:00:12. > :00:15.They seemed to offer a lifetime of holidays without hassle.
:00:16. > :00:18.The chance to have your own bit of the sun forever.
:00:19. > :00:23.And Britain s sun seekers snapped them up.
:00:24. > :00:26.More than 600,000 of us have bought time-shares.
:00:27. > :00:35.But what happens when you've had enough of your holiday hideaway?
:00:36. > :00:39.I'm now 76 and I m getting too old for this nonsense any more.
:00:40. > :00:41.Many ageing owners are now struggling to sell
:00:42. > :00:48.A lot of these historic contracts are weighed quite heavily in favour
:00:49. > :00:51.of the time-share companies with no get-out for the consumer.
:00:52. > :00:58.Tonight, we ll reveal the methods of one company offering to help
:00:59. > :01:04.you would buy my mum's time-share from her.
:01:05. > :01:07.What, to write you a cheque now?
:01:08. > :01:37.I'm a financial journalist with an interest in how people
:01:38. > :01:39.save money, make money, and look after their money.
:01:40. > :01:47.And I help people understand their consumer rights.
:01:48. > :01:51.That'll impact people who do not go on holiday.
:01:52. > :01:54.Much of the work I do involves helping people save and plan
:01:55. > :01:57.Because old age brings many challenges, and it s hard
:01:58. > :02:01.And I ve become aware of a growing issue among our
:02:02. > :02:09.I first got interested in the whole time-share idea
:02:10. > :02:12.about 20 to 25 years ago, when I was invited to a couple
:02:13. > :02:16.I was told would give me access to a free holiday.
:02:17. > :02:19.And the time-share sales tactics that were used in those days
:02:20. > :02:26.But what s'become apparent now is that it s very, very,
:02:27. > :02:38.People took the chance to buy guaranteed weeks in resorts all over
:02:39. > :02:41.Europe and back here in the UK. They could stay in the same place
:02:42. > :02:43.every year, or join holiday clubs, swapping their accommodation
:02:44. > :02:50.They accrued points and bonuses to help with holidays.
:02:51. > :02:57.It was a huge business, and Brits were the biggest buyers.
:02:58. > :03:05.For a while, this was the future for many of Britain s holiday-makers.
:03:06. > :03:13.The company selling the time-share arrangements offer one, two, three
:03:14. > :03:17.bedroom apartments, fully serviced. You can buy weeks together or
:03:18. > :03:20.staggered, choosing dates to suit yourself.
:03:21. > :03:22.Time-shares came to occupy a big place in the British
:03:23. > :03:30.Well, I think there s an aspirational element for people
:03:31. > :03:34.that are able to buy into a property that they would never be able
:03:35. > :03:36.to afford and it also has all those facilities associated with it,
:03:37. > :03:42.There s also people that like to know what they re
:03:43. > :03:45.going to get every year so if you know you ve got a week
:03:46. > :03:48.in Madrid for example every year then you know what you re getting,
:03:49. > :03:52.it's predictable 'or you, you know what you re working with.
:03:53. > :03:55.And I think it s those types of people that really like that
:03:56. > :04:13.But there was always a dark side to the time-share boom.
:04:14. > :04:16.If you don't know wh't time-share is by now, you haven t been
:04:17. > :04:19.reading your newspapers or opening your post recently.
:04:20. > :04:22.Hundreds of you have protested to us about the way time-share has been
:04:23. > :04:24.sold with so called free gifts, competition prizes
:04:25. > :04:37.Surely the most despicable form of this is to old people who cannot
:04:38. > :04:40.afford the cost. As holidays abroad became more
:04:41. > :04:43.affordable, and more and more people flocked to the sun,
:04:44. > :04:44.thousands of them encountered Their stories usually
:04:45. > :04:47.followed the same pattern. I spoke to a business colleague
:04:48. > :04:50.who fell for the patter. We got approached by a person just
:04:51. > :04:53.walking along the beach, saying that we could enter a prize
:04:54. > :04:56.draw and you ve probably heard We didn't know at that time
:04:57. > :05:03.it was a time-share. They didn't say anything,
:05:04. > :05:06.they just said you know you could win a meal or something
:05:07. > :05:09.if you enter this competition and the competition was so easy that
:05:10. > :05:11.everyone s going to win, When did you actually realise
:05:12. > :05:15.it was a time-share presentation At that time it was really
:05:16. > :05:24.when we sat down with a sales person and the first question they asked
:05:25. > :05:27.was where would you like to go, what is your dream holiday,
:05:28. > :05:32.and that s when I thought, there s a catch here.
:05:33. > :05:34.The greed factor comes in to a certain extent,
:05:35. > :05:38.because they say if you come along we'll give you a voucher up to ?300,
:05:39. > :05:45.or we ll give you a television, portable television, so you think,
:05:46. > :05:49.that sounds very good, I'm only going along for an hour,
:05:50. > :05:52.but that hour takes three Alistair, ' ve known you for a long
:05:53. > :05:56.time and I ve always considered Do you think you were duped
:05:57. > :06:01.by these people? Salesman are the easiest people
:06:02. > :06:05.to sell to and and at that time I would say that I got taken
:06:06. > :06:09.in and if I d known then what I know now I would have,
:06:10. > :06:16.I would have said no. Alastair spent years trying
:06:17. > :06:20.to sell his time-share. But like many others,
:06:21. > :06:23.he s come up against a problem. For every one person that
:06:24. > :06:26.wants to buy a time-share there are something like 400 people
:06:27. > :06:30.that want to get out of that contract now that they re realised
:06:31. > :06:37.that it actually wasn t for them. of the Ochil Hills,
:06:38. > :06:45.the home of retired couple They raised three children,
:06:46. > :06:53.and time-share seemed like a good They have two weeks in Spain through
:06:54. > :06:57.Scottish-owned Macdonald Resorts. And two weeks in Portugal
:06:58. > :07:01.through the MGM Muthu group. But after many years of happy
:07:02. > :07:03.holidays, they re increasingly I had great difficulty getting
:07:04. > :07:17.health insurance and I need to get health insurance because I had
:07:18. > :07:19.a cerebral haemorrhage And about ten months after that
:07:20. > :07:25.as a result of the cerebral And at the moment I m
:07:26. > :07:31.in a dreadful state of health. I can hardly walk
:07:32. > :07:34.because of disc trouble. And it s recurrent, I ve had it two
:07:35. > :07:37.or three times where I ve been They're paying more
:07:38. > :07:49.than ?1,600 every year in maintenance fees,
:07:50. > :07:51.with little chance of further They've been trying to get
:07:52. > :07:58.out of their contracts. And in 2014, they believed they had
:07:59. > :08:02.a way out when Macdonald Resorts, who manage their Spanish
:08:03. > :08:05.time-shares, got in contact. I got an uninvited letter
:08:06. > :08:11.from them and in it it said, we're aware that a lot of people
:08:12. > :08:14.want to relinquish That's the words
:08:15. > :08:21.they used, relinquish. And they said we have been looking
:08:22. > :08:24.at this, our committee s been looking at this,
:08:25. > :08:26.and we have decided to offer I got a letter six weeks or maybe
:08:27. > :08:34.a couple of months later saying that since there was no general agreement
:08:35. > :08:37.about relinquishing, In other words all this,
:08:38. > :08:45.I couldn t get out at all. What's your plan now,
:08:46. > :08:48.have you tried any other way to get Oh now the latest thing was,
:08:49. > :08:56.which was quite recent, we got a letter saying
:08:57. > :08:58.we could buy ourselves out. We could pay them
:08:59. > :09:06.to take it from us. I don t think so.
:09:07. > :09:10.Over ?3,000 for the two weeks. For the two weeks, and they wanted
:09:11. > :09:15.to take it off my hands You know the thing's absurd.
:09:16. > :09:21.So to get out of their contract with Macdonald Resorts,
:09:22. > :09:23.the Byrnes would have to pay We asked the company whether this
:09:24. > :09:27.was fair, given the There are so many owners
:09:28. > :10:32.trying to get out of their time-share contracts that
:10:33. > :10:35.pressure has mounted on the resort developers to come up
:10:36. > :10:37.with a response. Among the many organisations
:10:38. > :10:39.which speak for the time-share industry is the RDO ?
:10:40. > :10:43.the Resort Developers Organisation. Essentially if you're in ill
:10:44. > :10:46.health and can t travel, if one partner dies,
:10:47. > :10:49.and the other partner doesn t want the time-share any more,
:10:50. > :10:52.or the children don t want it, if there's personal bankruptcy,
:10:53. > :10:54.these are all reasons A large number, a number
:10:55. > :11:00.of our major developers allow surrender without any conditions
:11:01. > :11:02.whatsoever as long as the fees are paid up, the maintenance fees
:11:03. > :11:05.are paid up to date. Some developers charge a fee
:11:06. > :11:09.for doing it but again you can do it at any time you want and also some
:11:10. > :11:12.developers have an age level whereby if you get to that age you can
:11:13. > :11:16.surrender straightaway. But it s clear from what we ve
:11:17. > :11:19.learned that people still have trouble getting out
:11:20. > :11:20.of their contracts. And that leads them
:11:21. > :11:22.to find other ways OK, so imagine you're
:11:23. > :11:28.an ordinary punter looking to sell your time-share,
:11:29. > :11:31.for whatever reason. You go on line, type
:11:32. > :11:34.in I want to sell my Lots of different companies
:11:35. > :11:41.offering advice and help. So it looks as though the choice
:11:42. > :11:45.is good if you re looking to get rid of those holiday weeks that you're
:11:46. > :11:48.not using any more. quickly, we started finding stories
:11:49. > :11:54.and complaints online about people We travelled to Manchester to meet
:11:55. > :12:00.a lawyer who specialises and it s becoming more and more
:12:01. > :12:07.of a problem actually, clients are not coming
:12:08. > :12:09.direct to me very often, ironically they are not coming
:12:10. > :12:12.to the solicitor, your usual source of legal advice,
:12:13. > :12:14.they come to you after they ve gone to some other company
:12:15. > :12:16.to sell their time-share, to dispose of it in some other way
:12:17. > :12:20.and they end up signing some other contract and by the time they come
:12:21. > :12:23.to see me they ve got two problems, they've got the original time-share
:12:24. > :12:26.which they are not out of and which they haven't disposed
:12:27. > :12:29.of and they ve got a second contract which they have spent a lot
:12:30. > :12:32.of money with and which very The traditional way they go
:12:33. > :12:36.about it is they ll phone you up, or they will advertise
:12:37. > :12:38.and what they ll do is they ll say, great opportunity, I can
:12:39. > :12:40.sell your time-share or I can Or I can get rid of it
:12:41. > :12:45.in some way for you. Some of them will even for example
:12:46. > :12:48.give you a valuation on the phone, they'll say, I ve got some great
:12:49. > :12:51.news for you that resort, that time-share with that
:12:52. > :12:53.resort is worth 20,000. Now for the person who picks
:12:54. > :12:56.the phone up that s the best news they've ever heard c's of course
:12:57. > :12:59.for years they haven t been able to get rid of it let alone get any
:13:00. > :13:02.money back and what happens is they then go to a meeting,
:13:03. > :13:05.and they tell you that if you buy their product you're out
:13:06. > :13:08.of the time-share and importantly you re out of this
:13:09. > :13:16.maintenance fee problem. The only reason anybody enters
:13:17. > :13:18.into this contract is to get But you haven t, you're
:13:19. > :13:22.still in the time-share you re We'd uncovered a number
:13:23. > :13:26.of complaints about one company in particular,
:13:27. > :13:28.and got hold of one It made for interesting reading.
:13:29. > :13:31.This is a fascinating brochure. The company s actually
:13:32. > :13:32.called sellmytimeshare.tv. But of the four options they list
:13:33. > :13:36.here, only one of them actually involves them getting rid
:13:37. > :13:38.of the time-share for you. The other three options include
:13:39. > :13:41.upgrading, exchanging or trading in for another time-share or
:13:42. > :13:44.holiday product. Fascinating.
:13:45. > :13:45.We decided to phone them I used my own name, and pretended
:13:46. > :13:50.to be looking to sell a fictitious time-share in Florida,
:13:51. > :13:52.which I said was owned Hello there, I wonder if you can
:13:53. > :13:59.help me, please? I am looking at your advert online
:14:00. > :14:02.at the moment and I m trying to help my mother with a time-share
:14:03. > :14:06.she s got that she wants to sell. Can you kind of give me a bit
:14:07. > :14:09.of advice and talk me through how it Having given some
:14:10. > :14:14.details to the person who answered the call,
:14:15. > :14:17.I was put through to an advisor. To protect the privacy
:14:18. > :14:20.of the advisor, her words advisory service for
:14:21. > :14:32.the time-share industry. So we re not linked or affiliated
:14:33. > :14:36.to any resorts or points, which means we can give legal advice
:14:37. > :14:39.and help people that are looking to come out of their
:14:40. > :14:43.time-share ownership. What we do first of all is,
:14:44. > :14:48.so we re not wasting anybody s time, take a few details of the ownership
:14:49. > :14:52.and put them through our system to our senior consultants
:14:53. > :14:56.because they re the ones that will exit people out
:14:57. > :15:00.of the ownership, so they re the ones that have to say
:15:01. > :15:03.whether it is one that they can assist with cos they have
:15:04. > :15:06.to abide by the legislation. I told the company that I have power
:15:07. > :15:09.of attorney over my mum s affairs, and that she is keen to get money
:15:10. > :15:12.back on her time-share, I was told that they could provide
:15:13. > :15:18.us with a valuation. But I wanted to check something
:15:19. > :15:20.first. to sell this time-share for me
:15:21. > :15:26.or for my mum or will you be trying to sell her some other type
:15:27. > :15:29.of time-share instead if you take Right, we don t sell time-share
:15:30. > :15:33.so she s not going to be buying another time-share
:15:34. > :15:38.through our company. We're not a time-share company
:15:39. > :15:40.we re an advisory service But you're selling holidays,
:15:41. > :15:46.try and sell her a holiday? No, no we don t sell any time-share
:15:47. > :15:50.products so she won t be buying a holiday,
:15:51. > :15:53.she won t be buying any time-share. So you haven't got
:15:54. > :15:55.the worry of that. Though there are some companies that
:15:56. > :16:04.would come over to Spain or whatever and they will try and do
:16:05. > :16:07.a promotional where she s got They'll say they l' get her out
:16:08. > :16:13.of it but all they ll do is try and sell her something else,
:16:14. > :16:16.we don t work like that, we do get her out of the time-share
:16:17. > :16:31.so she s not got that maintenance Which all sounds great, but by this
:16:32. > :16:34.point we had found out that sellmytimeshare.tv and the parent
:16:35. > :16:39.company Monster Travel are under serious scrutiny. We had recently
:16:40. > :16:43.written to Monster Travel SLU in Tenerife and I have 250 or so
:16:44. > :16:50.clients have what they are alleging is that the answered in ad or to a
:16:51. > :16:53.cold call from a company that promised to sell their time-share
:16:54. > :16:57.and when he went to a meeting that was not what was going to happen at
:16:58. > :17:01.the hat to buy a product, and they were promised there would be
:17:02. > :17:06.financial return. These clients said that is what they were told in the
:17:07. > :17:13.meetings and the financial returns never materialised, and the
:17:14. > :17:19.time-shares in many cases, they still had to pay the maintenance
:17:20. > :17:24.fees. We found someone who had dealt with sellmytimeshare.tv, she is in
:17:25. > :17:27.her 70s and recently bereaved. Our resort said they would not take the
:17:28. > :17:32.time-share back or sell it for her. Desperate, she saw a newspaper
:17:33. > :17:38.advert for sellmytimeshare.tv. She has asked to remain anonymous. I did
:17:39. > :17:42.not realise to be perfectly honest with you that there were so many
:17:43. > :17:47.countries involved with this. They were certainly very persuasive. It
:17:48. > :17:53.will be the would sell my time sure for roughly, I would put a valuation
:17:54. > :17:58.on it of around 14 the half thousand. They were quite persuasive
:17:59. > :18:01.at that time and I decided that I could not get a contract from
:18:02. > :18:07.someone unless I paid the money for the solicitors, and they wanted to
:18:08. > :18:14.and half thousand initially. I said I don't have that much. So they said
:18:15. > :18:18.1000. Then they told me I could get it back if I did not want to do it
:18:19. > :18:24.within 14 days and that is exactly what I did. A few days after I spoke
:18:25. > :18:26.within 14 days and that is exactly to him on the phone,
:18:27. > :18:29.sellmytimeshare.tv came back with a value for what they called the
:18:30. > :18:36.direct purchase of the time-share I said my mother wanted to sell. Your
:18:37. > :18:44.valuation has come back in. It has come back and had a total price for
:18:45. > :18:49.the two weeks at 9400. OK, right. How does that sound? To be honest I
:18:50. > :18:57.think that sounds they do better than I was expecting. Good. The 9400
:18:58. > :18:59.is after all legal fees and expenses have been taken into account. So
:19:00. > :19:05.is after all legal fees and expenses would give my mum a cheque for
:19:06. > :19:12.?9,400? That is the valuation, yes. That would change. If you accept
:19:13. > :19:20.that valuation it is logged in. You heard that. I asked directly. Would
:19:21. > :19:24.you give my mum a cheque for ?9,004? He replied, that is the valuation on
:19:25. > :19:30.it, yes, neighbours and 400. That sounded like a good deal. They
:19:31. > :19:36.offered us an appointment in Stratford-upon-Avon and said they
:19:37. > :19:41.would provide a hotel room. I was charged ?199 for what they said were
:19:42. > :19:46.administration costs. But I had already spoken to a lawyer who had
:19:47. > :19:51.about this. It cannot take money upfront any longer. It can only seek
:19:52. > :19:56.payment once there has been a sale of the time-share. Navigating away
:19:57. > :19:59.from it because they say it is to pay for accommodation or something?
:20:00. > :20:04.You'll might be probably say it is a marketing fee or administration fee.
:20:05. > :20:08.I paid up and armed with hidden cameras I went to the meeting.
:20:09. > :20:12.Remember, they believed I was looking to sell my mother 's
:20:13. > :20:14.time-share apartment. They have promised not to try and sell me
:20:15. > :20:22.time-shares are other holiday products. Good to meet you. Good,
:20:23. > :20:32.take a seat. The working to let me know I was lucky to be there. You
:20:33. > :20:36.were lucky. This difficult. Really? Then came some interesting legal
:20:37. > :20:39.business. I will go through everything with you. The only thing
:20:40. > :20:46.I need to do is this, this is a disclosure. That all the information
:20:47. > :20:52.you give me and the information I give you is kept between us. It has
:20:53. > :20:57.taken a long time for this company to get where they are and a lot of
:20:58. > :21:01.work and money, and how we deal with clients and how we deal with the
:21:02. > :21:07.time-share with our lawyers and barristers, we make sure that no one
:21:08. > :21:12.goes away from here and start spreading, quite often not what
:21:13. > :21:17.we're talking about, it is like Chinese whispers. I was surprised by
:21:18. > :21:19.this. And there was disappointment, she showed me how cheaply people
:21:20. > :21:27.were selling the old time-shares for. I could buy that for ?10? You
:21:28. > :21:31.could buy that for ?10. Then you end up in the contract, maintenance
:21:32. > :21:34.costs, and nowadays Uganda's random. You don't even need to own them to
:21:35. > :21:40.be able to go to resorts. Just read them. So why are you off my mum nine
:21:41. > :21:46.at half thousand pounds for this one? That is what we can be good for
:21:47. > :21:50.you. That is not what you will pay me? Now, it says here that there is
:21:51. > :21:59.no guarantee that either of these options will be available in your
:22:00. > :22:02.case. We will give you options, of exactly how it works. I took from
:22:03. > :22:11.the phone call that you would buy my mum 's time-share from me. That is
:22:12. > :22:16.what you are checking out? Yes. Now. People come to us for advice on how
:22:17. > :22:20.time-shares work, on how to get out of the time-shares. Did he say to
:22:21. > :22:24.you that you are going to get a check when you arrived here? Now.
:22:25. > :22:33.But he said it had a guaranteed value of ?9,400. That is what we
:22:34. > :22:39.could give your mother. How do you do that? That is what I'm here to
:22:40. > :22:43.do. She suggested I pay upfront for the illegal disposal of my mum 's
:22:44. > :22:48.time-share, in return she we -- we would be given online credits for
:22:49. > :22:57.the company, that could be used for discount holidays or travel or other
:22:58. > :23:02.goods. They would -- it cynical but they do. I understand that my mum
:23:03. > :23:06.would not get... We can sell the time-share, no one buys them. We
:23:07. > :23:12.can't get that money back. So the time-share go to the lawyers and
:23:13. > :23:20.after the package you get credits. The credits U-Haul for 14 months and
:23:21. > :23:24.it will not cost you anything to hold them. So we can go any time
:23:25. > :23:34.within that 40 months and go on that site and use the credits we have? --
:23:35. > :23:37.14 months. And if we don't sell over 40 months, we have used them? You'll
:23:38. > :23:43.might be will give you some to sell and some for personal use. It is
:23:44. > :23:48.worth selling -- stopping here to look at the figures. ?6,740 was the
:23:49. > :23:52.total they wanted us to pay upfront for legal fees and other costs
:23:53. > :23:59.associated with the sale of the time-share. Then they would give us
:24:00. > :24:05.286,000 ?953,000 -- things called credits. But we could use them to
:24:06. > :24:08.buy credits -- use them to buy fighter holidays online or even
:24:09. > :24:15.vouchers in high street stores. In 14 months' time we could sell these
:24:16. > :24:20.credits for ?70,216 which magically covered the ?9,400 that we were
:24:21. > :24:24.paying for the time-share plus the ?6,740 and paying up for legal fees.
:24:25. > :24:29.If you are confused, can you imagine how I felt on the day? After three
:24:30. > :24:34.hours of this I was keen to bring the meeting to a close. I think I
:24:35. > :24:40.suppose because when I spoke to Chris on the phone she said the 9400
:24:41. > :24:42.was guaranteed, I suppose that is what she intended. But then a
:24:43. > :24:47.slightly different way than I thought. I think I need to go away,
:24:48. > :24:57.I presume I can for you next week and say we can go ahead? Week cant
:24:58. > :25:03.do this over the phone. -- we can't do this over the phone. And I would
:25:04. > :25:08.have to wait for the next available appointment? At this point I had had
:25:09. > :25:11.have to wait for the next available enough, I made my excuses and some
:25:12. > :25:15.error. The meeting has played out exactly as the solicitor said his
:25:16. > :25:19.client had described. The company had no intention of buying the
:25:20. > :25:22.time-share, he wanted money from me upfront and they promised a
:25:23. > :25:26.financial return more than one year down the line, every time Stephen
:25:27. > :25:31.Boyd's client claimed they never saw. I have to say that is one of
:25:32. > :25:35.the hardest morning I have had in a long time, I am shattered. Three
:25:36. > :25:38.hours of being talked to about the time-share we were trying to sell it
:25:39. > :25:43.was clear that they had no intention of giving my mum the ?9,400 they
:25:44. > :25:49.talked about and that I thought was a promised fee for them taking the
:25:50. > :25:55.time-share offer hands. They wanted me to pay ?6,740 today in exchange
:25:56. > :26:00.for ?17,000 14 months down the line. That is not why I thought we were
:26:01. > :26:02.here today. It would be very easy for people not quite as awfully
:26:03. > :26:07.about the things that I have been and not as involved to sign on the
:26:08. > :26:11.bottom line and not realise what they were spending. We asked the
:26:12. > :27:05.company to respond to what we have found. A company spokesman said...
:27:06. > :27:15.Let's face it, all anyone wants is a hassle-free holiday. You pack your
:27:16. > :27:19.bags and off you go. Nobody ever signed up for a time-share thinking
:27:20. > :27:27.it would become a source of anxiety and debt. I am getting too old for
:27:28. > :27:35.this nonsense. I think 75 is a reasonable time to retire from these
:27:36. > :27:40.things, these commitments. Have I got to stay until in 120 something?
:27:41. > :27:46.All of this is solvable but it takes time, effort and money. If you seek
:27:47. > :27:53.advice and are prepared to be realistic. You sign up to a contract
:27:54. > :27:56.is 20 or 30 years ago and a lot of these historic contracts are weighed
:27:57. > :28:04.heavily in favour of the time-share companies with no get out for the
:28:05. > :28:11.consumer. It is highly, highly unlikely that we are going to make
:28:12. > :28:15.money, it just doesn't happen. What have we learned at the end of all of
:28:16. > :28:20.this? The time-share industry has cleaned up its act since the early
:28:21. > :28:23.years and thousands of people are botched time-shares have a really
:28:24. > :28:26.great holidays. A lot of these people are getting an update now and
:28:27. > :28:30.we find the getting -- having trouble getting out of their
:28:31. > :28:34.contracts, which seemed to last forever. It is not impossible. You
:28:35. > :28:40.need to stay calm and talk to your resort manager and your solicitor.
:28:41. > :28:46.There is hope so be patient and make sure you take the right advice.