Help!! Sunset club offered to cancel our contract, with a 8d7n RCI week, asking us to waive disputes for downpayment

[screamingandcrying]

Our payment so far is us$5700, which comprises of 10% downpayment and admin fee. Our first “loan” payment is on Sep 1st.

The cancellation agreement is a very short simple letter that first states that we “agree to receive one RCI week” and “money we’ve invested will cover all services provided” and then “once this is signed, all obligations and benefits of contract num xxx is cancelled.”

We tried to negotiate by declining the RCI week and instead requested a refund of our initial payments, arguing that we have not received any value in exchange of the payment. Obviously they didn’t react well to that. They directed us to clauses in our contract, lmfao.



We have cancelled our credit card and disputed the charge from the initial payment about 1 week ago when we began the process of getting out of this contract. If we sign this, do we essentially lose that dispute?

Overall is it a good idea to sign?

 

[screamingandcrying]

Our payment so far is us$5700, which comprises of 10% downpayment and admin fee. Our first “loan” payment is on Sep 1st.

The cancellation agreement is a very short simple letter that first states that we “agree to receive one RCI week” and “money we’ve invested will cover all services provided” and then “once this is signed, all obligations and benefits of contract num xxx is cancelled.”

We tried to negotiate by declining the RCI week and instead requested a refund of our initial payments, arguing that we have not received any value in exchange of the payment. Obviously they didn’t react well to that. They directed us to clauses in our contract, lmfao.



We have cancelled our credit card and disputed the charge from the initial payment about 1 week ago when we began the process of getting out of this contract. If we sign this, do we essentially lose that dispute?

Overall is it a good idea to sign?

 

[screamingandcrying]

Here is the letter -

 

[RX8]

Not familiar with Sunset Club but that shouldn’t matter. If your contract has a rescission clause, and you followed the instructions including the date deadline, then you are entitled to a full refund of all monies paid. Sounds like they are trying to deceive you into allowing them to keep your $5700 down payment. However, if you are outside your rescission period then they have absolutely no contractual obligation to refund you any money.

 

[screamingandcrying]

Not familiar with Sunset Club but that shouldn’t matter. If your contract has a rescission clause, and you followed the instructions including the date deadline, then you are entitled to a full refund of all monies paid. Sounds like they are trying to deceive you into allowing them to keep your $5700 down payment. Pretty scammy.

Thank u so much for replying!! I’m sorry i missed to share important details. But we are outside of the 5day cancellation. We signed Jul 6, but our eyes didnt open until Jul 25th when we started hounding for cancellation.

They didn’t respond until Aug 12th, when they basically told us we’re SOL, they’ll put us to intl collections and we won’t be able to leave the country (we are in CA.)

We told them that’s fine, we’ve been told misleading information and misrepresentation on their part and we’ll pursue legal action. They then sent a similar cancellation letter, but with a $500 cancellation fee. We said we’re not paying a single cent more. Then they sent us this.

 

[RX8]

Never heard of “international collections”. Sounds like they are simply trying to scare you. It appears that Sunset Club is a vacation membership. If you don’t pay, they will just cancel your right to use the membership. That said, since you are past your rescission period they are not required to give you any refund. The certificate may or may not be a good deal. There may be hidden fees that dilute whatever value it may have. You could continue the dispute with your credit card and you might get lucky. Sunset Club will likely show your credit card company the signed contract you have (and the fact that you are past your rescission date).

Good luck.

 

[iftravel]

Don’t know what you bought and don’t know what you signed up for, but just stop paying or signing for anything that no one including yourself cannot figure out - very likely a scam. Timeshare is a world full of scams and even the best ones like Marriott and Hilton are considered scams by many so don’t get involved in anything no name - until you understand how it really works don’t pay a penny.

 

[screamingandcrying]

I believe it’s not a timeshare, but a vacation club membership.

we are outside of the 5day rescission period. We signed Jul 6, we started the process to cancel Jul 25th, thru email. They didn’t respond until Aug 12th, when they basically told us we’re SOL, they’ll put us to intl collections and we won’t be able to leave the country (we are in CA.)

We told them that’s fine, we’ve been told misleading information and misrepresentation on their part and we’ll pursue legal action. We did file a complaint with PROFECO on Aug 12th too (haven’t heard back so far).

Sunset then sent a similar cancellation letter, but with a $500 cancellation fee. We said we’re not paying any more. Then they sent us this.

 

[Patri]

If you are US citizens, of course you can leave the country. That was a lie.

 

[iftravel]

If it’s a vacation club it’s just right to use. If they are honest (which likely not), they are asking for $500 more to cancel the remaining loan obligation but keep your deposit, in exchange for a 7 night certificate no one knows how to use it.

If you sign, you likely lose the dispute with CC since they will have proof that they delivered the service, but on the other side what is the chance you can win the chargeback even if you don’t sign, plus you signed a loan obligation anyway…

 

[RX8]

You have the same question in multiple forums. Hopefully the moderators can merge your duplicate posts.

 

[WorldT]

If you sign, you will likely lose your CC dispute as it says you agree that you received the services for the payments you are disputing.
As for the "loan", since this is a vacation club, once you stop paying, you stop being a member of the club. Even if this was a resort, it is likely an RTU. In which case, once you stopped paying, you lose the right to use whatever is on the contract.
The only issue you have here is the credit card charge back. How that gets settled is your only worry going forward. FWIW, credit card charge backs was one of the things that led to the couple being held in Mexico.

 

[FunnyFarm]

I recently disputed a charge (not timeshare) on my CITI Costco Visa.

One of the questions on the dispute form specifically mentioned timeshare.
I don't remember the exact language but something like this:
Were you pressured or rewardered for entering into this transaction such as a timeshare presentation?

This bank (and maybe yours) is aware of timeshare tactics so you might win your dispute.
I agree with WorldT, if you accept the cancellation contract you could affect your dispute.
You might let that play out first.