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I requested them to refund but they arent responding and there is no address on any of the paperwork. The only way I have been able to contact them is via email. Which after the contract was cancelled they have not responded.
No it was in Mexico in Cabo. They had us sign something during the presentation stating it was non refundable and when we asked to cancel while we were still there we were referred back to reviewing the paper work which in 12 print font that it wasnt refundable. A week after I got back I and was talking to family i starting reading reviews on people who were told the sames thing we were told but they found out it wasnt as easy to use the timeshare the way it was explained and so I confronted the rep who never answered the questions regarding my concerns. I found out in the fine print that we could have cancelled with in 5 days. The sales rep ended up geting the contract cancelled but with out a refund of $7345. At that point I requested a refund from the rep that helped to cancel the contract and I filed a dispute with the bank. Is the bank required to send the dispute to the timeshare each time I send a request? I dont feel that the bank has made any attempts as their response to my requested disputes are denied within the 1hour-1 day of the dispute being faxed. My last filed dispute has not received any response so I was hoping that the bank was trying but after a week of no reponse I resent the same dispute request.
Well, I hate to throw a damper on you, but the bank is not legally responsible to do anything at all if there is not absolute proof presented by you that it is an unauthorized transaction or billing error. If the merchant produces a signed contract authorizing the transaction, then the bank does not generally do any more for you. They don't act as a court to determine whether there is fraud underlying the transaction, that's simply not their responsibility under the federal regulations.
So, in this case, the only way you are going to be able to get the money back is by filing suit against the representative or against the actual time share company in Cabo.
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so there is nothing i can do? That is not an option as I would need to appear in court in mexico.
You could attempt to sue the company in the United States in Federal Court. But I'm afraid you would face a challenge to the lack of jurisdiction over the case since the transaction took place in Mexico.
These timeshare issues are a real mess. There are some firms which handle this kind of issue directly for you. One I found is: http://www.riveraygomez.com/
I'm not endorsing this firm or recommending them to you, but simply sharing the information with you for your own use. Using an attorney like this might enable you to recover some of the money without having to actually go to Mexico.