Lobotomize me Captain
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(This post is being updated as the situation updates)
My mum got herself into a stupid timeshare, and she is below the poverty line (myself included), the sales person who works for the timeshare was the Spanish translator.
The contract was also presented AFTER the sales pitch.
The notary wasn't present during the sales, and the documents were never revised, nor was a legal translator present to translate the contract. He simply made them sign each page.
I looked up Exploria Resorts Club etc and it seems legit in the sense that it's functioning with people stuck in it, and has impossibly bad reviews.
I know nothing about timeshares, and unless I was a millionaire, I'd never be in one.
My mum shouldn't be in one. Her and her dumb friend got into one.
I need to know how to get her out of it.
I learned some other things too, which makes this situation even worse.
Upon further discussion to better understand how this all happened and how to pursue, the friend who signed (we'll refer to her as C for now), didn't even know it was a timeshare.
They didn't discuss the loan in detail, they didn't discuss the interest rate, they didn't discuss the assessment and club fees. They simply said they'd pay a split of less than $300 a month, and maintenance fees. That's all they said my mum and C would have to worry about.
The sales person (who spoke fluent Spanish), fluffed up this "opportunity" for 3 hours. Afterwards she brought in some guy (The Notary), and that's when they provided the contract in print, but in English, having the Spanish translation available but not providing it.
No revision of the contact was done in the notary's part. No legal translator was present or offered.
My mum asked for a copy of the contact, and that's when they asked if she wanted it in Spanish which means: the sales person/Translator and notary did not bother to provide the contract in Spanish to discuss, knowing the language barrier was present.
They didn't discuss the assessment fees, club dues, or the interest rate. They told her she could "pay it off" in 21 payments.... Which is absolute bull because that totals to less than $6k.
A real estate agent I know said I should contact the real estate commission of FL and explain that they were taking advantage of my mums language barrier, and refused to properly explain parts of the documents that my mum could NOT follow along with because again, it was all in English, being translated by someone who works as a notary in Exploria Resorts.
In other words: The Notary acknowledged the language barrier, chose to not provide the available translation of the documents, and did not explain parts of the contract when translating.
They also did not sit and revise the contract, there was no legal translator present to go over the printer document. They presented this as more of a subscription that could be cancelled at any time vs a timeshare.
My roommate did some digging and found that Exploria is very sketchy, has low review rates (they supplied my mum and C with the guarantee of luxury services), and they wouldn't be surprised if they get hit with a class action soon.
As anyone reading could understand, I'm extremely angry and I'm not backing down, so anyone who can help with information to get this undone for legitimately concerning reasons, please help.
So far:
- C was invited to a resort for opportunities, promised with a pay of $200 for listening in
- C asked my mum to join her
- This took place in FL, my mum and C live in KY
- A Spanish speaking Exploria Resorts sales person presented the opportunities of being part of the resort for 3 hours, not giving C or my mum any time to consider.
NO CONTRACT WAS PRESENT FOR THE 3 HOUR SALES PITCH
- The promise was only $250 a month and some static maintenance fees, and that was all they had to worry about.
- The total was $14k for the property. No discussion of interest rate, or the $15k 16.90%. interest
- After C and my mum said they may consider, the sales person brought in the notary.
- The notary acknowledged that they spoke Spanish and my mum did not speak or read in English
- This was when the contract was finally presented. Again, the sales person did not discuss anything in the contract accurately, and no contract to go over was present during the 3 hours.
- The notary did not have a legal translator present to go over the contract
- The notary did not discuss the contract and simply asked them to sign promising that the contract just had what the sales person discussed
What is being done:
- Told my mum to not hire a timeshare lawyer and to avoid exit companies
- The sales person said that the notary would be fine with making C the one paying from a credit in an attempts to remove joint responsibility for the contract, but obviously my mums social remains and she can still be affected if C doesn't pay on time or pay.
- My mum has not provided a credit card to Exploria, but C has.
- Contacted the General Attorney in FL
- Am in the process of filing our an online form as directed by the GA.
- Will be adding links providing similar tactics and cases scattered online regarding Exploria, suggest further investigation in hopes of launching a CAL in the future (this is gonna be my goal regardless of whether or not my mum gets out).
- After the online forms are filled, contacting the Real Estate Commissions in FL with the assistance of a 40+ year successful real estate agent/friend of the family.
My mum got herself into a stupid timeshare, and she is below the poverty line (myself included), the sales person who works for the timeshare was the Spanish translator.
The contract was also presented AFTER the sales pitch.
The notary wasn't present during the sales, and the documents were never revised, nor was a legal translator present to translate the contract. He simply made them sign each page.
I looked up Exploria Resorts Club etc and it seems legit in the sense that it's functioning with people stuck in it, and has impossibly bad reviews.
I know nothing about timeshares, and unless I was a millionaire, I'd never be in one.
My mum shouldn't be in one. Her and her dumb friend got into one.
I need to know how to get her out of it.
I learned some other things too, which makes this situation even worse.
Upon further discussion to better understand how this all happened and how to pursue, the friend who signed (we'll refer to her as C for now), didn't even know it was a timeshare.
They didn't discuss the loan in detail, they didn't discuss the interest rate, they didn't discuss the assessment and club fees. They simply said they'd pay a split of less than $300 a month, and maintenance fees. That's all they said my mum and C would have to worry about.
The sales person (who spoke fluent Spanish), fluffed up this "opportunity" for 3 hours. Afterwards she brought in some guy (The Notary), and that's when they provided the contract in print, but in English, having the Spanish translation available but not providing it.
No revision of the contact was done in the notary's part. No legal translator was present or offered.
My mum asked for a copy of the contact, and that's when they asked if she wanted it in Spanish which means: the sales person/Translator and notary did not bother to provide the contract in Spanish to discuss, knowing the language barrier was present.
They didn't discuss the assessment fees, club dues, or the interest rate. They told her she could "pay it off" in 21 payments.... Which is absolute bull because that totals to less than $6k.
A real estate agent I know said I should contact the real estate commission of FL and explain that they were taking advantage of my mums language barrier, and refused to properly explain parts of the documents that my mum could NOT follow along with because again, it was all in English, being translated by someone who works as a notary in Exploria Resorts.
In other words: The Notary acknowledged the language barrier, chose to not provide the available translation of the documents, and did not explain parts of the contract when translating.
They also did not sit and revise the contract, there was no legal translator present to go over the printer document. They presented this as more of a subscription that could be cancelled at any time vs a timeshare.
My roommate did some digging and found that Exploria is very sketchy, has low review rates (they supplied my mum and C with the guarantee of luxury services), and they wouldn't be surprised if they get hit with a class action soon.
As anyone reading could understand, I'm extremely angry and I'm not backing down, so anyone who can help with information to get this undone for legitimately concerning reasons, please help.
So far:
- C was invited to a resort for opportunities, promised with a pay of $200 for listening in
- C asked my mum to join her
- This took place in FL, my mum and C live in KY
- A Spanish speaking Exploria Resorts sales person presented the opportunities of being part of the resort for 3 hours, not giving C or my mum any time to consider.
NO CONTRACT WAS PRESENT FOR THE 3 HOUR SALES PITCH
- The promise was only $250 a month and some static maintenance fees, and that was all they had to worry about.
- The total was $14k for the property. No discussion of interest rate, or the $15k 16.90%. interest
- After C and my mum said they may consider, the sales person brought in the notary.
- The notary acknowledged that they spoke Spanish and my mum did not speak or read in English
- This was when the contract was finally presented. Again, the sales person did not discuss anything in the contract accurately, and no contract to go over was present during the 3 hours.
- The notary did not have a legal translator present to go over the contract
- The notary did not discuss the contract and simply asked them to sign promising that the contract just had what the sales person discussed
What is being done:
- Told my mum to not hire a timeshare lawyer and to avoid exit companies
- The sales person said that the notary would be fine with making C the one paying from a credit in an attempts to remove joint responsibility for the contract, but obviously my mums social remains and she can still be affected if C doesn't pay on time or pay.
- My mum has not provided a credit card to Exploria, but C has.
- Contacted the General Attorney in FL
- Am in the process of filing our an online form as directed by the GA.
- Will be adding links providing similar tactics and cases scattered online regarding Exploria, suggest further investigation in hopes of launching a CAL in the future (this is gonna be my goal regardless of whether or not my mum gets out).
- After the online forms are filled, contacting the Real Estate Commissions in FL with the assistance of a 40+ year successful real estate agent/friend of the family.
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