Hi Two years ago on our honeymoon we were coned into a time share situation with a company called United Vacation Club. We paid a deposit of approx. 3000 USD when we arrived back home tried to cancel the agreement not knowing that the cooling off period was a very short 5 days I was made redundant on my return and have asked the company to terminate the agreement. This week I have received an email saying that they are going to place the debt in the hands of a collection agency in the USA. Any advice please.