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We purchased in 1991 in the Bahamas …..We were issued an annuity which promised to replay our purchase price of $10.600 after 30 years. When we approached them for payment in July, they told us we were late with four maintenance payments….dating back prior to 2012. This was a blatant lie. Royal Holiday is one of the most dishonest and corrupt time shires in the time share industry. Take a look at the internet to see how bad they really are. If you wish additional information please contact me and I will be happy to assist