Deferring is great, but eventually they will be paid. Just as with MVC expenses. It is somewhat clear you were not aware of all the details of an ownership, it is too bad you were not on TUG during that time. That you don't feel like an owner is already a misunderstanding of what you purchased. You ARE an owner. And you are able to participate in annual owners association meetings. All the terms were in your original contract. If you made a mistake as you think you have, you are correct, for such a massive amount of money as you said you spent, you certainly should have done way more due diligence. Just as you might for a used house purchase, surely you don't just say gee I like that house? But you are indeed learning the hard way and I am sorry to hear that, I am sure it's very stressful and the like. You should take the time and review a typical resorts fees and what they go to. Mine has around 30 itemized line items (guessing didn't count). All of those go into the MF as an owner. Used or not. It's not the same as a prepaid vacation. Your best bet at this point is to learn a lot more, read the stickies, documents, etc to better understand what you purchased and how to get the most out of it.
Believe me when I say this, there are the vast majority of owners who have a simplistic view and MAY get their moneys worth, and then there are a lot of Tug users who are able to maximize the value and come out way ahead. You can choose to be either. I hope things improve for you.
And definitely, sales executives are not the most admired people on Tug. The saying here is when their lips are moving, they're lying. There'a a reason we have that saying sadly. And that applies to any timeshare that is discussed in any of the forums. So, I do understand how you can think one thing but have a different reality as far as what you have.
