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http://www.openvoc.eu/poi#funnyReviews
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  • We have been members for many years and are satisfied with the vacations we have been able to take on the program. However, we recently purchased additional points and the terms are OPPRESSIVE. According to the Truth in Lending Disclosure, if we paid through to the conclusion of the 10 year loan, we would pay finance charges of almost $30k on a financed amount of just under $40k for an APR if 12.26%. The Credit Sale Contract says that if we finance through Diamond, we MUST repay the loan in 120 monthly payments of $500+. It was explained to us that if the loan was not paid off within 30 days, all subsequent payments would be applied to a total 10 year stream of over $65k. So, retire the obligation within two months and you would pay over $65k to retire the under $40k loan. By my calculation, that would equate to almost $30k interest for two months for an effective interest rate of WELL OVER FOUR HUNDRED PERCENT. BUYER BEWARE! CAVEAT EMPTOR! We really need to pay this off within 30 days!
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