willowman - honestly if he really is considering investing in holidays, he could not do better than HPB. The initial investment does not purchase any property but is a bond on which if you leave you may or may not make a profit. The main thing is it is the basis of a point system, and this allows you and your family to use properties in uk and Europe,also some further afield like Madeira etc.
I think buildersmate has hit it on the head with the scam.
Cheers Hard@it