cancel a contract in New Jersey

[jjzeen]

I yesterday signed a contract for a vacation club. The decision had to be made at the time I was there. They kept giving me a better price, I finally signed. Today I had a change of mind.I called them and tried to cancel,get a refund or a settlement. But I could not. I payed for it on my credit card.
I also could not get a name or number of any parent company or head office. All I kept getting was the numbers for member services and the office I had visited in Hasbrouck Heights New Jersey. I think I was suckered.
Is there any government agencies or groups that can help me and is there any thing I can do. Don't you have a couple of days to cancel a large ticket item.

 

[I AM ALWAYS LIABLE]

<BLOCKQUOTE><font size="1" face="Verdana, Arial">quote:</font><HR>Originally posted by jjzeen:
I yesterday signed a contract for a vacation club. The decision had to be made at the time I was there. They kept giving me a better price, I finally signed. Today I had a change of mind.I called them and tried to cancel,get a refund or a settlement. But I could not. I payed for it on my credit card.
I also could not get a name or number of any parent company or head office. All I kept getting was the numbers for member services and the office I had visited in Hasbrouck Heights New Jersey. I think I was suckered.
Is there any government agencies or groups that can help me and is there any thing I can do. Don't you have a couple of days to cancel a large ticket item.<HR></BLOCKQUOTE>

My response:

If you are an adult who signed a valid contract, then, in the absence of fraud, you are obligated. Your credit card company will not assist you in this matter unless there is a valid reason for cancellation; i.e., "buyer's remorse" is not an excuse.

And no, this was not a "home solicitation" contract; that is, it was not signed in your home and therefore, you are not entitled to the usual 3-day "cooling off" period.

Enjoy your vacations.

IAAL


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[JETX]

No, you do not get a 'gimmee' on a contract for a 'large ticket item'. That is only when the merchant comes to you for the sale, you can revoke the contract within 3 days.

But, don't give up yet!!

Send a certified letter to both the company and your credit card issuer. Explain why you feel that you were taken advantage of and ask that they 'reconsider' your contract. (NOTE: from your description, they have no legal obligation to do so. It would purely be at their option). Also, send a copy of your letter to their local BBB and to the Attorney General Consumer Affairs office. (Be sure to note all the addressees at the bottom of your letter. It has more impact.)

You might also try to dispute the credit card charge with your issuer. Again, probably no legal obligation to intercede, but it can't hurt.

Hell, you might even park your car outside the vaction resort or office (Public property ONLY), and put some signs on your car warning of the high pressure tactics used by the merchant).

Then, sit back and cross your fingers. The worst that can happen is you are right were you are now!!! But with an expensive education.

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Steve Halket
Judgment Recovery of Houston
[email protected]