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I think that is exactly what happened. We would not have bought this if we had been aware that the maintenance fees were so high. We bought in 2008 for around $80,000 and we have not bee able to use it even one time. We have paid about $15,000 in maintenance fees and another $4500 is due January 2. If you don't pay your maintenance fees then you lose your property because PB takes it back. I wish we had never bought this. This has been a total waste of money for us . No luck renting it either. So, we have paid out about $100,000 for nothing! Marcy