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Re: Club Navigo is a rip off (by Steve M.):

You make the mistake of assuming that all of these people are fulfilling their end of the contract, and that the time share company is trying to cheat them. This is rarely the case - more often it is a payment that was not credited correctly, that can be straightened out with a phone call and a copy of the payment check. Some people are just unwilling to stand up for their rights and demand an explanation of why they are being denied use of the time share. Others are simply not paying on time, which is spelled out clearly as cause to deny usage in every contract. Or the other common cause, is thinking you are booking a hotel room, where there is always empty rooms available - in many popular resorts, they are sold out for weeks at a time. You have to be willing to plan in advance to make sure you get the stay you want.

I had 31K points to use this year, mostly from secondary marked purchases. I have already used 29K of them and see no issue with using the last 2K before they expire - but I book months in advance, not days.