WOW.
A question about BWV/
DVC accounting not locating charges to a specific credit card number provided by the credit card holder has suddenly been 'reframed' into:
bashing DVC owners who rent or lend points out and then not taking responsibility for issues having nothing to do with room occupancy issues.
As Jim MIA stated...the RULES state: acts or omissions and there were no acts or omissions by the BIL. However, taking the entire text and applying English (and legal) syntax/grammar 'rules':
...."All renters and exchangers must comply with the rules and regulations affecting occupancy of Vacation Homes, and the renting Owners will be responsible for the acts or omissions of their renters or any other person or persons permitted by the Owners to use a reserved Vacation Home.....it must be noted that the specific acts and omissions must refer back to 'affecting occupancy of Vacation Homes'.
Charging purchases to a credit card is not related to occupancy...meaning that the shops, tours, tickets, restaurants, front desk and valet all accept credit cards for payment without any specific occupancy requirement. So in a court of law, I seriously doubt that that particular RULE would hold any water insofar as the DVC owner being held responsible for someone else's credit card charges.
If I were OP, I would pursue this in writing. First, I suggest a letter to the DVC liason. Then to the manager of the resort (Alfredo). Then to Disney accounting or operations. I suggest that the letter be structured by asking for written 'clarification' of any policies regarding the incident with written statute to back those 'policies' up.
Disney offers all of its guests room charging opportunity. Actually, hotels prefer having that credit card on file...so that if there are damages to the room, or phone charges not registered before check-out, that the hotel simply charges the CC given. If Disney extends this service to owners AND cash renters and 'guests of owners' alike...then there needs to be some cross the board handling of it.
I need a clarification here for my personal future reference. If I go to Disney as an owner....can I charge to my room WITHOUT providing a credit card? I didn't think I could....but I believe that ONLY if room charges can be charged without a credit card, could there be any way to hold OP for the charges.
Of course, that is just my opinion, based on common sense: if someone finds my room key and makes charges to the room on it, then I am liable. If someone finds my CC and makes charges, I am protected. And if someone presents his credit card to pay for our dinner, and later DIsney finds that his CC is fraudulent...they cannot come back to me, just because I shared a table at the restaurant.
OP...please get a clarification and hopefully an apology and finally some guidance as to what we should do in the event that someone other than owner is staying at a Disney Resort.