Festiva Resorts bought out Peppertree resorts. The actual resort in Banner Ellk is a nice place, roomy, and in a pretty location. They have mini golf, a fish pond, a nice indoor pool, and hiking trails. But Festiva wants all the owners to "upgrade" to a points system and pay them about $8000 for the priviledge. Then they sign you up to pay for it at 0% interest, but neglect to tell you that it is on a credit card at 0% for 6 months and then it goes up to 14% or more. The maintenance fee goes up too. Also, it is almost impossible to get someone from customer service to talk to you. ...review »