I have been wanting to cancel or give my 20,000 points back as we can't even rent the studio unit we were promised at the Jockey Club as they have raised the level of points to rent anything at Jockey from GeoHoliday/Sapphire Resorts at the Jockey Club........we thought. How many times can they change names? After getting hooked into this buy we paid purchase price off in 2 months so no interest (2014), but had questions and they weren't following up with the paperwork. I called numerous times. When we did get "certificate of ownership" in November it was made out wrong info. They admit to us that the salesperson lied to us and is no longer there, but still don't won't take it back for free! I think I'm going to not pay maintenance fee this year as I could rent at the Cosmopolitan for less $$$ than the MF fees on 20000 points. I don't care about my credit rating....we are too old for this BS!