DVC Financing Approval

I'm not buying this story. 300 points only because "brother" said they couldn't afford it... And with creditors calling for payments they're going to add an additional $620/mo in debt at 15%... and pay it off early? Really? $620/mo for a vacation and you haven't even stepped foot in the park... Sorry folks, I ain't buying that one!

I can believe it. I have a handful of family members and acquaintances whose money managing decisions defy logic. I don't care how people spend their money if their poor decision making affects only them, but when people default on loans and credit cards, have no money saved for emergencies and retirement, etc, those costs are passed on to others.

ALot of people here have said our way wasn't the smartest, and ok maybe it wasn't. And maybe it wasn't the cheapest either... But it is the way WE did it. And we are happy that's all that matters isn't it???

There is no maybe involved, it most definitely was not the cheapest path to DVC ownership! Good luck, I do hope it works out for you and you are able to meet your other financial obligations while paying off your DVC loan.
 
I can't even believe someone is actually doubting the fact that we are members now. I mean I would really make up this whole story... NOT A CHANCE. ALot of people here have said our way wasn't the smartest, and ok maybe it wasn't. And maybe it wasn't the cheapest either... But it is the way WE did it. And we are happy that's all that matters isn't it??? But to say that it was totally made up? Come on now, I have better things to do than to make up a long story about a time share.

Please don't take offense. The fact is that as a new member to the DIS, nobody really knows you. The fact that we are all just screen names makes that point even more real. So although you may be telling the truth, the pattern for "hoaxes" is that someone creates a new screen name, posts something blasphemous, and watches everyone go nuts. So for people who have been on here awhile who have seen it all, they tend to doubt a little easier. You may be too busy to make up a long story about a timeshare, but believe me when I tell you, there are many people who aren't.

The truth is, with all due respect, your story is outside the parameters of the typical "journey to ownership" threads. Some of the things you said (wanting 300 points so your brother won't make fun of you, financing even though you have bill collectors, knowingly and willingly paying four times the cost than if you had purchased resale, etc.) are so outside of the parameters of the typical purchase discussions that people don't know what to make of it. I'm guessing that your story is perfectly legit, but also a bit, well, ridiculous. I'm not saying that in an insulting way, so I hope you don't take offense. I just mean that the choices you have made with regards to purchase size and financing options are well beyond anything that I (and many of the people who have spoken up on here) would be comfortable with.

In today's information age, these things tend to take on a life of their own. What started as a simple question on an internet bulletin board ended up being a pretty detailed insight into your personal and financial background. I think the lesson to be learned here is that we all need to be a little careful about the type and amount of personal information we choose to share in our posts. Especially if we are sensitive to the feedback we will inevitably receive.

To be perfectly forward, I'm predicting that your purchase will be problematic for you in the future. But along the same lines, I am truly hoping that it works out for you. Best of luck. :)
 



















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