History:
> Original purchase was from Epic Resorts. Property (Deed) was for 1 week at London Bridge Resort in Lake Havasu, AZ. We purchased the highest option (RED) which made the week available for the maximum amount of time during the year, and was for the largest room category in the plan. Multiple rooms and baths, sleeping accomodations for 8 to 10, I think.
> About 2001, we heard about an option to convert weeks to a point system. We converted our premium week to 15,500 points - still with Epic.
> Sometime in 2002, we got notice that Sunterra had purchased Epic, and our property/points were being managed by Sunterra and we had to pay various fees to become "Club Members" with Sunterra, and then were assesed addional fees to help cover the upgrade of Epic propeties that were neglected during bankruptcy proceedings.
> In 2003 we refinanced our main home in California, and used a part of the proceeds to pay off the original mortgage on our Sunterra property, which had been moved when we became "Club Members" from London Bridge Resorts to "Scottsdale Links Resorts" in Scottsdale, AZ. That meant that we owned the vaction property/points outright, and were then responsible only for annual maintenanace fees.
> In March 2006 we got a letter on what looks like official Sunterra letterhead stating that we owed $9,000+ and specified an account number. When we called about it, we were told that it was actually $14,000+ because of back maintenance and late fees, and that it is connected to our "Second property that we own at London Bridge Resorts". This is obviously incorrect, but they are insisting that we owe that money. The statement is dated 2006, but the "Next payment due" indicates a date in 2001 - really strange.
My questions are:
> What recourse do we have when a company has made a mistake like this with their books, and insist that we owe them money that we know that we do not owe?
> If we were to just tell them to forclose, as a way to resolve the mistake, would that go on our credit report - even though it is for a non-existent property?
> When we have talked by phone with Sunterra regarding our "real" property in Scottsdale, we have asked them about this, and they say that they do not see it in their database - and that according to their records we own just the one deed, and it has been paid in full. Could this be a scam? If so, how do we deal with it?
Thanks for your help.
> Original purchase was from Epic Resorts. Property (Deed) was for 1 week at London Bridge Resort in Lake Havasu, AZ. We purchased the highest option (RED) which made the week available for the maximum amount of time during the year, and was for the largest room category in the plan. Multiple rooms and baths, sleeping accomodations for 8 to 10, I think.
> About 2001, we heard about an option to convert weeks to a point system. We converted our premium week to 15,500 points - still with Epic.
> Sometime in 2002, we got notice that Sunterra had purchased Epic, and our property/points were being managed by Sunterra and we had to pay various fees to become "Club Members" with Sunterra, and then were assesed addional fees to help cover the upgrade of Epic propeties that were neglected during bankruptcy proceedings.
> In 2003 we refinanced our main home in California, and used a part of the proceeds to pay off the original mortgage on our Sunterra property, which had been moved when we became "Club Members" from London Bridge Resorts to "Scottsdale Links Resorts" in Scottsdale, AZ. That meant that we owned the vaction property/points outright, and were then responsible only for annual maintenanace fees.
> In March 2006 we got a letter on what looks like official Sunterra letterhead stating that we owed $9,000+ and specified an account number. When we called about it, we were told that it was actually $14,000+ because of back maintenance and late fees, and that it is connected to our "Second property that we own at London Bridge Resorts". This is obviously incorrect, but they are insisting that we owe that money. The statement is dated 2006, but the "Next payment due" indicates a date in 2001 - really strange.
My questions are:
> What recourse do we have when a company has made a mistake like this with their books, and insist that we owe them money that we know that we do not owe?
> If we were to just tell them to forclose, as a way to resolve the mistake, would that go on our credit report - even though it is for a non-existent property?
> When we have talked by phone with Sunterra regarding our "real" property in Scottsdale, we have asked them about this, and they say that they do not see it in their database - and that according to their records we own just the one deed, and it has been paid in full. Could this be a scam? If so, how do we deal with it?
Thanks for your help.
