Talya
newbie
Hello - I am glad to have found this site and am hoping I hear good news but have a sinking feeling that the sinking feeling I have had since this purchase will never go away.
Will not go into how I could have been so 'stoopid' as to walk straight into this when I was seeing red flags. Dumb, dumb, dumb. I ignored every sound impulse to stop yet proceeded - why? Subliminal tapes? Water tainted? The salesman was young, good looking and very personable? Good grief - I am embarrassed I got taken....but I never had an experience with timeshares and assumed integrity (though flashing lights were going off in my head at innumerable junctures). Okay, rant (and confession) over.....maybe...
I have some last ditch questions, hoping against hope.....
CONTEXT: Five days ago I purchased a Sampler in Arizona for $3,995 (20,000 points, 2 years - told this would give me 3-4 weeks, or 35-40 days of vacation - this was actually written down on a separate piece of paper with the name and personal contact information of the salesperson, even though another salesperson was vehement that this should not be done, the young man did it anyway when the other salesperson was away).
I paid in full, using my Amex Card. No fees. I got a tablet as a 'gift'. Haven't turned it on. "Lifetime benefits" are Club Combo, Flexpoints, Vacation Planner.
In the contract I signed it is stated: "The Sampler membership purchase is not a timeshare purchase and there is NO RIGHT OF RESCISSION, CANCELLATION OR REFUND." (Yeah....stoopid, stoopid, stoopid! )
There is then a sentence regarding purchasers in Nevada not being covered by the Nevada Real Estate Division - however, the salesperson said to me that in Arizona the sale was covered by Real Estate laws. Not sure if this is important.
QUESTIONS: Given the above -
1) Can I cancel this purchase? Regardless of the clause quoted above, do I still have 10 days to rescind this purchase? I have read on-line that a certified letter sent to the DRI address in the contract will effect cancellation - but I am also aware that maybe those people so saying didn't have that limiting clause in their contracts in 2016.
2) If I cannot cancel the contract via a letter to DRI, then can I do the cancellation via my Amex Card? Or do I risk being in default if I go that route? Curiously, charges usually take a while to get posted to my Amex account - but the DRI charge got posted within 3 days. If the charge were still 'pending' (as it normally is with Amex - especially hotel charges) I think I could have supervened and cancelled the charge - not so? I am aware I need to call Amex on this.
3) Am I just screwed like everyone else who made this purchase? No hope....make the best of it....chalk it up as a very expensive lesson (though far from as expensive as it could have been - at least I didn't even consider the 'payment plan' option at 20% interest )
Okay - do I have a prayer of a chance to rescind this? I did e-mail the salesman asking how to cancel (I won't use his phone number - won't). I also e-mailed the resort's General Manager. No response from either.
Many thanks for any responses.
Will not go into how I could have been so 'stoopid' as to walk straight into this when I was seeing red flags. Dumb, dumb, dumb. I ignored every sound impulse to stop yet proceeded - why? Subliminal tapes? Water tainted? The salesman was young, good looking and very personable? Good grief - I am embarrassed I got taken....but I never had an experience with timeshares and assumed integrity (though flashing lights were going off in my head at innumerable junctures). Okay, rant (and confession) over.....maybe...
I have some last ditch questions, hoping against hope.....
CONTEXT: Five days ago I purchased a Sampler in Arizona for $3,995 (20,000 points, 2 years - told this would give me 3-4 weeks, or 35-40 days of vacation - this was actually written down on a separate piece of paper with the name and personal contact information of the salesperson, even though another salesperson was vehement that this should not be done, the young man did it anyway when the other salesperson was away).
I paid in full, using my Amex Card. No fees. I got a tablet as a 'gift'. Haven't turned it on. "Lifetime benefits" are Club Combo, Flexpoints, Vacation Planner.
In the contract I signed it is stated: "The Sampler membership purchase is not a timeshare purchase and there is NO RIGHT OF RESCISSION, CANCELLATION OR REFUND." (Yeah....stoopid, stoopid, stoopid! )
There is then a sentence regarding purchasers in Nevada not being covered by the Nevada Real Estate Division - however, the salesperson said to me that in Arizona the sale was covered by Real Estate laws. Not sure if this is important.
QUESTIONS: Given the above -
1) Can I cancel this purchase? Regardless of the clause quoted above, do I still have 10 days to rescind this purchase? I have read on-line that a certified letter sent to the DRI address in the contract will effect cancellation - but I am also aware that maybe those people so saying didn't have that limiting clause in their contracts in 2016.
2) If I cannot cancel the contract via a letter to DRI, then can I do the cancellation via my Amex Card? Or do I risk being in default if I go that route? Curiously, charges usually take a while to get posted to my Amex account - but the DRI charge got posted within 3 days. If the charge were still 'pending' (as it normally is with Amex - especially hotel charges) I think I could have supervened and cancelled the charge - not so? I am aware I need to call Amex on this.
3) Am I just screwed like everyone else who made this purchase? No hope....make the best of it....chalk it up as a very expensive lesson (though far from as expensive as it could have been - at least I didn't even consider the 'payment plan' option at 20% interest )
Okay - do I have a prayer of a chance to rescind this? I did e-mail the salesman asking how to cancel (I won't use his phone number - won't). I also e-mailed the resort's General Manager. No response from either.
Many thanks for any responses.