We bought a vacation package approximately a year ago when we went to one of those "time share" things where we listen to what they have to sell. They "financed" the package for us. It was more of a lay-a-way than financing. That was one of two things that was unclear. When I called to book the vacation, I was told I had to pay it off. Anyhow...I think I have one or two more months worth of payments and I believe the whole thing totaled around $1,500. We have it booked for March 2014. At this point, I just want my money back. Are they required if I ask them to return the money since I haven't used it yet?