Any Way to Get OUT of Hacienda Encantada

[ajalt911]

Is there any legal way to simply get out of our Hacienda Encantada contract? Imho, it's not worth even the maintenance fees, as I can get a room there cheaper online...but don't want to get credit dinged of worse

 

[Passepartout]

Is it in Mexico? Is it deeded or RTU?

 

[ajalt911]

It is indeed in MX, and I suspect it to be an RTU, but I'm unsure of what exactly that implies.

 

[Passepartout]

RTU, is Right To Use. Not deeded. There is nothing to foreclose. The only hold they have on you (assuming it's paid off, and all you owe is annual fees) is the ability to use it. Write them, tell them you're done and are not paying them any more and they are welcome to use the contract for toilet paper. You won't be back. How's that for easy? Highly unlikely they'll ding your credit, and if they do, you're welcome to write a rebuttal with the credit agency. I can't imagine anyone who checks your credit holding a default of a Mexican vacation club against you. It might even improve your credit because you'd have less debt.

Jim

 

[ajalt911]

That's been my thought too, but the collection agency is US based. Concord. I'm inclined to follow that path, however.

 

[Passepartout]

That's been my thought too, but the collection agency is US based. Concord. I'm inclined to follow that path, however.

Is it paid off?

 

[ajalt911]

Yes

 

[Passepartout]

Yes

Then there is nothing to report you as delinquent for non payment. All they can do is threaten to not let you use the membership, and that's what you want anyway. Mexican RTUs sell for pennies and the outfits want many multiples of MF to transfer the 'ownership' to a new buyer. That's why they are virtually worthless. Stop paying and move on.

Jim

 

[chapjim]

There is a ton of stuff on the internet about the Fair Debt Collection Act -- what is a debt collector, what they can do, and what they cannot do. Spend a little time researching the FDCA.

Here's a place to get started: https://www.ftc.gov/enforcement/rul...s/fair-debt-collection-practices-act-text#803