Davids DVC: Rental reimbursement or rescheduling?

[HuskieJohn]

Davids customer here for a 6/19 - 6/28 trip.
We are 51% thinking that we will not be going on our trip.
Any pointers as to best recovery of anything?
I am trying to google the DVC owner to see if we can work something out without David's involvement but that is a long shot.

 

[GatorD]

Just wanted to share my experience. We had a rental at BCV for mid-April though David’s. I filed a claim with my CC travel insurance (CitiCard). I received the denial of claim this morning. The basis of the denial was because a full value voucher was issued. It did say I could re-file if voucher is unused after a year.

Not sure what I’m going to do next. If we take voucher, we would use it for a cash room reservation instead of DVC rental. It was only 2 studio nights but still not an insignificant sum of money since it was peak point season.

 

[Sandisw]

Just wanted to share my experience. We had a rental at BCV for mid-April though David’s. I filed a claim with my CC travel insurance (CitiCard). I received the denial of claim this morning. The basis of the denial was because a full value voucher was issued. It did say I could re-file if voucher is unused after a year.

Not sure what I’m going to do next. If we take voucher, we would use it for a cash room reservation instead of DVC rental. It was only 2 studio nights but still not an insignificant sum of money since it was peak point season.

Would the travel insurance claim through the CC be the same process as a charge back?

Travel insurance usually covers non refundable costs, where a chargeback is based on not receiving a good or service you paid for,

 

[cmrdgrs]

Just wanted to share my experience. We had a rental at BCV for mid-April though David’s. I filed a claim with my CC travel insurance (CitiCard). I received the denial of claim this morning. The basis of the denial was because a full value voucher was issued. It did say I could re-file if voucher is unused after a year.

Not sure what I’m going to do next. If we take voucher, we would use it for a cash room reservation instead of DVC rental. It was only 2 studio nights but still not an insignificant sum of money since it was peak point season.

As the person that was denied the claim, I would go back to the CC company and point out that your voucher is dependent on the owner that rented you the points signing a new agreement.

IMO, your contract is not with a random owner, but a very specific owner. David is making a promise on a voucher, but he has nothing in writing between you and the original owner that rented you the points. Just as the original agreement between you and the original owner was for very specific dates, there needs to be a new agreement with your original owner that they are going to book your new dates. Without that, I don't see how the voucher holds water.

Where is the new agreement between the parties? To me, it seems clear that a new agreement needs to be signed between the original three parties. Without the agreement of the original owner, you don't really have anything.

 

[GatorD]

Would the travel insurance claim through the CC be the same process as a charge back?

Travel insurance usually covers non refundable costs, where a chargeback is based on not receiving a good or service you paid for,

Different process I think as this was through insurer that is part of my card benefits. I still have option for chargeback which I am considering after reading through all the posts here.

 

[Bowen Family]

Just wanted to share my experience. We had a rental at BCV for mid-April though David’s. I filed a claim with my CC travel insurance (CitiCard). I received the denial of claim this morning. The basis of the denial was because a full value voucher was issued. It did say I could re-file if voucher is unused after a year.

Not sure what I’m going to do next. If we take voucher, we would use it for a cash room reservation instead of DVC rental. It was only 2 studio nights but still not an insignificant sum of money since it was peak point season.

Thanks for sharing this. We need to decide what we’re going to about the voucher offer for our May 10 reservation, so this is helpful.

And I disagree with the CC company interpretation that the voucher is full value. It carries new risk that the original contract didn’t; specifically that David’s can alter the new credit at any time, and that by accepting terms of the credit, we accept this possibility without recourse. Until/unless one has actually completed their rebooked DVC stay, that is a lot less value and a whole lot more uncertainty. Just my opinion.

 

[McCrae]

Thanks for sharing this. We need to decide what we’re going to about the voucher offer for our May 10 reservation, so this is helpful.

And I disagree with the CC company interpretation that the voucher is full value. It carries new risk that the original contract didn’t; specifically that David’s can alter the new credit at any time, and that by accepting terms of the credit, we accept this possibility without recourse. Until/unless one has actually completed their rebooked DVC stay, that is a lot less value and a whole lot more uncertainty. Just my opinion.

Does this not only relate to Holiday insurance with the credit card company? A credit card charge back request is different.

I can understand why the insurance claim wouldn't work.

Paypal according to a poster on this thread have also declined to settle the claim in favour of the renter.

IMO CC charge back has always been the most likely option to succeed. I guess we will probably need to wait maybe 1-2 months before we know what is happening.

 

[Marionnette]

Davids customer here for a 6/19 - 6/28 trip.
We are 51% thinking that we will not be going on our trip.
Any pointers as to best recovery of anything?
I am trying to google the DVC owner to see if we can work something out without David's involvement but that is a long shot.

If the resorts are open when your dates roll around, I don’t think you can get a refund. DVC will not be automatically canceling reservations if they are open. The owner will not be getting their points back if you don’t show up. And the way David’s has been doing business, I would not expect any leniency on their no-refunds policy.

 

[cmrdgrs]

Thanks for sharing this. We need to decide what we’re going to about the voucher offer for our May 10 reservation, so this is helpful.

And I disagree with the CC company interpretation that the voucher is full value. It carries new risk that the original contract didn’t; specifically that David’s can alter the new credit at any time, and that by accepting terms of the credit, we accept this possibility without recourse. Until/unless one has actually completed their rebooked DVC stay, that is a lot less value and a whole lot more uncertainty. Just my opinion.

David IMO can't issue a credit on points he doesn't own nor can guarantee. I'd definitely point out that David can cancel the voucher for any reason at any time.

 

[Dracula]

David IMO can't issue a credit on points he doesn't own nor can guarantee. I'd definitely point out that David can cancel the voucher for any reason at any time.

The credit voucher is not exclusively for points - my understanding is that the voucher can be redeemed for cash stays, cruises, and other Disney travel.

 

[Sandisw]

The credit voucher is not exclusively for points - my understanding is that the voucher can be redeemed for cash stays, cruises, and other Disney travel.

Still require him to generate income from point rentals

 

[momincolorado]

Just wanted to share my experience. We had a rental at BCV for mid-April though David’s. I filed a claim with my CC travel insurance (CitiCard). I received the denial of claim this morning. The basis of the denial was because a full value voucher was issued. It did say I could re-file if voucher is unused after a year.

Not sure what I’m going to do next. If we take voucher, we would use it for a cash room reservation instead of DVC rental. It was only 2 studio nights but still not an insignificant sum of money since it was peak point season.

The cc travel insurance and the chargeback are two different things. I would call Citi and let them know that you are looking to dispute the charge based on services/goods not provided. They will ask you a bunch of questions - who cancelled the reservation, for what dates was the reservation etc and may request documentation, i.e. cancellation notice, to initiate the chargeback (they can also request this at a later time). Once you dispute the charge, you should see the credit temporarily back on your account while you await final resolution. Quite a few renters on this thread have chargebacks pending and we don’t know yet what the final outcome will be but we do know that this is currently the only possible way to obtain a refund.

 

[cmrdgrs]

The credit voucher is not exclusively for points - my understanding is that the voucher can be redeemed for cash stays, cruises, and other Disney travel.

But, it also can be canceled by David at any time at his discretion, no?

 

[cmrdgrs]

The cc travel insurance and the chargeback are two different things. I would call Citi and let them know that you are looking to dispute the charge based on services/goods not provided. They will ask you a bunch of questions - who cancelled the reservation, for what dates was the reservation etc and may request documentation, i.e. cancellation notice, to initiate the chargeback (they can also request this at a later time). Once you dispute the charge, you should see the credit temporarily back on your account while you await final resolution. Quite a few renters on this thread have chargebacks pending and we don’t know yet what the final outcome will be but we do know that this is currently the only possible way to obtain a refund.

If denied you can resubmit new information upon denial. This happened to me once and I resubmitted in that instance and was granted my chargeback after resubmitting more information

 

[nagshead]

Agree with this. I’d appeal to the credit card. What happens if David’s goes out of business? These vouchers will be worth nothing and you won’t be able to file with credit card because you will be out of the window to file claims (I think this window varies by credit card).

 

[Galun]

Just wanted to share my experience. We had a rental at BCV for mid-April though David’s. I filed a claim with my CC travel insurance (CitiCard). I received the denial of claim this morning. The basis of the denial was because a full value voucher was issued. It did say I could re-file if voucher is unused after a year.

Not sure what I’m going to do next. If we take voucher, we would use it for a cash room reservation instead of DVC rental. It was only 2 studio nights but still not an insignificant sum of money since it was peak point season.

If they approve your insurance claim, citi / their insurance underwriter is paying out. Citi is incentivized to follow the exact rules and look for every reason to deny you.

If they approve your chargeback, David's is paying out, not Citi nor their insurance underwriter. Citi will have to follow the chargeback rules, but their incentive is aligned with you, who is their customer.

Do the chargeback.

 

[Amymouse13]

My Citi dispute says online he has responded and they will let me know after they review whatever he said/sent. I thought David's would wait til June, but they didn't. We'll see... Lol

 

[McCrae]

My Citi dispute says online he has responded and they will let me know after they review whatever he said/sent. I thought David's would wait til June, but they didn't. We'll see... Lol

My Citi dispute says online he has responded and they will let me know after they review whatever he said/sent. I thought David's would wait til June, but they didn't. We'll see... Lol

It reads asthough David's are confident they are correct, otherwise no reason for them to respond quickly.

 

[Amymouse13]

It reads asthough David's are confident they are correct, otherwise no reason for them to respond quickly.

Right, they believe the voucher program is a solution I'm sure.

 

[WDWEPCOT]

Full value voucher ?? Hmm vouchers have no value read the rules he listed
I believe (my thoughts ) the credit card co May thinks these vouchers are like airline vouchers and they are not - even airlines are a bit more flexible than this - you at least have a chance to use your airline voucher.