Land' Or International

Land'or international inc successor in interest to club Land'or Nassau ltd just garnished my business checking account witch contained PPP money from the government to pay employee's, I'm sending a letter to the authority's. Payroll checks bounced.

Dear [redacted],
[redacted] has been a member of Club Land'or since 1993. She has access to a 1-bedroom unit at Club Land'or annually. This is described in more detail in the lease agreement. Members of Club Land'or are able to use their week via exchange through a separate and...

distinct agreement with an exchange company of their choice. [redacted], which [redacted] references, happens to be operated by Land'or International, the parent company of Club Land'or, and is available exclusively to members of Club Land'or. According to our records, [redacted] has only placed one request with [redacted] for exchange, and that was in July 2013 for travel in the beginning of 2014, to a ski area, in high season, in a unit that is larger than what she owns. As with any exchange, confirmation of units is based on availability and availability can never be guaranteed. This is why [redacted], and almost every exchange company throughout the industry, requires at least three areas and three dates to do a search. Our representative must have made an exception for [redacted] concerning this request. The contractual reference made by [redacted] does not apply to exchanges and is taken out of context. The clause she brings up is solely for the purposes of the resort Club Land'or itself not being able to host guests for 3 consecutive years. [redacted] has not inquired about staying at Club Land'or. Again, the use of exchanges is via a separate and distinct agreement with that particular exchange company.
There are several hundred other exchange companies in the industry which [redacted] can use to exchange her week. There is a short list on the Corporate website, [redacted], under the "member alerts" area. Please have [redacted] contact me if she has any questions about the other exchange companies in the industry, or if she would like to place a new exchange request.
Sincerely,
[redacted]

Revdex.com:
At this time, I have not been contacted by Land'Or regarding complaint ID [redacted].Hello [redacted],
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This is a response to the letter received 8/19/2014. I have not received any response from Land 'Or regarding this complaint. Please proceed.
 
Thank you for your time.
 
[redacted]

Good morning,
Let me begin by addressing the misdirection of this complaint against Land'or International, Inc. [redacted] contract is with Club Land'or (Nassau) Ltd.; however, this complaint is being listed under Land'or International. Land'or International and Club Land'or...

are completely separate entities. Further, [redacted] is filing complaints regarding exchange requests with Flex Plus Exchange and H.S.I, which are also entirely separate entities from Land'or International. It is respectfully requested that this complaint be removed from the Land'or International report as it is not specifically directed towards Land'or International.
Due to the fact that H.S.I. is a completely separate entity from Land'or International, I cannot comment on the accommodations made through that program.
[redacted] account has been on and off past due throughout the duration of membership. Accounts that are past due will not be able to access membership benefits.
[redacted] membership is for a 1 bedroom unit every OTHER year (odd) at Club Land'or.
Sincerely,
[redacted]

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
The so called letter was done after the credit file was pulled not before.
I said I did not want to continue the business agreement and was told that they only need my information for their files but they lied about it.
Many other people have the same experience . They are a fraudulent company .

Review: I have been a member of Club Land'Or in Paradise Island, Bahamas for almost 10 years now. I have a contract that expires in 2017. I have asked repeatedly the Customer Service and the Accounting Department to provide me with a copy of my contract, as I have misplaced mine. I have been charged an substantial amount of money every year for maintenance fees plus assessment fees, plus administrative fees. I am being told that my contract stipulates that every year the maintenance fees are supposed to go up 3%. I do not recall this when I signed the contract. in addition, since I cannot afford to pay the entire invoice at once (which varies between $1,600 and $2,000 per year), I call sometimes in March and ask to put a note in their system that I will be paying monthly payments until the invoice is paid in full. I have been threatened and harrassed every month either by telephone calls or emails that my account is past due and I will be put for collection. the bill was due on March 1 and I have arranged for 6 monthly payments so the bill would be paid in full in August 2016. I requested a full breakdown of the fees and charges paid to date since I have been charged a late fee, penalties plus interest each month. I need to see the full breakdown of what has been charged. When I requested this information 2 months ago I was told to go check my contract because it is clearly stated there how much I have to pay if I am late on my fees. I have requested a copy of the contract and was told I should have it and they will not provide me with a copy.

I believe I am within my legal rights to request the contract and a breakdown for all the fees charged on my account. Every time I request them, I am being told with a very rude and nasty tone that I should have those and they will not provide. I am trying to obtain a resolution to this issue. the customer service is awful, they are very rude and disrespectful and also are harrassing me with late notices, though I called repeatedly.Desired Settlement: I would like to get a copy of the contract and a breakdown of all the fees charged on my account. I also need to have confirmation that my contract expires in 2017 and what my final bill will look like. I want to make sure I am not charged extra fees for early termination or any other fees I've never heard off. My experience with this company over the years was VERY unpleasant. They increase the maintenance fees EVERY year, do not provide explanation what is for and NEVER are helpful in making the customer understand what the fees are, what the penalties are and how much we should expect to pay for.

Business

Response:

I don't know who spoke with Ms. [redacted], but we will be pleased to forward to her all of the items and documentation she has requested.

Consumer

Response:

I have not received the response from the business. I asked repeatedly to Vicky and P. Marlene [redacted] a copy of my contract and they both responded in a very rude tone that I should have it and that if I want a copy I should send them $25. Ridiculous!

Review: I was at Atlantis ,Bahamas for family vacation from May 26 to June 2.

I was approached by this company and I went to their sales presentation .

I was interested in their product and I asked them specifically about the use of social security numbers and I was told by the sales director-Mr Bryant P[redacted] that it is only used for documentation issues and not to do a credit report .

I was there with my wife and 2 kids-aged 7 and 8 months.

I checked my credit report and noticed that they did run the report . My aim was to pay off the cost of membership within a month .

Now, I will like to cancel due to lack of trust and there are giving me problems.

I will like the consumer bureau to review the agency and see if the good and hard working Americans are being taken for a ride while on vacation .

As a nation,we are a country of fair and just business practices. Please use your agency to protect people from dishonest practices.

We were there from 9 am to about 3 pm and with 2 kids especially 8 month old , it was too much.

Please review and help make our country safer.Desired Settlement: NO further contact from the business.

Refund and also fair business practices.

We are a country of hard working people and not only me , but every other person that goes on vacation should be given fair and truthful facts about the business .

I want justice for all .

Everyone has a right to fair business practice.

Business

Response:

Attached please find a "Purchaser'e Credit Application" which Mr. and Mrs. [redacted] signed on May 29, 2016 in connection with a request for an extension of credit on their behalf by Club Land'or (Nassau) Ltd. Above the [redacted]s signatures, prominently displayed in the highlighted section, is the Purchaser Credit Application disclosure that the lender may, among other inquiries, make a credit inquiry. The [redacted]s acknowledged their understanding of the lender's right to this inquiry, and granted their permission to do so by virtue of their affixing their signatures immediately below the disclosure.Bert H. H[redacted], CFOLand'or Companies

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

The so called letter was done after the credit file was pulled not before.

Review: While on vacation in Nassau, Bahamas me, friend and brother and sister in-law went on the suppose to be 90 minutes presentation, ending up to be almost 3 hours. The representer was also talking to other people. He didn't enclosed other fees that found out after getting back to the US. My friends and I was told that their is a maintance fee when you use the membership. After checking found out that the fees have to be paid yearly, even if you don't use the services. My credit card was used to start membership, was $2,875.00 , found out that $1,295.00 was closing cost. They rush us when signing contracts. After getting back to the US, additional $2,366.33 check was sent. Havent heard from anyone I called several times, only to get voice mail. Finally talking to a lady name [redacted], but never got any calls, email, mailings from the company, only after talking to [redacted] a second time, telling her that I wanted to Cancel this service that a book and payment paperwork was sent to me. The original cost was suppose to be $7900.00 payout over 5 years if needed. Then found out that the $455.00 fee was yearly, an something about at $99.00 fee to transfer to other motels/resort. It will cost the four of use around $11,000.00 that was suppose to be $7900.00 without and interest if pay out over time. It has been over a month. September 4, 2013 was when we got into this contract, today is October 14, 2013 and only received anything from them is because I called them several time. The other people on the contract also would like to have it cancel and refunded.Desired Settlement: We would like credit card refunded ($2,875.00) casher check ($2,366.33) refunded and the contract cancel. Everyone in my party knows that the sale personal did not state all infromation on the fees and total price of the sale. They rush thru the contract siging.

Business

Response:

To whom it may concern,

[redacted] signed a Lease Agreement with Club Land’or on September 4, 2013. I have spoken to [redacted] several times since his purchase. On September 19, [redacted] called to ask questions about when he would be billed, when he would get his information for using the advantage program, etc. He was mainly concerned that he would have a balance due with the company and didn’t want to have any bills be late. I explained that once the contract is signed, it remains in the Bahamas for 7 days until the recission period is ended. Then, it is mailed to Virginia where it cycles through the various departments (contracts, accounting, reservations). I explained that this can take time and that he was on track to receive everything within our normal timeframe. On October 2, the welcome pack was mailed. On October 7, [redacted] called in and stated he wanted to cancel. I advised that he was out of his recisison period and that canceling was not an option but that if he was having issues I would be happy to help them get resolved. [redacted] never did give a specific reason for wanting to cancel, he just kept saying he wanted to cancel. He kept saying that he hadn’t spoken to anyone since he had purchased, but I reminded him that we had spoken back on September 19th. October 7 was also when the company received a check from [redacted] in the amount of $2,633.33 towards “rent” or the mortgage.

The closing costs are clearly stated on the front of the contract, directly under the signature line, in the amount of $1,295. They are also listed on the Purchase Proposal, which also has [redacted] signatures.

[redacted] signed a Truth-In-Lending Disclosure as well as a Promissory Note which clearly outlined how much he was paying for the program, as well as how much interest was being charged.

The maintenance fees, currently $455, are defined as being ANNUAL in both Article 1 and Article IV of the contract. This is also defined as $113.75 per quarter, payable regardless of usage, in the Consumer Disclosure Questionnaire.

[redacted] asserts that he was rushed into signing the contract; however, the Consumer Disclosure Questionnaire states that he “did not purchase based on any high pressure sales tactics.

[redacted] waited over a month to file a formal complaint regarding his membership. All correspondence prior to now has been positive in nature. [redacted] wanted to know how he could use his membership, how he could pay it off faster, and even sent in a check for a large sum to go towards the mortgage.

I would be happy to provide copies of contract paperwork if needed. Please advise if you would like these forwarded over.

[redacted] and [redacted] request to cancel the contract between themselves and Club Land’or is denied. The terms and conditions of membership were made clear during the sales process, and [redacted] and [redacted] signed and agreed to these terms. In addition, there is a 7 day right of recission period during which the members can review their documents and cancel. [redacted] and [redacted] did not choose to cancel during this allocated time.

Sincerely,

Review: This is only one of the long list of complaints for the company. They post late fees with no justification. It takes them up to 3 weeks to post payments and they charge last fees for their late posting. They have not honored any of the upgrades to the timeshare and they at will over bill and add assessments with no justification. We have been assessed with overcharges and late fees for years and have tried to re-sell our timeshare with no luck. There are currently several lawsuits going on against the company and I simply do not understand how they are allowed to continue to swindle people.Desired Settlement: I would like our records reviewed for all of our payments and late fees and be reimbursed. I would greatly like to be able to get out from under this company owned by the [redacted] out of Glen Allen, VA

Business

Response:

To whom it may concern,

After reviewing the Gutridge's account, I noticed the following:

A special assessment was billed 2/14/2013 with a due date of 5/11/2013. A late charge was not assessed until 6/6/2013 on this account when the balance was not paid by 5/11/2013. Payment in full for the special assessment was received on 6/19/2013. This was almost 5 weeks after the due date, and about a week and a half after the late fee was assessed. Notes on the account indicate that [redacted] from our collections department called almost ever day up until the due date and then there after prior to the late fee being assessed in order to prevent the account from being assessed a late fee. In addition, the contract specifically says that Club Land'or reserves the right to impose a late fee up to 5% on any unpaid balances that are not taken care of by the due date. Please advise of any back up you would like to see regarding this claim, including account history, notes on the account or the contract.

I do not know if this is the specific "late charge" that the [redacted] are referring to in their complaint; however, I did notice other late charges on the account for payments not received by the due date. Our billing department sends out bills in advance, sometimes several months in advance in an effort to offer special incentives to members who would like to pay early. In addition, the member is aware of the due dates of their invoices since they are dictated in the contract. Our portfolio department makes every effort to communicate with the customer several days prior to a due date passing to ensure that every opportunity is given for the member to make a payment on time.

To close, please understand that this is the first I have heard of the [redacted] having a complaint regarding a customer service issue with their membership. According to the notes on the account, the complaint was not raised with the supervisor of that department, the CFO or otherwise. Club Land'or prefers to handle matters like this in house before they escalate to third party mediation. It is our goal to ensure every member is using their membership benefits to the fullest capacity, as well as seek to provide the highest level of customer service in any situation. If the [redacted] have any questions regarding their account or membership benefits, please have them contact our team at [redacted] Sincerely,

[redacted]Land'or International

Review: CLUB LANDOR MISREPRESENTED THEIR TIME SHARE BY PROMISING EASY EXCHANGES AND BEING ABLE TO GO WHEREEVER WE WANTED THROUGHOUT THE YEAR, WITH NO BLACK OUT DATES EXCEPT FOR MAJOR HOLIDAYS. WITH LITTLE TO NO SUCCESS TO EXCHANGE FOR A [redacted] VACATION TO [redacted], WAS OUR FIRST NEGATIVE EXPERIENCE WITH THEM. WE HAD GIVEN THEM A 6 MONTH ADVANCED NOTICE ON THIS EXCHANGE, THEY COULD NOT GIVE US ANYTHING CLOSE TO WHAT WE WANTED. AFTER MANY FAILED ATTEMPTS THEY DECIDED TO UPGRADE US TO HSI. THIS WAS SUPPOSE TO BE A BETTER OPTION AND PROVIDE US WITH MORE WEEKS TO EXCHANGE. WE SETTLED FOR A 1 STAR VILLA IN [redacted] ON THE OUTSKIRTS OF ST PETERSBURG. WE HAD A FAMILY OF 5 PEOPLE AND THEY PUT US IN A 2 BEDROOM 1 BATH 600 SQUARE FOOT ROOM. THE OUTSIDE ACCOMODATIONS WERE RUN DOWN AND DISCUSTING. I FILED A COMPLAINT WITH HSI AND AFTER 24 HOURS THEY RELOCATED US TO A NICER CONDO IN CLEARWATER. IT WAS BETTER, BUT NOT NEAR WHAT IT SHOULD HAVE BEEN IN QUALITY. WE ALSO WERE TOLD WE DID NOT HAVE TO PAY BUT 100.00 DOLLARS FOR OUR EXCHANGES AND THAT PART WAS ENTICING WHILE WE WERE SIGNING UP. WELL SINCE WE WERE "UPGRADED" THE COST WENT UP TO "UPGRADE" AND NOW WE HAVE ADDITIONAL QUARTERLY MAINTENANCE FEES IN ADDITION TO CLUB LANDOR'S FEES. THIS YEAR TRIED TO DO ANOTHER EXCHANGE AND AFTER 3 ATTEMPTS FOR [redacted] AGAIN WE WERE DENIED OUR REQUESTS. AT THIS POINT WE HAVE USED OUR TIME SHARE 1 TIME IN A 2 YEAR PERIOD. AND WE NEVER WERE GIVEN WHAT WE REQUESTED, WE HAD TO SETTLE. AT THIS POINT WE HAVE STOPPED PAYING AND OUR NOW BEHIND 3 MONTHS. THEY CALL AND HARRASS US EVERY DAY, BOTH MY WIFE AND I AND ARE THREATENING TO TAKE LEGAL ACTION. UNDERSTAND WE HAVE PAID THEM OVER 4000.00 DOLLARS FOR A TIME SHARE WE CANNOT USE!!!!!!!!!!!!!!!!Desired Settlement: WE ARE LOOKING FOR NO MONEY BACK. WE JUST WANT OUT OF THIS TIMESHARE AND BE ABLE TO GIVE IT BACK TO THE COMPANY WITHOUT ANY LEGAL RAMIFICATIONS AGAINST US

Business

Response:

Good morning,

Let me begin by addressing the misdirection of this complaint against Land'or International, Inc. [redacted] contract is with Club Land'or (Nassau) Ltd.; however, this complaint is being listed under Land'or International. Land'or International and Club Land'or are completely separate entities. Further, [redacted] is filing complaints regarding exchange requests with Flex Plus Exchange and H.S.I, which are also entirely separate entities from Land'or International. It is respectfully requested that this complaint be removed from the Land'or International report as it is not specifically directed towards Land'or International.

Due to the fact that H.S.I. is a completely separate entity from Land'or International, I cannot comment on the accommodations made through that program.

[redacted] account has been on and off past due throughout the duration of membership. Accounts that are past due will not be able to access membership benefits.

[redacted] membership is for a 1 bedroom unit every OTHER year (odd) at Club Land'or.

Sincerely,

Review: I have a contract with Club Land Or until 2032. I have tried to use my vacation week for 3 consecutive years now. I have spoken several times to their representative in their [redacted] department for years. She has been unable to find me a location or week to use my timeshare. (they no longer are affiliated with [redacted] for exchanges). Therefore, I wish to return my timeshare back to Club Land Or. It is paid in full. I have not paid the 2014 assessment fee or maintenance fee, however. It does say in the contract that I can terminate the contract if resort can not find use for member for 3 consecutive years. This part of the contract applies to me.

There has also been numerous reports & articles all over the internet regarding the resorts financial problems, unethical spending, unaccounted for large assessment fees despite terrible conditions, various lawsuits & illegal practices. It may be helpful for Club Land Or to address these concerns to its owners.Desired Settlement: Termination of contract.

Business

Response:

Dear [redacted],

[redacted] has been a member of Club Land'or since 1993. She has access to a 1-bedroom unit at Club Land'or annually. This is described in more detail in the lease agreement. Members of Club Land'or are able to use their week via exchange through a separate and distinct agreement with an exchange company of their choice. [redacted], which [redacted] references, happens to be operated by Land'or International, the parent company of Club Land'or, and is available exclusively to members of Club Land'or. According to our records, [redacted] has only placed one request with [redacted] for exchange, and that was in July 2013 for travel in the beginning of 2014, to a ski area, in high season, in a unit that is larger than what she owns. As with any exchange, confirmation of units is based on availability and availability can never be guaranteed. This is why [redacted], and almost every exchange company throughout the industry, requires at least three areas and three dates to do a search. Our representative must have made an exception for [redacted] concerning this request. The contractual reference made by [redacted] does not apply to exchanges and is taken out of context. The clause she brings up is solely for the purposes of the resort Club Land'or itself not being able to host guests for 3 consecutive years. [redacted] has not inquired about staying at Club Land'or. Again, the use of exchanges is via a separate and distinct agreement with that particular exchange company.

There are several hundred other exchange companies in the industry which [redacted] can use to exchange her week. There is a short list on the Corporate website, [redacted], under the "member alerts" area. Please have [redacted] contact me if she has any questions about the other exchange companies in the industry, or if she would like to place a new exchange request.

Sincerely,

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Review: I bought a week timeshare and paid over 14 thousand in cash and was promised several things of which I have found out to be not true.

1. I was promised in writing that I could sell my week to Advantage weeks and never have to pay dues if not used.

2. Was promised in writing that the 6 free weeks given to me could also be sold for $745 a week to advantage weeks to help pay for my [redacted] investment.

Neither of these are true and the 2 men I was dealing with have changed their email and have not replied back to me since I have asked them about this.

The names are [redacted] and [redacted] This seemed shady from the get go and I see now that all these promises made are simply a lie. I have these promises in email form from Joshua but his and Brians email has come back to me undeliverable lately.

I can give you the email addresses and phone numbers that they gave me if you need them but they won't reply to my voice mails.Desired Settlement: I would like to exchange the 6 free weeks that were given to me and promised that I could sell to advanatage weeks back in exchange for the $4,000 promised I could get back to insvest in Llyodshare.

I will hire an attorney and go after the Bahammas government for assistance if needed.

Thanks

Review: I purchase an timeshare in the[redacted] with Club Land Or' in 2010. At the time of purchase I paid for the time share in full and begin to get the agreed maintenance fees. I also paid the those fees as well. I was then given a special assessment fee for damages to the resort that was there before I purchase the timeshare. When I questioned the special assessment fees, I was told the the resort was being upgraded and this was required by [redacted] law. The special assessment fees and there several hundred dollars. I would get threatening phone call on the cell and at home for payment for these fees. I was denied use of my timeshare because I refused to pay for these fees that they said was to improve the timeshare. I have yet to see any documentation of these improvements. I have NEVER used this timeshare and they are still stating the I owe over $7000.00 in maintenance and special assessment. I have called Land Or several times to remedy this issue to no avail.Desired Settlement: I want no monies back. I want the timeshare contract to be null and void and all maintenance and special assessment billed to me be deleted.

Review: August 8, 2013 I attended a vacation plan presentation at Club Land'Or in The Bahamas I signed the purchase agreement with the clear and written understanding of the conditions upon which I could cancel the purchase within 7 calendar days by fax to a provided fax number and the fax transmittal confirmation would be my proof of action. August 13,2013, I followed the procedure in submitting my cancellation notice and stayed in communication with the legal Representative [redacted] who facilitated the initial Purchase Transaction. [redacted] confirmed during phone conversation that I had met my end of the process and to expect a call from management requesting further reason for cancellation aside from the written letter explanation attached to the cancellation notice. After the stipulated 20 days required to complete the refund and cancellation process on Sept 3, 2013 I spoke by phone with [redacted] who advised me she had not received the Cancellation notice. Another call to her on the same day she advised me that there had been a delay but had just received the paperwork and advised me to expect my refund 'soon' returned to my Credit Card. Sept 17, 2013 I called [redacted] again following up on the refund to which she told me she just returned to work from vacation and asked me to call her the next day. Sept 18, 2013 I spoke with [redacted] again and who told me she would call be back in a few minutes. 1h 30 minutes later I called [redacted] again and someone else advised me she was in a meeting and would return my call. I left a message requesting she call me back and at least advise me if I needed to engage an attorney in resolving this matter since I have especially been patient but continue to get the run around. I followed this call with a direct email to [redacted] at the following email address: [redacted] September 20, 2013: I did not here back from [redacted] and so I sent a copy of this statement to their Service Department via email to [redacted] I am still awaiting for a response.Desired Settlement: Expedient response to this matter with refund without further delay as I have met the stipulated requirements according to the purchase contract.

Business

Response:

[redacted]

As discussed last week, I have attached the refund for [redacted]. Note that closing costs are non-refundable.

Thank you,

Review: My husband and I purchased 33 weeks of vacation 06/04 for $10,995.00. He was killed in Afghanistan 12/06. I notified the company of his death. The purchase price of the timeshare was paid in full 02/05 and I have worked hard to continue to pay maintenance fees and special assessments as they have become due. We had two under age children when my husband was killed. I now have one of my children in college trying to get an education with my help. I continue to get billed for excessive special assessments and I can no longer continue to pay these charges. I have been meeting my obligation with this company to protect my credit but it is getting difficult to continue. I have talked with customer service several times about the special fees. Most of the time there is no explanation of the fees or explanation doesn't warrant special assessment fees. Along with quarterly maintenance fees these are the special assessment fees that I have been charged: 11/05 $490.00 (Special assessment), 09/07 $526.00 (Special assessment) , 10/08 $549.00 (Special assessment) , 02/09 $62.31(Budget assessment), 03/09 $186.93 ( Budget assessment ), 01/10 $699.00 (Renovation assessment), 10/10 499.00 ( Energy surcharge), 10/11 $493.00 ( Special assessment), 02/12 $499.00 (Energy surcharge), 05/13 $799.00 ( Special assessment) and just received one for 2014 ($2199.66). This latest assessment suggest that these charges are necessary in order to protect our investment yet in my contract on the consumer disclosure questionnaire #D it asked if we understood that the Cllub Land'or purchase is not intended as an investemnt and we acknowledged by writing Yes. They have also been dropped by the RCI Exchange that gave me more opportunities to search for a vacation that would suit me and kids by allowing me to exchange my week for points, now I would have to go through there program called Flex Plus which is outdated with no website to allow the member do searches on their own, instead you have to call in to speak to only one person manning the phone to request a resort and date and you are put on a list. The contract that we signed up for is not functional but continue to add more and more charges with whatever reasons that they can create. I keep taking money from other obligations in order to pay Club land'or but I am simply running out of ways to continue. I do not work and I only have a monthly income that I receive from my husbands Workman's Comp.Desired Settlement: I would like to be released from contract with Club Land'or.

Business

Response:

Dear [redacted]

Thank you for making us aware of [redacted] complaint. [redacted] has a membership with Club Land'or that affords her one week every year to be used at the resort or for exchange, providing all guest obligations (fees) are met. Special assessments are a guest obligation and are described in full detail in the contract. Typically a letter is mailed along with the special assessment with a general explanation as to the reason it was approved by the Board of Directors. Club Land'or is not managed by a homeowners association. It is classified by the [redacted] as a "closely-held corporation", meaning privately held, non-public entity. The law does not require publishing of financial accounting and reporting for private companies as it does for public.

[redacted] has mentioned that she is not satisfied with the in-house exchange program, Flex Plus. [redacted] is not obligated to use this exchange company exclusively. There are hundreds of exchange companies in the industry. We have a list on our website ([redacted] under the member alerts area) of the most popular ones based on member feedback.

Our portfolio department has been reaching out to [redacted] to work out suitable payment plans so that [redacted] can still enjoy all of her member benefits yet still maintain her other financial obligations.

Club Land'or is fulfilling every aspect on our end of the contract and it is expected that [redacted] will continue to fulfill every aspect on her end as well. [redacted] contract will expire in 2036.

Please let me know if I can provide any further information.

Sincerely,

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

The answer to my complaint from the business does not address the issues that I have with their unfair practices with charging excessive special assessments fees claiming that the latest fee of $2,200 is to protect my investment. My one week, once a year is not an investment according to my contract. I understand that they are not managed by a [redacted], however if you are charging these fees to members we deserve to know how and what the money is to be used. Suitable payment plans would normally work but after this special assessment fee is paid it will be another and another for whatever reason the owners can come up with.

Review: My husband and were approached on our vacation by a gentlemen who asked if we would attend a presentation and just for attending we would receive tickets to swim with the sea lions (our choice), 5 t-shirts and liquor. We did not receive anything from him at that point. We would receive it once we attended the presentation. No need to make any purchase. The gifts were just for attending the presentation. So, we met at the front of our resort the next morning along with another 2 couples and we were driven by the same gentleman who approached us with this. We were taken "separately" to the back by a woman, [redacted] who made her presentation of what Club Land'Or had to offer. Basically it was membership for vacation time there AND many, many other places all over the world. We had many questions, some of which she answered.........when we went on to the "next" salesman.....he was a superior, his answers changed some. But reassured us, it was what we requested. They asked for a credit card for ID and stated they were not going to charge anything.......they brought the card back. Later I learned they actually did run the card for nearly 10,000. Lie #1. We ironed it at least we were led to believe so our questions and concerns. We signed a lease agreeing to annual dues and the right to cancel this within 7 days. Well, after we left we went home with a package of one generalized (non specific to us) booklet which basically contradicted what was clarified to us by [redacted] and a contract which when was signed was blank at the bottom where it stated we can cancel this agreement without penalty or obligation within 7 days. We didn't purchase anything with a deed, therefor closing costs do not apply, and we paid in full yet they sneakily put in a closing cost amount of $2,510 (where it was blank). Then when we cancelled this in less than 24 hours they not only refuse to refund the "closing cost" but they also charged us for all of our "freebies." This is a corruption at its worst.Desired Settlement: Refund.

Business

Response:

To whom it may concern,

[redacted] attended a sales presentation at our onsite office in our resort, Club Land'or, on Paradise Island in the Bahamas. After touring, the [redacted] decided that one of our programs would suit their family's vacationing needs. [redacted] The [redacted] decided to exercise their right to cancel within the 7 day timeframe, at which point a refund report was submitted by the onsite administrator, [redacted]. A refund of the purchase price, minus closing costs and benefits received, was performed on July 12, a copy of which is also attached. The [redacted] are claiming that they were unaware of the closing cost or the "freebies"; however, their signature is located on the contract, directly under the notice of cancellation as required by the Commonwealth of Virginia. This notice clearly states that, "You may cancel this agreement without penalty or obligation within seven (7) days (inclusive) from the date of this contract and receive a full refund of all payments made to Club Land'or (Nassau) Ltd. reduced by the closing costs of $2,510 and the proportion of any contract benefit received by you prior to the effective date of cancellation." The [redacted] also agreed on the Consumer Disclosure Questionnaire that they did not purchase their membership under any high pressure sales tactics, and that they also had taken the time to read and understand all of the benefits and privileges of the purchase agreement (copy attached). The [redacted] were aware of the terms and conditions of membership purchase at the time they signed the contract documents.

I would be happy to provide any further information upon request. Thank you for your time.

Sincerely,

[redacted]Land'or International

Review: Letter dates May 15th 2014. A request of the complete breakdown of the billing od $2200.00 of the items listed below.1. Maintenance fee2. Special assessment 3. Copy of contract agreement (DOS)4. Actual Name Of Establishment the contract is in There appears to be deception in the total cost of services and goodsDesired Settlement: Release from conditions including and not limited to a complete refund due to misleading representation at time of presentation.

Consumer

Response:

At this time, I have not been contacted by Land'Or regarding complaint ID [redacted].

Hello [redacted],