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MESCAM

Q&A column

MESCAM Advice

Real emails, real replies. Posted so the next person finds their question already answered — in the site's own blunt, fellow-victim voice.

Advice #1 — "Is it this easy?"

Victim

From: Alicia — "Unlimited vacation club"

Friday, May 6, 2016

I signed up with this company today (May 6, 2016) after reading reviews my confidence in them has diminished. I want to cancel. Please point me in the right direction.

Alicia

MESCAM

MESCAM reply

Read my website. There are sample cancellation letters and numerous articles about what to do. Draft a cancellation letter and email it to the resort immediately. Under Resources there is a generic cancellation letter which you can base your letter off of. Most people get into trouble because they wimp out when writing their cancellation letter. If you want results, you need to stick to the full format, especially the part about being willing to sue your credit card company. Most of these resorts will back down if they believe you are going to take this matter into a US court. You can read the article about stopping Ryan to get a feel for what the worst case situation would be.

Good luck.

MESCAM

P.S. Your confidence has not diminished, you found out the bastards lied to you. Quit trying to be so nice about it. They are trying to cheat you, and if you try to be nice, they will succeed and you will get screwed.

Victim

From: Alicia — follow-up

Saturday, May 7, 2016

Thanks for the speedy reply. I did what was told on the website. Sent the letters everywhere. I met with the company today and they tried to persuade me to stay but I refused. I gave them a written statement stating I wanted to cancel which they accepted. I got an email from the mediator replying that my contract was cancelled and money will be refunded in 10–15 business days. Is it this easy?

Alicia

MESCAM

MESCAM reply

No, it is not that easy usually. Make sure you lock your doors at night because they may send someone after you!

I am just kidding. I am not sure who the "mediator" is, but if he is an employee of the resort there should be no problem. I have never heard of the person being referred to as a mediator. Normally you get assigned to some scumbag sales manager.

Most resorts fight tooth and nail to refuse to give you a refund, but when you take the fight away from their home turf, and start saying that you will sue your credit card company in a US court for processing a fraudulent charge, that gives the resort a real problem. The resorts do not want the credit card companies pissed at them because it is only through your credit card that these resorts are able to screw American tourists. If they had to rely on you making monthly payments or carrying that much cash, they would never make a sale.

It wasn't until I devised this approach — cancelling the contract and then going after people's credit card companies for processing a fraudulent charge in a US court — that people started seeing an easier time getting their refunds. The resorts will not show up to a hearing in a US court. They absolutely do not want a US judge questioning them about their sales practices. Once you legally cancel, if the resort continues to claim you owe them money, by definition they are committing fraud.

If they sent you written notice that your contract was cancelled, once you get home forward that email, along with a copy of your cancellation letter, to your credit card company so they know what's going on. State that the contract was legally cancelled in full compliance with Mexican law, and that if any charges appear and aren't corrected within 15 business days, they are fraudulent — and if the card company refuses to remove them, you will sue.

I do think you are going to be alright regarding your refund. I'm not so sure you're all right for signing the contract in the first place — I know I was pretty drunk by the time I signed 13 years ago; what's your excuse? Congratulations for following my instructions and seeing this thing through.

MESCAM

Your situation isn't here yet?

The cancellation letters and the strategy cover almost every case. Start there.

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