How JustAnswer Works:

  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.

Ask TexLaw Your Own Question

TexLaw, Attorney
Category: Legal
Satisfied Customers: 4430
Experience:  Lead trial/International commercial attorney licensed 11 yrs
Type Your Legal Question Here...
TexLaw is online now
A new question is answered every 9 seconds

I went on vacation and purchased a time share. After reading

Resolved Question:

I went on vacation and purchased a time share. After reading reviews when I returned I realize a lot of what I was advised during the purchase was not accurate and were reasons for why we signed up. The contract was cancelled but they kept my down payment of $7345. I disputed it with my bank since goods and services were not provided as sold as they were told they could be used. The bank denied assisting due to they fact they didnt feel the contract with misrepresented even though the timeshare made us believe that we couldnt cancel. I later found out it could have been cancelled with in 5 days with a full refund. They cancelled the contract but no refund was made. I sent another dispute to the bank stating goods and services were not received as sold as they were told they could be used. The bank responded stating that they still couldnt assist me aqs not enough proof. I sent another request advising I have been a member of their bank since 2006 and I have never had any disputes now I am looking for help and they dont seem to want to help? Is there something that can be done? Did they even make the attempt to assist with this or are they just denying my request with out contacting the merchant? Is there someone above the bank that I can file a complaint to in attempts to get a refund for services I never got.
Submitted: 2 years ago.
Category: Legal
Expert:  TexLaw replied 2 years ago.
Is there a reason that you haven't filed a complaint directly against the timeshare company?
Customer: replied 2 years ago.

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.

Expert:  TexLaw replied 2 years ago.
Was the timeshare in the United States?
Customer: replied 2 years ago.

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.

Expert:  TexLaw replied 2 years ago.

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.

Please let me know if you have any further questions. Please
also kindly consider rating my answer positively so that I am compensated for
my work by the website. Rating does not cause an additional charge and will not
prevent us from further discussing your questions.

Best Regards,


TexLaw, Attorney
Category: Legal
Satisfied Customers: 4430
Experience: Lead trial/International commercial attorney licensed 11 yrs
TexLaw and 2 other Legal Specialists are ready to help you
Customer: replied 2 years ago.

so there is nothing i can do? That is not an option as I would need to appear in court in mexico.

Expert:  TexLaw replied 2 years ago.

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:

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.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
< Previous | Next >
  • Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises! Gary B. Edmond, OK
  • My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer. Eric Redwood City, CA
  • I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight. Michael Wichita, KS
  • PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent. Three H. Houston, TX
  • Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!! Elaine Atlanta, GA
  • It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem. Tony Apopka, FL
  • Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it. Lee Michigan

Meet The Experts:

  • Tina


    Satisfied Customers:

    JD, BBA Over 25 years legal and business experience.
< Last | Next >
  • Tina's Avatar



    Satisfied Customers:

    JD, BBA Over 25 years legal and business experience.
  • Ely's Avatar


    Counselor at Law

    Satisfied Customers:

    Private practice with focus on family, criminal, PI, consumer protection, and business consultation.
  • JPEsq's Avatar



    Satisfied Customers:

    Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor
  • Law Educator, Esq.'s Avatar

    Law Educator, Esq.


    Satisfied Customers:

    JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law
  • FiveStarLaw's Avatar



    Satisfied Customers:

    25 years of experience helping people like you.
  • Guillermo J. Senmartin, Esq.'s Avatar

    Guillermo J. Senmartin, Esq.


    Satisfied Customers:

    7+ years of experience handling various legal matters.
  • Dimitry K., Esq.'s Avatar

    Dimitry K., Esq.


    Satisfied Customers:

    Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.