Originally Posted by Mr. Vker

Agreed. This is no different than buying a car. Your purchase was funded by a finance group (even if Marriott). You own the timeshare (with lean). You cannot just cancel your membership.

You can sell your membership--at a loss. You mentioned the bank wants the full amount now. Are you now in default because you didnt make payments?

Also, are you talking about Destination Club Points (timeshare points) not Marriott Reward Points. (Although you likely received MR points as an incentive.)