I bought a timeshare in Malta which had a 25 year ‘contract’ which was fine. But in Jan 2012, I was offered free holiday in Tenerife, only condition being that I would attend a presentation I was not allowed to take my friend in with me and the culmination was that I ended up paying £3400 to exchange to a point system. I later discovered that this contract was in perpetuity, and I have never used it during the last 9 years due to severe mental health issues . My son has used it once . We are paying out money for something we don’t use. What can I do?

I still owe money on my time share but can’t afford it. They won’t let me out of my contract