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I am a member as well...and got nothing for all this money. I stopped paying and refuse to give them a dime. But, now on credit report and it is a mortgage. So ,hard to get a new mortgage to buy home. I looked into timeshare Exit and a scam too. For what they do you could dispute yourself. So, now I am disputing with credit agency. I also must contact attorney general in Florida. What a mess and a nightmare.