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I think you were treated the same way we were. You were told you could chose to either stay at TMC or receive points to book at another resort through RCI. This is bait and switch because you were only sold RCI points and no access to TMC except through RCI. We stopped paying our dues because we were defrauded. Nothing has happened to us. Our credit rating will not be affected as TMC is under investigation by the NYAG.