Hi everyone,
I am a 40 year old with a family of 4 and got duped into buying Royal Holiday Club membership on March 30th. I just got back and starting digging into this more and while it sounded great there of course I have found the numbers do not add up and was misled quite a bit. I would like to cancel the contract and believe I may still be able to however am seeking advice. I thought of myself as a smart person but have not slept now and am in full stress mode feeling that I robbed my family of our hard earned money. I feel like a fool and am doing what I can to correct my poor decision.
- We are from BC, Canada
- I bought on March 30, 2015 in Mexico
- Downpayment of $6980 + $1500 closing costs USD
- Defferred anothe $6980 for 30 monthly payments
- I paid on Mastercard and Visa
- Contract says 5 business days cancellation but they got me on my first of 10 days there so just back on the 8th late
I contacted the credit card companies and they say I have 15 days with them to rescind contract because of the complaints they have had calling it a "cooling off period". They advised me to submit and email and registered letter to Royal Holiday Club notifying them of my wishes to cancel and if they money is not placed back on my card 15 days after that to contact them to start a dispute.
I am going to talk to a lawyer locally here and have him review the contact as well to be sure but I thought this group may provide better advice. Here are a couple direct questions:
- The contract says "submitting the cancellation request in writing and returning the documents to the corresponding sales office with acknowledgement of receipt from the SELLER" sounds like I need to need to send the large box with the Welcome catalog back to them with a letter. Does that sound correct or just the letter?
- The contract also says to send registered letter to the legal rep of the seller and to the address on the contract. Again, assuming I should send to all 3 even though it's past the 5 days?
- Should I attempt to contact the sales person or the account rep assigned to me and ask them to cancel the contract and inform them that my credit card company and lawyer are involved? Any advice here.
- Assuming I should change my account numbers on my credit cards ASAP after the money is put back on or do that immediately? Is that even possible if I want to dispute?
Any advice is very much appreciated. I feel ill about this.
I am a 40 year old with a family of 4 and got duped into buying Royal Holiday Club membership on March 30th. I just got back and starting digging into this more and while it sounded great there of course I have found the numbers do not add up and was misled quite a bit. I would like to cancel the contract and believe I may still be able to however am seeking advice. I thought of myself as a smart person but have not slept now and am in full stress mode feeling that I robbed my family of our hard earned money. I feel like a fool and am doing what I can to correct my poor decision.
- We are from BC, Canada
- I bought on March 30, 2015 in Mexico
- Downpayment of $6980 + $1500 closing costs USD
- Defferred anothe $6980 for 30 monthly payments
- I paid on Mastercard and Visa
- Contract says 5 business days cancellation but they got me on my first of 10 days there so just back on the 8th late
I contacted the credit card companies and they say I have 15 days with them to rescind contract because of the complaints they have had calling it a "cooling off period". They advised me to submit and email and registered letter to Royal Holiday Club notifying them of my wishes to cancel and if they money is not placed back on my card 15 days after that to contact them to start a dispute.
I am going to talk to a lawyer locally here and have him review the contact as well to be sure but I thought this group may provide better advice. Here are a couple direct questions:
- The contract says "submitting the cancellation request in writing and returning the documents to the corresponding sales office with acknowledgement of receipt from the SELLER" sounds like I need to need to send the large box with the Welcome catalog back to them with a letter. Does that sound correct or just the letter?
- The contract also says to send registered letter to the legal rep of the seller and to the address on the contract. Again, assuming I should send to all 3 even though it's past the 5 days?
- Should I attempt to contact the sales person or the account rep assigned to me and ask them to cancel the contract and inform them that my credit card company and lawyer are involved? Any advice here.
- Assuming I should change my account numbers on my credit cards ASAP after the money is put back on or do that immediately? Is that even possible if I want to dispute?
Any advice is very much appreciated. I feel ill about this.