R.B.
Thank you so much for all your patience. I asked so many questions and you were very helpful. After our January 2016 holiday we would have recovered the lump sum we paid for the points and from January 2016 we all be having really cheap holidays at nice resorts.
We are now able to have two weeks holiday every year during schools holidays. No more excuses not to take holidays. Cannot wait to buy more points. My goal is to buy another 20,000.