Nope, never said that and I see your point. There is a lot we don't know here. Are these points banked? Current? Borrowed? No idea. How much did the points cost the owner? Also, no idea. We do know that the OP is out $5K. If they offered the owner $2k to cover MFs regardless of point status that seems more than fair. Would the owner take a loss with that settlement? Maybe a little when you consider depreciation (i.e. one less year left on the contract) , but think of the businesses that are losing everything right now. Taking a small loss on something that is not supposed to be an "investment" in the first place seems lucky. Keep in mind, the OP is out whatever they end up giving the owner and they are getting NOTHING. The problem we have as we know it is that the owners is not communicating at all, meaning they are getting the full $5k as it stands and, I agree with the OP, that is not fair.While I don’t condone making a profit from someone’s pain, I think you’re mistaken when it comes to the value of those lost points. It’s not just the annual dues but also what it cost that owner to purchase those points to begin with. I have no idea what the OP paid per point. I’m not going to attempt the math. And I don’t know what the owner paid for their DVC contract. For all we know, they took in less than they spent on those points. There are a lot of owners who rent their points just to recover their expenses. This owner could be one of them. Please don’t assume that anything over the cost of annual dues is a profit. It’s not.