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Rescinding a westin nanea options timeshare

Discussion in 'Vistana Signature Experiences (formerly Starwood)' started by RichterRising, Jun 13, 2018.

  1. RichterRising

    RichterRising Guest

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    Just arrived home last night after finding this forum the night before. First thank you to everyone that has built this community. I still have 3 days left on my right to cancellation form (state of california) put 10% down via credit card. My main question at this stage is i have 2 addresses to send this form to VSE pacific in orando and hawaii, i was also going to get ahold of my credit card company for someplace to forward this cancellation notice to them as way of additional proof of timeliness if any disputes arrive. Should i do anything else? Form just has a signature line for the spouse and myself and a place for a date. No fax number or any other mentioned document to include.

    Thank you all.
     
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  2. Karen G

    Karen G Moderator

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    Just to be on the safe side, you could send a copy of your rescission letter to both addresses shown in your contract. Be sure to mail your letters by certified mail so that you have a receipt showing the date you mailed it. That's the critical part of your rescission--you need proof that you mailed it in time. Nothing else is required to rescind. Be sure each person who signed the contract signs the letter.

    If you received anything else--such as a tablet or anything else of value--return that stuff by the cheapest method. If you're doing so, you could mention in your letter that you are returning items by separate shipping. Notifying your credit card is a good idea. Should the charge appear on your card, dispute it and let them know you've rescinded your purchase.

    Then just wait for your refund & be happy you found TUG in time!
     
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  3. Ken555

    Ken555 Tug Review Crew: Rookie TUG Member

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    Congrats for finding TUG and saving 000s.


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  4. RichterRising

    RichterRising Guest

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    Thank you both, there is a line in the cancellation that unreturned materials entitle the developer to deduct up to $25 from my refund. Tbh $25 is worth having a reminder bundle of "dont rush things". Or am i missing something?
     
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  5. Karen G

    Karen G Moderator

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    If it's something you want and you're happy with the $25 cost, keep it!
     
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  6. vacationtime1

    vacationtime1 TUG Member

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    I'm not certain whether the Hawaii rescission period or the California rescission period is applicable -- so send your rescission notices based on the shorter of the two.

    Yes, certified mail so you have proof of mailing. Yes, everyone who signed the purchase agreement must sign the rescission letters.
     
  7. taterhed

    taterhed TUG Member

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    So, where were you located when you purchased the timeshare? Hawaii? Please respond.....
     
  8. taterhed

    taterhed TUG Member

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    In any case, the location of PURCHASE defines the statutes concerning rescission. I'm not a lawyer, but that's what's printed. Hawaii is also 7 days

    HI 7 days Haw. Rev. Stat. § 514E-8

    Either party may cancel a contract to purchase an interest in a time share plan within 7 calendar days after execution, or within 7 calendar days after the purchaser's receipt of a disclosure statement required, whichever occurs later.
     
  9. RichterRising

    RichterRising Guest

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    Yes and yes, however, inal, but part of our contract was addendum overrighting the boiler plate for california residents with clauses that complied with california law. Its day 5 right now and im in line for the post office ;) just including this to pay forward.
     
  10. okwiater

    okwiater TUG Member

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    I’ve seen this recommendation to dispute the charge multiple times on TUG. What is the logic behind that? Do you also immediately dispute charges for store purchases that you’ve returned?

    The dispute process is supposed to be used only after you’ve given the merchant an opportunity and sufficient time to resolve your request on its own. Disputing a charge is a hostile act that often costs the merchant money. Why not simply follow your rescission instructions, and give Vistana a reasonable opportunity to process the refund on its own? They’re not exactly known for failing to issue refunds.
     
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  11. taterhed

    taterhed TUG Member

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    I will also suggest that disputing or cancelling a credit card immediately--before any acknowledgment of rescission--is not necessarily a good idea. As pointed out by @okwiater , you're supposed to dispute transactions when they are not recognized or when the merchant refuses to issue an appropriate credit.

    Disputing a valid and legal contractual charge without giving the merchant an opportunity to process a refund is not going to endear you to your credit card holder; they might not open a dispute under these circumstances.

    Finally, if you intentionally cancel a credit card knowing that there is a valid and legal contractual charge (without paying), this may raise a legal issue in some states under the same type of rules that apply to check fraud etc... I'm not a lawyer, but you can't simply cancel a monetary instrument because you don't like the charge you agreed to pay.

    If, however, the merchant refuses to issue an appropriate refund (per contract) after you legally exercise your right of rescission, then you may have the right to dispute the charge.......but you MAY not have the right to refuse to pay the bill....depending on the instructions given by your credit (card) servicing company. Keep in mind: Most consumer protections (for transactions >$50) are only valid in home state or w/i 100 miles of billing address. Many state statutes (at purchase location) direct the timeline for cancellations (both rescission and refund of monies). Additionally, many a states have laws that specifically prohibit consumers from withholding payment to a creditor for lawful debts....even when those debts are under review or scheduled for refund. Again, not a lawyer.....consult one if you have legal questions.
     
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  12. RichterRising

    RichterRising Guest

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    So re: the credit card part, when i called they offered to dispute immediately, i declined but asked that they added notes to the charge with the date and that i started the rescinding process. The goal for me with the cc was to see if there was any other documents they would want to help me fight the contract if this went south. My main intent is another timestamp showing i excerised my rights to rescind within the legal window if i need more ammo.

    As always i appreciate all feedback.
     
  13. controller1

    controller1 TUG Member

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    Vistana is a very reputable company (excepting for the sales process). Just rescind during the rescission period and you will have no problem at all with the transaction. Disputing the credit card charge at this point is poor advice.
     
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  14. DavidnRobin

    DavidnRobin TUG Member

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    Disputing CC is overkill - VSE will allow recession without issue as long as within recession period.
     
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  15. RichterRising

    RichterRising Guest

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    So today was the last day to rescind, usps tracking shows one address delivered today and the other to be delivered before the end of the day. Anything else i need to do? I went through the stickys but didnt really see any next steps from here
     
  16. controller1

    controller1 TUG Member

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    The ball is now in Vistana's court. Sit back and know that you're off the hook!
     
  17. DavidnRobin

    DavidnRobin TUG Member

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    Don’t fret - congrats. Too many talk themselves out of rescinding and continue with the VSE purchase.
    (somebody needs to keep the boat afloat).
    Now... determine what is best vacation value for you and your family - then optimize that experience as best you can.
    Good luck.


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  18. RichterRising

    RichterRising Guest

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