Hi James and Daniel,
I have a very similar case, except that I bought my timeshare in 2008. I have paid off my loan within a few years; however, two of my payments were never credited to my account. I received numerous calls from Concord in 2011. Even after I provided proof of payments (cashed checks) and other evidence, Krystal still could not verify my payment. After several months of collecting call harassment, Concord sent me a letter in September informing me that they will stop collection efforts while attempting to verify my debt. I haven’t heard from them since then, and have no idea whether the two payments were located. Regarding the maintenance fee, I was also told at the purchase time that the fee is due only if I use the timeshare. Even though I never used it, I did receive a bill in late 2009 for the 2010 maintenance fee via email, which I paid on time. This is the only maintenance fee bill I have ever received. Since then, I haven’t received any bill statement from Krystal or Concord. I am not sure whether I should contact them regarding the status of my account. I was wondering if and how your cases have been resolved and whether you are still responsible for the maintenance fee even if you don’t use the timeshare. I would greatly appreciate your help and advice, as well as suggestions from others who might have similar experiences. Thanks.