In 2008 we were co-erced into purchasing a timeshare in Cyprus. We had no intention of using the timeshare property and were more attracted by the 'massive discounts' on Expedia hotel bookings that we were verbally promised. We swopped our Timeshare for a couple of trips via Interval International and soon realised that the 'luxury' we were promised was not there and equally neither were the discounts on expedia - 1-2p in most cases. We tried to contact the seller but they never replied. We therefore contacted Barclays Partner Finance as they held the loan and were jointly liably under the Consumer Credit Act. They took a whole 2 weeks to decide that we had not been mis-sold anything. we contacted Sandy Grey as the Timeshare Consumer Association and we placed a complaint with the Financial Ombudsman. This was 2 years after original purchase, as it took us a while of use to realise what we got were not getting what we believed it should be. To this date we have provided an awful amount of information to the FOS however they are leading us to believe that because we have nothing definative to indicate that CALSC (who sold the TS) promised luxury and as we HAVE seen savings on hotel bookings be they only 1p - legally those are still savings. we find ourselves at square 1. I do not want to involve a solicitor if I cannot win this case. The TS Company were very careful not to leave us anything in writing which we were verbally told and as such its our word against theirs (I wish I had recorded the meeting) do I just stump up the £10k and put it down to a bad decision or do I fight this? and if I ignore it, hw fat will BPF take it? (we have already been threatened with bailiffs) I would also point out that the Timeshare Consumer Association TATOC state "Taking legal action against a credit company if the Financial Ombudsman has found in their favour is unlikely to be successful" Does no one have any advice on this issue? I was hoping for some experienced responses, or is it too difficult a situation? Any thoughts welcome Thanks