Consumer complaint received 2016-12-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Lloyd & McDaniel, PLC (KY)

When we purchased the first contract from XXXX in XXXX 2013 at XXXX XXXX, SC, points were XXXX and we were promised a cruise that was to be honored by XXXX but never given. A copy of that agreement referencing the cruise is in my possession. The XXXX salesperson told us about the cruise and XXXX added bonus week, not to be used with the cruise. When XXXX Representative XXXX XXXX began talking with us on XXXX XXXX, 2013 about upgrading or purchasing ( blending ) another contract in XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, we told him right away about the free cruise and 1 week. He said that would be no problem and that we were still going to receive them. We have since phoned XXXX a couple of times in which we discussed the cruise and the weeks ' vacation. When we called to firm up the plans to take the cruise, we could n't get an answer. We left messages for him to call us but we have not had XXXX call returned. We then called XXXX XXXX and she did return our call but informed us that she could not give us any relief regarding our contract. We were told that we had gone beyond the rescission date and they were very sorry but they could n't help us. She did however tell us that she would send us an application for " hardship '' but told us that the cruise issue has been assigned to some other XXXX employee in that office to work on. 
After returning home from our vacation, XXXX of those days being completely lost at XXXX and explained hereafter, we were reviewing our documents and found that our monthly payment was going to be {$930.00}. We 're both retired and on fixed incomes. Our sales rep, XXXX XXXX, asked how much we would " feel good '' about paying per month. I told him between XXXX and five hundred dollars. The number of points that we purchased were never discussed until the signing because on that day, we were informed that a computer outage had occurred and had caused them not to be able to give us certain items of information that were critical to our signing the contract. We questioned how XXXX arrived at the number of points that were presented, and he replied that he thought that we could afford that amount. We had previously bought and paid in full for XXXX points for a total of XXXX dollars as we entered into this " deal ''. We did n't know for the majority of the work day about the number of points that XXXX was trying to get for us until computer connections had been restored late in the work day. We had been there for approximately XXXXXXXX hours, and although we were furnished a mid-morning breakfast, that began to fade into the middle of the afternoon. We were growing very tired and hungry toward the end of the day. During that extended stay, our only chance to go to XXXX XXXX ( which was supposed to have been our focus for that day ) was dashed because we were discontentedly grounded at the XXXX offices all day due to the computer system outage. I have a documented account of the extreme weather experienced that day. 
At the close of the day, XXXX brought the papers in for our signatures, and very apologetically gave us {$100.00} dollars cash for our troubles and to purchase our evening meal. On the contract, it was stated that " owner had been given a satisfactory opportunity to read this agreement. '' When they finally came to us with XXXX pages, we did not have sufficient time to comprehensively read all of the " legalese '' in the papers. They made some very condensed statements after our short perusal, and then showed us where to sign and date. By that time, we were already very tired and disheartened about missing XXXX XXXX, having had so much paperwork to digest and compounding our confused and exhausted state of mind. We were unable to read the Nevada Law regulating ownership plans, although I believe we were pointed to the signature l