Desperate Legal Advice Needed

[charmsdroppop 0]

Anybody familiar with timeshares. I am in so much trouble suddenly.....First to admitt what a sucker I am. I got a call for free airline tickets back in march if I went to a 90min. thing about this with no obligation to buy. My dumbass went and 2 champaign bottols later sighned off on what sounded good. Life time vacation places for under 200 bucks a month. Next day I knew I didn't want any part of this. Next thing I know I get a payment book and all this RCI from the Grand Geneva in wisc. I call them and am told wisc. law requires 5 days to cancel not the 30 days I thought. I ask how can I cancel this after putting $1,300 down that I wanted back. No refund and was told to not make payments and it would get suspended. I feel like a big dumsky already about the $1,300 loss. Now I got collection people contacting me. Do I need a lawyer????? I never did get any airline tickets or a copy of the contract. Stupid stupid idiot me!!!!!!!! What are my legal options.......anybody....
Very Frustrated, Paquita

[flyinghonu 0]

You should talk to a lawyer in Wisconsin and see if this 5 days BS is even legal. If it's not, then the contract may be considered null & void but I don't know how you would then go about getting the money back - you need a lawyer.

Ooh, if you want to do a little homework of your own. Contact the BBB and get a little more information on this company you signed the contract with. If they have tons of complaints, you might be able to the get the BBB to help you resolve the issue.

Edited to Add: WTH is "lawrocket" today?!?!

"Excuse me while I kiss the sky..." - Jimi Hendrix

[Sebazz1 2]

Do you have a copy of the contract you signed? You need to take that to an attorney for review.

[RhondaLea 4]

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Do you have a copy of the contract you signed? You need to take that to an attorney for review.

What he said.

If you try to resolve this yourself, you could end up in a real mess.

Be sure to mention you were toasted when you signed the contract.

rl

If you don't know where you're going, you should know where you came from. Gullah Proverb

[charmsdroppop 0]

Good god what a mess. Thanks for your input. I really appreciate it. I did try the BBB since my money was made out to Chicago title and was also directed to go thru cheeseland.......oooppps I mean wisc. This year sucks!

[charmsdroppop 0]

I requested a copy of the contract and was told it would be sent. Never came. I also emailed the agent lady or whatever she is and she claimed to not have gotten my emails in time. How convenient. I have saved those at least to prove my contact attempts.
Thanks for your input.

[flyinghonu 0]

Quote

Quote

Do you have a copy of the contract you signed? You need to take that to an attorney for review.

What he said.

If you try to resolve this yourself, you could end up in a real mess.

Be sure to mention you were toasted when you signed the contract.

rl

VERY good point. Not only may the 5 day BS be illegal and void the contract but the state (i.e. drunk not location) you were in when you signed it will definitely help that.

"Excuse me while I kiss the sky..." - Jimi Hendrix

[charmsdroppop 0]

Thanks RhondaLea, looks like I already waited too long. Damnit!! Never needed a lawyer without getting arrested at least.

[skyhigh57 0]

Edited for personal attack. Don't do it again.~ Skymama

[Sebazz1 2]

Call them and have them fax you, overnight you, PDF you, anything to you the contract. Your attorney will have to review some state qualification matters as well. An attorney might actaully be able to expedite the process of obtaining the contract. That's a real bummer but you'll make it through...

[RhondaLea 4]

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Thanks RhondaLea, looks like I already waited too long. Damnit!! Never needed a lawyer without getting arrested at least.

Just don't wait any longer.

And don't forget to mention you were drunk.

rl

If you don't know where you're going, you should know where you came from. Gullah Proverb

[RhondaLea 4]

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Given your demonstrated mental capacities, please give up skydiving.

Not nice.

This kind of thing happens all the time, and it happens to smart people as often as it happens to stupid people. That's why they call it "sales."

Most people believe what the salesperson tells them, and particularly in these kinds of transactions, most of what the salesperson tells them is bullshit. "Don't worry about it" comes to mind. So people don't pay as much attention as they should to the language that says the contract governs and oral representations will not be honored.

It's a time-tested sales technique to make all kinds of bullshit oral claims that are overriden by the written contract.

Don't be so hard on her.

rl

If you don't know where you're going, you should know where you came from. Gullah Proverb

[charmsdroppop 0]

You don't know me or my drinking tolerance, whatever.....quit wasting my time and yours. As if you've never been mislead or screwed before. This has nothing to do with Jumping issues, that's why it's in the bonfire....smartass!

[charmsdroppop 0]

Yeah did I not mention already feeling" dummsky" here. Thanks RhondaLea, I made a mistake and was NOT extremely intoxicated. I'm not gonna argue here, just wanted some legal input.

[RhondaLea 4]

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Yeah did I not mention already feeling" dummsky" here. Thanks RhondaLea, I made a mistake and was NOT extremely intoxicated.

Listen to me carefully: you were enough intoxicated that you were not competent to sign the contract.

Keep repeating that. Over and over again.

rl

If you don't know where you're going, you should know where you came from. Gullah Proverb

[Gravitymaster 0]

Under the laws of most states, you must be given a copy of the contract at the time of purchase. The recission term doesn't start until then. If they gave you 2 bottles of Champaign before you signed a contract, then you have very good grounds for cancelling, although it would really surprise me they would employ this tactic given the scrutiny most Timeshares are under by the States Attorney and Real Estate Commission.

Is this a deeded Timeshare, or a Vacation Club? If deeded, I wouldn't waste my time with the BBB as they are largely ineffective and generally side with the business. I would contact the State Real Estate Commisssion and the States Attorney by writing a letter explaining all the details. If all you say is true, you probably aren't the first one to lodge a similar complaint. If all you are experiencing is buyers remorse after the 5 day cancallation period, you are stuck. Best thing to do is contact the Timeshare and see if they are willing to let you buy your way out.

BTW, I have had a few Timeshares and I love them. Why are you trying to cancel it?


Edited to add. If you knew you had made a mistake the next day, why didn't you cancel it then?

[charmsdroppop 0]

First of all the champaign was given by them, But I am taking some self responsibility for drinking it. I don't even like that stuff. And yes ,it is a vacation club that I really don't have any desire or time for. I don't know.....just don't want this in my life. I rather go to a boogie and sleep in my car and jump my ass off instead of "the golfing view and spa stuff".

[Gravitymaster 0]

I'd still contact the Real Estate Commission and the Attorney General. What bothers me is them giving you Champaign before signing a contract. In fact IMO it would have been unethical to have given you any alcohol, even after you signed. I'm also bothered that you did not recieve a copy of the contract at the time you signed. Was anyone with you that could be a witness to the Champaign?

Other than that, it's just a simple case of buyers remorse and you have to understand that a business is required by law to allow you to cancel within the legal time limit but at some point they are entitled to call it a valid sale and start the Admin. process.

Suppose you had purchased something like a car with cash and felt you got a great deal on it, only to have the dealer call you a week later and tell you they made a mistake and undercharged you and either wanted the car back or wanted more money. You would probably tell them to go jump in a lake.
I'm not trying to be mean, but at some point, a deal is a deal.

[charmsdroppop 0]

I understand how "a deal is a deal" I am determined to fight it anyhow. I was also informed of the option to sell this thing.I will certainly become wiser from this.

is it dark yet

[flyinghonu 0]

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"a deal is a deal"

Not so cut and dry when it comes to the actual law.

"Excuse me while I kiss the sky..." - Jimi Hendrix