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Something similar happened to us with Sol Melia. Story of deception fabricated by a Melia staff. We stopped paying the membership, but we lost $7500. I think that you should dispute it with the credit reporting agencies. I am not a credit counselor, but circumstances like a scam must be easy to remove. I created a web site just to report our Melia scam experience, please visit [url=http://www.meliavacationclub.us] Melia Scam[/url] for more details.