TUG MEMBERS: Joining TUG does not automatically register you as a user of the TUG Bulletin Board. You must register yourself.


*ads are disabled when logged in as a member*
  1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.
  2. The TUGBBS forums are completely free and open to the public and exist as the absolute best place for owners to get help and advice about their timeshares for more than 25 years!

    Join tens of thousands of other owners just like you here to get any and all Timeshare questions answered!
    Dismiss Notice
  3. TUG has now saved timeshare owners more than $11,000,000 dollars just by finding us in time to rescind a new Timeshare purchase! A truly incredible milestone!

    Read more here: TUG saves owners more than $11Million dollars
    Dismiss Notice
  4. Sign up to get the TUG Newsletter for free! Join tens of thousands of other owners who get this every week! Latest resort reviews and the most important topics discussed by owners during the week!
    Dismiss Notice
  5. TUG is trying out a new program that will trade you a TUG membership for a Timeshare resort review if you are an expired member, or even just a guest here on the forums!

    Read more here
    Dismiss Notice
  6. Our official "end my sales presentation early" T-shirts are available again! Also come with the option for a free membership extension with purchase to offset the cost!

    Read more Here
    Dismiss Notice
  7. Follow the TUG Member Banner as it travels the world on vacation with Timeshare owners! Also sign up to get the banner sent to you so you can submit a photo of your vacation with the banner to share with TUG! Banner Thread
    Dismiss Notice
  8. TUG has now joined Priceline.com as an affiliate!

    Members and guests who book air travel, rental cars and even Cruise Vacations thru TUG's priceline links will now support TUG in the process!

    Read more here
  9. A few of the most common links here on the forums for newbies and guests!
    Dismiss Notice

Delinquent in Villa Del Palmar Mexico

Discussion in 'All Other Timeshare Systems' started by cozmic, Jun 3, 2019.

  1. cozmic

    cozmic Guest

    Joined:
    Jun 3, 2019
    Messages:
    2
    Likes Received:
    0
    Trophy Points:
    1
    Hi,
    We bought a timeshare in Cancun Mexico in 2014 and financed about 11K with them. We used the resort 5 times and every time we got back we regret doing that deal as there were multiple empty promises and horrible customer service experiences.
    So when we came back last year in July 2018, I decided I had enough and stopped paying my loan payments and maintenance fees.
    I remember clearly that I never provided them with my social security number and looking in my copy of paperworks there is no mention of my SSN in there, but some how they sold my debt to a collection agency in US and have put the delinquency in my credit report, dropping my score by 110 points. This seems to be for the loan only and not for breach in contract.
    I have two questions:
    1) How could they impact my credit report not knowing my social security number?
    2) What are my options here?

    Really appreciate some guidance here...
     
    Last edited: Jun 3, 2019
  2. easyrider

    easyrider TUG Review Crew: Expert TUG Member

    Joined:
    Aug 21, 2005
    Messages:
    7,075
    Likes Received:
    1,181
    Trophy Points:
    448
    Location:
    Palm Springs of Washinton
    Resorts Owned:
    Worldmark * * Villa Del Palmar UVCI * * Vacation Internationale*
    Maybe join Tug and use me as a referral !!!

    They don't know your social security number unless you gave it up when you signed something when you bought this membership.

    The first thing to do is dispute the collection and force them to prove this debt. Do not acknowledge the debt.

    Bill
     
  3. cozmic

    cozmic Guest

    Joined:
    Jun 3, 2019
    Messages:
    2
    Likes Received:
    0
    Trophy Points:
    1
    very strange, I don't recall giving them my SSN at all... What's the point of the dispute, they can easily show my paperwork to prove the debt? The loan itself is not showing up in my credit report though....
     
  4. buzglyd

    buzglyd TUG Member

    Joined:
    Jan 10, 2013
    Messages:
    1,857
    Likes Received:
    425
    Trophy Points:
    194
    Location:
    Carlsbad
    Resorts Owned:
    HGVC Lagoon Tower
    HGVC Carlsbad Seapointe
    Gaslamp Plaza Suites
    Carlsbad Inn
    SVV Bella
    A collection agency doesn't need your SS to report to the bureaus. Your name and DOB will do the trick.
     
  5. easyrider

    easyrider TUG Review Crew: Expert TUG Member

    Joined:
    Aug 21, 2005
    Messages:
    7,075
    Likes Received:
    1,181
    Trophy Points:
    448
    Location:
    Palm Springs of Washinton
    Resorts Owned:
    Worldmark * * Villa Del Palmar UVCI * * Vacation Internationale*
    They may have a copy of your drivers license.

    The point of disputing the collection is that this is an International debt that is problematic to enforce in the USA. The credit reporting agency that dropped your score is where you would dispute this.

    Your paperwork is outside of the jurisdiction of the credit reporting agencies in the USA unless you financed the loan with a line of credit from the USA. As far as I know the developers for the Villa Group have broke into three Mexican corporations and the financing was not a USA based line of credit.

    Bill
     

Share This Page