he did offer you a special deal. The only thing special about the deal is that you would be allowed to bank your points even though the banking window has passed. But not doing that is the equivalent to selling a new car without tires. So they let you bank (put tires on the car) because to not do so would be bad for so many reasons.
During our presentation he kept pushing Poly and when we said we loved the 1BR we'd been staying in and couldn't see staying in a studio every visit (and couldn't afford a bungalow), he kept telling me all the 1BRs are always open to book and you'll have no trouble finding one at 7 months. This was after telling him we travel in the fall. Research > sales man.
The red flag here is that he said "always". The fact is that 1BRs are historically the last room category to book, so his assertions about availability are not entirely inaccurate. The bigger question is, if you prefer 1BR units, why is he trying to sell you Poly? Answer: because that's what's being sold right now. If you truly have your heart set on buying direct and staying in 1BR units, at least demand that he sell you one of the "sold out" resorts where you can have the advantage of booking at the 11 month window. You may have to go on a wait list, but at least you'll be getting something more appropriate to your needs.
) our guide told us all sorts of shenanigans...buy 25points (not possible) take out a mortgage (very not possible, I don't own a home, but thanks for caring about me) and resales never come around, they are hard to find!! My BF asked about them, I should have briefed him about things not to ask, but I didn't and that was the answer he got.
