Westgate Timeshare – Experience of a Former Owner
The following post was submitted by a couple detailing their experience as Westgate timeshare owners, and why they decided to stop paying their Westgate timeshare.
In 2005, we purchased a Timeshare from Westgate Resort in good faith. We were a young married couple with two toddlers. We were told that we would never regret the purchase and that we had a “lifetime of amazing vacations” ahead of us. The only thing that has remained constant and true is the fact that WE HAVE REGRETTED EVERY MINUTE OF OUR PURCHASE.
Between 2007 and 2010, we paid two different companies over $2,000 who each claimed that they guarantee to sell our timeshare. Neither ever did. In 2010, we contacted Westgate and notified them that we would NO LONGER be cheated out of our hard earned money and would NOT continue to pay them. They did not care that we had paid thousands of dollars to them already (100% on time) or that we had spent over $2000 to companies to sell our timeshare. The only thing they cared about was getting their money. They even acknowledged that purchasing a timeshare may not have been the most “honest” purchase but that we were never “forced” to do so.
On December 1, 2011, we will STOP PAYING our timeshare and to NO LONGER allow Westgate to cheat us out of our hard earned money every month. We have impeccable credit of which we have lived an honest and hard working life to establish. Now, it will be ruined for 7 years, at least, due to this foreclosure.
This decision was not easy for us to make, but also one that was based on principle. It is NOT RIGHT for companies such as Westgate to be allowed to misguide trusting people into making such a bad investment. It is even more wrong for consumers like us who have led decent and hard working lives to provide our children with the American dream, to have to suffer ruining their credit due to such a cheating and unethical process such as purchasing a timeshare.
We only owed approximately $6,500 at the time we decided to stop paying. However, we vowed NEVER TO ALLOW WESTGATE TO CHEAT US OUT OF ANOTHER ONE OF OUR HARD EARNED CENTS AGAIN. Our children deserved better than that.
Sincerely,
A Westgate Resort FORMER owner
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And now the collection agency is phoning us. Really? Did this happen to anyone else? If so, were you able to get a deed in lieu of?
I have filed complaints with several Central Florida agencies because I did not discover the Florida 10 day cooling off period until I arrived home and was outside the 10 day rescission period to cancel. The BBB contacted Westgate who say we WERE notified of this as it is written on the Purchase and Sale Contract which we signed. We asked the sales agents and notary public, what is the worst case scenario if we sign these documents and then change our minds. Not once was the right to cancel mentioned. Their answer was, we have not had that question before while they continued with their sales pitch about the advantages of being an owner in a 5 star vacation condo.
The body which regulates what Florida Timeshares can and cannot do, says there has been no violation of Florida law as the law does not state that a buyer must be advised orally, it only stipulates that the 10 day cancellation clause must be written in “conspicuous” type (which my dictionary defines as attracting attention through being unusual or remarkable). Written in upper case on page 15 of the legal documents hardly fits the description of “conspicuous”.
The Westgate Corporate Office called me April 15 and said, we signed the contract and this rescission clause is written just above our signatures, so because we signed the contract is admission we were made aware of the recission clause. Westgate said we were bound by the contract, we cannot cancel, and they will not make our contract null and void as I requested. They said it was no different than if we had signed a contract for furniture or other. Can you imagine? Comparing buying a condo to buying furniture, a car or similar.
Florida law protects timeshare shysters but Florida laws need to change to protect one of their most valuable resources, tourists such as ourselves who bring much revenue to the Tourism industry in Florida. There are rules, but there are also exceptions to the rules has been my experience throughout life.
This whole Westgate experience has left a very bitter taste in my mouth….yes, I should have walked out the minute I got there OR stayed there all night to read the 30 page legal documents.
In the page of the legal documents with the Do you understand where the NP check yes or no for you, as she asks the questions, , a separate numbered statement should read: Do you understand that you cannot cancel 10 calendar days from the date of signing this contract. Yes. No
Florida Law needs to be changed. Hoodwinked
If you REALLY want to get rid of them contact “a lady justice” (Pelligrino Law), give them $2k and let them do the work. I got out of my million point Wyndham deed and now use all the thousands I SAVED to book on REDWEEK.
As for as the “credit hit” simply contact the attorneys again and/or go to:
http://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports
Most creditors, when they encounter a credit blemish from a timeshare, will usually ignore it. I’ve had two of them do this for me.
Oh, yeah. You will get phone calls and mail from many other companies but you will have to ignore them … for about a year.
You can always just change your phone number to make it easier.
Thank you for your advice…I just got off the phone with Brittany from Pelligrino Law and she is going to take care of everything for $2K and she said that I might be entitled to a refund as well…I will post later to let you know how it goes…it will take from 4 to 12 months she told me. I had a free consultation and she gave me lots of advice. Let me know if anyone wants her phone number…or you can look it up online like I did…her office is based in Largo, Florida. Thanks once again for all your advice, I feel that a whol weight has been lifted off me.
stopped paying in Oct of last year….sent them a cease and desist letter and i haven’t received any calls since….not sure what will happen…Ive filed complaints with many places….hopefully will see an end sometime….i will not send another penny to them…. wish i would of stopped sooner…
any chance of seeing the cease and desist letter you sent them? [email redacted] I have stopped paying for about 2 months but inundated with phone calls…most I ignore, but it is hard. They have sent me a hardship form to fill out as i am earning much less than before. They say you cannot get a deed in lieu of foreclosure and have been threatening sending it to collection….I am very interested in what you sent them to keep them so quiet.
Did you go through asking for deed in lieu of foreclosure first, wrote a letter informing them of your inability to pay etc before you stopped paying? I am in a very bad spot financially and has just stopped the automatic payment on my CC.I was advised by them to write them a letter telling them why I cannot pay up and they need to see evidence of the reasons along with three months worth of my bank statement. Do I really need to supply that? A cease and desist letter sounds good. Do I need a lawyer for that?
Usually, YES you will need a lawyer like Pelligino Law because many of the timeshare companies will continue to LIE. To get it legally straight you will find the legal fee well spent. They do everything.
But, most of all, STOP PAYING. They can’t do a thing but threaten you.
Westgate sent me the hardship form and I collected all my bills and payslip from work and faxed everything as per their request. Saturday I received a letter from INternational Collection Agency saying that if I don’t notify them within 30 days, that they will obtain a copy of a judgement against me. They told me not to contact Westgate, but, I am still dealing with Westgate…any suggestions as what I should do and can they really obtain a copy of a judgement against me and what does that mean? Who are Pelligino Law? Really appreciate everyone’s comments as it makes me feel that I am not alone in this matter.
Hi Jen.
I live in the Uk and own a Westgate timeshare (unfortunately)and for the first time I am not paying the maintenance. My brother and I own the timeshare together and the mortgage was paid off about 10 years ago and that was probably the last time we used it. Just can’t afford to get out to the States, as much as we love Florida. Been reading all the comments and makes you feel so much more confident about not paying these thieving b……ds. Like you wished we had just refused to pay when we received the ‘debt collection agency’ the last few years for not paying the maintenance! Instead they made you feel they would just keep coming after you and loading it with more interest! I had so many arguments with Westgate, telling them we don’t want it and to take it back, but they seem to ignore the comments! I hope to god a law comes in that they have to take them back without all this hassle. Good luck all. Amanda
We stopped paying Westgate as well. But today we received a letter from International Collection Agency LLC out of Florida. We live in Canada. I would like to know what this letter “really” means. Can they come after us here?
I wont worry about that, I live in the state and stopped paying. if they want it back or you don’t want it back just sign the docs they will send to you in the mail. do no pay anything to sign any document if you want to give it up. they are all thieves.
Thank you Susan. I would be happy to sign the documents…..just have to get them to send them. They are just awful.
Susan, What documents did they send in the mail to you? So far I quit paying for 2 months and they sent me a hardship form to fill out….they said that there is no Deed in lieu of foreclosure. I also live in Florida and very worried that they might be able to put a lien on my house…
hi shirley,
i’m from canada also and we have the same story.
westgate time share scam..not worth investment.
what we did is we stop paying after 2 months and cancel all the credit card so they won’t collect money…..
the hard one is collection agency will not stop bothering,torture, scares , sue you , they will send a letter from lawyer and etc. i almost
have an heart attack..and from my reserch i found out that they are just bluffing..what i did is after a long fight with this collection agency and learn how to make fun of them and tell them do your best shot sir and i’m ready to go to see in the court of justice in canada, hello!!! they stop calling me…
this will going to have a cross border issue, they will spend money to come here and attend the court trial…they didnt show up , instead westgate send me a letter of forclosure and find a lawyer to sign it, pay the 400$ administration fees(?) and that’s how it’s end up my missery.
i don’t how this people eats with that scam earning..
Thank you Rudy for taking the time to reply. My husband and myself both read this msg and it has helped us. Like you, we are very frustrated and angry with Westgate. I wish I could tell everyone to stay the hell away from them. We will send them one and only one letter to notify them they will not get another penny from us so they call and send letter all they want. I am glad your misery with them is over.
Thanks again
Shirley
Our wonderful Florida vacation this year ended on a tragic note. We bought a timeshare at Westgate also and biggest mistake ever made. We love Florida and have vacationed there in the past, but went to a timeshare presentation at Westgate not intending to buy but unfortunately did. Westgate did not tell us about the 10 day cooling off period in which to cancel although I asked the question more than once. After getting home to Canada and reading legal documents, there it is in writing and I nearly had a heart attack as it was past the 10 days. Westgate was to contact us within 2 days of arriving home in the event I had any questions. I researched Florida law re cooling off period which says a timeshare seller must make the buyer aware of this option at the time of the signing of the initial contract which did not happen. Surprise, surprise, now, no response from them to answer my phone calls, emails, fax, etc., etc. it is now past the rescission period, but I am a Canadian who will not be taken advantage of. These shysters should be put in crowbar hotel. I see we aren’t the only ones they have scammed. I have filed complaints with the Governor, BBB. And District Attorney’s office. The timeshare presentation was at 11:30 am and we were still there at 5 pm …..and the papers were tucked away in a velcroed pouch that it took two hands to open. Disgusted tourist
It just keeps happening to more and more people all the time and nothing is done about these crooks. Makes my blood boil. I can not stand it. Stand your ground. Do not pay them any money. That is what we are doing anyway. Scam artists. I hope we succeed as I hope you and everyone else does as well.
that sounds all too familier….we too have filed with those places…and more
hopefully you have stopped paying them any more money!!
When my husband and I bought our timeshare on our honeymoon at the beginning of February 2013 we were assured that if we ran into financial problems that they would take it back. I paid the first month’s mortgate but now it’s either buy a car to get to work or pay this mortgate. I really didn’t even have the $200 at signing but they talked me into it. I’m in the process of talking to them about it but I’m only in the beginning stages. I fully intend to take actions against Westgate if they do not give me a Deed Back, Mutual Release Agreement, or Deed in Leiu of Foreclosure. I have found that there are others who were told at time of signing that if they ran into financial issues that Westgate would take it back and they did not. I think if enough of us stood up and said that we were told the same thing, EVEN IF THEY DON’T CURRENTLY HAVE FINANCIAL ISSUES, we would really have a case. Just in the 2 hours I was there for my sales pitch there were about 15 sales that were announced. I can only imagine they were were all told the same thing.
I have gotten MANY emails about how to get rid of the timeshare- Deed in Lieu of Foreclosure. Be ready to put up with many phone calls and see my older comments concerning sending cert letters. DON”T FEEL BAD. As a matter of fact there is a tv show debuting concerning the owner and his “largest home in America” being built!!!! They call is Versailles- look it up!!! These people are opportunists and will rip you off. stop paying immediately and tough it out…. It did not show on my credit, stop paying for this man’s palace!!!!
yes stop paying
I have a timeshare also and I am tired of them as well…my main concern was that it would go on my credit report. It would be a damn shame if they did report it to a credit bureau considering they gave you a loan under the table to begin with. With the money I am paying monthly I can do something better with it then pay Westgate. This was one of the worst decisions I ever made.
i too live in the uk and have not paid my maintenance fees this year.i own at westgate orlando and have paid up my morgage years ago.can anyone tell me what they can do to me here in the uk. i dont care if they forclose or about bad credit ratings,i just want to know what else they can do.
thanks jim
Hi Jim,
As your in the UK they really can’t do anything. It won’t affect your credit rating as you don’t live in the US and their credit ratings system will not find you so it won’t affect you and they won’t be able to action it against your UK rating as it was in another country. They can’t file any form of petition against you or for that matter send you any court letter or such against you as its too small an amount and would be too expensive for them to try anything useful. So your pretty much safe. In fact the only thing they can probably do is beg you for the money..and they know where that will get them…:-) hence thats why they won’t be contacting you again.
Today we got a letter from International Collection Agency LLC out of Orlando, Florida. I looked into it and they are legit. Just not sure how far this Collection Agency will take this. I have read where others get a “deed in lieu of” and then we get a Collections Agency? We paid them over half of the money so we don’t owe a ton but they are liars. They push you to make a decision and then don’t honour what they say. I am so frustrated.
just ignore theme
thank you james for your reply,you have cheered me up no end.it is a bit of a worry when they keep phoning me.but i just hang up now.i will post now and again to let others know how things turn out.best of luck everyone
jim in uk
Hi Jim
I live in Germany and after reading all these comments I have the courage now to stop paying Maintenance & taxes. Recently I got a letter saying: if your accout is not satisfied in full within 60 days of the date of this letter, your account may be placed with an outside collection agency.
I am scared to death and I always paid because of fear. I bought this TS on 1997 and did not use it in the las 12 years appr. I tried to put it to sale twice and paid for it without any success. I cannot do this to my son and let him live with this burden after my death … Year after year just did not try to think of this and always paid to avoid getting problems with them. So what now? I am really fed up, and can´t do this anymore. What do you think ? 60 days are almost over, and sell it living so far away is almost impossible. Thanks in advance for your answer. Regards, patricia
Patricia,
From my research in this, your son is NOT required to take anything you own after your death. He can refuse to accept it. At least that it my understanding of US law, not sure how that works in Germany but I can only assume it would be similar.
Hi, many thanks that´s a relief ! a piece of good news at least. Now I am trying to find out if they can follow me in germany, cutting my credit and credibility regarding businesses in gral. This is a real nightmare. Two months are over so . … this time I am not going to pay. Let´s see what happens.
I have been given the opportunity to aquire a 2BR Villa with a loft for the maintenance fees only and to use every other year. I was going to do it but after reading this blog…..I’m scared to death. I thought it would be good for our family to use since it is so close to orlando for the grandkids. It is located in Ocoee Florida. Why can’t I get info on that particular resort? Sooooo it would be a mistake to do this?????? Help me. I looked at the top 10 timeshare companies and they don’t seem to be this bad. What do I do????? I’m afraid of extra fees above and beyond the maintenance fees….What are they?
Don’t EVER buy a timeshare, and especially not one from Westgate. Period.
Do not do it. They increase the maintenance fees frequently. There are a lot of hidden fees associated with Westgate usage. Please do not buy a timeshare. Staying in a 5-star resort hotel for all of your vacations would be cheaper over a lifetime than buying into a timeshare scam (yes, it is a scam).
Deb as others have said avoid it at all costs. My wife, daughter and I just returned from Orlando and ended up buying a westgate timeshare. Thankfully we got back and cancelled immediately and got our money back even though they told us we wouldn’t and the whole lot of lies they told us and phone calls to keep us interested past a 10 day rescind period. But the fees will mount, it’s around $800 every other year, plus you will have to pay interval international(II) every year which is around $80 yearly. These costs will rise yearly as will the maintenance. thats $960 to use every 2 years. The interval internal sceme that allows you to swap your villa will cost another $200 approx each time and their apparent great deals you might be able to get are almost impossible to get. You can easily get a week somewhere for $1000, and not be stuck to the Westgate or II. As an example we live in the UK. We checked the II book for any hotels in London as that would be the place most visitors come to. Their were NO hotels in London with II…and the nearest hotels were in the middle of nowhere you’d want to be. So it’s basically a bunch of useless hotels in the middle of nowhere if you swap with II. So stay away.
we stop pay our timeshares few months ago,we owe them only 1600 but we had enough,they raise tax and they said is not going to happen plus they show us new suit but at the end we got junk ,this is what they call 5 star ,we use only once and everything was wrong,we from canada .I don’t understand how law is on their side,what kind the law is this that you legally can rob people ..Westgate should return all money to people who they lied.
What do you do if you don’t have the money to do the deed in lieu of foreclosure?
I didn’t pay a cent. They told me it would be $250. I told them that I wasn’t giving them another dime of my money. I haven’t heard another thing from them and its been close to a year now. I think my threats to involve an attorney may have also helped.
There are a lot of people out there with a lot of answers.
The best one is “stop paying.” And don’t respond to anything. They can’t do a thing.
I had over a million points with WYNDHAM and calculated that I was simply paying TOO MUCH. Period.
I contacted aladyjustice.com (Pelligrino Law) , gave them $2k and within a few months Wyndham offered me a DIL (Deed in Lieu of forclosure). I signed it and never paid another dime. THey went away. I ultimately saved thousands. Let the attorney do it.
Class Action will be good. I will also participate. Anyone understand how to go about it? I am quite ignorant. I could look into it in April unless someone else can do it sooner.
I just found out my timeshare went in foreclosure. Has anyone experienced this with them? I dont want to pay them any more money, but im afraid for my credit.
My timeshare with WG was paid my maintance and taxes kept going up I ask if I could make payments on them, they said no they needed the full amount I said I am willing to pay but I can’t pay the full amount. So I stop paying they foreclosed and now its on my credit that’s not right. Count me in on any action we need to take.
so what if “it’s on (your) credit?” They hit mine too but I contacted my attorney who had it expunged,as it were. Also, when applying for credit and a timeshare shows up the creditor will usually understand and just ignore it.
HELLO, People talks and cry and comment. STOP!! I’m too a WG owner and my TS has been paid off and like you all, I’m sick Im tire of the fees etc.
The fact is WE are not doing anything about it. We should get an attorney and START A COLLECTIVE COMPLAINT MAKE AND SUE THIS PEOPLE AND PRESS CHARGES AGAINST WG.
I agree hundred percent. Please let me know if you and others do that. I would like to be included.
COUNT US IN ALSO! it is absolutely crazy the way these WG people treat you when you go to the
go to view the cabins. You are not given any time to think about what is best for
your situation. “You must decide now, it’s a one time offer & you make this decision
before you walk out the meeting”. These were the words told to us, no time to look at your own personal affairs. My gut feeling says walk out now but I let them talk me into signing the papers @ that very moment. After leaving the closing I looked for the contract papers so I
could review them but they could not be found. At the “breakfast” the next morning
I ask where the contract was & was told there is a “secret” compartment we put them
in. WHY? Did they not want us to see them until we started home? My husband & I
want out & need help to do it. We hve stopped making payments & now getting daily
phone calls. Yes, we will be happy to sign a COLLECTIVE COMPLAINT & SUE THESE
PEOPLE. Any help is appreciated.
I got a deed back form from WG, filled it in and emailed it back and no response! when I called to follow up they told me I can NOT deed back! I explained that my husband and I have seperated but they said we still have to pay. We will probably just stop paying. any advice?
I also own a very expensive unit and to would not only like out but a portiont of my money back for only using my TS once. If ther is any hint of a class action suit i would definetly be in and do whatever i could to help out!
Never email any documents. Print and send via certified mail.
Hi Jeannette and all that are reading these comments!
I have a WG in Orlando and I have written to the ‘owners Relationship’ manager in Ocoee to offer them ‘power of Attorney’ to have the property back as we can no longer afford the ridicoulous maintenance fees. Also I have contacted ‘cancelouttimeshare’.com as they offer no win no fee to claim against ‘mis sold’ timeshare and if granted by the court you can recieve between £3-15k less 40% fees, which are only taken if you win! Has anyone else had any dealings, or is this some kind of scam?!
Thanks for reading
Amanda
I am practically a brand new owner but I’ve already run into financial issues and was told at time of sale that if we did they would take it back no problem. Collections calling now after not paying April mortgage and claiming they don’t do that. Finding that others are being told this as well. In the process of taking care of this but if others need my signature on a petition claiming that Westgate promises to take the property back then I’m game.
if you want to give up I advise you that this is the time because you haven’t put in that much into it. just sign the paper work and sent it to them. do not pay any extra money to sign paper work. you will be find once you give that piece of crap….not worthy at all in this difficult time
Trying to get rid of my West Gate timeshare that we brought in 2011. We still owe mortgage payments and just got hit with our yearly dues… I need help fast
All I can say at ths point is sorry I haven’t been able to answer all of the emails as there have been many… To put this simply be prepared and patient. It took me 6 months of phone calls (I stopped answering them) and then finally after two certified letters to Westgate they called and left me a message saying they wanted to discuss my options. Of course they wanted for me to “work with them” and I said I could not and would not. Then I told them either take it as a forclosure or a deed in liue of forclosure I didn’t care!! Then they said the second option would be better for all of us ( meaning them- they pay far less this way and it goes much quicker). PUSH FOR THE DEED IN LIEU of FORCLOSURE!!! Stand your ground. It did NOT show up on my credit report even 6 months later…. They’ll try to get you to pay $500 but I said no- so $250 and it is done!! Document every call and get the names- then ask for a supervisor…. Start calling them if you have to until they listen. I stoped paying immediately and took my account off of the auto draft too. If you want out stand your ground!!
Did you just stop paying your payment and did you get a lawyer?
I just stopped paying… no lawyer was needed. I consuted one and they told me to stop paying and do what I wrote above…
Can you send me a copy of your certified letter as to what you said. I really need to get out of mine. Thank you for any help you can provide.
Sonia
Id be interested in your certified letter too. SO i havent paid in 5 months, it didnt show up on your credit?
Can Westgate ever put a lien on property or your home?
Did you have to fill out a hardship form? They are telling me that they dont do a Deed in lieu of foreclosure. Also, did you ignore alot of their phone calls?
hi jeannette wright,pls i also bought a time share from westgate,can you direct me on how to do the deed in lieu of forclosure that you discussed where it will not show on my credit
Hi jeanette,
I am very interested in your story about westgate. My husband and I got sucked into purchasing a westgate timeshare in Florida in October 2012, the deal they gave us was to pay a deposit of 2000 dolars, since paying the deposit we have paid 3 monthly instalment of 277 dolars, we are due to pay 7000 dolars next week so we get the remaining monthyly instalments at interest free credit, reading your story has given me the confidence not to pay the 7000 and cancel the standing order with my credit card company, any further advice you can give me would be much appreciated I have been so worried, we live in Scotland in the UK, the westgate customer service is shocking I have spent a fortune trying to get to speak to people and get nowhere, do you think I have a case to claim back the 3000 dolars they got out of me?
Arlene callan
Jeannette, I feel with my hands tied, I really dont want to mess my credit because we are looking for a better house to buy for my family. I got my WG last year and i had paid more than 5k, i want to get rid of it, if you can help me with the letters that you send them
thanks
Buy the house, then stop paying them!
nice job!!! I just didn’t pay a dime for any foreclosure….I almost did but thank God I didn’t. stand your ground is a way to go…..
hi i have a new contract with westgate after the first one was wrong so they cancelled my old one, i havent signed the new one yet but i am being chaced for money does this mean i can get out of it as it is not signed 6 mths on !
Hi guys I am flabbergasted at some of the comments and the time of year has come that I need to pay my yerly $800.00. I live in the UK and fell in the trap and paid cash for week 33 in Westgate Vacation Villas. Since then my circumastances have changed considerably and I reall dont know what to do. i dont have any cash as divorced and my health is failing. What can I do guys. The deeds sit here and I have not got the kind of cash anymore than meant I can visit America. I am so frustrated. Anyone with a clue of what I can do? I would appreciate some advice
We bought a timeshare in 08…and a bunch of lies…we have never gotten to stay when we want too…and the last time we stayed our clothes were stolen from the cabin we were in..this was in Smoky mts. Westgate…I hate westgate and I advise everyone to NEVER buy from any timeshare….Westgate lies, and will never apologize when your things are stolen…I beleive it was staff that stole our things…I HATE WESTGATE…
I just closed out the westgate I owned via Deed in Lieu of Forclosure…. I only paid $250 for the transaction and I am done!!! It took several months of phone calls and me frankly telling them via ceret. letters that I was done…. yes this is true. If you want more info please respond and I’ll pass it on
Hi Jeannette, I am very interested in how you got rid of Westgate…they are disgusting…and I really detest them…Please reply to pjat@bellsouth.net
thanks in advance..
Pjat
Jeannette I am also interested as well. Last month we decided to stop paying, we just can’t take it anymore! I don’t want to post our whole story but I have “flushed” money away to 2 companies to sell it, tried to combine it with my father in law’s it is a mess. Please give us some insight.
See my comment above from September… if you want more info please email me at Jeanette_wright@comcast.net I am soooo glad to be done and it NEVER showed up on my credit report…
Patsy, did you ever reveive the information from jeanette wright? I really would like to have it. Westgate has really pissed me off.
Yes Gene, I got the information from Jeanette, however, she was getting rid of her timeshare due to a hardship… I called them and was told I had to pay..I had no hardship and they would not even speak to me about giving it back…So I didn’t want to ruin my credit so I am still paying…Sure wish I had not gotten into this mess …It is like flushing your money down the toilet..
Jeannette — please send more info to me as well… I’m currently battling with them over a Vacation Villa 2 bedroom in Orlando. Divorce is the reason I need to get rid of it.
Thank you!!
Christine drop me an email the above address on my comment below Candice
I read your posts on a forum and I was wondering if you can give me some advice. My fiance and I were scammed into buying a timeshare 5 days ago at Planet Hollywood. We were told we have a recission period for time shares, but we did not realize foreclosures do not have this option. Once we got home we saw all the paperwork we were never shown by the wolves at WG put into our package after purchase. We were never shown a form that we cannot cancel, we did not initial or sign it either like it requires. Our names are typed in by a computer. We signed the second page of that document but there is no info on it about no revocation option. We have paid $1000 deposit which I am disputing with my credit card company and I have blocked the rest of the deposit and further payments. If there is no deposit how do I have ownership. We were told we have unlimted use because thats from the original deed but calling them today we were told we have only 1 week!
p.s We are from Canada, how will this impact our credit do you know? We have no idea who to contact for help.
Happy Holidays,
Tara Azimi
Hi Jeannette! My name is Brandi and
I am very interested to know what steps you took
To get rid of your timeshare.
Please respond.
I am so frustrated with the calls, letters and lies!
Thank you in advance,
Brandi
Brandi email me ok… see above…
Hi Jeannette.
Been reading all these replies, and we want to get rid of our Westgate timeshare. I own one in Orlando and like you say can’t afford the $800 maintenance, as also can’t afford to go out to the States! We own the deeds, as it was paid off years ago. Can also do Deed in lieu, as want out of it to. Appreciate your help.
Hi all, I too was able to get out of my contract. I feel sick when I think of all the money I wasted, but I’m glad it’s over. I stopped paying my monthly payment. They called me for over three months before I spoke with them. When I did, I told them I had no intention of paying another dime to their scam. The calls went on for another 4 to 5 months. The last calls they made told me they would accept a deed in lieu of foreclosure, but that I would have to pay a $250 processing fee. Once again, I told them they weren’t getting any more from me. I signed the D.i.l.o.f. And haven’t heard from them since…that was about three months ago. I also haven’t seen anything on my credit report. My advice is to stop paying immediately and tell them that you’re not paying anything else. Let them offer you the d.i.l.o.f. And sign it as quickly as possible. I hope this helps.
we asked for the deed in lieu but were told we caouldnt have it. instead thaey said they would sell it for us but we had to give them power of attorney so they could show it and sell it….whatever….. we didnt pay anything, we just signed the power of attorney papers and had them notorized, thats been probably 6 months ago. We havent heard anything. It hasnt gone on our credit. You would thing they would call or mail us or something but then I remember who we are dealing with….crooks
thanks stephanie for writing that,we stop pay them,they ripp us ,we not going to give them not even cent ,everything what they said was big fat lie
I got the letter for DiLoF, they said it would cost $1500 processing fee, or discounted if I respond within 7 days of the letter. I was told that it shouldn’t cost a dime. Did yours go through without costing you a dime ?
I am curious as to how you got out of Westgate timeshare.
Dear Jeannette, I would love to get more info on how you did the Deed in Lieu of Forclosure with Westgate. This would be the best holidays present anyone could give me!
We just bought @ Westgate gatlinburg & since have had things arrise that we need to get out of this contract. In your statement you said to contact you for info on how to get out of this in leiu of foreclosure. Please let us know what to do as we no longer want/need/ nor can afford this timeshare. thank you so much for your help
You have a 10 day recission period! Look in your packet that you were given. I’m sure all the information is hidden and you will have to look for it, but it should be there. You have to send certified letters to Westgate stating that you want rescend your contract. IT MUST BE POSTMARKED BEFORE THE 10 DAY PERIOD IS UP!!
Please send me information on that deed in leiu of foreclosure
Email (redacted)
Need help to get out of my timeshare
Hi Jeannette,
I am sure by now that you have had many emails regarding your foreclosure. Please would you let me know how you went about doing this without ruining your credit history….I currently own a westgate in orlando and still owe about $7000 on it and want to get out. Thank you in advance,
Joanna
Please send me more information on how to get them to speak with you.
Jeannette I am tired of Westgate. I still owe around $4500 and can no longer afford to pay. Please explain how you got rid of your timeshare!
Hi Jeanette,
I’m from the UK, I’ve also experienced the crap service of WG having purchased a timeshare in 2008. I also took out a mortgage as well, which I’ve stopped paying and the annual fee of $800 which I’ve not paid.
Can I get sight of any letters which I need to send or the WDIL form.
Outside of the UK I do not think that they have a chance of touching the credit bureau’s etc as different countries have different laws?
Let me know when or if you fancy coming to the UK and we’ll look after you
Kind Regards
Paul and Lesley Stephen
Hi Jeannette; I would like any info on how you began this and what you wrote in letters. I can deal with the harrasment I know they will give if we stop paying, I’m just not willing to do it if they can put a lien on our home. I’ve heard both, they can and they can’t. Appreciate any help !
Thanks !
Our account with Westgate has been paid off for years. All of a sudden Westgate’s Collections Department says we owe them nearly $10,000. We even have documentation from Westgate stating our account was paid off. We are not going to let them get away with ripping us off.
You have to stay strong and be ready to put up with a lot of calls and keep sending them cert letters asking for a deed in lieu of forclosure… It took me 8 months, but I am DONE!! It did not show on my credit either( all three ). This company is in $$ trouble already, save yourself. If you do have to go through forclsoure, it is not the same as a HOME forclosure. Don’t allow them to take another dime….. GOOD Luck!!
Caution!!!!!
I did a deed in lieu of forclosure in summer of 2012, paid Westgate their required fee of$450 and thought I was done with them forever. Today I received a Form 1099A, Acquisition or Abandonment of Secured Property for balance of outstanding property, meaning I’m being hit with taxes on the the unpaid principal. I intend to contact a Florida attorney on Monday.
Marcel, honestly I’d take that hit. Even though we can afford it, it’s a nightmare trying to book a date. Just nothing seems to align with them.
The same thing happened to me. Signed the deed in lieu of foreclosure and then received 1099-A in the mail. I was in the same boat with you initially when i thought i was gonna take a hit in my taxes. I was wrong. Thank God, I dont have to file that 1099a form. I already did my taxes and talked to a turbo tax specialist about it. I was relieved that i dont have to file that form!
Did you guys just stop paying or did they contacted you? Our payment isn’t due until the end of the year.
Was your timeshare with Planet Hollywood towers if so did they try to offer you Power of Atorney first.
I purchased a re sale unit in Westgate villas in 99 with my first wife. We used it a few times but needed to sell it. Could not sell it . Stopped the maint fees for 2yrs and was able to transfer the ownership to a cousin for the amount of fees owed. They live in New York and was happy to get it just as much as i was to get rid of it. Its one less headache to deal with
Ed, how did you go about transfering ownership to your cousin if you don’t mind me asking?
Mike
anyone who has a 2 or 4 bedroom at westgate planet hollywood i would take it off your hands
Haha, this seems too good to be true!
I have one..Are you still looking David? We are looking to sell our unit.
purchased time share westgate villa 2 bedroom with loft
want to sell annual …….
Hi David, We just bought one 2 bd and want to get rid of it. Are you interested?
First, let me say that when it comes to timeshare, the message is not buyer beware, but the message is DON’T DO IT. I to, am a Westgate timeshare owner. I own a planet hollywood towers unit. Second, my unit is fully paid off and I am suing Westgate for breach of contract. Third, I would advise people never to go to a time-share presentation, never buy a timeshare. If you have bought a timeshare and find that you are not using it, then by all means get rid of it. In my case I was not given what I contracted for and that is the heart of my case. Most people do not make sure all the t’s and i’s were dotted and crossed, and end up suffering at the hands of these Timeshare deveopers, or companies. There is a big difference between what the sales staff offers you and what the contracting branch writes in the contract. Most people never get what they are offered, and suffer as a result. Although legal, that doesn’t make it right. I’m not sure I would use foreclosure as a means to get rid of a timeshare, but owning something that you didn’t bargain for and being lied to and taken advantage of, puts people in a corner they should never have to be in. Legal fees are beyond exorbitant, what they charge in an hour I don’t make in a week, and I am not exaggerating. In any case what people sign up for can’t be challenged legally, again that doesn’t make it right. So, I can see many people’s only recourse as being foreclosure, especially if it is not what you were offered and turns out to be far less than you wanted. Again, the message is not buyer beware, as regards to timeshare, the message is DON’T DO IT.
Ours is Planet Hollywood also, I feel the same as you. It seems everyone on this blog does. My question is, with this many people that dont even know each other sharing the same story, why cant we do something about this?
My husband and I are also Westgate owners. We have thought about suing Westgate. We did not get what the salesperson promised. I would love to know how your lawsuit goes.
Hey Mike, I’d love to join your cause. I own a unit at Westgate Town Center. In 2010 I was refused the use of a certain week which was in my contract. I even had a higher up manager review my complaint and he insisted that I could not use it since “the rules had changed.” Only after our vacation did I find out that I did have a right to use that week. I cost me about $1000 to stay somewhere else.
Hey Linda,
at present the court is considering our motion for summary judgment. If they rule in our favor
Westgate will have been found in breach of contract. The judgment should be made sometime
by early Dec. when it is I will let you know the result, and talk further with you regarding your
situation and your options.
Mike
Please do contact me, Mike. May you have success at court which will be a service to us all.
Judge still has not issued a decision. Should be no later than Jan 2013, should be this month in Dec. but still no news. Will keep all updated when it comes.
Mike have they made a decision yet? This Feb. when I am writing this..very interested to know what they decided..we all need to do a class action suite, however I am not sure what it entails.
please contact me im an owner @ Westgate resorts lake in Orlando, lots of money paid and never really used it… i still dont understand how is that they get away with what they pormised people…
Linda I have had the same exact issue with WTC. They always say that week is a holiday or “yeah it changed from when you originally purchased” or “your upgrade changed the original terms”. I’m trying to get out quickly. Let me know how it works.
Gene, I sent a certified letter in November. In it I clearly stated examples of Westgate not meeting it’s contract and the “spirit” of the contract. Due to this “breach of contract” I explained that I will not pay any more dues/taxes why it is in their best interest to accept a Deed in Liu of Forclosure: prevent bad press, prevent more financial loss. They called in December with an offer: pay$1200-1500. I refused. My attorney advised 1. call or write after each delinquent notice to refer to my first letter 2. be polite and document who I spoke to 3.If they sue, just tell the judge of the Breach of Contract and ask for a refund of the purchase price on top of the Deed in Liu of Foreclosure!
I’ll keep you all informed.
Did you have to go through a collection agency as well? They are asking for a hardship form to be filled out with information on my salary, bank account, bills etc….not sure what to do, even though I have taken a hit on my income…are you able to share that breach of contract letter you sent them. they promised me that I could get up to 6 cabins on a cruise in exchange for my week at Westgate…I cant even get one cabin without paying more….Joanna
Mike, we were not promised what we signed for! We bought 5 days ago and found out we can’t cancel it bec we purchased a foreclosure. We were told we would have unlimited use. Our paperwork indicates 1 week…among other lies. We’ve paid a $1000 deposit and I’m putting a stop to all the other payments that will be coming through. I don’t know who to contact all the way from Canada. Any advice?
Best Advice: Get a lawyer immediately. Everything else you have done is RIGHT SPOT ON. LET the credit card company fight with them. O’h, be sure to notify “the wolves” in writing immediately, send it certified and notarize it.
Hi Tara my name is Jason and I am from Manitoba. I just got back from Vegas yesterday and bought into the westgate resorts deal at the planet Hollywood towers(foreclosure) which I see is non existent . Can I speak to you about this?
Hi I am wondering if anyone from Canada knows if they can even affect our credit? If so what do we have to do to get out of our timeshare…. we have been paying $200 a month for almost 3 years for our planet hollywood timeshare and still owe over $9000. I could have sworn we were told it would be paid off in 5 years obviously this is not going to happen.
My husband and I bought a ts in orlando Fl on nov 2011 while we were on out honeymoon
and after 2 months we are regretting our purchase. We want out but where do we start? do we just stop making payments or do we talk to them first?
we bought ours in 2003 and 2004 then change it to points with the english site but now just want to stop paying maintance would be willing to give it back to both but have been caught so many times by companys who are not legal but sound convinceing. Now we are hoping to retire but this stops us in case we fininsh up in a court and loose our house. how does people get round this problem.,
Just to let you know, I stopped paying on my timeshare and now have a foreclosure on my credit. It is the same kind of foreclosure as if my house had been foreclosed on. My wife and I are trying to buy a house and we got denied because of this.
Caveat emptor.
Something doesnt sound right – Do you have any other credit issues- how is it being reported – You can see my post above in regards to the same deal on my report. The only posted the KD to Experian – At its lowest point my score bottomed out at 630 – but then again I had perfect credit until then and this is the only think on my report thats a negative… This was in 08. I have had a home for 10 year prior – we have then sold that house and just purchased a new one about a year and a half ago with out any issues -
I have a question for you> I paid in full, after years trying everything like everybody else I decide it is no way out so I accepted loose my 20K but I do not want to keep paying “taxes and Maintenance” QWuestio what happenned if I stop paying? how is the process
I believe it is considered a foreclosure, just like when you don’t pay taxes on your home if paid in full you can still lose it. You might want to call the westgate finance company
Karen
Was your timeshare with Westgate?
I am in the UK, bought my Westgate in 05 and have paid it off in full. I actually wrote to them about 20 days after purchase to cancel but they said the time limit was 10 days.
Anyway, I simply want rid and was thinking of not paying my maintenance fees any more. What would be the consequences for me in the UK?
Thus far, Westgate has no locations worthwhile that I would be interested in staying. But, I’m interested in discussing taking over your responsiblity for yearly maintenance fees if you’re interested in getting rid of your timeshare that’s located in a place that I can use. I currently own one that is located in Myrtle Beach, SC, but would prefer another location and wish I could get someone to take over it as well. If you’re interested in further discussion, email me djg7@cdc.gov to discuss further.
Where is your timeshare located? I am interested in getting it from you.
Myrtle Beach, SC
I have a paid off mortgage at the Sheration Broadway Plantation that I do not use. I would let it go if you assume the yearly assessment fee. If interested, email me at wmabel@carolina.rr.com.
Hi JPK
Did you ever find away of getting rid of your Westgate timeshare we own and live in the UK and cannot keep up with the maintenance payments anymore.
Thanks
Alan,
In Nov 2011 I completed the ‘Voluntary Deed Back’ that Westgate sent me out and returned this. As my timeshare was bi-annual I was up to date with fees.
I heard nothing from Westgate until 2012 when they sent a bill for 2012 maintenance fees. I emailed saying I had deeded back the timeshare and wouldn’t be paying anything further.
Then they sent a debt-collection letter.
I emailed again and eventually someone responded saying that if I wanted to deed back I would have to pay outstanding 2012 maintenance fees ($700) plus a charge of $1,250. So around $2,000 to give it back!
I responded saying that they should take my letter as official notice that I shall not be paying any furtehr amounts to Westgate and their charges were unreasonable and unfair.
There hasn’t been contact for 1 month or so.
I wish I could deed mine back..They are getting really bad, If you keep your week from year to year they are now charging 140.00 to book your week. There is nowhere in my contract that says you will be charged such a fee..And maintance is over 600.00 this year. Please tell me how you got a deed back contract to give it back, I have tried to give mine back and they tell me there is no way out of the contract..I don’t want to ruin my credit but I HATE WESTGATE..
Hi JPK
Can you email me the detail of what you did. Im about to start the same process (redacted)
Thanks
Kev
Hi Kev,
My name is Paul, also from the UK and unfortunately a WG owner as well. I still have a small mortgage on the property from 2008. I’ve stopped payments but what can they do to us in the UK?
Did you sort yours out?
Cheers
Paul
HI JPK,
My name is Paul, also from the UK and unfortunately a WG owner as well. I still have a small mortgage on the property from 2008. I’ve stopped payments but what can they do to us in the UK?
Did you sort yours out?
Cheers
Paul
If you send them the deed in leiu of foreclosure, (without any processing fee), it is much cheaper for them to accept that and drop the issue, than to proceed with a foreclosure. They sent me the DiLF and a letter telling me to pay $1500 if I wanted to return the DiLF. Ha, No friggin way. It doesn’t cost anything for them to accept the DiLF, but it sure would cost a lost more than that to foreclose. Still waiting for the outcome.
Pls jim,how to you get the deed in lieu forclosure,will really appreciate it.thank you
Well they just sent it to me after so many months of non-payment. And they said If I wanted to sign it and send it back with $1500 that would take care of everything. Well I sent it back but No money. They will have to either accept it or foreclose. It would be very stupid for them to spend $ on a foreclosure when they have the DiLF in their hands.
Jim, did you have to deal with a collection agency? They are telling me that they do not do a DILF…I have to fill out a hardship form and send it to them with all my details….
Paul,
I am in an almost identical situation to yourself. And I’m desperate to get rid of my timeshare.
Please let me know how you started the process. I didn’t want to just stop paying the mortgage but don’t see how to move forward.
Many thanks in advance.
Gary
Hi Gary,
I’ve stopped paying the mortgage as well mate. A friend of mine is a Solicitor and says they can’t touch me. What is the mortgage paid against as we have no real asset. Not paid now for 3 months on any monies to Westgate, I’ll let you know if I hear anything
Cheers
Paul
Thanks! Think I may have to just follow suit.
email is [redacted]
Grsteful if you could pass on any extra details if you get them.
Buyers remorse? Hell yes!
I have heard that they have many fake callers to say they are from Legal, credit bureaus, etc- to try and get people to pay. My attorney told me to ignore all calls and let them do all their dirty work and threats- I am following that advice. But you may want to ask your own attorney.