We went to a Monarch grand vacation presentation in Scottsdale Arizona on 2-27-20010 after being informed that we were a finalist for a car raffle we signed up at the mall(yeah right). I went with an open mind and we sat with a salesperson explain points, resort locations etc. When we asked for fine print, program details, disclosures and a price of the points we were told we would get literature, fine print, disclosure etc after we signed a purchase agreement. They said this purchase was based on common sense. The only common sense thing to do at that time was to get the *** out of there!!!

My complaint is that during the sales process, we were led to believe we could take what's called getaways to any of the timeshares in the pool. The problem is that I tried to book for Sept 2008 in either CA. or NV. I was told only Palm Desert, CA is available for nightly rates. This is not an availability problem, but more of a "we don't want you to use these resorts for weekends, only week long periods" problem. However, we could go to Cape Cod if we wanted??? Hello, that's not a getaway that someone in CA can use.

As for all the free gifts. Not much good considering I have to take my kids out of school and take off work. This includes the cruise. We have to wait six months to book, but we have to use the voucher within 12 months of purchase. This means we have a 6 month window. Pretty sure this is going to put us at the start of hurricane season...

I bought in Vegas on Feb 08 and they never debited my account for the first payment on the 19th of March. Then they proceeded to tell me I was late on my payments even though they did debit my account and tried to charge me late fees. They were sending my statements to the wrong P.O. Box in the wrong town with the wrong zip code. Where they got that from I haven't a clue. Th