Ok. Found paperwork behind a "secret velcro slot" i did call the closing officer to ask nicely where it is that i wanted to read up on it. So do i send copies of everything??
No. Now that you have belatedly located the applicable contract paperwork, you need
only send a simple, straightforward letter of rescission as already previously described earlier within this thread. In your letter, make specific reference to the date and location of purchase, and include very specific reference to the assigned "account number" you have now found and mentioned. Send the letter by certified mail (not by FedEx, not by UPS, not by email, not by carrier pigeon), so that USPS issues to you a date-stamped receipt which is documentary
proof of actual postmark. You can also request a "return receipt" signature, but this option is
much less important than obtaining (...and keeping) the hand-stamped proof of date of actual postmark of your rescission letter. In your letter, also overtly state that you will be returning any and all issued "owner materials" under separate cover and separate mailing (...your later failure to do so
would likely result in Westgate lawfully deducting $50 from your deposit-refund-to-be). You may not (and probably won't) actually
see that deposit refund completed for a few weeks.
The Westgate Weasels
will call you once they receive your letter of rescission, in a desperate last-ditch effort to try to "sweeten" and /or salvage the deal (...and to try to save their disappearing commission).
To repeat earlier advice provided to you by several different people,
do not take those calls and do not have any further oral conversation with these people after you mail the rescission letter. The law will take care of all the rest. As low as Westgate might be, they are
not going to risk playing any games (...except for the desperate, inevitable and imminent "please save our sale" phone call, which you hopefully won't even answer...). With a properly prepared and timely submitted contract rescission, playing any further games with the rescinding (former) buyer would be a clear, overt and actionable violation of state law on the part of the developer. Even the slimy pond scum at Westgate very clearly understand that they have
no other choice than to process a properly submitted rescission and issue a refund of the purchase deposit.
You're dodging a serious bullet here and reversing a huge mistake while you still can. Count your blessings.
P.S. You have made reference to a "monthly payment". This suggests that you also
financed this mistake. You
may have to separately address the cancellation of that loan if there is a third party lender involved (check your paperwork).
IF the loan is internally financed by Westgate themselves (which is quite possible, since banks have tended to stay away from Westgate since around 2009), your rescission letter will also suffice to initiate the termination of any applicable
internal Westgate loan.
