Wyndham Vacation Resorts Deceptive Sales Tactics Destin Florida

Several months ago, my husband and I bought a modest amount of points when we initally joined Club Wyndham.  We do not travel much and thought what we bought would be enough for us.  Then, 3 months later, we were sold a marketing package for a modest amount of money for 4 days & 3 nights to a great destination, but we needed to bring another couple with us.  We booked our trip 2 months later.

We got to Florida and that was ok until we got to our assigned meeting for an update on our ownership.  We sat through the meeting and then our representative told us we were supposed to bring our original contract with us because they wanted to "re-finance your account to get you a better interest rate and lower your term."

Because we didn't have our paperwork on us, we did not know what our original term and interest rate were.  We relied on our representative to inform us.  We were told that we had a 15 year note at 17.99%.  Then, we were offered several options, all with more points, and varying payments for a term of 10 years at 14.99%.  We believed that we were re-financing our original loan and adding the extra points for this new term and rate.

At several points during the 6 hours we spent in the meeting with our representative, we told them that we wanted to just keep what we had and didn't want anything more, but they were insistant that what they were offering us was a better deal and that we would be foolish to pass it up.

Come to find out, nothing was refinanced.  Asking for our original contract was irrelevant.  All they wanted to do was sell us more points at the new term and interest rate which created a new contract in addition to the one we already had.  If we had known that our original contract was already 10 years and actually at a lower interest rate, we would not have bothered moving forward.  Our original contract was misrepresented and the language used by our representative that we were going to refinance it was misleading.

All of the misrepresentation was done prior to the video recording of our signing of the documents, which is what Wyndham goes by to validate agreements.  I tried to speak with our representative about the misleading information.  She had me speak with her manager which was useless because all he sees is the documents.  When he was done with me, he handed me back to my representative who proceeded to hang up on me.

Do we have any recourse in this series of events?