I totally pissed with Festiva Resorts. Originally, when I bought Time share with them they told me that they charge a high interest rate because they do not do credit checks and in the event someone defaults on their payment report to the credit bureau.
I now found out that they are reporting monthly to the credit bureau. I also found out that I will no longer own the property after it's being paid off because when I converted to the points system. They told me that I signed over the deed back to them when I converted to the point system, which I don't remember doing and was never told that I will no longer have a deed at the end of the payment terms. They specifically told me that nothing would change, the only thing that would be changing is that I would not be locked into the one week, I would have more flexibility.
There are more but don't have the time to write all right now.
People please be careful if and when you're buying Time Shares especially from Festiva.