Sorry this has taken so long to reply too.
But it's good news. We worked out what our back payments were,
DVC gave us a bit of a break, we sent them a bank check, made our annual dues payment and we are back in business. AND they reinstated our points from last year. Thank you all so much for all of the support, good wishes and info.
August 15th can't come fast enough now.

Pam & Joe