the first time was through the 800 on my card and it was the North Atlantic region. I don't think they have a cancellation fee.
The second time was for our trip starting tomorrow. I also had no idea they charged a cancellation fee, since I didn't have one the time before, until AFTER I received the paperwork and had given the deposit. Since I was sure we weren't cancelling I didn't really care but I think that it should be disclosed up front before any deposit is taken so you can be sure you want to use that agency. Not all charge a fee.
If I had known, I might have just made the ressie through my region rather than reaching out to another agent because of a recommendation. Service was okay, but there were issues and frankly, I don't think I got anything other than the discount on the room for my patronage. I had to make some of my own calls because the agent kept telling me that there was a tax added when I added the dining plan (something about Disney not being able to separate tax on rooms from tax on food) and I had never heard such a thing but she was insistent that I had to pay it, plus she didn't have the correct charge for the child dining plan. I ended up calling Disney myself, confirming the cost of the dining add on, then conferencing my agent in so that she could make the addition since she "owned" the reservation.
What is the point of using an agent if you have to correct them on charges and policies? Won't do that again.