If you are outside the rescission period, you don't want to be stuck with this dog. You need to upgrade. Once those bonus points are gone, you'll be left with a points-poor package.
As I see it, you have three upgrade options:
1 - Ask HGVC to take it back... They'll offer pennies on the dollar. You'll lose your shirt, but then you can buy another TS, resale.
2 - Attend a presentation or contact Sales about exchanging... They'll offer to take-it-back for what you paid in exchange for a new retail purchase from them. You'll pay thru the nose for the new one, but some of us here have done that.
3 - Use a reputable HGVC broker to buy and sell, like Seth Nock (
www.sellingtimeshares.net) or Judi Kozlowski (
www.judikoz.com). Your TS will be difficult to unload, but they'll work with you on it.
Make that four options (ref: MontyPython):
In addition to the three options above, you could keep what you have and buy another E-O-Y unit to fill in blank years. You'd have two MF's, but only one per year. One of the above brokers can help you buy the other unit, resale.
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