• 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 30 years!

    Join Tens of Thousands of other Owners just like you here to get any and all Timeshare questions answered 24 hours a day!
  • TUG started 30 years ago in October 1993 as a group of regular Timeshare owners just like you!

    Read about our 30th anniversary: Happy 30th Birthday TUG!
  • TUG has a YouTube Channel to produce weekly short informative videos on popular Timeshare topics!

    Free memberships for every 50 subscribers!

    Visit TUG on Youtube!
  • TUG has now saved timeshare owners more than $21,000,000 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 $21 Million dollars
  • Sign up to get the TUG Newsletter for free!

    60,000+ subscribing owners! A weekly recap of the best Timeshare resort reviews and the most popular topics discussed by owners!
  • 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!

    All T-shirt options here!
  • A few of the most common links here on the forums for newbies and guests!

Just joined Bluegreen yesterday. Was this illegal?!

Jbess1985

newbie
Joined
Aug 11, 2017
Messages
4
Reaction score
6
Points
3
Resorts Owned
BG
EDIT: Title should say BG(Bluegreen), not BY.

Hi all!

Sorry if this does not come out perfect. As I'm pumped up and typing on my cell phone.

My wife and I signed up for BG, here in Myrtle Beach. We said no before going in, but of course got sucked in.

We were given 8000 biennial for $12000. So 4k points a year. They showed us examples on how to spend the points in Aruba and the beach at prime times and the bonus time seemed awesome. We also got an extra 4k points for putting us in a crappy hotel. Was never told we can only use that in the off season.

Well, once we got the book, no one ever told us about the colored seasons. With our points, we can never take a trip in the red seasons. Also, with plat., gold, silver members, they will always have first pick of reservation, so I practically have no chance to get anything.

Either way, we are stuck on what to do, we feel like we could sell trips or just use it in the off season and hopefully get lucky on bonus nights. But is that all really worth 12k, plus the maintenance fees?

Ok, so here is my LEGAL question. When we were in the back room, being recorded, going over the contract, we came upon the credit application. The lady asked my wife first. Where do you work? How long have you been there? How much do you make? Now she gets to me and asks, Where do you work? How long have you been there? She never asks me how much I make, which my wife and I thought was odd, but did not think anything of it at the time, since everything was moving so fast. So after she fills out the credit application for us, we sign it.

Now fast forward to last night when we get back to the hotel. We look over ALL of our paperwork. And we get to the credit application and where it has MY income, which was BLANK when I signed, it now says $45,000. I never said I made that amount. I actually make $60,000+, so no one would have said $45k. They wrote that in AFTER I signed that paper. Is this legal?? My wife is a contract specialist for the Goverent and has her master's in contracting, but we are still unsure, since this totally different and is a credit application, which is typically considered a contract.


Sorry for the long post. Hopefully it all makes sense. Any help is much appreciated!
 
Last edited:

rickandcindy23

TUG Review Crew: Elite
TUG Member
Joined
Jun 6, 2005
Messages
31,892
Reaction score
8,997
Points
1,049
Location
The Centennial State
Resorts Owned
Wyndham Founder; Disney OKW & SSR; Marriott's Willow Ridge,Shadow Ridge,Grand Chateau;Val Chatelle; Hono Koa OF (3); SBR(LOTS), SDO a few; Grand Palms; WKORV-OF (2),Westin Desert Willow.
You need to just rescind. First, there are some nice resorts in Myrtle Beach, and some are free to buy and trade very well through II.

Rescind and sent the rescission letter via USPS, return receipt requested, so you get the proof of receipt.

Nothing timeshare salespeople do surprises me. I am unsure if that is legal, but it doesn't matter because you way overpaid.
 

sue1947

TUG Review Crew
TUG Member
Joined
Feb 23, 2009
Messages
1,748
Reaction score
1,193
Points
523
Location
Seattle
Resorts Owned
Worldmark and VI
You came to the right place. Take a deep breath and then:
Rescind your purchase. You have a few days to do this. Then take your time and investigate timeshares. You can buy on the resale market for pennies on the dollar. Check out Bluegreen or all the other systems to determine what you want. Take your time to make sure you get what you want. If you decide you want the same deal again, they will be happy (ecstatic in fact) to sign you up again.

How to rescind: keep it simple. Find in your documents the address; it may be hidden, but it's there someplace. Write a simple letter stating you are rescinding the purchase and send it off. Done. Don't take any phone calls or talk to the salespeople. The general rule of thumb is to assume all sales pitches are mostly lies. Ignore the sales people of whatever system you end up with and focus on the timeshare itself.

Sue
 

Jbess1985

newbie
Joined
Aug 11, 2017
Messages
4
Reaction score
6
Points
3
Resorts Owned
BG
Ok, we will do that.

Can you tell me what I should have received for the price I paid. I figured it was too little for what we paid, but we are new to timeshares and don't know what the value of points should be.

Total cost: $13,050 (forgot about the down payment)

Total points. 8k bilienial, 4k a year
 

Passepartout

TUG Review Crew: Veteran
TUG Member
Joined
Feb 10, 2007
Messages
28,461
Reaction score
17,213
Points
1,299
Location
Twin Falls, Eye-Duh-Hoe
Timeshares today re-sell for from $0 to about 10% of their developer price. Just write simple 'We wish to rescind' letter. Both of you sign it. Send it to the business office (not the resort) by USPS Certified w/return receipt. Include a copy of the signature page for ID purposes. You will get back all you paid and be released from the obligation. I don't know exactly how much time you're allowed in South Carolina, but you should send it as soon as practical. Monday would not be too soon. Or Saturday if you can manage it.

THEN come back and we'll turn you into an EDUCATED shopper.

Welcome to TUG!

Jim
 

Jbess1985

newbie
Joined
Aug 11, 2017
Messages
4
Reaction score
6
Points
3
Resorts Owned
BG
Timeshares today re-sell for from $0 to about 10% of their developer price. Just write simple 'We wish to rescind' letter. Both of you sign it. Send it to the business office (not the resort) by USPS Certified w/return receipt. Include a copy of the signature page for ID purposes. You will get back all you paid and be released from the obligation. I don't know exactly how much time you're allowed in South Carolina, but you should send it as soon as practical. Monday would not be too soon. Or Saturday if you can manage it.

THEN come back and we'll turn you into an EDUCATED shopper.

Welcome to TUG!

Jim


Jim,

Thank you. It's 5 days in SC. So we will get this done ASAP. And we have been looking in Tug and can't believe how much money we can save by purchasing from here. Amazing. Thanks again.
 

TUGBrian

Administrator
Joined
Mar 24, 2006
Messages
22,091
Reaction score
7,673
Points
1,099
Location
Florida
congrats on finding us in time and saving 13 grand!
 

geist1223

TUG Member
Joined
May 20, 2015
Messages
5,974
Reaction score
5,728
Points
499
Location
Salem Oregon
Resorts Owned
Worldmark 97,000 Credits
DRI Cabo Azul 50,500
Royal Solaris San Jose del Cabo
As for the question you asked about some one completing the form after you signed IMHO and without giving any Legal Advice - it is most likely in violation of several State and Federal Laws.

You said they Recorded. This is interesting and is the second time I have read about such practice over the past couple of months here on TUG. I doubt that they offered you a copy of the Recording.

So for reference for all that read this Forum if you are being recorded at a Timeshare Presentation:

1. Always demand a copy of the Recording.
2. Just before you sign state very clearly - All verbal representations, promises, etc made by any Agent of the Seller are hereby incorporated by reference into this written Contract as though fully set forth herein.

In fact even if you are not recorded you should write into the Contract just above the signature line something similar. Then see how fast they tear it up.
 

LannyPC

TUG Member
Joined
Jul 5, 2010
Messages
4,777
Reaction score
2,405
Points
448
Location
British Columbia
And we have been looking in Tug and can't believe how much money we can save by purchasing from here. Amazing.

Another option that's available to you, and highly recommended if you are new or unsure, is to start out by renting a timeshare from a current owner. You can probably rent for about the cost of (or maybe even less than) the MFs. It will give you an opportunity to "try before you buy". There is no buy-in cost other than a $15 membership on TUG or Redweek.

There are other advantages such as not worrying about your timeshare if you no longer want it or if you die. If you could read some of the seemingly desperate posts we see here often on TUG from owners who want out of their timeshares or relatives of deceased (or soon-to-be deceased) owners, you would understand what I'm getting at.

Anyway, after you rescind, take your time to research and explore your options before even accepting a free timeshare.
 

Jbess1985

newbie
Joined
Aug 11, 2017
Messages
4
Reaction score
6
Points
3
Resorts Owned
BG
Once again, thank you all for being so helpful. Such great people here, willing to offer solid and sound advice.

One last question. Should I return the books by mail or in person? I have a feeling, it's going to be the mail option, as it's been suggested to stay far away from them.
 

gypsygirl1

TUG Review Crew
TUG Member
Joined
Jan 16, 2017
Messages
22
Reaction score
11
Points
63
Location
Riverside CA
EDIT: Title should say BG(Bluegreen), not BY.

Hi all!

Sorry if this does not come out perfect. As I'm pumped up and typing on my cell phone.

My wife and I signed up for BG, here in Myrtle Beach. We said no before going in, but of course got sucked in.

We were given 8000 biennial for $12000. So 4k points a year. They showed us examples on how to spend the points in Aruba and the beach at prime times and the bonus time seemed awesome. We also got an extra 4k points for putting us in a crappy hotel. Was never told we can only use that in the off season.

Well, once we got the book, no one ever told us about the colored seasons. With our points, we can never take a trip in the red seasons. Also, with plat., gold, silver members, they will always have first pick of reservation, so I practically have no chance to get anything.

Either way, we are stuck on what to do, we feel like we could sell trips or just use it in the off season and hopefully get lucky on bonus nights. But is that all really worth 12k, plus the maintenance fees?

Ok, so here is my LEGAL question. When we were in the back room, being recorded, going over the contract, we came upon the credit application. The lady asked my wife first. Where do you work? How long have you been there? How much do you make? Now she gets to me and asks, Where do you work? How long have you been there? She never asks me how much I make, which my wife and I thought was odd, but did not think anything of it at the time, since everything was moving so fast. So after she fills out the credit application for us, we sign it.

Now fast forward to last night when we get back to the hotel. We look over ALL of our paperwork. And we get to the credit application and where it has MY income, which was BLANK when I signed, it now says $45,000. I never said I made that amount. I actually make $60,000+, so no one would have said $45k. They wrote that in AFTER I signed that paper. Is this legal?? My wife is a contract specialist for the Goverent and has her master's in contracting, but we are still unsure, since this totally different and is a credit application, which is typically considered a contract.


Sorry for the long post. Hopefully it all makes sense. Any help is much appreciated!
Definitely rescind. Sometimes there is a form included in the purchase packet. In CA, you have 72 hours to rescind - don't know about other states. As for the "fill in the blank" stunt, I would report them to the Attorney General in the state in which you made the purchase. These sales scumbags need to be reported. Glad you're going to get set "free" from them. The deals on TUG are great.
 

Passepartout

TUG Review Crew: Veteran
TUG Member
Joined
Feb 10, 2007
Messages
28,461
Reaction score
17,213
Points
1,299
Location
Twin Falls, Eye-Duh-Hoe
Once again, thank you all for being so helpful. Such great people here, willing to offer solid and sound advice.

One last question. Should I return the books by mail or in person? I have a feeling, it's going to be the mail option, as it's been suggested to stay far away from them.
I suggest sending their promotional stuff back by the cheapest means that will give you a receipt for mailing. (Postal periodical?)
If they gave you any goodies for attending the presentation, keep them as a gift.
 

Nicki

TUG Member
Joined
Jun 12, 2005
Messages
3
Reaction score
1
Points
363
Location
Chicago Metropolitan Area
I suggest sending their promotional stuff back by the cheapest means that will give you a receipt for mailing. (Postal periodical?)
If they gave you any goodies for attending the presentation, keep them as a gift.

I am so glad you found your answer on TUG. I have been a member since 2005 and have learned so much. I have purchased many timeshares - all on resale thanks to TUG. If you are still looking for BG points, I have some which I will sell for a penny plus closing costs. I bought them on resale and have had great luck with using them, but sadly cannot travel so much anymore.
Nicki Ruiz
 

Janann

TUG Review Crew: Expert
TUG Member
Joined
Jul 20, 2006
Messages
1,362
Reaction score
780
Points
473
Resorts Owned
HGVC on the Boulevard, Las Vegas;
Disney's Saratoga Springs
The side topic issue of "creating" an annual income figure is interesting. I wonder why they did that? Is it because they don't want to risk having you answer with a low figure, and then not qualify for the loan? Or is it that they get a higher interest rate on the loan with more of a mid-level answer? Just hypothetical, maybe the interest rate is 5% higher for a mid-level income than a high-level income. Who knows.
 

dioxide45

TUG Review Crew: Expert
TUG Member
Joined
May 20, 2006
Messages
47,354
Reaction score
18,914
Points
1,299
Location
NE Florida
Resorts Owned
Marriott Grande Vista
Marriott Harbour Lake
Sheraton Vistana Villages
Club Wyndham CWA
Doesn't everyone qualify for timeshare credit? Do they even pull a credit report? There is no underwriting involved as far as I know.
 

HudsHut

TUG Review Crew
TUG Member
Joined
Jun 6, 2005
Messages
3,978
Reaction score
1,229
Points
548

Janann

TUG Review Crew: Expert
TUG Member
Joined
Jul 20, 2006
Messages
1,362
Reaction score
780
Points
473
Resorts Owned
HGVC on the Boulevard, Las Vegas;
Disney's Saratoga Springs
Doesn't everyone qualify for timeshare credit? Do they even pull a credit report? There is no underwriting involved as far as I know.
I would think that they at least pull a credit report. If someone had a FICO of 500 and was therefore at high risk of defaulting on the first payment, why would the lender bother with the transaction? Maybe the timeshare company and/or lender keep the down payment (if any). If you're going to lend someone $10,000+ unsecured, the lender would at least want to know what the risk level is on the overall lending portfolio. If there were no scores or underwriting, the risk level of thousands of loans in a $20 million+ portfolio would be completely unknown.
 

dougp26364

TUG Review Crew: Expert
TUG Member
Joined
Jun 6, 2005
Messages
14,480
Reaction score
3,154
Points
698
Location
Kansas
Resorts Owned
Marriott Grand Chateau
Marriott Shadow Ridge
Marriott Ocean Pointe
Marriott Destination Club Points
Hilton Grand Vacation Club Las Vegas Blvd
Grand Colorado on Peak 8
Spinnaker French Quarter Resort Branson
You can do a google search for their corporate address, sales and marketing address and to the location you made your purchase. Send a copy of the letter to all of them certified mail.

We had friends who purchased at Westgate once. They decided to rescind but, Westgate had “conveniently” removed that page from their copy of the documents before giving it to them (we both searched page by page).in the end we sent the letter to their corporate sales office and the sales office they purchased at in Gatlinburg. That worked for them
 

Jenbo79

newbie
Joined
Jun 16, 2018
Messages
5
Reaction score
3
Points
1
Yeah, they didn't add it to my page and then called me as I was checking out to sign it and I forgot to take a pic of it bought in Myrtle Beach, SC. Thanks
 

bogey21

TUG Member
Joined
Jun 8, 2005
Messages
9,455
Reaction score
4,662
Points
649
Location
Fort Worth, Texas
The side topic issue of "creating" an annual income figure is interesting. I wonder why they did that? .... Who knows.

I'm guessing they just forgot to ask, just guessed and filled in something to complete the application after you left. Slippery and probably illegal but stuff happens.

George
 
Top