DVC T &C Personal Use - Only Thread to Discuss!

[PlutoNotPlanet]

will a contract stripped of 2025 or 2026 points have the dues paid?

No, because those dues are not due yet. But the sell might reimburse you (essentially by subtracting the amount using this year's due amount from the full price). Especially for current year 2025, there are options: buyer pays due, seller pays due, seller pays prorated due

 

[Mouseforward]

Are they really? Resale brokers sure, but DVC guides shouldn't be discussing renting at all.

It was openly discussed, right at the kiosk in 2022 . The whole " renting bad" is a new thing for DVC it used to be a selling point.

 

[CraigInPA]

Bots have been getting around security features like Captcha for almost a decade.

CAPTCHA and reCAPTCHA: How Fraudsters Bypass It

Perhaps not Capcha, per SE, but a similar technology could foil bots. And, make no mistake, the people employing these bots aren't going to invest a fortune in adding AI or linking cell phone MFA to their bot, or even figure out how a 1000 rotating variable round robin post back mechanism would work.

 

[speedyfishy]

Making an assumption here - will a contract stripped of 2025 or 2026 points have the dues paid?

It’s negotiable, but most stripped come with a credit for “dues”

 

[Mouseforward]

Perhaps not Capcha, per SE, but a similar technology could foil bots. And, make no mistake, the people employing these bots aren't going to invest a fortune in adding AI or linking cell phone MFA to their bot, or even figure out how a 1000 rotating variable round robin post back mechanism would work.

2FA would be better than Capcha since it would tie to a cell account, dramatically raising costs for the click farms.

 

[Sandisw]

It was easier to split up contracts when Disney paid the closing costs, bought back a year of points to reduce your buy in and found your first stay for you.

Now splitting up a 300 point buy in 2-3 ways gets a bit costly.

On another note, I'm thinking of going contract shopping. My family got bigger this year and I'd like to do the multigenerational thing a few more times. I won't need any extra points before 2027.

Making an assumption here - will a contract stripped of 2025 or 2026 points have the dues paid?

(Don't bother with the 'why don't you just rent' advice <g>.)

All negotiable for dues. Owners can’t prepay them so what the do is give you a credit, based on current rate, toward them and then you would pay when billed.

I don’t know if those who buy have ever negotiated a reimbursement higher than current.

 

[davidhr]

Perhaps not Capcha, per SE, but a similar technology could foil bots. And, make no mistake, the people employing these bots aren't going to invest a fortune in adding AI or linking cell phone MFA to their bot, or even figure out how a 1000 rotating variable round robin post back mechanism would work.

I suggest this. It’ll make things fair for everyone

https://www.reddit.com/r/badUIbattles/comments/s8u3v6/checkboxes_with_a_50_success_rate

 

[muppets3d]

It’s negotiable, but most stripped come with a credit for “dues”

I've never seen a stripped contract where the buyer is expected to pay dues on points they're not receiving.

 

[muppets3d]

2FA would be better than Capcha since it would tie to a cell account, dramatically raising costs for the click farms.

DVC tried to institute 2FA a few years ago, but quickly rolled it back. I don't recall why - maybe they weren't ready to fight the rental cabal yet? They did later require 2FA when accessing the mortgage section of the site, however.

 

[Cfabar1]

DVC tried to institute 2FA a few years ago, but quickly rolled it back. I don't recall why - maybe they weren't ready to fight the rental cabal yet? They did later require 2FA when accessing the mortgage section of the site, however.

Maybe because it is a pain and nobody likes it...

 

[Mouseforward]

DVC tried to institute 2FA a few years ago, but quickly rolled it back. I don't recall why - maybe they weren't ready to fight the rental cabal yet? They did later require 2FA when accessing the mortgage section of the site, however.

LOL they goofed it so bad. they were not checking the 2fa code correctly and it was letting people in without a password. It made your account less secure -Not Disney ITs best moment and that's a low bar.

There are some cool threads on it here

 

[Sandisw]

Are they really? Resale brokers sure, but DVC guides shouldn't be discussing renting at all.

Whether they still do, I don’t know but it was definitely something that was mentioned during conversations.

If you were buying when they had that general guidance that more than 20 reservations in a rolling 12 month period would trigger a review, it fit because it’s pretty hard to make that many with 300 or 500 points.

If asked, even today, most will give the standard line…you are allowed to rent but not for commercial purposes and leave that interpretation up to the owner…which matches what they have on the DVC website.

 

[muppets3d]

LOL they goofed it so bad. they were not checking the 2fa code correctly and it was letting people in without a password. It made your account less secure -Not Disney ITs best moment and that's a low bar.

There are some cool threads on it here

It seems like the issues have been fixed, I haven't heard of any issues using the mortgage side of the site now - granted I don't have a mortgage on my DVC points so I have no first-hand experience. I don't recall having any issues with the 2FA when it was used on the main site but it didn't last long, I don't even know if I actually used it. It's been a few years.

 

[Judique]

Are they really? Resale brokers sure, but DVC guides shouldn't be discussing renting at all.

Yes, without mentioning the guides' name, I had a guide make this suggestion and who also informed me that he personally did it.

 

[BrianLa]

I don’t know anything about stripped contracts and dues but … let me leave you with a mental image of what that extra $500 in closing costs can save you from, and then you can decide if it’s worth it. You die and Timmy and Suzie inherit your points and all is well for a few years. Until Timmy marries a psychopath. Timmy and his wife begin calling member services and canceling Susie’s reservations and hogging the points. Timmy comes to his senses and divorces the crazy but your contract (in some states) is considered a marital asset. Or worse … Timmy’s crazy wife gets sued and loses and your contract is an asset and Suzie loses her equity …… pay the $500 and save Suzie from Timmy’s future crazy …

Would having the DVC points in a trust prevent this ie the marital asset, crazy in-law?

 

[Sandisw]

It was openly discussed, right at the kiosk in 2022 . The whole " renting bad" is a new thing for DVC it used to be a selling point.

Just to bring it back to the meeting last year, they acknowledged it is allowed but what they wanted to do was identify and go after the large point owners in it to make money.

Just like ths updated sentence, where they don’t define frequently or regularly. they did not define large point owners either.

I have to imagine that line of thinking will play a role in who is at risk for being seen as using their membership commercially.

I really hope someone asks about this next week. .

 

[muppets3d]

Just to bring it back to the meeting last year, they acknowledged it is allowed but what they wanted to do was identify and go after the large point owners in it to make money.

Just like ths updated sentence, where they don’t define frequently or regularly. they did not define large point owners either.

I have to imagine that line of thinking will play a role in who is at risk for being seen as using their membership commercially.

I really hope someone asks about this next week. .

The timing is rather interesting isn't it? It seems like they would expect this to be a big topic of discussion during the meeting since this change to the booking engine happened just a week or 10 days prior to the meeting.

 

[Judique]

Maybe because it is a pain and nobody likes it...

I may get to like it if it protects me. I have to do a number of 2 fa's on various accounts I have. In fact other than credit cards, almost all my accounts are 2fa.

 

[Mouseforward]

It seems like the issues have been fixed, I haven't heard of any issues using the mortgage side of the site now - granted I don't have a mortgage on my DVC points so I have no first-hand experience. I don't recall having any issues with the 2FA when it was used on the main site but it didn't last long, I don't even know if I actually used it. It's been a few years.

It was something that software people notice , and the innocent public doesn't - we try to break things out of habit. Like attempting to log in without a password.

 

[Sandisw]

The timing is rather interesting isn't it? It seems like they would expect this to be a big topic of discussion during the meeting since this change to the booking engine happened just a week or 10 days prior to the meeting.

Yes…and one of the other comments last December was they hoped by next year it wouldn’t be the same conversation regarding it.

I don’t expect them to define anything because it would have been easier to do it in the terms.

But it was very purposeful to not use the words yearly, monthly, etc but instead used regularly.

It allows them to decide how narrow or broad to define it.

But if it’s asked, their answers could give insight. If they talk about it in terms of large points owners again, it does imply that is the target.