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Rescinded 45 days ago and no refund
- Thread starter Dannyh86
- Start date
I would definitely put in a dispute with the credit card immediately. This will keep you from having to pay that amount (or any interest) until the dispute is resolved. I would also contact Welk and inform them that you are disputing the charge.
bogey21
TUG Member
Have you called Welk?
George
George
DeniseM
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Just to clarify - they may not "contact" you at all - they may just refund the payment to your credit card - have you been checking your credit card account online to see if you've received the credit?
If not:
You can't dispute the CC payment with a phone call - you have to do it in writing, so you do need to call your credit card company to find out exactly what they need for a dispute. You want to do this immediately.
Follow up with a letter to Welk - I'd send it return receipt requested, so they have to sign for it. Keep your letter short and sweet:
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DeniseM
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Don't call - the resort sales staff and management are not involved in rescinding, and there is no reason to talk to them, unless you want another sales pitch.
bogey21
TUG Member
Personally I have had success with phone calls, 3 Deed Backs for example. My fear is that a letter often just gets lost in the shuffle. Call and ask for the Accounting Department. If the person asks why, just say you want to see if a check has been received. If that doesn't work call back again with another story. My experience is that eventually you will get through to someone who can help.
George
PS Before you ask. My 3 Deed Backs probably took 10 to 12 phone calls.
DeniseM
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George - Rescinding, and doing a deed back, are completely different processes. There is a specific process, mandated by law, for rescinding.
The "legal" requirement for rescinding is sending the letter by the deadline, so it's hard to imagine that it got "lost in the shuffle," unless Welch is intentionally thumbing their nose at the law.
He already knows that they received his rescission letter - he has the receipt showing that they received it, so I'm not sure what a phone call, or multiple phone calls will accomplish.
The "legal" requirement for rescinding is sending the letter by the deadline, so it's hard to imagine that it got "lost in the shuffle," unless Welch is intentionally thumbing their nose at the law.
He already knows that they received his rescission letter - he has the receipt showing that they received it, so I'm not sure what a phone call, or multiple phone calls will accomplish.
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DeniseM
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Time to play hard ball - do a formal dispute with your credit card company.
bogey21
TUG Member
When I suggested calling I was aware that he has proof they received his "rescind" letter. I think a phone call saying "You got my letter. Where is my refund" is worth a shot. You obviously don't. To each his/her own.
George
DeniseM
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George - If you could call, and talk to the right person, it would make sense to call, but the system is designed to direct you back to sales, where they are going to try to talk you out of rescinding. That's why they don't put the number in the rescission directions. They intentionally direct you to people who are going to try to talk you out of rescinding. It's simply not productive to call.
They had a maximum of 45 days (from the date of their receipt of your rescission) to issue your refund. Seems like they "pushed the envelope", but they did make it.
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I am very happy for you. Good Luck.
As stated previously, they had (and met) 45 days from receipt of your notice of rescission to refund your deposit. The postmark date of your mailed notice of rescission applies specifically to individual state law identifying the rescission period for that particular state, but that is irrelevant to the time period for issuance of a refund.
There is no good reason to take 45 days to issue a refund for a deposit initially placed on a credit card --- it may perhaps even be an act of spite. They don't derive any particular financial benefit from delaying refund of a credit card-based deposit and there is no imaginable scenario in which it should ever take 30 days, let alone 45.
In any case, they made it "under the wire" with your refund and you have confirmation thereof. You can now breathe a sigh of relief.
Congrats.
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