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There is no reason you should be losing your points each year, as your ownership came with a membership in Interval International, as well as the Club Navigo membership. What you should do is this: Call Club Navigo member services and get the numbers you will need to create your free account with Interval. Then if you can not get a reservation at the desired resort for the week you want, you can make a reservation for a different week, and bank that reservation with Interval International. Make sure you tell the person you talk to when making the reservation, that you intend to bank it with Interval. as they have to post it on a link site for it to be banked. There is a small fee to back, but it is not much. You then log onto Interval and select the option to bank a week. The will ask for your information as to the resort and reservation number you are banking, and will check this against the information of the exchange link. They will find your reservation and bank it into your Interval account. You now have up to two years to exchange the banked week for a week at any of the comparable resorts in the Interval system, anywhere in the world. Interval will list weeks that you can exchange into even, or is some cases, fancier units that you can exchange into for an upgrade fee. You may also be able to get two or more weeks in exchange, depending on the week you bank. In this way, you do have a little more trouble and leg work to do, but you will at least be able to use your ownership. good luck.