Wyndham Pathway

[Towerguy]

I am having a problem getting Wyndham to honor my Pathway request. I became a Pathway "member" when I joined Club Wyndham Access on May 13, 2013. I recently attempted to cash out a considerable number of points (roughly 800,000) and was told that "yes, you have Pathway but are not eligible for cash back". (They claim that my contract date for CWA was 2 days prior to Pathway becoming "official".) I'm still pursuing this oxymoronic decision and am determined to fight it all the way. Has anybody else had similar trouble?

 

[dioxide45]

I am having a problem getting Wyndham to honor my Pathway request. I became a Pathway "member" when I joined Club Wyndham Access on May 13, 2013. I recently attempted to cash out a considerable number of points (roughly 800,000) and was told that "yes, you have Pathway but are not eligible for cash back". (They claim that my contract date for CWA was 2 days prior to Pathway becoming "official".) I'm still pursuing this oxymoronic decision and am determined to fight it all the way. Has anybody else had similar trouble?

What does your contract/paperwork say?

 

[jenniferfromri]

Hello everyone! I purchased Wyndham Vacation Resorts back in January 17, 2024 and I tried canceled it 5 days after the recession because no one told me about the recession period after you signed the contract so I did not know and one thing they use my credit card for monthly autopayment without telling me when I asked the salesman if what he was going to do my credit and he said just to get your information. They all lied to me. So I called them and asked to canceled the autopayment. I call Wyndham exit program but they said I'm not qualified because I still own a loan and the gave me information how to sale it by using fidelity and Wyndham brokers associate but fidelity said they can't help me because I still have a Morgate. I tried my best to get out of the contract and contact everybody but no luck. So I decided to stop paying the mortgage then I went to log in to credit Bureaus and freeze all my credit except Transunion because I have to pay monthly to be able access it. They opened a credit for me to pay my down-payment for it was 2k plus and I'm still paying for it. Is there any here have the same situation that I've been through. I feel trapped of this contract and I want to get it out so bad because I can't afford to pay for it anymore. I have so much bills to pay and I am single mom. Any advice please. Thanks

 

[Fido Chuckwagon]

Hello everyone! I purchased Wyndham Vacation Resorts back in January 17, 2024 and I tried canceled it 5 days after the recession because no one told me about the recession period after you signed the contract so I did not know and one thing they use my credit card for monthly autopayment without telling me when I asked the salesman if what he was going to do my credit and he said just to get your information. They all lied to me. So I called them and asked to canceled the autopayment. I call Wyndham exit program but they said I'm not qualified because I still own a loan and the gave me information how to sale it by using fidelity and Wyndham brokers associate but fidelity said they can't help me because I still have a Morgate. I tried my best to get out of the contract and contact everybody but no luck. So I decided to stop paying the mortgage then I went to log in to credit Bureaus and freeze all my credit except Transunion because I have to pay monthly to be able access it. They opened a credit for me to pay my down-payment for it was 2k plus and I'm still paying for it. Is there any here have the same situation that I've been through. I feel trapped of this contract and I want to get it out so bad because I can't afford to pay for it anymore. I have so much bills to pay and I am single mom. Any advice please. Thanks

Your only real options are:

1. Stop paying and default (which it sounds like you’ve already done).. You’ll take a credit hit, but it won’t be the end of the world (do you have any large purchases planned in the next 7 years?); or
2. Work on paying it off and learn how to use it.

That’s really it. No matter what you do, don’t pay any money too any company offering to help you exit your timeshare, they are alll scams. You cannot sell or give away your timeshare while there is a mortgage on it, that part is correct.

 

[Sandi Bo]

If you do keep paying on it, figure out a way not to pay the crazy interest rates they charge on the loan.

 

[HitchHiker71]

I am having a problem getting Wyndham to honor my Pathway request. I became a Pathway "member" when I joined Club Wyndham Access on May 13, 2013. I recently attempted to cash out a considerable number of points (roughly 800,000) and was told that "yes, you have Pathway but are not eligible for cash back". (They claim that my contract date for CWA was 2 days prior to Pathway becoming "official".) I'm still pursuing this oxymoronic decision and am determined to fight it all the way. Has anybody else had similar trouble?

If Pathway is listed in your actual contract as an entitlement then you've got some ground to stand on. If not, good luck fighting for something that doesn't exist in the written contract. It doesn't really matter what anyone said in 2013, as that's all hearsay, it matters what is in the written/signed contract from 2013.

 

[jenniferfromri]

Your only real options are:

1. Stop paying and default (which it sounds like you’ve already done).. You’ll take a credit hit, but it won’t be the end of the world (do you have any large purchases planned in the next 7 years?); or
2. Work on paying it off and learn how to use it.

That’s really it. No matter what you do, don’t pay any money too any company offering to help you exit your timeshare, they are alll scams. You cannot sell or give away your timeshare while there is a mortgage on it, that part is correct.

Thank you for your advice. I think, I just let it default because I don't have plan to make any large purchase, one thing I can do just to save money if I buy something in the future than paying timeshare that I can't even use. Question, does affect my house or any property that I have?. Thanks again.

 

[jenniferfromri]

If you do keep paying on it, figure out a way not to pay the crazy interest rates they charge on the loan.

I am trying to figure it out but I already stopped paying the loan. They used my credit card top of the interest of loan is 15.99% and plus a high interest of my credit card. I'm still paying the credit card the opened for me for the down-payment for more than 2k plus. I didn't have an idea about timeshare because this is my first I have it. Thanks for your advice. I do appreciate it. Hopefully i can get out of this because every time I reached to wyndham office and they're just being rude and telling me there is no way to cancel this timeshare.

 

[Fido Chuckwagon]

Question, does affect my house or any property that I have?. Thanks again.

Almost certainly not. Without knowing what state you’re in and what state the timeshare is in I’d say there’s at least a 99 percent chance that a deficiency foreclosure followed by a lien filed against real property that you own is impossible. Even if it were legally possible, I’m unaware of any recorded instance of this happening anywhere, ever, with respect to a timeshare default.

 

[tschwa2]

I am having a problem getting Wyndham to honor my Pathway request. I became a Pathway "member" when I joined Club Wyndham Access on May 13, 2013. I recently attempted to cash out a considerable number of points (roughly 800,000) and was told that "yes, you have Pathway but are not eligible for cash back". (They claim that my contract date for CWA was 2 days prior to Pathway becoming "official".) I'm still pursuing this oxymoronic decision and am determined to fight it all the way. Has anybody else had similar trouble?

Your pathway contract, should list all of your Pathway eligible contracts on the Pathway Addendum. Did you contact the number listed on the Pathway page of your contract. I would start with getting them to put the denial in writing and then you may need to contact an attorney. If your Pathway addendum is so noted and signed, it shouldn't matter if they gave you the contract before they officially rolled it out or not.

The problem has always been some wishy-washy language in those contracts about Wyndham being able to discontinue the program, but you are the first one reporting that they are saying they won't honor the contract.

 

[Towerguy]

What does your contract/paperwork say?

I am waiting on Wyndham to clarify the situation. My 2013 paperwork refers to "cash back" or similar wording. I am away from home for a while so can't look it up now. I have attended many Wyndham "Updates" since my purchase of CWA in 2013, and have invariably been congratulated for my Pathway ownership. It feels like Wyndham is trying to renege on their obligation.

 

[Towerguy]

Your pathway contract, should list all of your Pathway eligible contracts on the Pathway Addendum. Did you contact the number listed on the Pathway page of your contract. I would start with getting them to put the denial in writing and then you may need to contact an attorney. If your Pathway addendum is so noted and signed, it shouldn't matter if they gave you the contract before they officially rolled it out or not.

The problem has always been some wishy-washy language in those contracts about Wyndham being able to discontinue the program, but you are the first one reporting that they are saying they won't honor the contract.

Thank you. Good advice!

 

[jenniferfromri]

Almost certainly not. Without knowing what state you’re in and what state the timeshare is in I’d say there’s at least a 99 percent chance that a deficiency foreclosure followed by a lien filed against real property that you own is impossible. Even if it were legally possible, I’m unaware of any recorded instance of this happening anywhere, ever, with respect to a timeshare default.

I live in Florida and also I got the timeshare in orlando fl also. Thank you for corresponding my question. I got stuck with this timeshare nightmare.

 

[Fido Chuckwagon]

I live in Florida and also I got the timeshare in orlando fl also. Thank you for corresponding my question. I got stuck with this timeshare nightmare.

FL has a nonjudicial timeshare foreclosure process. So long as you don’t object to the foreclosure the lender cannot get a deficiency judgment.

 

[Towerguy]

If Pathway is listed in your actual contract as an entitlement then you've got some ground to stand on. If not, good luck fighting for something that doesn't exist in the written contract. It doesn't really matter what anyone said in 2013, as that's all hearsay, it matters what is in the written/signed contract from 2013.

I fear you may be right. I need to re-look at the contract. There's more to the story, but later for that.

 

[dioxide45]

FL has a nonjudicial timeshare foreclosure process. So long as you don’t object to the foreclosure the lender cannot get a deficiency judgment.

One thing I notice about the Florida statute is that the timeshare entity has the option to initiate a nonjudicial foreclosure. Not the requirement to do so. So it is possible that the timeshare entity goes the judicial foreclosure route regardless of the option for nonjudicial. I don't know why they wouldn't go nonjudicial given the cost and timeline benefits, but the possiblity of a judicial foreclosure does exist.

 

[jenniferfromri]

One thing I notice about the Florida statute is that the timeshare entity has the option to initiate a nonjudicial foreclosure. Not the requirement to do so. So it is possible that the timeshare entity goes the judicial foreclosure route regardless of the option for nonjudicial. I don't know why they wouldn't go nonjudicial given the cost and timeline benefits, but the possiblity of a judicial foreclosure does exist.

Do you think wyndham can sue me and force me to pay the remaining loan?

 

[jenniferfromri]

I fear you may be right. I need to re-look at the contract. There's more to the story, but later for that.

Do you think wyndham can sue me and force me to pay the remaining loan?

 

[rickandcindy23]

You don't have to pay anything monthly to freeze your credit. That is not true.

How did you try to rescind? You sent a letter to the mailing address on the contract and they didn't let you rescind?

I would write a letter to the Florida's Attorney General, if it were me.

 

[HitchHiker71]

You don't have to pay anything monthly to freeze your credit. That is not true.

How did you try to rescind? You sent a letter to the mailing address on the contract and they didn't let you rescind?

I would write a letter to the Florida's Attorney General, if it were me.

She attempted to rescind five days beyond the documented rescission period in the contract. That’s in her first post. Contacting the SAG likely isn’t going to help given this fact.


Sent from my iPhone using Tapatalk

 

[jellis1040]

Do you think wyndham can sue me and force me to pay the remaining loan?

I cannot say definitively "yes" or "no". I can tell you this, I have been in this industry for 15 years now. I have spoken with thousands of owners all in different situations. In all of these years, I have not heard of one owner being "forced" to pay for a timeshare debt. It has been my experience that you will receive non stop phone calls and letters just like any other collections in which case it is wise to send the a cease and desist. I have not had one, or heard of one single report of someone having wages garnished or assets seized when someone decides not to pay their "debt" to a developer. However, there are certainly aspects of each unique situation to consider and there are wrong ways and right ways of dealing with each individual situation. There is no "one size fits all" template to use. I must add - getting through this is not rocket science nor does it require significant sums of money to be spent, but it does help to have someone knowledgeable in the industry to help guide you through the process to manage expectations and to expedite the process. There are insights regarding the tax implications that vary wildly depending on the many scenarios related to the terms, conditions, and statements stated as well as written when the transaction took place. The difficulty is in knowing who and what to trust as there is no shortage of resources out there claiming to have the expertise to point you in the right direction for a fee of some sort. Here, in this forum, you have a great repository of knowledge and information that you can get nowhere else and the information is free. Good luck to you and anyone else in your situation!

 

[Fido Chuckwagon]

I cannot say definitively "yes" or "no". I can tell you this, I have been in this industry for 15 years now. I have spoken with thousands of owners all in different situations. In all of these years, I have not heard of one owner being "forced" to pay for a timeshare debt. It has been my experience that you will receive non stop phone calls and letters just like any other collections in which case it is wise to send the a cease and desist. I have not had one, or heard of one single report of someone having wages garnished or assets seized when someone decides not to pay their "debt" to a developer. However, there are certainly aspects of each unique situation to consider and there are wrong ways and right ways of dealing with each individual situation. There is no "one size fits all" template to use. I must add - getting through this is not rocket science nor does it require significant sums of money to be spent, but it does help to have someone knowledgeable in the industry to help guide you through the process to manage expectations and to expedite the process. There are insights regarding the tax implications that vary wildly depending on the many scenarios related to the terms, conditions, and statements stated as well as written when the transaction took place. The difficulty is in knowing who and what to trust as there is no shortage of resources out there claiming to have the expertise to point you in the right direction for a fee of some sort. Here, in this forum, you have a great repository of knowledge and information that you can get nowhere else and the information is free. Good luck to you and anyone else in your situation!

While this is good advice, your posting history makes it look like you were, at least at one point, involved in a timeshare exit company? Apologies if i have that wrong, however if you were and were soliciting for one now (via pm etc), I’d feel it incumbent to warn the person you are responding to that history has shown us that every single timeshare exit company is a scam. Again, if you are not, apologies in advance.

 

[dioxide45]

While this is good advice, your posting history makes it look like you were, at least at one point, involved in a timeshare exit company? Apologies if i have that wrong, however if you were and were soliciting for one now (via pm etc), I’d feel it incumbent to warn the person you are responding to that history has shown us that every single timeshare exit company is a scam. Again, if you are not, apologies in advance.

I watched the episode of Timeshare Solution or Surrender with @Irene Parker yesterday. They've talked to thousands of timeshare owners. Irene mentioned they were aware of three situations where the developer sought a deficiency judgement (for a timeshare loan). All were situations where the timeshare owner worked through an exit company. So it seems the lawsuit for deficiency judgement was more punitive toward the owner vs. standard practice.

 

[RENTER]

I have been reading that since there are so many people walking away from their timeshares, it is causing financial problems with unpaid maintenance fees. That many companies now rather than foreclose after their collection attempts fail, are now offering free deed backs.

 

[rickandcindy23]

I have been reading that since there are so many people walking away from their timeshares, it is causing financial problems with unpaid maintenance fees. That many companies now rather than foreclose after their collection attempts fail, are now offering free deed backs.

Captain Obvious.