If the bank to which you refer is the card issuer, tell them VG committed fraud, and you won't stand for it. Cancel your card, or tell your bank you will, review your contract and highlight any parts - there are many - that represent fraudulent misrepresentation. Even if you reference only some of those you can recognize, that may do it. You only have to prove fraud in ANY part of the contract, not all parts of the contract. Point to statements where they state they will sell your current time shares, rent your time share you buy, and so on; in other words, what you have read in this forum, and any thing they told you or promised verbally. Fraud does not have to be only in writing. And give your bank a link to this forum, or better yet print off the most significant posts and provide those.
Any charges to a credit card that are the result of a fraudulent action by the vendor (VG) are invalid. Not Legal. Visa Rules can be found online. Just Google "Visa core rules" - and you will find a PDF with over 1000 pages, but with an index. Select those that you feel relate, copy them, and present to your bank. Tell them a copy has gone to your lawyer - even if you don't have an attorney.
Joan C.