ok now im feeling a bit stressed we did do the scratchy thing and we did go to the office and listen to their speel as we are saving for a holiday next yr the cost of what we have found through travel agents and what they can offer is 2 different price ranges hence my husband thought we will join..... yes we recieved a free holiday and another 2 for 1 cruise we did feel a bit pressured as we had to have so much paid then and there has anyone joined and found it to be a ok or have we just been mislead ????? please can anyone help???