1.In late June 2011, we went on a 3-day trip to Las Vegas, one of those promotions in which you have to attend a 2-hour vacation time-sharing seminar with "no obligation to purchase" and a gift card at the end for attending. 2.We attended the seminar as required on 6/28/11, told them we already had a vacation time share that we didn't fully take advantage of, and prepared to leave. 3.We were engaged into a final "exit interview" by a closing specialist named John, while waiting to receive our promised prizes for attending. 4.John tried to convince us to subscribe to their "travel network", which he claimed we could use to bank our Monarch Grand Vacations points with Interval International (or another of their affiliated services), without incurring the usual hefty annual fees. It would only require a $400 credit card down payment, and a "small monthly payment" of under $100 a month for 2 years. 5.We thought the service would be really useful, but still declined because we were wary of another financial commitment, after our foreclosure experience. 6.John "sweetened" the deal by throwing in the promise of a cruise and air voucher for 2. We told him that we always took our kids on our vacations, so after some theatric hemming and hawing, and consultation with a superior, he came back to us with a promise of cruise and air vouchers for 4, which would be sent to us within 10 days after signing. 7.We were still doubtful that they could obtain the financing for us, but completed the paperwork and signed. John wrote down his name (first name only) and personal cell number inside our travel packet/binder, and instructed us to call him to confirm receipt of the vouchers. 8.2 weeks after the trip, I called John to ask about the travel vouchers, which we never received. He acted surprised, took down our address again, and assured me that he would see that we received them ASAP. 9.In late July, I called John again. Aghast that I hadn't received the vouchers, he assured me that this time he would personally see that they went out in the next day's mail. When I told him I tried but couldn't figure out how to bank my vacation points, he assured me he would send instructions with the vouchers. 10.In late August, I called John again. He appeared mystified, but again promised that he would look into it. When reminded about the promised instructions, he suggested I call the general Vacation-To-Go help number, and a travel consultant will walk me through it. 11.I called their help number, and the representative who answered professed ignorance of any ability to bank points using their travel service, suggesting that I again contact the agent who told me this. At this point, smelling "scam", I took a close look through the travel binder, and was surprised that I didn't receive a copy of the contract terms (at least several pages). On 9/12 I called John again, received a missed callback saying he would call back (never did). 12.At this point, I got busy and stopped trying. I may have looked a couple of times for the $85-$89 they were charging every month on my credit card, but didn't find anything on either Vacation-To-Go or Casablanca Travel Network. 13.After I was issued a renewed credit card with a new expiration date, I started to receive emails from Travel-To-Go about late payments and updating my CC info, which I ignored. I found out later that their billing was cloaked under "Universal Data Services", which is why I missed them on the CC statements. 14.Starting in May 2012, I started receiving calls from Universal Data Services, trying to collect on the "missed payments". In June, I put them off for a few weeks, because I explained to a supervisor that I had received zero benefit to-date from their services, and that they were in breach of contract. I also told him I had repeatedly emailed and tried to contact them to complain/terminate the contract, but never received a reply or callback. The supervisor promised to get in touch with them, and to suspend activities in my case for 2 more weeks. 15.In June, the collection calls resumed with Universal. They told me that it was my responsibility to contact and resolve the matter with Travel-To-Go, and that it would reflect badly on my credit report if I took no action.