Fairfield Resorts, RCI International misleading presentation, oppressive "hard-sell" sales techniques, shady financing, unethical business practices, DO NOT SIGN ANYTHING Florida and Nationwide

I was employed in Indianapolis @ an RCI facility working for firfield. I booked vacations. Don't let them tell you canvelations are rare. about 75% of the customers I spoke with were lied to by salesmen and wanted out. We were simply directed to give to address to the legal department. we were also told they didn't take direct calls so we didn't need to know the number!. as you know ther is no real chance of getting the info you need through the system they have in place. w/o a lawyer or previous knowledge you are up the creek with out a paddle.

I personally along with several others took these complaints to the department head in indianapolis Nancy Grindstaff (still in charge today I believe). She did everything she could to fire me, but I was one of the highest producers who didn't lie. I took her quit a while so finnaly she had me explain it to her boss Casey Clements Who worked In orlando. He Ignored me by explaining that I had just unlucky and getting bad calls (5days a week for a full year?). I quit so I could sleep well again as soon as I could. However before I did spoke with casey's boss a V.P. by the name of Don who said he would look into it. However It didn't

I also hae looke through other ripp off reports to help people. Everey single time I do, whithin days some from Orland, FL respondes in defense. Odd isn't it.

The bottom line is that are following the mafia code of "omerta". You can't prove what you didn't record, and It can't be recorded If It isn't ever spoke of again. You are not the only one. There are literally thousands of others I spoke whith. If I ever blew you off I'm sorry

I too along with Matthew am a timeshare owner at Fairfield Ocean Ridge in Edisto, SC. My husband and I own one week and my parents own 2 weeks. My parents have been owners for almost 20 years. My husband and I have been owners for 10 years. We love ours!! I can't imagine a better place to go on vacation. I always know when our week of vacation is and where we will be at. Our week is paid for, so all we have to do is pay our yearly maintenance fee, which is low for the quality of our accomodations.

I have only "cashed my week for points" once, mainly because there is no place I would rather be than Edisto. I didn't get to exchange it for the resort that I wanted to go to, but I tried to exchange only about 1 month prior to when I wanted to travel. However I did exchange for a different resort and had a great week.

I do not work for Fairfield!! I cannot speak as to the selling practices you faced. I have ran across unethical sales people in just about every job of selling!! I am sure some people have had bad experiences. But there are at least three of us (my parents included) that have had very good experiences. The trick is to research, research, research before you sit down to talk to anyone.

Whether you are buying a house, car, tv, or timeshare. Know ahead of time what kind of company you are dealing with and what they are selling. And remember their job is to sell! They are not in most cases going to have your best interests at heart - only their pocketbook!

Know what you want before you go and how much you are willing to spend. Never make a rash decision, never be bullied to buy, and most importantly, be willing to walk away if things don't look, feel right, or fit your budget. Stan, I am not attacking you or anyone else that has written and I appreciate you sharing your hard-earned knowledge with us and hope it helps others. Just remember the old, old saying - "If it's too good to be true...".

Just wanted to send big Thanks to Stan. You're words of wisdom were great. We bought a timeshare on Oct 6th and then quickly had buyers remorse. It just wasn't right for our family and for us, it's cheaper to go on vacation for the next 20 years then spend tens of thousands of dollars on a timeshare now.

So needless to say, I found this site and started doing the things you recommended and I called the numbers that were given to me on a handout which had approximately 12 people on it with their phone extensions and emails. What I didn't realize was when I called the numbers it did not give me an option to enter an extension, so I would leave messages, but no one would ever call me back.

So then I started emailing all the people on the list, I emailed them 2 times a day for 3 days, and still, no one replied. Finally I got all the info together and faxed my cancellation letter and certified mailed it to the office in Las Vegas and just registered mailed it to the office in Orlando.

Finally, I emailed all the people on the list again and pleaded for someone to call me back or email me back that they have received any of the cancellation papers and I attached the exact form I had mailed them into the email. Finally on October 12th, someone replied to my emails saying that they have received all my cancellation papers and that I would have my refund within 30 days.

I have gotten my money back, so, no harm no foul I guess. So, now I can say I WAS a timeshare owner. Thank you again for all your advice, I even used your template to write the written intent to cancel letter. Thank you SOOOOO much :)

I'm an owner of three Fairfield timeshares. And I love them. The key is to know what you are buying. Do your research. Don't go to any timeshare presentation and buy the first time. This is a $10K+ investment if bought from Fairfield. You shouldn't be signing anything the first day. The way they get you is that its a one day offer, if you get up from the table the price goes back up to full retail, etc, etc. But the truth is that they want to sell the timeshares, and they will sell you one at there going rate whenever you want to buy it from them. The reason they are able to sell so many of these timeshares is that they are really selling a great product, and most people have no clue what the product is worth. So they talk up the product, and they put a price tag on it. Enough people bite that they are able to make a living as salesman, and as a company. Yes, in my experience they do lie to you when trying to sell the product. I don't think they really know they are lieing. Fairfield hires people that can sell, to sell timeshares, not timeshare experts. The Fairfield system is very complicated, it takes many hours of study to truely understand the system and how it works, and then you have to actually use the Fairfield reservation system and RCI exchange system to learn how to make it work for you. Timeshare users train themselves to plan their vacations in advance. So, right now I have a trip booked in January, one in March, one in May, & one in July. Pretty soon I will book something for September 2007. That is probably why people have problem making reservations, with timeshare you plan ahead and make the trips happen, you don't decide at the last minute you want to go somethere, because if you do, you will be out of luck, the resorts will be full. (just a side note, you can book last minute deals at great prices, but they will be for places that have last minute vacancies and probably not the place you want to go) The point being don't throw out the Fairfield timeshare system because you don't like the slimey salesman. Investigate it. Its great. Search Fairfield on Yahoo, Google, and EBAY. You will find that Fairfield sells the timeshares retail but there are great buys available on the resale market. Fairfield gets $15K from the first guy, when he is ready to sell he can only get about $3K. That is the time to buy, it really makes sense to get involved for the $3K price. JUST DON'T BUY FROM THE SLIMEY SALEMAN. Research the product and see if it has value to you.

Thanks Stan. You are a saviour. I am writing the Notice of Cancellation right now. Is there a particular format? is there anything that must include?

I am going to send notorized copies and Fax to the 2 addresses by tommorrow

Thanks
Sh,New Jersey

Please read this whole thread and do exactly what we did and you should be ok. If you have any other questions when you are finished reading, consult a lawyer. You should start ASAP because time is running out.

Please read this whole thread and do exactly what we did and you should be ok. If you have any other questions when you are finished reading, consult a lawyer. You should start ASAP because time is running out.

We bought a timeshare (yesterday) at Fairfield resorts , atlantic city. We would like to cancel. How do we go about doing this?

I was actually wondering how long it would take before someone who obviously works at Fairfield would come to my thread and try to defend their unethical business practices. And here he is. Don, welcome! Let me tell you what I know. Correct me if I'm wrong, but isn't the Fairfield corporate headquarters in ORLANDO??? Yeah, I thought so. I know employees from Fairfield regularly come on sites like this for the purpose of DAMAGE CONTROL. Nice effort. You just helped me help more people. Thanks for stopping by.

But while you're here, I have a few questions for you.

How long did Fairfield expect me to keep smiling, Don? Should I have kept smiling when I learned that THE RESORTS THEY PROMISED ME DIDN'T EVEN EXIST? Should I have kept smiling when I learned that THE POINTS ARE HYPER-INFLATED and THE DEED IS PRACTICALLY WORTHLESS? Could I have kept smiling after MY FAIRFIELD REP VERBALLY BERATED ME ON THE PHONE WHEN SHE FOUND OUT I WAS CANCELLING? It's a racket plain and simple because if it really did work the way it is explained, you wouldn't have to rely on presentations and carefully orchestrated pyramid schemes carried out safely within the confides of the Fairfield compounds. There would be no reason for the "hard sell" because people would be breaking down the door to sign up. You wouldn't have to resort to DAMAGE CONTROL on the Rip-off Report. But there is a disconnect between what is said and what is provided in the legal contract. Prove me wrong Don. Go ahead.

Next, I want to talk about your magazine claim. I also heard them cite some random magazine article during the presentation but I was skeptical because it sounded like an extremely minor publication. Anyone can write a magazine Don. So since you work at Fairfield, maybe you can enlighten us. What magazine was it from? Can I actually find it somewhere outside of the Fairfield compounds? If so, where? I'm will take your claim of 500,000 owners at face value but first I will challenge you on it. Where can we find a list of these owners? Is there something like a "Fairfield Phonebook". I'm willing to bet it's another distortion of figures which may include everyone who ever signed a contract and cancelled, sold, defaulted, etc.

Anyway 500,000 is an extremely large number of people. What is the ratio of owner to deeded property? If there was ever a class action lawsuit, I wonder if the true figure would come out...

Plus, I want you all to note the "Squeaky wheel" comment. Would you really come to a website like this just to write a comment like that? What's his conviction and how would he be in a position to know how the vast majority feels about their Fairfield experience? Why would he attack my thread when all I've done is expose this disconnect for what it is? What is his motive? It's DAMAGE CONTROL. I want all of you people who come here looking for answers to note that NONE of the things put forth on my thread were or have been challenged yet. On top of that, the only thing the concerned "Don" from "Orlando" could muster was that there is so "So much negativity" on this thread. In the end, since nothing I wrote can be challenged, he tried to slander me for reading the fine print. You know, most people don't read the fine print when they sign a contract when they really should. This experience is precisely the reason why.

I can't believe there are so many problemed owners with Fairfield, but here's what I know. When I bought at Fairfield the second time, one thing the salesman showed me was an article in a magazine about Fairfield that said the year before over 20,000 Fairfield owners opted for more points. 20,000 owners that I guess have the system working for them. Then I went on the website and it says there are over 500,000 owners. So maybe it is a case of the squeaky wheel makes the most noise but the vast majority don't have the problems.

thank you for your information... i followed the steps you used in cancelling my contract with fairfield resorts on 10/3/2006

i wonder how much time before i am contacted with the stalling tactics...

and funnily the day after i faxed them my notice... i was called twice once to say i had "won" a free trip and the second to invite me to an owners party or something... both persons being informed i was cancelling my contract with them

I want to thank you for posting your experience with this company. I just received a call from them saying I won a trip through a contest at David's Bridal. I never entered a contest and this is the 2nd call I have received, the first was Royal Prestige which is also a scam to sell pots and pans. I instantly looked this company up while on the phone and told her no thank you.

I was impressed by her offering to call back at a more convenient time and also admitting that it is a sales tactic with no obligation. They were at least honest about it. Nevertheless I still wont buy into their crap thanks to you. I have filed a complaint against Royal Prestige and Davids' Bridal for selling my information that they claim is contest entries.

If you fill out an appointment request on-line, they sell that to these companies no matter what they say about how I must have signed up for something or my friends did for me or whatever. Bottom line is I have never even been to Davids Bridal and I do not enter contests because of this very thing. Glad to see your post and I hope others check this site before dealing with this company!

Helena,

I am very glad that I was able to help you with your Fairfield resort cancellation process. The fact that I was able to help anyone through my own mistake makes it a little bit easier to take, you know? Plus, the fact that I havent received a rebuttal challenging any part of my experience speaks volumes about the company and their unethical business practices. They cant refute anything because its all true. Ill never fall for something like this again.

As far as what you did, it sounds like you did everything right. Maybe I overreacted and you dont need to have the document notarized. Im not really sure. So thats why a lawyer would come in handy. If he didnt bring it up while he was writing your cancellation document, youfre probably ok. I am curious as to what your lawyer friend had to say about this whole ordeal.

As far as sending the documents and the phone calls, you did it right. You sent it to several places and have proof of the receipt so they cannot say they didnt receive it. On top of that, you have proof that you also had an unsuccessful delivery to one of their addresses. That looks really shady in the eyes of the law. Plus, remember I said that they would straight lie to you to get you to hesitate. So its good you stood your ground. But if they said that they received your cancellation, it was being processed and Mike also tried to pitch the leasing option to you, then I think you are in the clear. Keep all your records just to be safe though and do one more check on them tomorrow to be sure that everything is proceeding accordingly.

If you dont mind me asking, how did you finance the down payment? However you did it, I would contact that financial institution ASAP and make them aware of the situation. I would then call Fairfield back, stress the urgency of the situation and give them a reasonable deadline. Warn them that if the refund is not completed by your deadline, you will file a fraud report with your financial institution, put the payment into collections, and file a police report first before you call them back again. They do not want anyone, especially the police involved so you should receive your refund promptly.

Please let me and everyone else know how everything turns out you. Good work and good luck!

Stan,

Thanks for all of your tips and advice. I have a friend who is an attorney and was actually on the tour with me. However, here is the exact process I have taken. The numbers and names that you noted helped tremendously.

I purchased my timeshare on Saturday, Sept. 23. I decided to cancel on Monday night, Sept. 25 after I read through the catalogs, contract and did some online research. I just thought there were a lot of catches and then after reading complaints I found it was in fact too good to be true. Here is everything I did:

Monday Night:

Step 1. I called Scott Lyons, my Sales Rep from Newport Rhode Island. I left a message on his cell....no response back. I then emailed Scott both copies of the letters I had my friend the lawyer type up for me. I did not get anything notarized...but I am hoping that is ok.

Step 2. I called Kathy Parks, my Vacation Consultant. Her number led me so someone elses voicemail, but I left a message anyway.

Tuesday:

Step 3. I overnighted both letters. One had to go to Las Vegas (P.O. Box 94443, Las Vegas, NV 89193) the other to Atlantic City (100 S. North Carolina Ave.) I got tracking numbers and receipts for both. I also faxed both copies to the Recsission Dept at the number you provided. I have confirmation on that as well. I also faxed both copies to my Sales Rep Scott Lyons.

Step 4: Back to the phone calls. Could not reach anyone at the Newport Office. Finally got through to some guy named Ludwig. He told me I had done everything correctly and that I will be contacted by corporate. I also called 1-800-251-8736, spoke to Sharon. She tried to tell me I only had 3 days to cancel, but I read the contract to her word for word. She didn't seem to care. I called "mike" in the Orlando office at the number you provided. He was still there. Told me that he is in charge of cancellations and when her receives a list he makes the phone calls to the people on them. I told him I was cancelling and he tried to talk me into leasing. However, he said I followed the cancellation policy and should be fine. He gave me the number for Vegas 800-251-8736 and said to talk to their finanace department. I tried to call Kathy Parks, my VAcation consultant, one more time. She was not there again, but I talked to a Newport Sales Rep named Jared. He was VERY helpful, said I had done more then enough. Suggested calling the vegas corporate to ensure my letter was received.

Wednesday

Step 5: I checked the status of my deliveries. The Atlantic City letter was received by Blare Hayden. The Vegas letter however had an unsuccessful delivery........NO idea why!

Step 6: I called the finance department in Vegas. Joe (I should have gotten his full name and extension) he looked me up in the system. He told me that my cancellatin was in process.......but I really hope he was telling the truth. He said that I should get a call in a few days and someone will try to convince me not to cancel. But he said within 30 days I will be fully refunded.

So, I'm hoping I am in the clear. But I am not 100% sure. I am assuming it was the faxed letters that they received and just started to process. My contract deadline is tomorrow at midnight, so I plan to call the vegas finance office again tomorrow, get exact names and direct numbers to ensure that this cancellation process is complete.

I'll give you all this tip, do not sign up for a timeshare unless you research and truely want to do this! I got caught up too quickly and am very glad I did my research before my cancellation window was up. I will be doubtful until my full deposit is returned, but I've followed all their guidelines and have full documentation and a lawyer ready to stand by my side. Thanks again Stan! And anyone else there, I know this email is long...but hopefully it can help. They make the cancellation process VERY difficult.

Helena,

Thank you for your questions. I initially wrote my report to try to expose this company's unethical business practices. I'm really flattered that people are actually reading it and asking me for help/advice. So I will try my best to help you. However I cannot/will not be held legally responsible for my suggestions as I am not a lawyer. You may want to consult one for further advice to avoid making a costly mistake.

Consider my report to be a basic blueprint for canceling you Fairfield Mortgage contract. The cooling-off period varies by state so make sure you know what you are getting into. It is the law. This cooling off period cannot be taken away from you even if it isn't explicitly written into your contract.

First, READ YOUR ENTIRE CONTRACT (which it seems you already have). Make sure you understand it. Then make the document stating "your written explicit intent to cancel your mortgage contract and everything associated with it without penalty and/or obligation as stated by said contract and by state law effective immediately" ASAP--. If it says you have 7 days to cancel, make sure you send it several days in advance --ASAP-- and make note of when you sent it in your document. Be as specific as you can when citing the termination period and that you are within it. Make sure you emphasize that your termination is without penalty or obligation as required by law because they will try to scare you with penalties/threats after they receive your termination notice. They will assume you don't know your rights so be prepared.

When you are finished writing your document, you must have it notarized. Take it to your bank and they should probably have a Notary Public there. Bring a witness or two to sign it. Make copies of everything.

When you go to send your documents, make sure you know where to send them to! They will give you a specific developer's address somewhere in your contract to send you written cancellations to. It may/may not be where you had the timeshare presentation. For example, our presentation was at the Ft. Lauderdale/Palm Aire resort but we had to send our cancellation to Las Vegas. Make sure you know where your documents are going and consult a lawyer if you can't find the address. Also, FAX it to the Fairfield rescission department and get a report from the FAX machine saying it went through. As I wrote in my previous report, that FAX number is probably (702)277-3298. But I would still double check with the company to make sure that the number is still valid.

Then send it USPS Express Priority Mail and make sure it is registered (which I think all Express Priority Mail is). You want someone to sign for it on the other end.

Go ahead and call "Mike" but I don't know if he is still with the company. He never responded to my last e-mail about the mail coming to our house directed at Fairfield "owners". It seems the turnover rate for Fairfield employees is rather quick/high. Also, make sure you call the people you dealt with in Newport, R.I. and make a note of who you talked to and when. The probably gave you a business card. Again be prepared for accusations and verbal threats when you tell them of your intent to cancel.

Finally, make a detailed report of your Fairfield experience on this website. Be as specific as you can. It can act as a log of your activities and it will not only help you, but it will also help other people in the same situation. Make sure you keep copies of all correspondence and any documentation as proof. You want to cover all your bases. So if you do all of this within your cooling off period, you should be ok. But if you don't feel like you have complete control over this situation, or have any legal questions, I would also definitely consult a lawyer too ASAP.

I hope this helps. Good luck.

Stan,

I read your comment about the trouble you were having with cancelling your fairfield resort timeshare. I am just looking for some advice. I agreed to a contract on Saturday and it says I have 7 days to cancel.

Tomorrow morning I plan on faxing and mailing my two cancellation letters. Question - do I need this letter notarized? I have the phone numbers and fax numbers that you listed and plan on calling "mike" first thing in the morning. I also plan to call the people I dealt with in Newport, R.I. as well.

After reading all of the negative feedback online, I just want to get out of this contract before 7 days is up. I just want this process to be as easy as possible. It's written in the contract that I have 7 days, that gives me until Friday.

Please respond back as soon as possible with any advice. THANKS!

Veronica,

I'm really sorry about what happened to you but I'm not a lawyer so Ifm not really sure what avenues you have available to you at this point. You are legally bound by the contract they had you sign and there is really no easy way you will be able to get out of your obligations. All I know for sure is that the longer you wait to act, the more painful it will be for you. I can give you some advice but it would be wise to first consult a lawyer as soon as possible before doing anything that would put yourself in any sort of legal jeopardy. These are some things you could consider doing with the approval of an experienced lawyer.

1. Make records and organize all correspondence with the company (names, dates, topics of discussion, etc.). This will create a working case file your lawyer will be able to use. Have them also check to see if they over-deeded your property. The company might try to settle with you if you find something that is a real threat to them.

2. Change your bank accounts so that they cannot get any more money from you until your issues have been fully addressed and settled. However, I would strongly advise you to consult a lawyer before doing this. You might have to initiate a lawsuit before you can stop paying. Otherwise your property will be put into forclosure and this will completely destroy your credit rating.

3. Report them to government agencies which specialize in this kind of gBad Businessh. Your lawyer should have a list of the relevant agencies.

4. Contact any media outlets that will listen and go to where your property is deeded. Picket in front of your gpropertyh. As far as I know they cannot remove you from the premises since you are gpart ownerh. Handcuff yourself to a stop sign or something in case they can. The company will not want the bad publicity a stunt like that would generate. But again consult a lawyer before you plan to do something like that.

5. Finally, you could put your deed on the open market and just sell it for whatever you can get. This might just be the least painful option you have.

Again I'm really sorry but I'm not a lawyer. So even if you do the things I just listed, there is no guarantee that any would be effective apart from just selling your property for pennies and walking away. So I would strongly suggest contacting one today, before you act and see what they recommend. I wish you luck in your fight.

Stan,

We're with RCI/Trendwest Resorts. It's after the 10 day "grace" period. That's kind of what I was trying to say, it's been almost a year. We've only used the program once. We were allowe "6000 points", and used it one time for a one night stay in San Francisco and they claim, this used 1950 points. You can never book a trip, they're always booked up, and let them tell it, nothing is available in the area?

I have contacted the local office in Walnut Creek, CA, with no luck. Their response was, "You had 10 days to cancel". Is there anything that we could do? The payments are $150 a month, and our family hasn't had a chance to use it. They are scam artists and we need to know what we can do to cancel this. Please provide any advice.

Also, I've heard that they just merged with another company.

We're just a family living from paycheck to paycheck trying to have vacations for our family. Thanks.

Veronica

OK since I last wrote about our "experience" with Fairfield Resorts, we received a call from "Mike" again on August 23rd and an e-mail on the 24th. Basically he was asking us if we would consider "leasing" a vacation program since we rejected buying one. Here is what he wrote;

"We appreciate you considering ownership with Fairfield Resorts. I would to extend to you a low cost option for you staying active with Fairfield. Here is a summary of the Discovery Program, which is our vacation ownership lease program. I have also attached a PDF document which breaks down the cost of the program.

This program gives you the opportunity to try us out risk free. Many of our new owners have taken this route to get started and have been very satisfied.

The best part of this program is that at the end of your trial ownership period you will have the option of applying the money spent on the program towards full ownership - $2,295. In addition we can attach a price freeze on the package you might consider for upgrading to ownership at the end of your trial period...

...I would appreciate you letting me know by Friday, August 25 if you are considering taking advantage of the lease program.

Warm Regards,

Mike..."

Amusing, isn't it? The original package that they were offering us was priced at around $50,000. The one we cancelled was around $12,000 and now they were offering us one for $2,295. THIS ONCE AGAIN PROVES THAAT THEY WILL DO AND SAY ANYTHING TO GET YOUR MONEY. Thanks but no thanks. Fairfield tried to burn us once so shame on them. If they got a second chance then shame on us. So this was our reply;

"Thank you for the e-mail and the phone calls regarding the Fairfield Resorts Discovery Lease Program and for again confirming the cancellation of our mortgage contract with Fairfield Resorts. Unfortunately we are not interested in persuing any ownership opportunities at this time. I will call you if I have any questions about this offer or our cancelled mortgage contract. Thank you for your cooperation."

That was the last time I heard from him. However recently we started receiveing mail directed at "Fairfield Owners" in the mail. So today I sent Mike another e-mail requesting that this mail stop coming to our house immediately. Here is what I wrote;

"Recently we have been receiving mail in the post containing information directed at Fairfield owners. As we are not owners in your Fairfield resorts program, we respectfully demand that Fairfield cease and desist all mail correspondence coming to our residence immediately. We request a confirmation by e-mail stating that this mail has been stopped as soon as possible.

Also, I have confirmed that the initial deposit that was financed by the MBNA card opened up for us by Fairfield Resorts was refunded to our account on 08/28/06. That account has been cancelled as of 09/13/06.

Finally, I am still waiting on the confirmation letter stating that our mortgage contract with Fairfield Resorts has been officially cancelled. Please let us know the status of the letter and when we can expect it as soon as possible. Thank you for your cooperation with these matters."

So I'm sure that fairly soon Mike will send me an e-mail confirming that the mail has been stopped and that our Mortgage Cancellation letter is in the mail.

Finally, to cover all the bases, I'm almost finished consolidating all our funds to a different accounts. This will guard against the highly unlikely event that they try to withdraw money from the old account on 09/25/06. That should be completed within a few days and it's something I'd been meaning to for a long time anyway.

Anyway, stay tuned for more updates.

This is an update to the report I filed here on August 15th, about the unethical scams Fairfield Resorts is running. So I told you guys in my first report that I mailed/faxed the mortgage cancellation documents for this property:

Fairfield Resorts,
2601 Palm-Aire Drive North,
Pompano Beach Florida 33069,
(954)972-3300

I express mailed the documents to it's developer...

Palm Vacation Group
Attention: Contract Department
PO Box 94443
Las Vegas, Nevada 89193

I faxed a copy to the Fairfield Resorts Rescission Department...

(702)227-3298

...all within 4 days of signing so we are legally cleared of this mess per the requirements contract and by Florida State Law without penalty or obligation. We WILL get everything back.

The mailed documents arrived in Las Vegas yesterday morning and then yesterday afternoon, we got a call from "Mike" (877)201-4521 ext.7270 from the Fairfield Corporate Office to find out why we cancelled. Apparently cancellations are grareh. After telling him about the various misleading information and scams that we received, he said that they would all be thoroughly investigated. He apologized to us for the trouble they put us through confirmed that our obligations to Fairfield are now null and void and asked us to consider them in the future.

Now it was time to find the credit card they made for me which I appear to have no documentation for. After talking to ShaRon in the Fairfield financial services department, she told me to call this number to find my card (800)251-8736 ext 2,2,2. I called that number and Ifm under the assumption I was directed pretty much in a circle. Then I talked to another lady and I was told I have to call the resort directly.

When I called the resort (954)972-3300, I was directed to the sales department. I talked to some snippy lady with a thick accent and whofs name I couldn't understand. I told her that there was a mistake and they knowingly used incorrect information to get me a credit card, which by the way is illegal. When I said this the lady asked me what's your point? MY POINT was that I didn't have my documentation and I wanted to know where my cards were going. She said that it was in fact my fault because I wrote my old address on the application sheet and signed it. No apologies whatsoever. Let me explain something here, we moved into our new residence about 3 weeks ago.

So right now, our driver's licenses do not match our home address. When we applied for the credit card, they had us fill out 2 forms, one with the old address and one with the new. They said it's no big deal. They would try them both to see which one worked. They are fininciers. If this was a legit business, they would not have processed my information and said sorry the Patriot Act requires only current information be used.

So anyway, after a while she finally game me the number of the MBNA credit card company through whom they finance their cards. I called that company talked to Chris and got everything straightened out. Fairfield took a $1254.90 deposit and a $194.55 documentation fee immediately. But they must refund them. We're going to give them until 09/01/06 to deposit the refund back on the card. After that, we will have MBNA dispute the charges, put them into collections and get the money from them directly. It's that easy and now we'e done with this.

What a learning experience this has been. Even though this entire time I knew that I had the (10) day window to cancel per the mortgage contract and Florida state law, I'm still partially a moron for even giving them the benefit of the doubt that what were saying was remotely legit. I guess you just want to believe that everyone out there isn't just out to get you when in fact most likely THEY ARE. THAT IS WHY YOU NEVER PAY FOR ANYTHING WITH CASH, EVER!

*AGAIN, IF YOU ARE READING THIS BECAUSE YOU ARE ON THE FENCE ABOUT YOUR RECENT FAIRFIELD PURCHASE AND IT'S WITHIN THE COOLING OFF PERIOD REQUIRED BY LAW, DON'T WAIT TO SEE A LAWYER! CANCEL IT IN WRITING NOW! SEND IT AND THEN SEE A LAWYER IF YOU NEED TO. THEY CANNOT TAKE THAT COOLING OFF PERIOD AWAY FROM YOU.*