Can someone ELI5 the transfer process for me?

[FrancisK7]

So currently, all my contracts are December UY. They all appear under different membership IDs under one account.

I'm planning a 10 nights Aulani stay in 2027 in GV (1220 points). I'm considering a 2x 200pt SAP contracts acquisition (either AUL or SSR whichever I can get the best deal on).

However it's not clear to me how the transfer process works between memberships.

My AUL contract is only 100 points. I know I can bank and burrow and have up to 3 years of points at once. So I'd need to transfer 920 points from my SAP contract.

Assuming I'm willing to gamble at 7 months and get SSR contracts, what is the process of transferring three years worth of SSR points to my AUL membership so I could book that GV at 7 months? Do I need to call?

 

[AstroBlasters]

So currently, all my contracts are December UY. They all appear under different membership IDs under one account.

I'm planning a 10 nights Aulani stay in 2027 in GV (1220 points). I'm considering a 2x 200pt SAP contracts acquisition (either AUL or SSR whichever I can get the best deal on).

However it's not clear to me how the transfer process works between memberships.

My AUL contract is only 100 points. I know I can bank and burrow and have up to 3 years of points at once. So I'd need to transfer 920 points from my SAP contract.

Assuming I'm willing to gamble at 7 months and get SSR contracts, what is the process of transferring three years worth of SSR points to my AUL membership so I could book that GV at 7 months? Do I need to call?

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If they are all a DEC UY then they should be under the same Membership ID. This suggests that the title companies didn’t title everything the same.

I would call MS and see what can be done to put them all under the same Member ID… then you will never have to transfer points!

 

[Sandisw]

Transferred points can not be borrowed, so while you can transfer points every year, you won't be able to borrow them, once you do, for a trip. You also can't transfer points that you have banked...although DVC has relaxed on this a bit lately to allow that for the same owner.

You can transfer and bank the points forward, so you can end up with two, but not three.

For example, if your trip in June 2027 is in your Dec 2026 UY, you can transfer you 2025 points and bank them, and transfer 2026 points to use, but you can't transfer the 2027 points because you'd need to borrow them to book a June 2027 trip.

Do you contracts have different owners? Because if they are the same UY, and titled the same way, they should have been under the same membership #.

 

[intamin]

As above you should be trying to figure out why they’re different memberships. Did you add/remove somebody from your new contract?

 

[FrancisK7]

My wife appears on the titles of our 2x AKV contracts but because she has ADHD and was taking forever to sign the paperwork she was driving me mad, I decided to leave her out the 4 other contracts. She's entitled to half of them by law anyway.

So that must be why. I had not realized the implication at the time.

Since these 4 other contracts haven't appeared or loaded yet I thought each resort would appear under a different membership and I was all confused.

So my other 4 contracts titled to my name only will all appear under that same first membership, and the points are already pooled.

That makes a lot of sense now.

Thanks everyone.

 

[lilsonicfan]

Ah, unfortunate that she isn't on those other contracts - you probably want to do what it takes to get her on, unfortunately it's probably going to cost you a few hundred per contract as most people do this through a title company.

 

[FrancisK7]

Ah, unfortunate that she isn't on those other contracts - you probably want to do what it takes to get her on, unfortunately it's probably going to cost you a few hundred per contract as most people do this through a title company.

She's the one who asked me to leave her name out the next ones. It triggers her to feel under pressure to do something, but the broker was e-mailing me every 2 days to get her to do it since they had all docs and funds and just needed a signature, and I felt pressured too. Plus I understand the seller wanting to get his money ASAP. So I said OK. She felt the entire process stressful and not exciting at all unfortunately.

Most couples where I'm from, even married one, keep finances separate, so this is normal in our culture. We have a joint account for joint spending (like the mortgage) otherwise people manage their money separately. Women even have to legally keep their maiden name after marriage, they cannot take the name of their husband even if they wanted to.

I found it funny that even the verbiage in contracts in the US specifies the marital status of a single party involved in a transaction, as if this mattered at all for the transaction in play.

 

[JackosinDIS]

She's the one who asked me to leave her name out the next ones. It triggers her to feel under pressure to do something, but the broker was e-mailing me every 2 days to get her to do it since they had all docs and funds and just needed a signature, and I felt pressured too. Plus I understand the seller wanting to get his money ASAP. So I said OK. She felt the entire process stressful and not exciting at all unfortunately.

Most couples where I'm from, even married one, keep finances separate, so this is normal in our culture. We have a joint account for joint spending (like the mortgage) otherwise people manage their money separately. Women even have to legally keep their maiden name after marriage, they cannot take the name of their husband even if they wanted to.

I found it funny that even the verbiage in contracts in the US specifies the marital status of a single party involved in a transaction, as if this mattered at all for the transaction in play.

I’m interested… where are you from?

 

[FrancisK7]

Quebec

 

[lilsonicfan]

She's the one who asked me to leave her name out the next ones. It triggers her to feel under pressure to do something, but the broker was e-mailing me every 2 days to get her to do it since they had all docs and funds and just needed a signature, and I felt pressured too. Plus I understand the seller wanting to get his money ASAP. So I said OK. She felt the entire process stressful and not exciting at all unfortunately.

Most couples where I'm from, even married one, keep finances separate, so this is normal in our culture. We have a joint account for joint spending (like the mortgage) otherwise people manage their money separately. Women even have to legally keep their maiden name after marriage, they cannot take the name of their husband even if they wanted to.

I found it funny that even the verbiage in contracts in the US specifies the marital status of a single party involved in a transaction, as if this mattered at all for the transaction in play.

I have no opinion on whether finances should be kept separate or not or whether your wife asked to be left off the next contracts, the bigger issue is that it creates a potentially unnecessary headache to deal with multiple membership IDs when you've gone to the effort of having them in the same UY.

 

[FrancisK7]

Well 4 of them will be in my name, while 2 are titled to both our names, so it'd be cheaper to re-title the two with hers.

Will reach out to title companies and see what they say.

 

[crvetter]

Well 4 of them will be in my name, while 2 are titled to both our names, so it'd be cheaper to re-title the two with hers.

Will reach out to title companies and see what they say.

I recommend LTTransfers.com. They are much more affordable than any title companies would be and have a business line specifically for handling re-titles. It was something around $250 a piece.

 

[CarolynFH]

Well 4 of them will be in my name, while 2 are titled to both our names, so it'd be cheaper to re-title the two with hers.

Will reach out to title companies and see what they say.

I also recommend LT Transfers. They've handled multiple timeshare transfers for my family, DVC and not-DVC. They're very efficient and cost-effective.

 

[atthebeachclub]

She's the one who asked me to leave her name out the next ones. It triggers her to feel under pressure to do something, but the broker was e-mailing me every 2 days to get her to do it since they had all docs and funds and just needed a signature, and I felt pressured too. Plus I understand the seller wanting to get his money ASAP. So I said OK. She felt the entire process stressful and not exciting at all unfortunately.

Most couples where I'm from, even married one, keep finances separate, so this is normal in our culture. We have a joint account for joint spending (like the mortgage) otherwise people manage their money separately. Women even have to legally keep their maiden name after marriage, they cannot take the name of their husband even if they wanted to.

I found it funny that even the verbiage in contracts in the US specifies the marital status of a single party involved in a transaction, as if this mattered at all for the transaction in play.

I gather you are from Quebec? They really do have different laws there, even than the rest of Canada! Edit: I guessed correctly just didn’t see your response at first. I don’t think the rules are the worst thing. Sometimes I wish that was a more common way of treating finances.