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Matthew, you stated that everything was handled over the phone. If there was no written contract in place signed by both you and a rep from buyatimeshare.com then this is a valid legal reason for buyatimeshare.com to refund your upfront fee and your credit card company should be informed of this fact. Also you need to contact the Better Business Bureau in the state where buyatimeshare.com is located and file a complaint .... you can do this online. By accessing buyatimeshare.com's website it looks like they have locations in both Tampa, Florida and Merrimack, New Hampshire. You can assess West Florida's BBB here (copy and paste url): http://westflorida.bbb.org/Business-Complaints/ New Hampshire's BBB here: http://doj.nh.gov/consumer/complaints/