Today I contracted Westgate Resort to pay 2016 HOA fee (which is exorbitant). I asked about the flyer enclosed with my statement that said I would get $1000 credit for paying HOA fees on time - which I did for 2015, and was expecting not to have to pay a maintenence (HOA) fee for 2016. I was informed that this was only if I was a member of Westgate Cruise and Travel. This is a separate service that costs thousands of dollars. --- extra fee!!!!! I asked about the remainder of a week I had scheduled for August, but only used 4 of the 7 days because of an illness. I was told that because it was a week from a previous year and because I didn't purchase vacation protection (another fee), I couldn't bank the remaining three days. Why not, I asked. I paid for it. I asked that my dissatisfaction be recorded in my file. Then, I asked about rescheduling my 2015, which I had previously scheduled, but had to cancel. I was told they would, as a one-time courtesy, waive the $150 reschedule fee if I booked the room within 2015 - but wait - not the last two weeks of the year because those were holiday weeks, else I would have to pay the $150 reschuled fee. Another fee!!!