The Timeshare Time Bomb BBC Scotland Investigates


The Timeshare Time Bomb

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They seemed to offer a lifetime of holidays without hassle.

:00:12.:00:15.

The chance to have your own bit of the sun forever.

:00:16.:00:18.

And Britain s sun seekers snapped them up.

:00:19.:00:23.

More than 600,000 of us have bought time-shares.

:00:24.:00:26.

But what happens when you've had enough of your holiday hideaway?

:00:27.:00:35.

I'm now 76 and I m getting too old for this nonsense any more.

:00:36.:00:39.

Many ageing owners are now struggling to sell

:00:40.:00:41.

A lot of these historic contracts are weighed quite heavily in favour

:00:42.:00:48.

of the time-share companies with no get-out for the consumer.

:00:49.:00:51.

Tonight, we ll reveal the methods of one company offering to help

:00:52.:00:58.

you would buy my mum's time-share from her.

:00:59.:01:04.

What, to write you a cheque now?

:01:05.:01:07.

I'm a financial journalist with an interest in how people

:01:08.:01:37.

save money, make money, and look after their money.

:01:38.:01:39.

And I help people understand their consumer rights.

:01:40.:01:47.

That'll impact people who do not go on holiday.

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Much of the work I do involves helping people save and plan

:01:52.:01:54.

Because old age brings many challenges, and it s hard

:01:55.:01:57.

And I ve become aware of a growing issue among our

:01:58.:02:01.

I first got interested in the whole time-share idea

:02:02.:02:09.

about 20 to 25 years ago, when I was invited to a couple

:02:10.:02:12.

I was told would give me access to a free holiday.

:02:13.:02:16.

And the time-share sales tactics that were used in those days

:02:17.:02:19.

But what s'become apparent now is that it s very, very,

:02:20.:02:26.

People took the chance to buy guaranteed weeks in resorts all over

:02:27.:02:38.

Europe and back here in the UK. They could stay in the same place

:02:39.:02:41.

every year, or join holiday clubs, swapping their accommodation

:02:42.:02:43.

They accrued points and bonuses to help with holidays.

:02:44.:02:50.

It was a huge business, and Brits were the biggest buyers.

:02:51.:02:57.

For a while, this was the future for many of Britain s holiday-makers.

:02:58.:03:05.

The company selling the time-share arrangements offer one, two, three

:03:06.:03:13.

bedroom apartments, fully serviced. You can buy weeks together or

:03:14.:03:17.

staggered, choosing dates to suit yourself.

:03:18.:03:20.

Time-shares came to occupy a big place in the British

:03:21.:03:22.

Well, I think there s an aspirational element for people

:03:23.:03:30.

that are able to buy into a property that they would never be able

:03:31.:03:34.

to afford and it also has all those facilities associated with it,

:03:35.:03:36.

There s also people that like to know what they re

:03:37.:03:42.

going to get every year so if you know you ve got a week

:03:43.:03:45.

in Madrid for example every year then you know what you re getting,

:03:46.:03:48.

it's predictable 'or you, you know what you re working with.

:03:49.:03:52.

And I think it s those types of people that really like that

:03:53.:03:55.

But there was always a dark side to the time-share boom.

:03:56.:04:13.

If you don't know wh't time-share is by now, you haven t been

:04:14.:04:16.

reading your newspapers or opening your post recently.

:04:17.:04:19.

Hundreds of you have protested to us about the way time-share has been

:04:20.:04:22.

sold with so called free gifts, competition prizes

:04:23.:04:24.

Surely the most despicable form of this is to old people who cannot

:04:25.:04:37.

afford the cost. As holidays abroad became more

:04:38.:04:40.

affordable, and more and more people flocked to the sun,

:04:41.:04:43.

thousands of them encountered Their stories usually

:04:44.:04:44.

followed the same pattern. I spoke to a business colleague

:04:45.:04:47.

who fell for the patter. We got approached by a person just

:04:48.:04:50.

walking along the beach, saying that we could enter a prize

:04:51.:04:53.

draw and you ve probably heard We didn't know at that time

:04:54.:04:56.

it was a time-share. They didn't say anything,

:04:57.:05:03.

they just said you know you could win a meal or something

:05:04.:05:06.

if you enter this competition and the competition was so easy that

:05:07.:05:09.

everyone s going to win, When did you actually realise

:05:10.:05:11.

it was a time-share presentation At that time it was really

:05:12.:05:15.

when we sat down with a sales person and the first question they asked

:05:16.:05:24.

was where would you like to go, what is your dream holiday,

:05:25.:05:27.

and that s when I thought, there s a catch here.

:05:28.:05:32.

The greed factor comes in to a certain extent,

:05:33.:05:34.

because they say if you come along we'll give you a voucher up to ?300,

:05:35.:05:38.

or we ll give you a television, portable television, so you think,

:05:39.:05:45.

that sounds very good, I'm only going along for an hour,

:05:46.:05:49.

but that hour takes three Alistair, ' ve known you for a long

:05:50.:05:52.

time and I ve always considered Do you think you were duped

:05:53.:05:56.

by these people? Salesman are the easiest people

:05:57.:06:01.

to sell to and and at that time I would say that I got taken

:06:02.:06:05.

in and if I d known then what I know now I would have,

:06:06.:06:09.

I would have said no. Alastair spent years trying

:06:10.:06:16.

to sell his time-share. But like many others,

:06:17.:06:20.

he s come up against a problem. For every one person that

:06:21.:06:23.

wants to buy a time-share there are something like 400 people

:06:24.:06:26.

that want to get out of that contract now that they re realised

:06:27.:06:30.

that it actually wasn t for them. of the Ochil Hills,

:06:31.:06:37.

the home of retired couple They raised three children,

:06:38.:06:45.

and time-share seemed like a good They have two weeks in Spain through

:06:46.:06:53.

Scottish-owned Macdonald Resorts. And two weeks in Portugal

:06:54.:06:57.

through the MGM Muthu group. But after many years of happy

:06:58.:07:01.

holidays, they re increasingly I had great difficulty getting

:07:02.:07:03.

health insurance and I need to get health insurance because I had

:07:04.:07:17.

a cerebral haemorrhage And about ten months after that

:07:18.:07:19.

as a result of the cerebral And at the moment I m

:07:20.:07:25.

in a dreadful state of health. I can hardly walk

:07:26.:07:31.

because of disc trouble. And it s recurrent, I ve had it two

:07:32.:07:34.

or three times where I ve been They're paying more

:07:35.:07:37.

than ?1,600 every year in maintenance fees,

:07:38.:07:49.

with little chance of further They've been trying to get

:07:50.:07:51.

out of their contracts. And in 2014, they believed they had

:07:52.:07:58.

a way out when Macdonald Resorts, who manage their Spanish

:07:59.:08:02.

time-shares, got in contact. I got an uninvited letter

:08:03.:08:05.

from them and in it it said, we're aware that a lot of people

:08:06.:08:11.

want to relinquish That's the words

:08:12.:08:14.

they used, relinquish. And they said we have been looking

:08:15.:08:21.

at this, our committee s been looking at this,

:08:22.:08:24.

and we have decided to offer I got a letter six weeks or maybe

:08:25.:08:26.

a couple of months later saying that since there was no general agreement

:08:27.:08:34.

about relinquishing, In other words all this,

:08:35.:08:37.

I couldn t get out at all. What's your plan now,

:08:38.:08:45.

have you tried any other way to get Oh now the latest thing was,

:08:46.:08:48.

which was quite recent, we got a letter saying

:08:49.:08:56.

we could buy ourselves out. We could pay them

:08:57.:08:58.

to take it from us. I don t think so.

:08:59.:09:06.

Over ?3,000 for the two weeks. For the two weeks, and they wanted

:09:07.:09:10.

to take it off my hands You know the thing's absurd.

:09:11.:09:15.

So to get out of their contract with Macdonald Resorts,

:09:16.:09:21.

the Byrnes would have to pay We asked the company whether this

:09:22.:09:23.

was fair, given the There are so many owners

:09:24.:09:27.

trying to get out of their time-share contracts that

:09:28.:10:32.

pressure has mounted on the resort developers to come up

:10:33.:10:35.

with a response. Among the many organisations

:10:36.:10:37.

which speak for the time-share industry is the RDO ?

:10:38.:10:39.

the Resort Developers Organisation. Essentially if you're in ill

:10:40.:10:43.

health and can t travel, if one partner dies,

:10:44.:10:46.

and the other partner doesn t want the time-share any more,

:10:47.:10:49.

or the children don t want it, if there's personal bankruptcy,

:10:50.:10:52.

these are all reasons A large number, a number

:10:53.:10:54.

of our major developers allow surrender without any conditions

:10:55.:11:00.

whatsoever as long as the fees are paid up, the maintenance fees

:11:01.:11:02.

are paid up to date. Some developers charge a fee

:11:03.:11:05.

for doing it but again you can do it at any time you want and also some

:11:06.:11:09.

developers have an age level whereby if you get to that age you can

:11:10.:11:12.

surrender straightaway. But it s clear from what we ve

:11:13.:11:16.

learned that people still have trouble getting out

:11:17.:11:19.

of their contracts. And that leads them

:11:20.:11:20.

to find other ways OK, so imagine you're

:11:21.:11:22.

an ordinary punter looking to sell your time-share,

:11:23.:11:28.

for whatever reason. You go on line, type

:11:29.:11:31.

in I want to sell my Lots of different companies

:11:32.:11:34.

offering advice and help. So it looks as though the choice

:11:35.:11:41.

is good if you re looking to get rid of those holiday weeks that you're

:11:42.:11:45.

not using any more. quickly, we started finding stories

:11:46.:11:48.

and complaints online about people We travelled to Manchester to meet

:11:49.:11:54.

a lawyer who specialises and it s becoming more and more

:11:55.:12:00.

of a problem actually, clients are not coming

:12:01.:12:07.

direct to me very often, ironically they are not coming

:12:08.:12:09.

to the solicitor, your usual source of legal advice,

:12:10.:12:12.

they come to you after they ve gone to some other company

:12:13.:12:14.

to sell their time-share, to dispose of it in some other way

:12:15.:12:16.

and they end up signing some other contract and by the time they come

:12:17.:12:20.

to see me they ve got two problems, they've got the original time-share

:12:21.:12:23.

which they are not out of and which they haven't disposed

:12:24.:12:26.

of and they ve got a second contract which they have spent a lot

:12:27.:12:29.

of money with and which very The traditional way they go

:12:30.:12:32.

about it is they ll phone you up, or they will advertise

:12:33.:12:36.

and what they ll do is they ll say, great opportunity, I can

:12:37.:12:38.

sell your time-share or I can Or I can get rid of it

:12:39.:12:40.

in some way for you. Some of them will even for example

:12:41.:12:45.

give you a valuation on the phone, they'll say, I ve got some great

:12:46.:12:48.

news for you that resort, that time-share with that

:12:49.:12:51.

resort is worth 20,000. Now for the person who picks

:12:52.:12:53.

the phone up that s the best news they've ever heard c's of course

:12:54.:12:56.

for years they haven t been able to get rid of it let alone get any

:12:57.:12:59.

money back and what happens is they then go to a meeting,

:13:00.:13:02.

and they tell you that if you buy their product you're out

:13:03.:13:05.

of the time-share and importantly you re out of this

:13:06.:13:08.

maintenance fee problem. The only reason anybody enters

:13:09.:13:16.

into this contract is to get But you haven t, you're

:13:17.:13:18.

still in the time-share you re We'd uncovered a number

:13:19.:13:22.

of complaints about one company in particular,

:13:23.:13:26.

and got hold of one It made for interesting reading.

:13:27.:13:28.

This is a fascinating brochure. The company s actually

:13:29.:13:31.

called sellmytimeshare.tv. But of the four options they list

:13:32.:13:32.

here, only one of them actually involves them getting rid

:13:33.:13:36.

of the time-share for you. The other three options include

:13:37.:13:38.

upgrading, exchanging or trading in for another time-share or

:13:39.:13:41.

holiday product. Fascinating.

:13:42.:13:44.

We decided to phone them I used my own name, and pretended

:13:45.:13:45.

to be looking to sell a fictitious time-share in Florida,

:13:46.:13:50.

which I said was owned Hello there, I wonder if you can

:13:51.:13:52.

help me, please? I am looking at your advert online

:13:53.:13:59.

at the moment and I m trying to help my mother with a time-share

:14:00.:14:02.

she s got that she wants to sell. Can you kind of give me a bit

:14:03.:14:06.

of advice and talk me through how it Having given some

:14:07.:14:09.

details to the person who answered the call,

:14:10.:14:14.

I was put through to an advisor. To protect the privacy

:14:15.:14:17.

of the advisor, her words advisory service for

:14:18.:14:20.

the time-share industry. So we re not linked or affiliated

:14:21.:14:32.

to any resorts or points, which means we can give legal advice

:14:33.:14:36.

and help people that are looking to come out of their

:14:37.:14:39.

time-share ownership. What we do first of all is,

:14:40.:14:43.

so we re not wasting anybody s time, take a few details of the ownership

:14:44.:14:48.

and put them through our system to our senior consultants

:14:49.:14:52.

because they re the ones that will exit people out

:14:53.:14:56.

of the ownership, so they re the ones that have to say

:14:57.:15:00.

whether it is one that they can assist with cos they have

:15:01.:15:03.

to abide by the legislation. I told the company that I have power

:15:04.:15:06.

of attorney over my mum s affairs, and that she is keen to get money

:15:07.:15:09.

back on her time-share, I was told that they could provide

:15:10.:15:12.

us with a valuation. But I wanted to check something

:15:13.:15:18.

first. to sell this time-share for me

:15:19.:15:20.

or for my mum or will you be trying to sell her some other type

:15:21.:15:26.

of time-share instead if you take Right, we don t sell time-share

:15:27.:15:29.

so she s not going to be buying another time-share

:15:30.:15:33.

through our company. We're not a time-share company

:15:34.:15:38.

we re an advisory service But you're selling holidays,

:15:39.:15:40.

try and sell her a holiday? No, no we don t sell any time-share

:15:41.:15:46.

products so she won t be buying a holiday,

:15:47.:15:50.

she won t be buying any time-share. So you haven't got

:15:51.:15:53.

the worry of that. Though there are some companies that

:15:54.:15:55.

would come over to Spain or whatever and they will try and do

:15:56.:16:04.

a promotional where she s got They'll say they l' get her out

:16:05.:16:07.

of it but all they ll do is try and sell her something else,

:16:08.:16:13.

we don t work like that, we do get her out of the time-share

:16:14.:16:16.

so she s not got that maintenance Which all sounds great, but by this

:16:17.:16:31.

point we had found out that sellmytimeshare.tv and the parent

:16:32.:16:34.

company Monster Travel are under serious scrutiny. We had recently

:16:35.:16:39.

written to Monster Travel SLU in Tenerife and I have 250 or so

:16:40.:16:43.

clients have what they are alleging is that the answered in ad or to a

:16:44.:16:50.

cold call from a company that promised to sell their time-share

:16:51.:16:53.

and when he went to a meeting that was not what was going to happen at

:16:54.:16:57.

the hat to buy a product, and they were promised there would be

:16:58.:17:01.

financial return. These clients said that is what they were told in the

:17:02.:17:06.

meetings and the financial returns never materialised, and the

:17:07.:17:13.

time-shares in many cases, they still had to pay the maintenance

:17:14.:17:19.

fees. We found someone who had dealt with sellmytimeshare.tv, she is in

:17:20.:17:24.

her 70s and recently bereaved. Our resort said they would not take the

:17:25.:17:27.

time-share back or sell it for her. Desperate, she saw a newspaper

:17:28.:17:32.

advert for sellmytimeshare.tv. She has asked to remain anonymous. I did

:17:33.:17:38.

not realise to be perfectly honest with you that there were so many

:17:39.:17:42.

countries involved with this. They were certainly very persuasive. It

:17:43.:17:47.

will be the would sell my time sure for roughly, I would put a valuation

:17:48.:17:53.

on it of around 14 the half thousand. They were quite persuasive

:17:54.:17:58.

at that time and I decided that I could not get a contract from

:17:59.:18:01.

someone unless I paid the money for the solicitors, and they wanted to

:18:02.:18:07.

and half thousand initially. I said I don't have that much. So they said

:18:08.:18:14.

1000. Then they told me I could get it back if I did not want to do it

:18:15.:18:18.

within 14 days and that is exactly what I did. A few days after I spoke

:18:19.:18:24.

within 14 days and that is exactly to him on the phone,

:18:25.:18:26.

sellmytimeshare.tv came back with a value for what they called the

:18:27.:18:29.

direct purchase of the time-share I said my mother wanted to sell. Your

:18:30.:18:36.

valuation has come back in. It has come back and had a total price for

:18:37.:18:44.

the two weeks at 9400. OK, right. How does that sound? To be honest I

:18:45.:18:49.

think that sounds they do better than I was expecting. Good. The 9400

:18:50.:18:57.

is after all legal fees and expenses have been taken into account. So

:18:58.:18:59.

is after all legal fees and expenses would give my mum a cheque for

:19:00.:19:05.

?9,400? That is the valuation, yes. That would change. If you accept

:19:06.:19:12.

that valuation it is logged in. You heard that. I asked directly. Would

:19:13.:19:20.

you give my mum a cheque for ?9,004? He replied, that is the valuation on

:19:21.:19:24.

it, yes, neighbours and 400. That sounded like a good deal. They

:19:25.:19:30.

offered us an appointment in Stratford-upon-Avon and said they

:19:31.:19:36.

would provide a hotel room. I was charged ?199 for what they said were

:19:37.:19:41.

administration costs. But I had already spoken to a lawyer who had

:19:42.:19:46.

about this. It cannot take money upfront any longer. It can only seek

:19:47.:19:51.

payment once there has been a sale of the time-share. Navigating away

:19:52.:19:56.

from it because they say it is to pay for accommodation or something?

:19:57.:19:59.

You'll might be probably say it is a marketing fee or administration fee.

:20:00.:20:04.

I paid up and armed with hidden cameras I went to the meeting.

:20:05.:20:08.

Remember, they believed I was looking to sell my mother 's

:20:09.:20:12.

time-share apartment. They have promised not to try and sell me

:20:13.:20:14.

time-shares are other holiday products. Good to meet you. Good,

:20:15.:20:22.

take a seat. The working to let me know I was lucky to be there. You

:20:23.:20:32.

were lucky. This difficult. Really? Then came some interesting legal

:20:33.:20:36.

business. I will go through everything with you. The only thing

:20:37.:20:39.

I need to do is this, this is a disclosure. That all the information

:20:40.:20:46.

you give me and the information I give you is kept between us. It has

:20:47.:20:52.

taken a long time for this company to get where they are and a lot of

:20:53.:20:57.

work and money, and how we deal with clients and how we deal with the

:20:58.:21:01.

time-share with our lawyers and barristers, we make sure that no one

:21:02.:21:07.

goes away from here and start spreading, quite often not what

:21:08.:21:12.

we're talking about, it is like Chinese whispers. I was surprised by

:21:13.:21:17.

this. And there was disappointment, she showed me how cheaply people

:21:18.:21:19.

were selling the old time-shares for. I could buy that for ?10? You

:21:20.:21:27.

could buy that for ?10. Then you end up in the contract, maintenance

:21:28.:21:31.

costs, and nowadays Uganda's random. You don't even need to own them to

:21:32.:21:34.

be able to go to resorts. Just read them. So why are you off my mum nine

:21:35.:21:40.

at half thousand pounds for this one? That is what we can be good for

:21:41.:21:46.

you. That is not what you will pay me? Now, it says here that there is

:21:47.:21:50.

no guarantee that either of these options will be available in your

:21:51.:21:59.

case. We will give you options, of exactly how it works. I took from

:22:00.:22:02.

the phone call that you would buy my mum 's time-share from me. That is

:22:03.:22:11.

what you are checking out? Yes. Now. People come to us for advice on how

:22:12.:22:16.

time-shares work, on how to get out of the time-shares. Did he say to

:22:17.:22:20.

you that you are going to get a check when you arrived here? Now.

:22:21.:22:24.

But he said it had a guaranteed value of ?9,400. That is what we

:22:25.:22:33.

could give your mother. How do you do that? That is what I'm here to

:22:34.:22:39.

do. She suggested I pay upfront for the illegal disposal of my mum 's

:22:40.:22:43.

time-share, in return she we -- we would be given online credits for

:22:44.:22:48.

the company, that could be used for discount holidays or travel or other

:22:49.:22:57.

goods. They would -- it cynical but they do. I understand that my mum

:22:58.:23:02.

would not get... We can sell the time-share, no one buys them. We

:23:03.:23:06.

can't get that money back. So the time-share go to the lawyers and

:23:07.:23:12.

after the package you get credits. The credits U-Haul for 14 months and

:23:13.:23:20.

it will not cost you anything to hold them. So we can go any time

:23:21.:23:24.

within that 40 months and go on that site and use the credits we have? --

:23:25.:23:34.

14 months. And if we don't sell over 40 months, we have used them? You'll

:23:35.:23:37.

might be will give you some to sell and some for personal use. It is

:23:38.:23:43.

worth selling -- stopping here to look at the figures. ?6,740 was the

:23:44.:23:48.

total they wanted us to pay upfront for legal fees and other costs

:23:49.:23:52.

associated with the sale of the time-share. Then they would give us

:23:53.:23:59.

286,000 ?953,000 -- things called credits. But we could use them to

:24:00.:24:05.

buy credits -- use them to buy fighter holidays online or even

:24:06.:24:08.

vouchers in high street stores. In 14 months' time we could sell these

:24:09.:24:15.

credits for ?70,216 which magically covered the ?9,400 that we were

:24:16.:24:20.

paying for the time-share plus the ?6,740 and paying up for legal fees.

:24:21.:24:24.

If you are confused, can you imagine how I felt on the day? After three

:24:25.:24:29.

hours of this I was keen to bring the meeting to a close. I think I

:24:30.:24:34.

suppose because when I spoke to Chris on the phone she said the 9400

:24:35.:24:40.

was guaranteed, I suppose that is what she intended. But then a

:24:41.:24:42.

slightly different way than I thought. I think I need to go away,

:24:43.:24:47.

I presume I can for you next week and say we can go ahead? Week cant

:24:48.:24:57.

do this over the phone. -- we can't do this over the phone. And I would

:24:58.:25:03.

have to wait for the next available appointment? At this point I had had

:25:04.:25:08.

have to wait for the next available enough, I made my excuses and some

:25:09.:25:11.

error. The meeting has played out exactly as the solicitor said his

:25:12.:25:15.

client had described. The company had no intention of buying the

:25:16.:25:19.

time-share, he wanted money from me upfront and they promised a

:25:20.:25:22.

financial return more than one year down the line, every time Stephen

:25:23.:25:26.

Boyd's client claimed they never saw. I have to say that is one of

:25:27.:25:31.

the hardest morning I have had in a long time, I am shattered. Three

:25:32.:25:35.

hours of being talked to about the time-share we were trying to sell it

:25:36.:25:38.

was clear that they had no intention of giving my mum the ?9,400 they

:25:39.:25:43.

talked about and that I thought was a promised fee for them taking the

:25:44.:25:49.

time-share offer hands. They wanted me to pay ?6,740 today in exchange

:25:50.:25:55.

for ?17,000 14 months down the line. That is not why I thought we were

:25:56.:26:00.

here today. It would be very easy for people not quite as awfully

:26:01.:26:02.

about the things that I have been and not as involved to sign on the

:26:03.:26:07.

bottom line and not realise what they were spending. We asked the

:26:08.:26:11.

company to respond to what we have found. A company spokesman said...

:26:12.:27:05.

Let's face it, all anyone wants is a hassle-free holiday. You pack your

:27:06.:27:15.

bags and off you go. Nobody ever signed up for a time-share thinking

:27:16.:27:19.

it would become a source of anxiety and debt. I am getting too old for

:27:20.:27:27.

this nonsense. I think 75 is a reasonable time to retire from these

:27:28.:27:35.

things, these commitments. Have I got to stay until in 120 something?

:27:36.:27:40.

All of this is solvable but it takes time, effort and money. If you seek

:27:41.:27:46.

advice and are prepared to be realistic. You sign up to a contract

:27:47.:27:53.

is 20 or 30 years ago and a lot of these historic contracts are weighed

:27:54.:27:56.

heavily in favour of the time-share companies with no get out for the

:27:57.:28:04.

consumer. It is highly, highly unlikely that we are going to make

:28:05.:28:11.

money, it just doesn't happen. What have we learned at the end of all of

:28:12.:28:15.

this? The time-share industry has cleaned up its act since the early

:28:16.:28:20.

years and thousands of people are botched time-shares have a really

:28:21.:28:23.

great holidays. A lot of these people are getting an update now and

:28:24.:28:26.

we find the getting -- having trouble getting out of their

:28:27.:28:30.

contracts, which seemed to last forever. It is not impossible. You

:28:31.:28:34.

need to stay calm and talk to your resort manager and your solicitor.

:28:35.:28:40.

There is hope so be patient and make sure you take the right advice.

:28:41.:28:46.

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