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thedon3
04-17-2012, 05:10 PM
I have been a DVC member since 2000. I have over 700 points and have faithfully paid down my loans with no issues. This past Jan., I was late with my payments on my remianing contracts due to issues beyond my control. That being said, I got all caught up in Feb. I wanted to take advantage of the new incentatives 100 points get 120 points - made it all the way until the deal was stopped by the DVC credit, beacsue I was not current the past 12 months. I have been currrent the past 12 years excpet for 1 month. They denied my points unless I gave them full acess into my finances. I was to say the least disgusted and angry. It's amazing how they are slowley losing the human side. I called and wrote letters and all I got was we will bring it up to the higher ups. I wanted the extra points to give them to my family. They were very cold to me in my phone calls and was disapponted in that treatment, but, it is what it is
So, I remain in Disney prison, until next Feb, when my sentence is up.

Chuck S
04-17-2012, 05:35 PM
Given the current state of the economy, and the fact that Disney is handling their own credit and not bundling and selling off loans as they used to do, I don't find this surprising. Disney has historically been fairly easy to qualify loans, but at a pretty high interest rate. But they would surely look at past performance on their own loans, to do otherwise would seem irresponsible as Disney has to answer to stockholders.

arthur06
04-17-2012, 05:39 PM
Sorry to hear that.

Hope that things get adjusted. I am not sure on the policy, but our bank operates the same way. We bought a van a couple of years ago, traded in 2 vehicles worth about $12,000 in trade on a $21,000 purchase. Went back about 6 months later to ask about a loan, they said that they would have to put in on the van loan, with the van as collateral, and since we only mad 5/6 payments, they could only do about $2,000 since "that was all the equity we had in the van".

My point being, if you own most of the 700 points outright, and wanted to buy 100 more, if you default, wouldn't you be jeopardizing all 800 now?

OldGrizzly57
04-17-2012, 05:47 PM
made it all the way until the deal was stopped by the DVC credit

If your credit is good then there are lots better places to borrow money than DVC credit. If your credit is not good well... you know the rest of that one... :rolleyes:

Griz

Dean
04-17-2012, 08:25 PM
I have been a DVC member since 2000. I have over 700 points and have faithfully paid down my loans with no issues. This past Jan., I was late with my payments on my remianing contracts due to issues beyond my control. That being said, I got all caught up in Feb. I wanted to take advantage of the new incentatives 100 points get 120 points - made it all the way until the deal was stopped by the DVC credit, beacsue I was not current the past 12 months. I have been currrent the past 12 years excpet for 1 month. They denied my points unless I gave them full acess into my finances. I was to say the least disgusted and angry. It's amazing how they are slowley losing the human side. I called and wrote letters and all I got was we will bring it up to the higher ups. I wanted the extra points to give them to my family. They were very cold to me in my phone calls and was disapponted in that treatment, but, it is what it is
So, I remain in Disney prison, until next Feb, when my sentence is up.I'd have to side with the lender on this one but I also think it's a poor choice to finance such a luxury purchase. My suggestions is to make your current points work by borrowing ahead (it'd take several years before you'd be out of points using 800 a year) and in the interim save up the money. That also give you the option of resale though there is now one direct loan option for resale as well.

disneynutz
04-17-2012, 10:43 PM
Disney is a business. They can be friendly but they are not your friend.

:earsboy: Bill

k3chantal
04-17-2012, 11:25 PM
It bothers me that your title is 'DVC Tarnished Image'.

I really have to side with Disney. DVC needs to make good financial choices or we all pay more. They are actually trying to keep their image untarnished.

Whatever the reason you were late one month, it makes them wary. I respect them that they are protecting all of us by having a high standard to give financing out.

Lynne M
04-17-2012, 11:59 PM
Disney is protecting themselves. Like all lenders, they've tightened up their requirements for extending credit, and anything that implies risk to them, such as a history of falling behind on payments, means they're not going to make the loan. It's not personal, and it doesn't mean that Disney's reputation is tarnished. They're just doing what they need to do to protect their investments.

thedon3
04-18-2012, 01:57 AM
1) Thank You for your responses
2) I have excellent credit but, it is such a small amount it helps with tax deductions
3) So according to some of you, if you make a mistake in 12 years, you forever banished
4) DVC is a business, that is correct, they must protect there stock holders and the members. Excellent statement
5) I would not consider the purchase of a DVC Points as luxury, luxury would be owning at the Ritz.
6) I will not change my mind about DVC Being Tarnished - that my opinion
7) Great discussion
Thanks
Bobby

fmer55
04-18-2012, 06:34 AM
If your credit is good then there are lots better places to borrow money than DVC credit. If your credit is not good well... you know the rest of that one... :rolleyes:

Griz

This is something that drives me crazy lately. Money is so unbelievably cheap right now i don't know how anyone would pay 11% for a luxury purchase such as DVC. I am not saying you should have the money to buy outright but geez, if you want to own DVC i think you should be able to find financing through your own, bank, credit union, pension loan...somewhere, anywhere that is lower than 11%......End of financial rant!:stir:

fmer55
04-18-2012, 06:43 AM
1) Thank You for your responses
2) I have excellent credit but, it is such a small amount it helps with tax deductions
3) So according to some of you, if you make a mistake in 12 years, you forever banished
4) DVC is a business, that is correct, they must protect there stock holders and the members. Excellent statement
5) I would not consider the purchase of a DVC Points as luxury, luxury would be owning at the Ritz.
6) I will not change my mind about DVC Being Tarnished - that my opinion
7) Great discussion
Thanks
Bobby

I would like to respond to each if i may

1. your welcome;)
2. do you own a home? why not a small heloc or home equity loan, that is surely a write off.:teacher:
3. you did not make a mistake in 12 years, you made 1 in 12 months and you are only banished until next feb:sad:
4. precisely
5. part of the luxury is the simple ability to get access to rooms noone else can....and have you stayed in a value lately?:p

fmer55
04-18-2012, 06:46 AM
1) Thank You for your responses
2) I have excellent credit but, it is such a small amount it helps with tax deductions
3) So according to some of you, if you make a mistake in 12 years, you forever banished
4) DVC is a business, that is correct, they must protect there stock holders and the members. Excellent statement
5) I would not consider the purchase of a DVC Points as luxury, luxury would be owning at the Ritz.
6) I will not change my mind about DVC Being Tarnished - that my opinion
7) Great discussion
Thanks
Bobby

response con't:

6) opinions are like..................:rolleyes:
7) agreed

and one last question....since you are so down with disney are you in the mood to rent 700 points real cheap and really show disney how mad you are, i would be glad to take them off your hands:lmao:

DMKEDM
04-18-2012, 06:59 AM
Been biting my tongue (typing fingers!) for 24 hours now on this...and now I just can't resist:

Having to wait one year before being considered under regular credit practices, or alternatively providing more-than-usual financial info during this year during which your missed payment is an issue, does not equate to being "banished forever."

Are you ok with the people who owe you money (your employer, for example, or your clients if you're self-employed) skipping paying you one month if they catch up later and paid you regularly in the past?

I so don't think Disney is wrong on this; in fact, I'd go the other direction--I think Disney would be wrong (and its image tarnished as a result) if they didn't adjust their credit practices for people who pay late--

Still, I sympathize w/your situation. We've all had months where things financial go awry and we have to scramble to cope...you are to be commended for catching up as quickly as you did. And while you may miss out--if it doesn't last til next February--on the promotion that gives 120 points for the price of 100, there will be other promotions (some may even be better).

Or, perhaps as another poster mentioned, you can get alternative financing (as I understand it, the skipped DVC payment won't show up on your credit rating) and still do the 120-for-100 promotion?

But the bottom line is you owe what you owe--and reasons for not meeting that obligation don't change the fact that you owe it and you didn't pay it. You didn't promise to repay "when you can," or "if circumstances permit"...you promised to repay, period.

Sometimes life throws curve balls that do result in lenders being sympathetic and waiving "penalties" for late or missed payments (e.g., the fed'l gov't routinely extends tax payment deadlines if natural disasters hit at a time when financial disruption is widespread and inevitable--e.g., Hurricane Katrina, or the disaster of 9/11). But your specific "circumstances beyond your control" apparently do not qualify in Disney's corporate mind...

We might be more sympathetic/less judgmental if we knew what those circumstances were (altho it's none of our business!)...but generally, sickness or a house fire or job losses or things of that nature will get you some forgiveness/more time to repay (as appears to have been the case for you), but not more/new credit until you rebuild an on-time payment history.

Anyway, good luck to you...

Chuck S
04-18-2012, 07:36 AM
It is just the way financing works today. A friend of mine needed a new car. He is like me, he keeps his cars until they are really dead. His last car was a 1997 with 250K miles. I spent the day car shopping for used cars with him.

He doesn't owe any money, has no credit cards. Because it was 5 years since he paid off his last car, he had "no credit" and only one place, our credit union, would finance him at 12.5%. He was able to get his dad to cosign and drop the interest to 2.5%. Credit must be well groomed and current to be worth anything. Even not owing anything is bad.

cvjw
04-18-2012, 07:49 AM
I am happy to hear that Disney is scrutinizing potential borrowers before lending them money. I think that one of the reasons that resale prices have dropped so low is that too many people were allowed to buy into DVC who really couldn't afford it. When things turned south for them, they defaulted on their payments, sticking Disney with their contracts and/or flooding the resale market with too many contracts, which made the prices drop. When DVC prices drop, it hurts all of us, not just you for being denied the loan.

tjkraz
04-18-2012, 08:06 AM
1) 3) So according to some of you, if you make a mistake in 12 years, you forever banished

That's a bit of a stretch, don't you think?

According to your own post this is a situation which will resolve itself in a year. AND they offered you an alternative means to get approved now (provide additional financial records.) You simply chose not to accept their terms.

The lending process is bereft of emotion. Lenders can't afford to consider your friendship or history with the institution. They need to evaluate your financial health NOW.

The fact that you are unwilling to provide additional financial records probably solidifies the decision on their part. That alone is a red flag.

5) I would not consider the purchase of a DVC Points as luxury, luxury would be owning at the Ritz.

Luxury vs. necessity. A luxury is anything not essential to your everyday life. Food, shelter and clothing are necessities. iPods, TVs, timeshares and vacations are luxuries, regardless of the cost. A $2 pack of gum is a luxury purchase...but you don't go into debt to buy a pack of gum.

Generally speaking it is not wise to go into debt for any luxury purchase. Consumers often justify the debt as long as they can handle the payments. If you CAN handle the payments, save a little longer and just pay cash.

If you finance $12,000 with DVC and take the full 10 years to pay it off, you will give them nearly $8,000 worth of interest! That's additional money right out of your pocket. Only a fraction of it will be recouped via a tax write off.

Pay it off in half that time and you'll still spend $4k on interest.

DVC is doing you a favor by denying the loan. Find another lender or just save and pay cash.

AllieV
04-18-2012, 08:26 AM
Disney prison can't be too bad -- you've got pirates and princesses and Stitch to keep you company. I'm still stuck on the 700 points -- 700 points???? And you live in NY, so you have to fly there. Do you just stay for the entire summer?

But on a sympathetic note, I was a little surprised to hear that's their policy. I'd always read that Disney will give someone a loan so long as they can verify a pulse. They must've had some very bad experiences. Their head DVC person already got fired, so the remaining execs are covering their butts, I guess.

When the HARP refinancing recently expanded their reach, only a few qualifiers remained and one of those was that there are no late payments in the last 12 months. So maybe that's a new standard of lending in general.

AllieV
04-18-2012, 08:29 AM
p.s. could you put the loan in your spouse's name (if there is one)? This would accomplish the same goal and keep your name out of it. You can do an annual transfer of points.

Lynne M
04-18-2012, 08:51 AM
3) So according to some of you, if you make a mistake in 12 years, you forever banished


No, but you did have the option to give them additional proof that your finances were OK, and you chose not to. Believe me, I understand, I'm in the middle of a mortgage approval myself. I know what a pain it is to dig up the records they want, and they can ask for some really ridiculous stuff. But getting insulted or taking it personally isn't going to get you the loan that you want.

The day I sat down with my realtor to put together my offer, she said "I have one piece of advice for you about the mortgage.....give them whatever pieces of paper they want. If you argue with them, you're only going to delay your own home purchase, or not get the mortgage at all. "

If there ever was a time when a bank would lend you money based on your word and a handshake, that time is long gone. I really didn't mind giving them the documents they wanted. The way I looked at it is, if I want someone to lend me a lot of money, they have a right to ask for proof that I can pay them back.

OrangeCountyCommuter
04-18-2012, 09:06 AM
I have been a DVC member since 2000. I have over 700 points and have faithfully paid down my loans with no issues. This past Jan., I was late with my payments on my remianing contracts due to issues beyond my control. That being said, I got all caught up in Feb. I wanted to take advantage of the new incentatives 100 points get 120 points - made it all the way until the deal was stopped by the DVC credit, beacsue I was not current the past 12 months. I have been currrent the past 12 years excpet for 1 month. They denied my points unless I gave them full acess into my finances. I was to say the least disgusted and angry. It's amazing how they are slowley losing the human side. I called and wrote letters and all I got was we will bring it up to the higher ups. I wanted the extra points to give them to my family. They were very cold to me in my phone calls and was disapponted in that treatment, but, it is what it is
So, I remain in Disney prison, until next Feb, when my sentence is up.|

Sorry, but I don't see DVC's image as "tarnished"

I own stock in Disney and they have a duty to me not to incur bad debts that can't be collected.



In truth they could do much more to you when you were late on that first payment and some creditors do.. Miss a credit card payment and watch what happens...

The fact that you refused thier reasonable request to prove it was a "unique" occurance by providing financial data when it's been less then 6 months since your late payment seems to raise a red flag to me...

marynvince
04-18-2012, 09:30 AM
For every person with the means and intent to pay their obligations, there is another that overextends and can not meet their obligations. Without further documentation, Disney doesn't know which side to put you on. I applaud their caution and if you want the points enough, why not provide additional proof of financial responsibility?

ssawka
04-18-2012, 10:28 AM
3) So according to some of you, if you make a mistake in 12 years, you forever banished

As others have stated, it is not "forever", just one year. Did they offer to finance at the higher rate, or are they not doing that anymore?

As for Disney's policy, lending is all about risk and return. Like in or not, by you missing a payment you are now a higher risk to them. You say you have not missed a payment in 12 years, and that is great, but how do they know that you are not starting to have financial difficulties now? They only way they can determine that is to look at the financial records they have requested.

This is something that drives me crazy lately. Money is so unbelievably cheap right now i don't know how anyone would pay 11% for a luxury purchase such as DVC. I am not saying you should have the money to buy outright but geez, if you want to own DVC i think you should be able to find financing through your own, bank, credit union, pension loan...somewhere, anywhere that is lower than 11%......End of financial rant!:stir:

There are a lot of factors to consider when financing. At face value, you are correct that 11% is high, but there are a number of reasons why Disney financing may be appealing to some:

It's easy!
If you only own one home, then the interest may be tax deductible. Depending on your tax bracket, that will make your effective rate much lower, like 7%-8%.
It's relatively low risk, since the collateral on the loan is just the points, not some other asset, like your home.
With the dampened real estate market, people may not have enough equity in their homes to qualify for a HELOC or a HEL.


I would not use Disney financing over a long period, but for a year or two it might be appealing.

2. do you own a home? why not a small heloc or home equity loan, that is surely a write off.:teacher:

See #4 above.

Luxury vs. necessity. A luxury is anything not essential to your everyday life. Food, shelter and clothing are necessities. iPods, TVs, timeshares and vacations are luxuries, regardless of the cost. A $2 pack of gum is a luxury purchase...but you don't go into debt to buy a pack of gum.

It depends on what you consider "go[ing] into debt". Many people buy small items like a pack of gum using a credit card. In fact, some vending machines now take credit cards. We personally put almost everything on our credit card to get the rewards, however we also know that we already have the cash to pay the bill at the end of the month and that we will not incur interest charges.

Generally speaking it is not wise to go into debt for any luxury purchase. Consumers often justify the debt as long as they can handle the payments. If you CAN handle the payments, save a little longer and just pay cash.

Normally, I would agree with you, but not if you are really determined to buy DVC. With the way Disney keeps increasing the price, it may actually cost you more if you wait. Is waiting safer? absolutely! No one can deny that, but it may not be the cheapest route. This happened to us when we bought. We bought BLT in 2009 @ $92 a point. We paid off the loan a year later. By then the price had risen 22%.

Disney prison can't be too bad -- you've got pirates and princesses and Stitch to keep you company.

...and you would be able to escape easily, if you could just get that darn dog to bring you the key! :p

tjkraz
04-18-2012, 11:11 AM
Normally, I would agree with you, but not if you are really determined to buy DVC. With the way Disney keeps increasing the price, it may actually cost you more if you wait. Is waiting safer? absolutely! No one can deny that, but it may not be the cheapest route. This happened to us when we bought. We bought BLT in 2009 @ $92 a point. We paid off the loan a year later. By then the price had risen 22%.


Two years ago I would have agreed.

Today with the growing disparity between resale and direct, I would have to see the numbers to believe it.

Buying AKV direct will cost around $120 per point...$200 per point if adding the interest paid on a 10-year loan. Resale is $65 - 70 per point. The ability to book non-DVC destinations on points has SOME value but no rational person would pay such a premium for that right. And like I said, I'd have to see the numbers to believe that paying so much more direct is a better deal than saving for a couple of years and buying resale.

disneynutz
04-18-2012, 11:20 AM
It would be easy for DVD to let buyers get themselves into credit trouble and then reap the rewards of foreclosing and reselling the contracts.

Sub-prime loans did a number on the housing market and on many families, I have to give Disney credit for sticking to their policies.

To the OP, you might be upset with Disney now, but in the long run you might be thanking them.

:earsboy: Bill

Missyrose
04-18-2012, 11:37 AM
If you already have 700 points, why is there such a rush to buy more? Bank and borrow from your current point totals and make what would be your new Disney loan payments into a savings account and then just buy the new points with cash once you've saved enough?

I understand the urge to add on, but if you had issues with your finances a few months ago, why not give yourself some extra time to make sure all that is behind you before jumping head first into even more debt?

Mick West
04-18-2012, 12:04 PM
I agree with you, Mr poster. To all of you "Disney is a business", "I side with Disney", "financing a luxury.." Say what??? And the one I really like, "It's not one mistake in 12 years, it's one in the last year." WOW - how deep!! It's these kinds of thoughts and attitudes that are in the narrow minds of the ones making this decision. This is on the order of kicking the 5 year old out of kindergarten because his Mom left a plastic knife in his school lunch bag! The schools response; zero tolerance. Common sense and not being afraid to make a decision is truly becoming extinct.

bwvBound
04-18-2012, 12:37 PM
To all of you "Disney is a business", "I side with Disney", "financing a luxury.." Say what??? And the one I really like, "It's not one mistake in 12 years, it's one in the last year." WOW - how deep!! It's these kinds of thoughts and attitudes that are in the narrow minds of the ones making this decision. This is on the order of kicking the 5 year old out of kindergarten because his Mom left a plastic knife in his school lunch bag! The schools response; zero tolerance. Common sense and not being afraid to make a decision is truly becoming extinct.Just checking for understanding: the 1-yr window is more favorable (generous) to the DVC consumer than a 12-year window. It is a very brief "timeout" compared to the more widely accepted 7-year timeout in larger finance circles.

ssawka
04-18-2012, 01:24 PM
Two years ago I would have agreed.

Today with the growing disparity between resale and direct, I would have to see the numbers to believe it.

Buying AKV direct will cost around $120 per point...$200 per point if adding the interest paid on a 10-year loan. Resale is $65 - 70 per point. The ability to book non-DVC destinations on points has SOME value but no rational person would pay such a premium for that right. And like I said, I'd have to see the numbers to believe that paying so much more direct is a better deal than saving for a couple of years and buying resale.

Yes, I agree if you are talking about resale versus direct. I was simply referring to financing direct versus paying cash direct. I recently received the mailing saying that BLT was going up to $160pp! :scared1:

rigsby25
04-18-2012, 01:26 PM
My advice in life is "at least pay the minimum by the due date".

thedon3
04-18-2012, 02:22 PM
I must admit some of the replies were amazing. Thanks Mick West. Anyway, to clear up a couple of things.
1) I also own Disney Stock
2) Since my last 2 contracts are over in 2 months adding another was no big deal
3) Adding more points was for my familty because they all enjoy Disney world
4) I missed jan. payment, due to an unforseen issue - I use to have auto checking, so when I switched banks DVC kept double debting me, so I pay it myself.
5) DVC is nothing more then a well established Time share program not the Ritz
6) The banished forever comment was sarcastic.
7) Some of you think I am asking for a bail out - not
8) Time to remeber we all make mistakes
9) I am just a middle class family man who enjoys his family and country
10) It is what it is
11) Great discussions
12 Safe Weekend to All

Thanks

KAT4DISNEY
04-18-2012, 02:22 PM
I agree with you, Mr poster. To all of you "Disney is a business", "I side with Disney", "financing a luxury.." Say what??? And the one I really like, "It's not one mistake in 12 years, it's one in the last year." WOW - how deep!! It's these kinds of thoughts and attitudes that are in the narrow minds of the ones making this decision. This is on the order of kicking the 5 year old out of kindergarten because his Mom left a plastic knife in his school lunch bag! The schools response; zero tolerance. Common sense and not being afraid to make a decision is truly becoming extinct.

This was not zero tolerance. Disney asked for additional financial documentation. The OP chose not to do that. For most loans you have to provide some financial documentation even when you've never had a problem. Disney was an exception for a long time and got bit by it and apparently is now tightening up their policies.

jennypenny
04-18-2012, 03:20 PM
I have a little more sympathy for the OP than a lot of you I guess. Have any of you tried to get a loan outside of Disney lately? We have a mortgage on our home, and when I inquired with our bank about buying vacation property (with 30% down) they stated they were not doing second home mortgages unless the residence was paid in full. End of. They wouldn't even take the application. This is a huge bank we've been with for 20 years and our credit is good. Even Helocs are still very hard to come by.

I can see both sides in this.

ssawka
04-18-2012, 03:33 PM
I have a little more sympathy for the OP than a lot of you I guess. Have any of you tried to get a loan outside of Disney lately? We have a mortgage on our home, and when I inquired with our bank about buying vacation property (with 30% down) they stated they were not doing second home mortgages unless the residence was paid in full. End of. They wouldn't even take the application. This is a huge bank we've been with for 20 years and our credit is good. Even Helocs are still very hard to come by.

I can see both sides in this.

Yes, but the OP was not turned down, they were simply asked to provide more documentation.

jennypenny
04-18-2012, 03:46 PM
Yes, but the OP was not turned down, they were simply asked to provide more documentation.

As I said, I can see both sides. I was responding more to the comments that people should get financing outside of disney like it was as easy as it used to be.

Mtnman44
04-18-2012, 04:07 PM
So, after 2.5 pages, the jist of this thread is that man with 700 points that missed payment two months ago is mad that disney won't loan again without some underwriting requirments. Oh, and apparently currently has two loans.

Yawn.....moving on.

Unsolicited advice: if you have the money to buy and use 700 points each year, you don't need a loan for 100 more. Tax deduction? please.....

k3chantal
04-18-2012, 04:23 PM
I really wish there was a 'like' button Mtnman44! You 'summed' it up nicely.

tjkraz
04-18-2012, 04:38 PM
5) DVC is nothing more then a well established Time share program not the Ritz


Nobody is saying DVC is the Ritz but it is a nonessential expense. In financial terms that the textbook definition of a "luxury." Cost is irrelevant.

If you lose your job tomorrow or are injured and cannot work or fall victim to any other financial tragedy, you still need to put food on the table, roof over your heads and clothes on your backs. You will NOT need a timeshare. This is a big part of what drove the recession 3-4 years ago: banks lending too much money, consumers assuming too much debt and being unable to meet those obligations due to job loss or worse.

With the interest you pay on a DVC loan, you're paying $200+ per point for the cheapest resorts.

If you have existing loans ending, do yourself a tremendous favor and put that money in the bank for a few months and buy resale. Don't pay Disney $200+ for something you can get for $65 with a little patience.

9) I am just a middle class family man who enjoys his family and country

As are most of us. Maybe it's just me but I don't feel a tremendous amount of sympathy for someone who already owns $50-100K worth of DVC points, doesn't have the cash on hand to buy another 100 and isn't willing to provide DVC with whatever documentation they require to approve a five-figure loan.

Dean
04-18-2012, 07:58 PM
5) DVC is nothing more then a well established Time share program not the Ritz
To a degree that's true. I'd say that DVC is just another nice timeshare, I'm not sure that they are that well established overall. The Ritz also sells timeshares though they are way out of my league.

thedon3
04-19-2012, 02:57 PM
1)Thank sto those who gave meaningfull input.
2) I really like the education in the word "luxury". I can lead a full life knowing that.
3) I never needed or asked for sympathy.
4) I brought this whole issue up as a matter of principle, nothing more - nothing less
5) Some of you need to get a life
6) Last one - Safe Weekend

Thanks

k3chantal
04-19-2012, 03:45 PM
No you didn't want sympathy; you wanted empathy. I think you found out that many of us have a hard time giving you empathy when you already have tons of points and are just inconvenienced for one year.

Dean
04-19-2012, 04:23 PM
1)Thank sto those who gave meaningfull input.
2) I really like the education in the word "luxury". I can lead a full life knowing that.
3) I never needed or asked for sympathy.
4) I brought this whole issue up as a matter of principle, nothing more - nothing less
5) Some of you need to get a life
6) Last one - Safe Weekend

ThanksWhen you say meaningful input, I assume that meant agreed with you. It seemed you were upset when most people felt that your principle was wrong, that DVD's stance was reasonable and c/w standard finance procedures and that asking for more financial info was reasonable on their part. And it's not even a year, it's down to 9 months or so now if I read correctly. Don't get me wrong, I may have had the same initial reaction as you did and I can spend money based on principle at time but I would have been wrong if I did in this example.

Chuck S
04-20-2012, 03:57 PM
Just a note to remind everyone to please stay on the topic of financing and/or availability of financing. The last few posts have been removed for being off topic.

Thanks,