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Re: Club Navigo is a rip off (by Steve M.):

daves220 wrote:

After reading a number of posts, here are some general questions:

What the company did to you is illegal. You have a contract with them, but they are not fulfilling their end of the contract. Why is that ok for them but not you? You are frustrated because you are unwilling to do anything illegal yourself. And law-enforcement won't or can't help you reach satisfaction with them. That's why criminal activity works for them. You are not willing to do anything criminal in return. For example, if the company learned you had Mafia connections, with hired enforcers in their town, would they begin to help you? Or if they learned you had unlimited access to expensive corporate lawyers who could tie them and all their assets up in court for years would they work with you?

Are you making automatic payments for the purchase price from a credit card account? What happens if you close the account? They can't collect then, can they? They can threaten to damage your credit rating for 7 years. What else can they do? You have signed a contract with them, but they also signed one with you. If they default on their side, how does that obligate you to keep your side of the contract?

Timeshares are available on the secondary market for only a few thousand dollars at most. Some are free, you just agree to take over the maintenance fees. Buying at retail is virtually never necessary, even if the development is just months old. That's what you have Red Week for!

Pass the word that original owners of a timeshare agreement, even if the sales force was honest, almost never get value proportionate with what they pay, unless the location is already unavailable at any price, which is never the case. Timeshares are only built where folks would like to vacation. So accommodations are available for the same or less than your total investment, and you aren't locked in contractually. "But we can sleep extra people and cook our own meals!" Add it all up, including that year's part of the buying price. You can virtually always do the same thing for equal or less money, unless you bought on the secondary market. Even then....

Dave - I have to ask you - is there a point to your comments here? Many are valid, especially the part about buying your time share on a secondary market. (Be careful that all the benefits that you heard about from the Developer are still going to be yours if you buy on the secondary market. Some resorts will not honor certain benefits for the new owner.)

However - advising others to simply stop paying on a live mortgage is bad advice at it best. If you chose to seek legal action against the company to enforce your contract, you would have torpedoed your own case if you default on the mortgage. And they likely will be able to reposes your unit long before you get into a court room. Now where are you?

And do you really want to risk 7 years of higher insurance premiums, lost jobs and higher credit costs, just because you want to prove a point with the time share company? Sort of cutting off your nose to spite your face isn't it?