Resorts Management Services Wilmington- Delaware

stillintheb incorrectly states, quoted in pertinent part: ==================================== Re: >> When you dispute a charge on your card, you are saying to your bank that said charge was fraudulent. << ====================================

Not true at all. Disputing a credit card charge is merely asserting that a particular charge is either inaccurate and /or entirely unauthorized. There are many, many possibilities besides "fraudulent" (which, by definition, implies knowing, willful deceit in acquiring funds). An inadvertent, innocent double entry by a store clerk on a $15 purchase, for example, is hardly "fraud" by the vendor --- but it can (and should) still be disputed. Likewise for two innocently transposed numbers within a purchase charge. Minor, inadvertent mistakes in figures are hardly "fraudulent" charges by the vendor.

====================================== Re: >>There is also a flag added to your credit report. That flag states that you claimed a valid charge was fraudulent, in essence committing credit fraud yourself. << ======================================

Nonsense, plain and simple. A credit card report may or may not even reflect the card holder disputing a charge at all. Even if it does so, a card holder having legitimately disputed an entry on his / her account which they believed to be questionable or inaccurate certainly is NOT "in essence committing credit card fraud yourself". That's just pure baloney. Any and every consumer has the right (and should always exercise that right) to IMMEDIATELY question any and every charge they ever find on their account if and when they have substantive reason to believe (and can support the claim) that the charge is either numerically inaccurate or was entirely unauthorized.

You are correct about ONE point, however. A recording or a contract can indeed conclusively demonstrate that a charge was knowingly and voluntarily authorized in a specific dollar amount by a credit card holder. A consumer is always individually responsible for understanding the details of anything and everything for which they authorize a charge on their credit card account. Making a bad personal decision by CHOOSING to pay money (via credit card) to a useless, completely ineffective upfront fee "advertising and marketing" parasite doesn't make that person a "victim". Instead, the person has (unfortunately) voluntarily CHOSEN to make a bad (and expensive) personal decision, from which they are unlikely to ever see return of any of the money whose charge they overtly authorized in the first place. That's not a "victim", but an unwise VOLUNTEER.

back in 1/15/10, I volunteer to all a charge of $1,995 by TAI to commerce Bank visa card, st. louis. TAI staff had all of the information, however, their inexperience staff either did not realize or comprenend that in 1/1/07, that none of the sales staff that sold the timeshare in 5/3/06 were still working for the same company All of the management duties and ownership is now in Hilton Head, S.C. TAI is unable to cancel this timeshare contract due to change in ownership. Since TaI is unable to accomplish this cancellaiton, I have disputed the Commerce Bank visa st louis, charge since May of 2010, and or course informed the credit bureaus of this fact.

roberts1192 wrote:

back in 1/15/10, I volunteer to all a charge of $1,995 by TAI to commerce Bank visa card, st. louis. TAI staff had all of the information, however, their inexperience staff either did not realize or comprenend that in 1/1/07, that none of the sales staff that sold the timeshare in 5/3/06 were still working for the same company All of the management duties and ownership is now in Hilton Head, S.C. TAI is unable to cancel this timeshare contract due to change in ownership. Since TaI is unable to accomplish this cancellaiton, I have disputed the Commerce Bank visa st louis, charge since May of 2010, and or course informed the credit bureaus of this fact.

A developer timeshare purchase contract can only be cancelled (rescinded) by the buyer within a specific time period identified in individual state law. This time period ranges from as few as 3 days (e.g., Massachusetts) to as many as 15 days (e.g., Alaska), but most states are generally 5 -7 days. You make reference to a purchase made back in 2006 --- nearly five years ago now. That contract has been a "done deal" for nearly five years and TAI was NEVER going to be able to get it rescinded or unilaterally "revoked". Period, amen.

Maybe I misunderstand, but it seems to me that, in brief summary, you chose to voluntarily make a $1,995 credit card payment to an upfront fee entity called Timeshare Advocacy International, apparently in early January, 2010 (nearly a year ago now). The simple truth is that there is NO way (and there NEVER was) that these TAI scammers could somehow magically "cancel" or "revoke" a valid timeshare purchase contract executed in 2006, regardless of what you may have been falsely led to believe to the contrary.

Management company or employee or address changes are completely irrelevant. These are just lame excuses which the scammers are evidently now offering to you to cloud the issue, further confuse you, and basically avoid just admitting to you that, in truth, they NEVER had ANY ability (or any magic wand) to "cancel" or "revoke" your contract, despite having (apparently successfully) led you to believe something very different.

I'm sorry my friend, but it appears to me that you've been HAD...

the rest of the story,purchaed made 5/3/06. mgt. changes made 1/1/07, TAI staff did not realize this change in mgt. and When the notice of revocation letters were mailed to southwind mgt, the reply was" Soutwind mgt. had nothing to do with this sale in 5/3/06, and if TAI were to continue the cancellation requests, Southwind Corp only option would be to take legal action not against TAI< but against the owner of the timeshare in quesiton. Right now, I am not out the $1,995 nor plan to be. Every top mgt. officer at Commerce Bank, will be aware of this "scam" shortly.l

roberts1192 wrote:

When the notice of revocation letters were mailed to southwind mgt...

I wish you luck, but with all due respect, much like Cervantes' Don Quixote, you are clearly just "tilting at windmills". Tilt on, if that futile effort somehow works for you, but don't expect much in the way of actual results, regardless of who you complain to now, years after the fact...

Ken, Do you always attack Straw men? Rather than refute the truth because of unclear wording, build upon it and clarify. Since you simply would rather cloud the waters more, I shall restate my previous post. I was not saying not to dispute fraudulent or erroneous charges. As I stated, make sure you have supporting documents. If it is an error such as transposed numbers, or a double charge, or a completely unauthorized charge then of course you should dispute it. Those are valid disputes. I was referring to Roberts comment about planning to dispute a charge he admitted to authorizing. These are the disputes that are similar to fraud. When you know you gave permission for someone to charge you, and you attempt to later say they did not have the right to charge you by disputing it, you are misrepresenting the facts of the transaction to your financial institution. When someone constantly writes bad checks people stop accepting checks from them. When someone constantly misses payments on accounts, people stop extending them credit. The same is true if someone repeatedly claims authorized charges are invalid. So, again, I restate that before disputing a charge make sure that you are not crying wolf. And, again, by all means, if a charge is a mistake, or it is for the wrong amount, or you do not know who it came from, then contact your card and open an INQUIRY and your institute will investigate it and recommend appropriate action. And DO NOT SPEND returned funds from a dispute until you know it is closed. As I stated before, that money can be removed without them telling you and returned to the business in question. Check with your bank or credit card company to find out how long a company has to fight a dispute.

And as for you , Mr Roberts, I must restate Ken's statements. Or rather, suggest you actually read them again and this time pay attention to them. But, for the sake of repetition being the key to learning... 1. You authorized the charge. 2. You signed the contract without paying attention to the wording, which more than likely was vague and never actually guaranteed a favorable outcome, just that they would contact these companies for you in an attempt to get them to return your money. 3. When a company takes over another company they assume all liabilities and debts, or obligations, of the previous company. 4. TAI is more than likely a branch of the original company you were working with in the first place, which is probably still the same company they referred to in their letter. They hit you once with their scam, then probably attempted as a resale company, then later down the road, when there was no legal recourse based on time elapsed from charge, they contacted you as an advocacy group and hit you for even more money in the hopes of getting that money back. 5. Raising hell with your bank about following legal protocol in the settlement of a dispute of a charge will do nothing. You disputed charge. Bank gave you back money. Company was able to substantiate validity of charge and fulfillment of contractual obligations. Bank returned money. Somewhere in there, like most people, you probably spent money assuming case was closed.

Tilt on, Mr. Roberts. Tilt on.

stillintheb wrote:

Ken, Do you always attack Straw men?

My ONLY goal and intent here is merely to present clear, objective, specific and factually correct input into these forum discussions.

Where I see a lack of clarity or a factually incorrect statement, l sometimes choose to weigh in if I think my advice or input (always and only based solely upon personal knowledge and experience), might possibly be helpful or useful to the discussion at hand.

My disagreement in any discussion (including with "straw men") is certainly not any form of ad hominem "attack". It is instead simply an honest (and entirely voluntary, uncompensated) effort to challenge or correct input or information in these forums which I perceive to be either confusing, ambiguous or, far more often than not, just plainly inaccurate. If my input offends you, you clearly need only choose to ignore that input (...or maybe grow a thicker skin).

I was referring to the practice in debating of finding and refuting a weaker point as opposed to the statement as a whole. Where as my statements focused specifically on attempting to dispute an authorized charge, it would appear from your response that you were presenting the counterpoint as if I had made the statement regarding disputes as a whole. Later in your own reply you also restated a point I had made of not disputing a charge without supporting evidence. I did not mean to say that your reply was a personal attack upon me, nor did I take it as such. Simply put, people do not truly understand how disputes work and often find themselves in a deeper hole than when they started. My statements were meant to illuminate the possible outcomes of disputing authorized charges, not to try and push people away from what is often the last resort available to them. But now it is off to work where I deal with conversations such as this all day long.

I got a call from these people..and told them i read horrible things about them on the internet...now they gave a big spill about they are suing these people talking about them...and they graunteed that the had a buyer for me...and was giving me back almost what i paid for it..but they wanted 1850/00 first to get the transaction going..so stupid me i gave credit card..now i esigned all those papers..please tell me there is someone out there that had good luck with them..and their timeshare did get sold...

Seriously, Call your card tomorrow. let them know you are contacting the company to cancel services. Explain that if they do not allow you to cancel within a cancellation period, you wish to dispute the charge. I recommend you do this based simply upon the fact that more than likely they will try and make it difficult for you to cancel. Obtain from your card company an email address for the person who would handle disputes. When you call to cancel with RMS obtain an email address to send a written cancellation request to. CC the email with your cancellation request to the address from your credit card company. This way, if they refuse to honor your cancellation request your credit card company has proof of a dated request for their records. Then, if they do not refund you, dispute the charge on the grounds of not honoring a cancellation request within 24-48 hours of being TRICKED into a contract on fraudulent statements. THESE PEOPLE ARE MOST DEFINITELY SCAMMERS. HAVING GOTTEN YOUR MONEY FROM YOU I HIGHLY DOUBT YOU WILL BE ABLE TO GET AHOLD OF THEM TO CANCEL. MORE THAN LIKELY, IF YOU CHECK THAT ESIGN DOCUMENT THEY SENT YOU, IF YOU CAN STILL ACCESS IT, YOU WILL FIND THERE IS A CLEARLY STATED CANCELLATION PERIOD. YOU WILL ALSO FIND THAT YOU WILL PROBABLY NOT GET AHOLD OF THEM UNTIL AFTER THAT DATE HAS PASSED.

I have been called about 9 times yeseterday...its to the point the credit my credit card 1800.00///and said they have a buyer for my timeshare....is this on the up and up...has any delt with resorts management services in delaware

teters wrote:

is this on the up and up...

Yes it is on the up-and-up. Please read other posts in these forums. The majority of posts talk specifically about these upfront fee scammers and how they operate.

The sales pitch they used on you is the same with all these upfront fee scammers ie. "We have a buyer for your property." "Your property is in high demand." "We will be dealing with a local convention", etc.

has any delt with resorts management services in delaware

Again, please read posts in this specific thread about this company!

i KNOW, but will have to see the outcome of my activity this week. If not successful, I may have to revert to Chapter one in ron Burley, "Unscrewed" my last dispute only required 13 months for return of funds.

teters wrote:

I have been called about 9 times yeseterday...its to the point the credit my credit card 1800.00///and said they have a buyer for my timeshare....is this on the up and up...has any delt with resorts management services in delaware

In a word NO, all (large fee) upfront fee timeshare resale companies are scams, period. They have NO buyer or the socalled buyer will have backed out for whatever reason once the upfront fee company gets your fee .... you don't get it back and you'll never hear from them again.

Put those company telpehone numbers on the Do No Call Registry (donotcall.com) .... if they continue to harrass you then they are fined each and every time they call you.

The only timeshare weeks that are moving in this economy are those that are being given away or sold at a very low cost.

Teters, You are quickly losing time. Allow me to state a few things..... I am not one of those people that will just blast resale companies. I am usually the one that plays moderator in discussions. My posts are generally counter points to both sides in order to provide enlightenment on all possibilities. The fact that I am posting so dead set to one side says alot. It means I have done the research. It means I have seen the holes in a company's stories. I am the first to admit when there are other possible explanations for things. But in this case: THEY ARE A FRAUDULENT COMPANY CANCEL IN WRITING AND RETAIN COPY OF EMAIL/LETTER IF NO RESPONSE TO CANCELLATION REQUEST THEN DISPUTE CHARGE AND BE SURE TO PROVIDE YOUR LETTER OF CANCELLATION AS PART OF YOUR REASON FOR DISPUTING. THIS WILL VERIFY THAT YOU DID SO WITHIN THE CONTRACTUAL/FEDERAL WINDOW FOR CANCELLATION. OTHERWISE, THE COMPANY WILL ONLY HAVE TO PROVIDE THAT CONTRACT AND THEY WILL GET YOUR MONEY BACK. You have my advice, which is what you came to this site for. Others have repeated it. Now either act upon it, or continue marveling at the Emperors new clothes.

And as for you, Mr. Roberts. Your fanatical stance on your situation is disturbing. I am only glad that no one has called into question your religious beliefs for I fear our troops need a rest. You are the type of person who plants a peach tree then expects apples. You made a tremendous mistake, you realized the idiocy of your actions to late, and now are trying desperately to place the blame on someone else. Please understand this: rather than continue posting on here about how you are certain that your fruitless actions will one day prevail, take this magic bean and plant it. When it sprouts it will grow into a giant beanstalk that you can climb and will find a wondrous treasure in the clouds. While you are there, kindly tell Santa Claus that I would like a new saddle for my unicorn.

The contract that Resorts Management Services sends out does have 7-day opt out clause. If you cancel, in writing, within 7 days, I would think you would have a case for getting your money back, even though you signed the contract...

Hence the reason for keeping copy of email sent to them. Letters sent via regular mail can be denied saying they did not reach them in time, and seeing as they use fake addresses, will probably never reach them. Also retain dated copies of letters sent in via fax. Submitting within that 7 day period they must return your money, for it is in their convoluted marketing agreement contract. These companies like to use the wording to their favor, so there is no denying a claim that is in their own contract.

Agree - can't be too careful! I may have gone overboard, but had my letter notarized, made a copy, and then sent it by overnight mail with tracking number and return receipt requested.

Still waiting on the charge to show up on my Discover account so I can dispute it.