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Original Message:

Anyone have experience with Joyce Bent/Exotic Vacations (by Kathleen D.):

Hi- I have a Redwish posted looking for a time share in St.Martin to purchase for 2 weeks between 1-13. I have been contacted by Joyce twice and she has told me she has found what I am looking for and said:

"XXXX.XXXX plus the closing cost of $850.00. We require 50% down and the balance at closing. Please enclose the full name and address of the purchaser. A charge authorization form for the deposit is attached as we accept credit card paymnet. Following are the details on the unit. "

In reading all the advice in posts (thank you all) this to me is such a no no, and should all be take care of at closing. Any experience/advice you have to offer would be appreciated. I have also done a Google but it has not turned up to much. Thanks, Kathy