I have been a DVC member since 2000. I have over 700 points and have faithfully paid down my loans with no issues. This past Jan., I was late with my payments on my remianing contracts due to issues beyond my control. That being said, I got all caught up in Feb. I wanted to take advantage of the new incentatives 100 points get 120 points - made it all the way until the deal was stopped by the DVC credit, beacsue I was not current the past 12 months. I have been currrent the past 12 years excpet for 1 month. They denied my points unless I gave them full acess into my finances. I was to say the least disgusted and angry. It's amazing how they are slowley losing the human side. I called and wrote letters and all I got was we will bring it up to the higher ups. I wanted the extra points to give them to my family. They were very cold to me in my phone calls and was disapponted in that treatment, but, it is what it is So, I remain in Disney prison, until next Feb, when my sentence is up.