Any other members with multiple households? Need help with an issue.

[DVCFan1994]

My parents have been DVC owners since 1994. A few years ago, as part of some long term planning they decided to add myself and my two siblings to the title. So now, there are technically 5 owners of their 866 points. They did not divide it up, all 5 names are on all deeds - we own at OKW, BWV and VB. Myself and my siblings have our own member cards. There are 4 households involved. My parents, myself with my husband and kids, my brother with his wife and kids and my sister with her husband and child. None of the grandkids or spouses are on the deeds.

I have one issue and that is with purchasing annual passes. When I get to a ticket window I present my membership card, picture ID, my expiring pass, and then the passes for my husband and kids for renewal. As a member I am entitled to the member discount on passes for my household. However, after having no issue the first time, the last two renewals were problematic. We are about to be due for our next renewal. When the CM at the ticket window enters the member number or scans the card (don't remember how it works) only my moms name comes up. They have my member card right in front of them, but it still requires a call or a supervisor coming over. It is not a huge deal, but I am wondering if there is anything I can do to make this easier and less time consuming each time. It took over 20 minutes the last time. I tried calling member services, but as is usual in my experience with all things disney phone customer service, I did not get much assistance. I got a confused response, the CM I spoke to did not seem to understand the issue, and said there was nothing she could do.

I think there is a limit of 8 APs per household, but even if the limit is for the whole account, only my parents, and my family of 4 have APs.

Any one else have a similar issue they were able to resolve? I'd appreciate any advice you can give.

 

[TDluvsDaisy]

I hope you get some help with this. I think it is an unusual situation with so many people as a member on one account.

 

[disneynutz]

Contact DVC Member Satisfaction for help.

dvcmembersatisfactionteam@disneyvacationclub.com

Bill

 

[DVCFan1994]

Contact DVC Member Satisfaction for help.

dvcmembersatisfactionteam@disneyvacationclub.com

Bill

Thanks! I hadn't seen that address before. I know the situation maybe unusual, but it also seems to me that many families may have begun doing such things as part of normal planning for what will happen to points as families get older. We still all vacation together regularly, and then my parents generously allow us to use the points for our own vacations as well. That's why my mom felt this would be the way to go. It's been great, this is the only wrinkle we have encountered.

 

[jambo5564]

Does this seem like a suspicious way to get more people member perks and discount annual passes to anyone else? Just wondering

 

[DVCFan1994]

Does this seem like a suspicious way to get more people member perks and discount annual passes to anyone else? Just wondering

I am really offended by that question. My dad was diagnosed with cancer 3 years ago. That set off a slew of changes for my parents. One of which was additional estate planning. Making us members was their choice for planning for their points. We had been using their points frequently. They now live in FL half the year and were using them less themselves. We'll take vacations during which part of the time is spent at their house, and part at WDW. By making us members we can handle making our own reservations. My family, but not my siblings, goes frequently enough to warrant getting APs.

Are you saying I should not be entitled to use the perks of the membership because I am not the original purchaser? I actually rarely remember to use the membership for most discounts. The only thing I have used it for is APs and one early entry into runDisney event. I guess you think resale purchasers should not get these benefits either. Because I am really not much different than a resale purchaser.

As I said before, some early purchasers of DVC points (such as my parents who bought in 1994) are beginning to need to consider what to do with points that will almost certainly outlast them in years. These points very well might outlast me for crying out loud. My parents instilled a love of Disney vacations in us, and want to be able to ensure we can do the same with our kids.

The world is becoming so cynical and sad. Thanks to those who offered help. As is far too often the case on these Disboards a fairly straightforward question is being turned into an excuse to look down upon others choices. Having read many DVC threads that seemed to turn ugly I'd chosen not to ask this for a while now. Now I wish I hadn't again.

 

[lovin'fl]

Don't you have to all live at the same address (the one on the membership) to get the DVC perks and discounts? I thought I had read that before...that you had to live at your parents' address to be able to get the DVC AP pricing? Maybe they have done it for you, but they weren't supposed to and that's why it's a hassle each time . Maybe I am wrong, though. I'd like to know because my MIL and FIL paid us to use 1/2 of our OKW points and I'd add them to our contract if they can get the perks (they don't live with us).

 

[marsh0013]

Don't you have to all live at the same address (the one on the membership) to get the DVC perks and discounts? I thought I had read that before...that you had to live at your parents' address to be able to get the DVC AP pricing? Maybe they have done it for you, but they weren't supposed to and that's why it's a hassle each time . Maybe I am wrong, though. I'd like to know because my MIL and FIL paid us to use 1/2 of our OKW points and I'd add them to our contract if they can get the perks (they don't live with us).

If only hhe parents were listed as owners, then yes. But You can have 2 (or more) different people (even unrelated people) both as owners of the same contract who have different addresses. In my case, my boyfriend and I are both listed as owners on our contract and we have different addresses. We both have member cards, as does OP and siblings.

OP said that the parents added the OP and siblings to the contract therefore the contract belongs to multiple people with multiple addresses. It follows that all related people living at all the addresses should get the AP discount.

That is quite frustrating OP that it is an issue every time. I hope member satisfaction is able to help you out. And please let me know how it works out as this could affect me in the future.

 

[CarolMN]

Don't you have to all live at the same address (the one on the membership) to get the DVC perks and discounts? I thought I had read that before...that you had to live at your parents' address to be able to get the DVC AP pricing? Maybe they have done it for you, but they weren't supposed to and that's why it's a hassle each time . Maybe I am wrong, though. I'd like to know because my MIL and FIL paid us to use 1/2 of our OKW points and I'd add them to our contract if they can get the perks (they don't live with us).

No, she doesn't have to live at her parent's address. She is on the deed and part owner of the membership. She and the members of her household are entitled to purchase the DVC passes as are the members of her siblings households.

OP - I also think you should email Member Satisfaction and ask for their help to resolve the situation. It appears something is not properly listed/programmed for you membership. Good luck!

 

[jambo5564]

im just saying this seems to be a glitch in dvc planning. Nothing personal. .. This would explain your hassle because they don't do it that way and now it confuses them. The first question I had when I joined was "what of I don't live 49 years?" Can be willed to someone I was told. Not you can start adding people to your membership when you want/need to

 

[Dean]

My parents have been DVC owners since 1994. A few years ago, as part of some long term planning they decided to add myself and my two siblings to the title. So now, there are technically 5 owners of their 866 points. They did not divide it up, all 5 names are on all deeds - we own at OKW, BWV and VB. Myself and my siblings have our own member cards. There are 4 households involved. My parents, myself with my husband and kids, my brother with his wife and kids and my sister with her husband and child. None of the grandkids or spouses are on the deeds.

I have one issue and that is with purchasing annual passes. When I get to a ticket window I present my membership card, picture ID, my expiring pass, and then the passes for my husband and kids for renewal. As a member I am entitled to the member discount on passes for my household. However, after having no issue the first time, the last two renewals were problematic. We are about to be due for our next renewal. When the CM at the ticket window enters the member number or scans the card (don't remember how it works) only my moms name comes up. They have my member card right in front of them, but it still requires a call or a supervisor coming over. It is not a huge deal, but I am wondering if there is anything I can do to make this easier and less time consuming each time. It took over 20 minutes the last time. I tried calling member services, but as is usual in my experience with all things disney phone customer service, I did not get much assistance. I got a confused response, the CM I spoke to did not seem to understand the issue, and said there was nothing she could do.

I think there is a limit of 8 APs per household, but even if the limit is for the whole account, only my parents, and my family of 4 have APs.

Any one else have a similar issue they were able to resolve? I'd appreciate any advice you can give.

Contact MS and make sure they have all addresses and names listed on the contract and that they don't have you all at one address. Ask a supervisor or Satisfaction team member about the issue. Do you get separate mailings at all of the addresses?

Does this seem like a suspicious way to get more people member perks and discount annual passes to anyone else? Just wondering

Yes and no and it seems to be the Disney way to set up such issues. IMO they set the rules and we follow them and use them to our advantage. I know people who have bought simply 25 points to get the discounts and/or to get a respite, DDP and/or pool access for 2 days at a time even if not staying there. I thought it was strange to allow the list they did (including in-law's) but require the one address. Or else to limit the number of passes per membership. However, there is risk. Say even one of the group in the OP's contract has financial issues, it could affect them all to a degree.

 

[DVCFan1994]

im just saying this seems to be a glitch in dvc planning. Nothing personal. .. This would explain your hassle because they don't do it that way and now it confuses them. The first question I had when I joined was "what of I don't live 49 years?" Can be willed to someone I was told. Not you can start adding people to your membership when you want/need to

No, you said my question seemed like a "suspicious way of getting more people perks". I can't imagine how that is anything but personal.

If you asked a question about what happens when you die, telling you that you can will them to people is logical. If you had asked what happens in x years when my kids want to take my grand kids more than we care to go, then you might have been told this option. Or not, but that does not change the fact the option exists.

I've had an AP since 1993, back when they were laminated cards with your picture on it. I've had a total of 5 discounted APs in all those years. Three ages ago when I was still living at home, and therefore eligible under my parents address. Two since becoming a member.

There are clear instructions on the website how to add people to your deed. It is a somewhat lengthy process requiring notarized documents and various charges for the new title(s). Disney is not hiding this option from anyone.

 

[DVCFan1994]

Contact MS and make sure they have all addresses and names listed on the contract and that they don't have you all at one address. Ask a supervisor or Satisfaction team member about the issue. Do you get separate mailings at all of the addresses?
.

Yes, I get the point charts and the newsletter at my address. As do each of the other households. Your point about the risk involved is a good one. This option may not be right for all families.

 

[rosanab1031]

I am really offended by that question. My dad was diagnosed with cancer 3 years ago. That set off a slew of changes for my parents. One of which was additional estate planning. Making us members was their choice for planning for their points. We had been using their points frequently. They now live in FL half the year and were using them less themselves. We'll take vacations during which part of the time is spent at their house, and part at WDW. By making us members we can handle making our own reservations. My family, but not my siblings, goes frequently enough to warrant getting APs.

Are you saying I should not be entitled to use the perks of the membership because I am not the original purchaser? I actually rarely remember to use the membership for most discounts. The only thing I have used it for is APs and one early entry into runDisney event. I guess you think resale purchasers should not get these benefits either. Because I am really not much different than a resale purchaser.

As I said before, some early purchasers of DVC points (such as my parents who bought in 1994) are beginning to need to consider what to do with points that will almost certainly outlast them in years. These points very well might outlast me for crying out loud. My parents instilled a love of Disney vacations in us, and want to be able to ensure we can do the same with our kids.

The world is becoming so cynical and sad. Thanks to those who offered help. As is far too often the case on these Disboards a fairly straightforward question is being turned into an excuse to look down upon others choices. Having read many DVC threads that seemed to turn ugly I'd chosen not to ask this for a while now. Now I wish I hadn't again.

NO REGRETS HUN! This was a great question and something I had actually been thinking about. So glad you brougt it up! If I ever have kids now I know what to do (as long as they don't change anything. And once my sister gets her financial ducks in a row I will probably add her on as a member Thanks again for posting!

 

[tjkraz]

NO REGRETS HUN! This was a great question and something I had actually been thinking about. So glad you brougt it up! If I ever have kids now I know what to do (as long as they don't change anything. And once my sister gets her financial ducks in a row I will probably add her on as a member Thanks again for posting!

Just make sure you fully investigate the legal ramifications of making such a move.

I suspect most people who would consider adding someone outside of their spouse/SO to the contract is on good terms with that individual. In many cases you don't even need handshake agreements to establish how points will be used, who is paying dues, etc.

But when there's a death, divorce, bankruptcy or any number of other life-changing issues involved, you may not appreciate the manner in which the DVC contract is affected.

 

[Dean]

But when there's a death, divorce, bankruptcy or any number of other life-changing issues involved, you may not appreciate the manner in which the DVC contract is affected.

In general I'm against family/friend partnerships as this is. As a rule I've spoken against it here on DIS. I think there are situations where it's a reasonable risk (still a risk though). I'd encourage anyone doing this for perk reasons to have a very small contract affected, possibly 25 points only.

Disclaimer: I added my daughter to our 100 pt AKV contract mostly for the perks and to be treated as a member on trips. It was my original intent to sell all but 25 of those but I haven't done so and now may not. She is not on my BWV contract.

 

[rowlands57]

I just finished adding my two daughters to my two contracts and they are both now co-owners with me. I did it so that they can enjoy the DVC experience as owners as we have been spending at least one or two vacations a year there as a group. As they get older things like work, school for the grandkids and etc... make group trips harder so now we can all plan our own trips if needed and still enjoy the benefits of the membership 'we' are all paying for.

I don't give it a second thought as I always told them to consider the DVC as a vacation home and that they can borrow the 'keys' to the house anytime....

 

[tjkraz]

I just finished adding my two daughters to my two contracts and they are both now co-owners with me. I did it so that they can enjoy the DVC experience as owners as we have been spending at least one or two vacations a year there as a group. As they get older things like work, school for the grandkids and etc... make group trips harder so now we can all plan our own trips if needed and still enjoy the benefits of the membership 'we' are all paying for.

I don't give it a second thought as I always told them to consider the DVC as a vacation home and that they can borrow the 'keys' to the house anytime....

On an emotional level, that's fine. I think we can all relate to wanting to "share" with the kids, grandkids, etc.

However, just remember DVC goes beyond this fun "club" Disney has created...it's a legal real estate holding. And it's consider an asset of ALL individual owners. To oversimplify, if you have contract(s) valued at $30,000 and three owners, each individual has roughly a $10,000 ownership stake.

If a single owner files for bankruptcy in the scenario above, the courts will be looking for $10K from the DVC contract to satisfy other debts. That may necessitate selling of the contract or the other two owners coming up with $10K to buy-out the third. Even if the bankrupt owner never paid a dime to acquire the points in the first place...an owner is an owner.

In the case of divorce, the DVC contract could be labeled community property. There are considerations upon the death of one or more owners. There have been situations where DVC ownership can impact asset calculations for things like student loans.

Like Dean said, it's all about mitigating risk. Nobody likes to think about a child's bankruptcy or divorce, but failure to account for the possibility can be a costly mistake. These things don't just happen to bad people--you can't really plan for an unfaithful spouse, unexpected job loss, costly medical bills, etc.

One of the contracts we own is for only 40 points. If I were to someday make any accommodation for my kids, it would probably be to just add them as owners to that one contract. That's a risk I'd be willing to assume.

I love my kids but I'm not going to risk hundreds of DVC points--and thousands of dollars--on the quality of their personal and financial decisions.

 

[n2mm]

OP, My adult daughter is a co-owner with me and my husband. She lives at a different address with her family. She gets all of the same mailings I get at my address. She has never had a problem getting her APs. The first thing that came to mind after reading your post was did your folks make sure that everyone is added to ALL of the contracts? Did you log on to the DVC website and check your profile to make sure you are listed as an owner (along with all others). When I check my profile it list me as the primary owner and my husband and daughter as owners right under me. As for adding others to accounts, this is not something that should be done lightly. As others have said there are ramifications to adding others to contracts, like divorce or financial problems. I have another child that I would never add to my contracts because of his bad financial behavior. My daughter has no problem getting APs for herself, her husband and children. We have been members for 8 years and I own 3 different homes, (7 contracts) and all are titled exactly the same (which is required if you have all under one account number). Hopefully, you can get it straightened out, though the first time I went I took are scan of my deed (just the top part showing ownership), not sure if that was wise, but had not gotten our membership cards yet. Good luck and let us know how it turns out!

 

[bumbershoot]

im just saying this seems to be a glitch in dvc planning. Nothing personal. .. This would explain your hassle because they don't do it that way and now it confuses them. The first question I had when I joined was "what of I don't live 49 years?" Can be willed to someone I was told. Not you can start adding people to your membership when you want/need to

Guides don't have all the answers. And they probably don't want to willynilly suggest what the ops family did because it definitely doesn't work for every family.

If my FIL owned DVC and added all of his kids it would have been messed up the first year after one of them got married because all of the first spouses of his kids were pretty scummy. And you either have to add at the beginning or have it all paid to add to the deed, so that doesn't fit everyone's situation either.