RCI

Along with many others, I was awarded damages in a class action lawsuit against RCI for illegal manipulation of members. I have first hand knowledge of their unfair practices. After being a member of RCI for 32 years, I will not renew my membership. The existing RCI does not represent the fair values or service of the original company with whom I contracted. This is the first time in over 30 years that I did not deposit my unit for exchange because I was planning to use it in June 2012. When I notified the property manager of my home resort that I would be on site this year, she replied that RCI had already confirmed the exchange for my unit.

I called the RCI customer service dept. and was moved laterally for several days. They finally insisted that I did deposit my week via the internet, and could not return it to me because they had confirmed an exchange. But they could find me other accommodations in the Myrtle Beach area, for an exchange fee of $189. Knowing I did not deposit my unit for the year 2012, I explained I would be on site the day of my scheduled check-in. The CSR repeatedly advised me I had forfeited my claim to my unit. Knowing I had not, I decided to appear at my home resort with deed to my unit, legal resolution of the lawsuit and an officer of the court. When I asked the CSR who did he think the county sheriff would believe, he said he would remove my unit from their inventory.

This same thing has happened with my son and various other acquaintances. I know for a fact that RCI will profit from weeks they have no rights to. My son has not used his home resort for several years, and has not been a member of RCI for two years, yet he recently learned RCI still deposited his unit to their inventory. I have other horror stories about RCI but won't fit into this small space. I advise anyone associated with RCI to seek other avenues for an enjoyable vacation. RCI has ruined my last vacation.

I had booked a resort almost two years in advance for Albuquerque, NM. Two weeks before the start of the trip, RCI called to notify us the resort was no longer in the RCI system and we had no reservation. They would to try to find another resort, but being so late, there was nothing available close to our original location. Problems are: They agreed to return my deposit, but they used my money for almost two years with no additional compensation, and only offered a credit, not cash; the exchange unit I was trading was to expire by the end of the month. Way too late to use. I was to give up a week of exchange, even though RCI had used my unit almost three years earlier; Calling the resort directly, I learned RCI ended the affiliation, not the resort. Obviously, this is something RCI had been planning for sometime, yet thought so little of its customers. We were not notified until the last minute. In fact, most were not even called, but were only mailed letters.

The resort directly offered me a week for $300. I asked RCI to offer me a $300 credit. Since they already charged me $179 for the exchange plus earned interest for two years, the cost to RCI was about $100. They refused. The net result, I am dropping out of RCI after 25 years. Our unit has a week exchange value of 32-33, the highest in their system, yet they are willing to give it up, plus my exchange fees (now $189) and my annual membership dues. Not smart management. You learn a lot about a company when they must deal with problems and spend money to correct their errors.

If you have ever tried to exchange a deposited property for one of the many properties RCI claims to have, get ready to spin your wheels forever. I deposited my gold crown unit and expected to find something comparable. I was not prepared to find nothing. I thought there was a technical problem because as I hit buttons for available units or even for reviews of resorts that came up, nothing happened.

I sent an email (to document my situation) and called. "Rebecca" told me nothing happens because nothing is available. I asked about a specific resort and was told that it's booked through 24 months in advance. Just how does she know that, I ask? Suppose someone decides to deposit a share from that resort tomorrow? How can I be notified? She says I should set up an ongoing search but I have to pay $199 upfront for that privilege, for the cost of a trade. I am already paying for a membership in RCI, apparently just to look around getting nowhere. Do not use RCI. If your timeshare location only has RCI, it's a very sad thing. I am very sad that I ever bought a timeshare in the first place!

I booked a week at the Morritt's Tortuga Club on Grand Cayman. I am required to pay for electricity, resort fees, and taxes. What did I get for the money I paid for a week at a timeshare resort? If I am paying for all these things, RCI is not paying a fair share for the money I have invested. I am actually a Wyndham owner and was informed when I made my purchase that there was a great RCI exchange option. I feel that I have been scammed.

I booked a vacation to Punta Cana through RCI using our points. After a 16-hour trip, we arrived at the resort, only to be told we were not in the system. I had a printout of the reservation with the confirmation number on it and details of our stay. They said they did not have any record of our reservation and that they had no empty rooms. They found us a place at a different resort. They told us they would have availability the next day. It was late in the evening, and RCI was closed.

The next day, we called RCI and spoke to Jack. He said he had all our info and was going to fax it to the hotel. We spoke to the hotel, and they said the fax was broken and gave us an e-mail. We called RCI back and spoke with someone with a strong accent I could not understand. His name sounded like Mouso. He was very rude and refused to e-mail anything to the hotel. He said he would fax to the front desk.

We called the hotel back (H10 Ocean Blue and Sand), and they said they did not have any rooms available. We informed them that the guest services said there were rooms. They argued with us, then we offered to pay; and all of a sudden, there was a vacant room. We were out of pocket 2 taxi trips and 5-day all-inclusive fees. This is not acceptable. When I booked this, I asked the CSR at RCI, "Is there anything I need to do besides print off my confirmation?" She said, "No, just let the resort know if you will be arriving late."

Wish I read this website before sinking $3,300 into an RCI cruise and resort stay which I am reading is a scam! I am trying to use my cruise certificates with an abrasive and defensive CSR at RCI who read my rights and informed me my certificates had expired! What?! The certificates have no expiration date on them! They want an additional $199 to reactivate the cruise certificates. So I have to pay these greedy people another $199 to use my money?! And that doesn't even include the resort vacation which I'm reading is probably a scam too! Don't buy from them unless you have read the fine print and are prepared for fighting for what is yours. You'll do better to go with a travel agent or book yourself online than wasting money with these incompetent people.

I am so upset I don't know where to start. RCI offers you the world and delivers none of it. The so-called "deal" on a cruise-resort package is a complete fraud. After spending more than $3000, I never got an upgrade on the cruise, was charged $1600 in hidden fees and given a studio for a 7-day stay in Cabo San Lucas. Imagine all the money I've spent, and studio and no meals. Please do not listen to anything they say and do not give them your money. You can plan your own vacations for less money. I have spoken with several people in RCI and Wyndham which owns them but no one will offer me anything to rectify their unethical and misleading sales. When my membership is up with RCI, I plan to move to another company.

I have been waiting 29 business days for my account to be reinstated. I have spoken to 10 customer service representatives and a supervisor and nothing has happened. I wanted to take a trip in May, but obviously, RCI does not want my money. The incompetence is unbelievable.

Every year, I attempt to book a vacation and am always told there is nothing in my area. I found out today I actually don't have enough points for the week I am looking for, even though we bank a whole week each year. I was offered to purchase a higher amount of points if I would like, but I would have to wait for them to contact me. But there is no number where I can contact them. Class action lawsuit?

RCI Company has changed policies without regard to owners - In 1981 my wife and I purchased two weeks of timeshare in Florida at a wonderful gulf front condo (Sleeps 6). When purchasing the timeshare/condo, we were told by the sales force and RCI that there were 3 options: Red, White, and Blue. If you purchased a "red" week, that was the top ranked and you could trade anywhere in the world - any time. I also bought a condo in Texas (1BR) in 2003 - white week, and I understood the consequences and trading power.

Well 2012 is here and the game plan has changed. I can no longer trade my red week anywhere because my week is now compared to a "points" value system. I'm told many different items by RCI representatives, but the most confusing is that I must pay my current year fees to my home resort and deposit 9 months in advance to get premium trading power. Well - my 2 weeks are the last 2 weeks of August and I do not get my invoice until December. So if I hustle and pay my invoice in December, I still miss the 9-month curtain. In my opinion, our contract with RCI has been voided.... there is no regard for a 30 year+ member.

I am told by RCI that they are a supply-and-demand company and that they have huge demand. Well, I would agree with them, if you have someone with a 30-point unit and they trade for two 15-point units. RCI is making exchange fees twice. Anyone with a low trading power resort must combine and pay those fees. Yesterday I was told I could combine my Florida and Texas weeks for a cost of $89... today that changed. I think that this is a real shame and there is exactly nobody to talk to about the crime that has occurred. If I bought a house 5 years ago at the peak in California where I live and I took out a mortgage with BofA, I'd still have the same terms and conditions.

RCI changed items; those members that buy now should observe 2012 rules, those of us that bought in 1980's, we were in a much different rules environment. In my opinion, the theory of "weeks" and "points" does make sense, but the "points" has failed to honor what the "red-white-blue" promise was set up to be.

On October 6th, I received an email from Petchey Leisure to say that I had cancelled our canal holiday. I called the office and they explained it was because my RCI exchange fee hadn't been paid. If they had asked at the time of booking, it would have been. However, I duly arranged payment over the phone and was told the holiday had been reinstated. On Dec. 6th, I received an email of our account statement, clearly showing the holiday had not been reinstated at all. I sent emails on Dec. 30 and Jan. 29 to query this, both of which I received confirmation of receipt (initially assigned case number ** and then confirmed by Catherine **), but no actual action.

At the beginning of March, I phoned the office and spoke to Mike **, who informed me a search for our requirements had been set up and copied me the sample confirmation. I am still waiting to date to get this holiday reinstated despite numerous emails and phone calls. While I understand that there is no availability with your own RCI units, I am disgusted that Petchey is not pulling out all the stops to provide my family with the holiday that I booked 6 months ago, and which you cancelled in error! I personally (with no urgency on your part whatsoever) have been trying to rectify for 5 months! I am not prepared to wait until the last week in May to see if any availability happens to crop up and if not, have a points compensation. We will not have a holiday at all, as by then all holidays will be fully booked (being half term week and, as it happens, the Jubilee week).

Mike has explained the company policy that another holiday with an outside supplier will not be provided and I am appalled that you are willing to let this atrocious customer service continue without providing a suitable alternative for my family to have the holiday we booked in all good faith. Your error, your responsibility to correct at whatever cost! It's basic business ethics!

RCI has become a huge ripoff. When my husband and I first bought a timeshare and joined RCI, it was good. Our place is considered high trading power. Now we cannot use it for anything. In fact, most of the all-inclusive resorts that you give them your week to try and trade for are more expensive than booking the same week at Apple or Funjet and their packages include airfare! Last year, we wanted to trade to book a Disney Cruise and the Disney official site was cheaper than RCI. We asked for a least a price match because we were giving them our week, and they would not match. We are required now to deposit our week at RCI if we want any other week besides our own at our home resort. We cannot even trade for our home resort because our deposited weeks trading power is lower than the other weeks even though it is in the same "red week" timeframe. I think it's time for a BBB complaint as well as a possible class action lawsuit. Taking our money and giving nothing in return. Nice properties being traded in and being offered horrible properties.

I called about a cruise in May 2012 and the girl told me I couldn't use my whole 87,000 points. I could only use half but told me I could use the rest for airfare so she suggested I call them to see what they had for me to get to Ft. Lauderdale, Fla. So I called them on April 1st to check out the flights. I called them and the lady, Veronica, who was helping me got so confused that she turned me over to a man named Ryan **, who was quite rude to me at first. But after being on hold off and on for about 3 or 4 hours, he became a little nicer. I told him I was booking a cruise from 5-19-12 to 5-27-12 from St. Louis to Ft. Lauderdale, Fla.

Now mind you, did anyone tell me I had to be there 2 hours before the cruise take off which was at four? No, they didn't, not until everything was booked. He gave me a flight that got me there at 2:05 which already made me 5 minutes late. So when I told the lady at the cruise line what he did, she said as long as I got there by 3:30 I would be okay. Now how can I arrive at 2:05 get off the plane, get my luggage and make it to the port by 3:30 with 3 children and a senior citizen? If I didn't make it on time, I would lose the cruise and couldn't get a refund on cruise or airfare.

So I tried for 3 days to get a hold of Mr. **. I kept calling the airfare people to help me and no one could help me. They said I had to talk with Mr. **. I finally got a hold of him on 4-6-12 and told him the flight he gave me wasn't going to get me there in time to get to the cruise line in time. He said that it wasn't his fault that it was the cruise dept's fault. So I ended up having to change my flight which got me there on the 18th instead of the 19th. He said that was the best he could do for me, so I said, "I guess I would have to take that then." He said it would cost me an additional $1,168. If I didn't accept this additional amount, I would lose the money I already paid for the cruise and airfare so I had to accept it because I didn't want to lose all the money I already paid.

What I don't understand is why they only offer you American Airlines. I know there are other airlines that are cheaper. Another thing I don't understand is why you can't speak to anyone higher up to complain about this problem and why I was being charged so much more to go in a day earlier on the same airline. I will never use RCI again and won't recommend them to anyone. This has been the worst experience and very stressful vacation I have ever had.

As a former insider at RCI, as well as a (now former) member, and (now liberated) timeshare owner, I can assure you that what you hear is true. RCI claims to not sell or buy timeshares, however, they do! They do all the marketing, cold-calling and selling of your personal and ownership info to 3rd parties, who then contact you "On RCI's behalf" to talk you into coming to lunch and buying some expensive, exciting, vacation opportunity. It was (still is) the RCI policy to deny that RCI buys and sells timeshares. Agents are even instructed not to discuss the financial matters of your ownership or how to sell your timeshare. It's actually a penalty for an agent to do so and they'll get coached by their manager should they be caught doing so.

The membership fee is high, not to mention the exchange fee (which both go up every year) and agents are handsomely rewarded for suckering you into buying 5 or even 10 years of worthless membership. Weeks members are given a make-believe number called Trading Power for your week deposits, based on the supposed Supply and Demand of the resort and week you own. You can only trade into a unit that is equal or less value than what you own. Only the real movers and shakers get the prime spots. Everyone else is just lucky or not.

Points members are probably the ones most effected by RCI's policy of confusing everyone (Including employees) about things. There is no consistency at all. One agent may find something, another agent may not find anything for your vacation. RCI outsources 70% of their calls to low-paid, unmotivated call center reps, who don't even work for RCI. Not how I'd want my vacation plans handled. Short story, pick another exchange company (not that any are much better), better yet, sell your timeshare or even give it away. You'll be better off paying for your vacations with cash. The timeshare exchange notion is all illusion.

We arrived at our resort, Wapato Point in Manson, WA, on Friday night to find that our unit, which we have deeded ownership to, had been listed in RCI's trading inventory. RCI had booked someone else into our unit. We do not belong to RCI. We did not bank or trade our unit. The resort was able to accommodate us in a comparable unit for the week, but no one at the Wapato Point or RCI would admit to making this error. We purchased this unit in 2008. RCI is still allowing the previous owners to bank our unit. RCI says they cannot stop this from happening. Our resort says the unit bookings are auto downloaded into their system from RCI, so they can't stop this either. We are going to consult with our attorney. This all **.

We had a timeshare that we couldn't use for one year, and I signed up with RCI to trade it. What a mistake! We paid a year's fee ($89) and were told that we had three years to pick a new week. I then found out that the three years was meaningless in that if you wanted a week next year, you had to pay RCI for another year of membership.

Now, they want me to pay for one more year plus a transfer fee, and it will cost up around $400 to get a week at a different resort. But all the resorts that they have will let anyone without an RCI membership rent for around $500 a week, just by showing up. This is, in my opinion, a criminal organization and I'm letting my week go. So now, I'm out the $650 annual maintenance plus my $89 to RCI. But at least I'll never deal with these crooks again.

RCI doesn't care about you after you take the membership. I've been trying to book my honeymoon with RCI since last 20 days. I've been calling them again and again for the last 20 days and they are supposed to call me back with the list of resorts that are available, but they didn't. I'm honestly frustrated and angry with RCI as they don't care about their customers. I have the names of the representatives also, if an authority at RCI would like to know. I would sincerely like a refund, but it's not in their policy. So I am angry with their services, but I can't do anything but write.

I made a reservation thru the RCI website on February 11, 2012 for April 13. On March 15, we received an email that stated the resort we had reserved no longer included breakfast and if we chose to cancel our reservation, it would be the normal cancellation policy. On March 16, we received another email from RCI in which they stated that our reservation had been cancelled. When we called, they claimed that the resort was undergoing renovations. But when I called the resort directly, they stated that no renovations were occurring.

When I queried RCI about this, they claim to have rechecked and there was a renovation of the room we had reserved. I then checked the resort via the web and it showed that there were still vacancies in the resort. RCI finally got back to me and offered another resort that was priced about 30% less than the original resort. I requested they just rent the available room in the original resort, but they declined and thereby placing the problem in our hands. I have had nothing but disappointment every time I use RCI. I am a Vacation International member and will never use RCI again as they are nothing but problems. There are few condos ever available. And even when we find something, they find a way to mess it up anyway. RCI is a disappointment and a rip-off!

I personally wasted money on buying time share in Oak N Spruce, Lee, MA years ago and regret ever since. The maintenance costs are the real murderer. RCI is another big scam promised to sell my time share and charged me $1,125. I never heard from them. They have very deceitful sales tactic. They are no better than corporate bullies and hustlers. I don't know who to turn too because there are millions like RCI cheat and charge you for selling your time share and turn their back. It's robbing from the weak and they should be brought to justice. I will and am tweeting/Facebook every day about this matter.

I tried to book my RCI vacation this year. I used my debit card online and paid my annual fee of $124.00 and a fee for $183.00 to exchange. I was sent a bill in the mail that said I owed $412.00 for a vacation that I took in 2009. Then I received another bill that said, I owed $150.00 for a previous membership fee that I had to pay. Then another bill for $248.00 that said I had to renew for two years. Then another fee of $26.00 for something else. When I called RCI, they said my debit card was declined. I contacted my bank and RCI had never attempted to take funds from my account.

I contacted them and was treated very rudely by customer service. If you can call it that. They said I had to mail them a check or they would cancel my vacation! In all, it would have been cheaper for me to have booked my own vacation. There is no way I owed all these fees, I use RCI every year. I plan on selling my timeshare after my membership expires this time, as RCI sucks! If I had another choice to book through, I would keep it. I have always had a difficult time when traveling out of the country with my reservations. I think all my fees have been paid and when I get to the resort, they hit you with more and more fees! Something needs to be done.

We have on multiple occasions, for three years, booked vacations, but the place we wanted would not be available, and the options had terrible reviews by other Points Members. We have accepted the fact that our $15,000.00 is gone! We do not intend to put more money into this "black hole"! Island Links and/or Coral Resorts has our $15,000.00 that we know we have lost. We are writing it off to a "bad investment". If you insist on pursuing the collection of $971.99, I have alerted my attorney by phone, and a copy of this email to be prepared for court action.

Hello RCI subscribing members and timeshare owners. We'd like to take this opportunity to provide some clarification and offer assistance. RCI doesn't own or operate any timeshare resorts, nor does RCI sell timeshare. Our role in the timeshare industry is to provide exchange services to vacation owners at RCI affiliated certain timeshare properties. This exchange service is designed to offer flexibility and choice to timeshare owners who opt to become RCI subscribing members.

Today, we have 3.7 million members worldwide and over 4,000 affiliated resorts in countries around the world. In addition to being the largest vacation exchange network, we are also a longstanding member of ARDA (American Resort Development Association), an organization that holds its members to strict standards in the services they offer. We're listening to your comments, and we invite you to send an email to talktous@rci.com with specific information about your particular issue so that we can best advise you. Most importantly, if any RCI member reading this site has questions about how to use their RCI membership, feel free to contact us at talktous@rci.com. Our team will be happy to address any questions you may have.

I read a large number of the posts before deciding to add our story. As some people have said, you have to keep the sales staff at the resort separate from RCI. We made the decision to purchase points through a resort in Collingwood, Ontario. We were shown a suite and advised that we should be able to receive similar suites during our travels. We were also advised that we could stay at our home resort for a discounted charge any time we wanted. This has turned out to be false.

We have used our points for one trip to Florida. I was able to make the booking online without too much of an issue. When we got to the resort, we checked into a two-bedroom suite. It was a little shabby and dated, but it would serve our purposes and so we settled in. We were asked to go on a tour, which we did. We were shown a beautifully updated suite and then they tried to sell us on ownership there. I told the manager I was not interested and pointed out that we had been led to believe the new suite was the standard for a Gold Crown resort. They indicated that these suites were reserved for the owners. However, the concept as explained to us was that we were buying access to suites an owner did not want to use!

By my calculations, a point costs us approximately $0.026. So, our seven nights in Florida cost us $975 or $139 per night. I would not consider that astronomical but neither is it a deal. So, my experience to date is that we can use the program but it won't be providing us with any great savings. As a side note, I have looked into using points for airfare, cars or cruises. But I can either get the same deal without forking over my points or the savings is not close to the cost of the points. So we will use the points for accommodations when possible and nothing else.

I booked our 50th anniversary with my family with RCI. They had a special offer; pay for 4 days and receive 3 days free with four massages in Jan. 2012. We had difficulty getting flight for 13 so we called and asked for the same deal and were offered Feb. 11 - 18, 2012. On arrival, the hotel will not honor the deal. We called and the RCI supervisor was nasty and hung up phone on us. Imagine being up at 2 am with 3 and 8 year old to travel. She surely was trained in a sewer. Instead of trying to calm the customer and resolve the issue, she hung up the phone. No one called back until 3 days later, never resolving the issue.

I saved for this family vacation for years and it cost me $20,000.00. It was sure a vacation from hell! The staffs were rude and need to be trained, especially the manager. She just stood there and said, "I am sorry. The deal is not in reservation." I worked for 35 years in handling the public and hanging up on a frustrated customer was not an option. I should have given the money to my daughter for a down payment on a home for her kids. It seems all they cater for is the wealthy, catering to all their whims and fancies. What RCI needs to do is an undercover boss episode to see what their employees are like with customers.

Just remember that we the second class citizens are the ones who make them filthy rich, because we are the ones spending their hard earned money. The rich get everything free, even though they can afford to pay for it. I can write a book on how nasty the staffs were at this resort. I've been to Mexico several times and they bend over backwards serving you. Guess where my money will be spent next vacation? I used to have a membership with RCI and never renewed because my daughter has had her membership for over ten years and you would not believe the problems she's had over the years. There are too many options available today to tolerate such rudeness. They have ruined my most special vacation with my family and nothing could bring it back!

We paid $1000 for five-day stay and found out before we were leaving that we had to pay all inclusive agreement of $2000 more. You guys suck.

I bought the cruise and resort package which they made it sound like a good deal at the time. With RCI, everything is difficult, there are fees that were not previously mentioned, the employees lie. I would never buy anything from them again. I booked a cruise date yesterday, their brochures say one thing, the person on the phone says another.

Purchased a time share from Coral Sands. We were told that we had no maintenance fees for any of our timeshares and traded in a time share for it. They took possession of a timeshare we owned and we had no idea of trading it. The price was $12,000, none of it was true. None of the people will return my calls.

Made reservations in advance for a trade show at the Worldgate resort, Kissimmee, FL. 1/19/12 -1/22/12 . Drove 7 hrs, went to check in, resort didn't get the confirmation. Called RCI, person said they would fax it there, no good, the resort was booked solid. After a 2 hour run around, GM got involved, mind you the town house they wanted us to stay in wasn't clean, single beds were not changed, same sheets from someone else, bath room was used, no clean towels, all used left on the floor. Finally got a 1 bedroom hotel room, which was for the handicap.

The room was still not clean, no AC til 2sc. The day my daughter said our confirmation came 1/21/12 to my home, hooray? The staff here acted like they were doing us a big favor, the GM, Rob ** helped ss much as he could, but my wife, myself and others we talked to at the show were so disgusted with the staff, from the front desk, to the restaurant, bar and gift shop, The people selling tickets didn't know where anything was, at the bar, we were charged on our drinks with tip included, this also got everyone *off, when we go to these shows, we all over tip because everyone wants to out do the others [big shot complex].

Overall, we have never been treated with such disrespect at any other resort we've been to. Now, to RCI pts. Called, got the same treatment no respect, finally they would give us 1 week vacation, for $249.00, plus a trans fee of $189.00 to another resort. No good, I want the 15,600 pts. put back in my account. I'm not going to pay again for their screw up .

I paid $3,000 for Cruise and a week. I booked cruise after I paid the $3,000 for the certificates. They wanted an additional $2,000 for the Cruise for the time period we wanted. They said the $2,000 had to be paid in full 90 days prior to the cruise. When I recently called to pay the balance, they told me the cruise was cancelled even though they gave me confirmation numbers for my 2 cabins. They said someone called my house asking for a deposit. I never spoke to anyone from RCI. I did not receive any email or mail correspondence stating that they cancelled my reservation. They want me to pay $398 to reinstate 2 certificates and an additional $200 to get the cabins back that they cancelled. This is ridiculous, someone please help. How do I file a lawsuit?

We were scammed! We were first invited to a free meal and had a presentation about moving our weeks into points. So, we paid a fee and thought that our now weeks were permanently moved into points with RCI. What they did not tell us is that it is good only for a year. The following year, we would have to pay again to move it into points. We feel that we were scammed. I have learned that if you have to decide now, do not do it! That is a pressure sell, so you cannot think it through. No matter how good an offer they make you, do not do it! When we called them, all they said is "sorry that is how it is". If you cannot go home and think about it, then they are scamming you.