Not so general resale question

[rock_doctor]

Hi all,

I did not want to hijack any body eases thread so i figured i would ask in this one. We realized we need 100 more points so we plan to add on and buy a contract with the same UY that we already have. Unfortunately, we need to make the reservations next week so we plan to borrow the needed points from 2012 to make the reservations (assuming they need all of the necessary points available when making the reservation) but by the time we make the stay the resale 100 pt add on will be in the account and the borrowed points will not be needed. We are holding out for a loaded contract (2010 and 2011 points with a March UY).

Here is my question...
- is there an easy way to have the add on points titled so that the points could be used w/o having to transfer from the resale to the other contract?

- when we make the stay will they use our 2011 points including the 100 pt add on or insist on using the borrowed points from 2012 (ignoring the 100pts)?

I hope this makes sense. I have read everything i can but for the life of me i can't get a solid hold on the borrow, bank and transfer policies.

Thanks for the help, it is appreciated!

 

[cvjw]

If you buy another contract with the same use year, make sure that the deed is titled exactly the same way as your first contract. I always put my DVC number on the closing documents in hopes that Disney will see it and make sure it goes under my master contract. I don't know about the switching out of points - I'm sure someone else will.

 

[chalee94]

- when we make the stay will they use our 2011 points including the 100 pt add on or insist on using the borrowed points from 2012 (ignoring the 100pts)?

not sure exactly what you are asking but here are some things to consider:

i wouldn't wait till your stay to sort things out. any changes you try to make at the resort will increase the risk of points being mishandled - make any changes as soon as possible by calling MS.

the points you borrow from 2012 will stay in 2011 and cannot be put back into 2012 - banking and borrowing are "final" - you cannot undo them.

if your resale has the same home resort, MS should be able to swap out 100 banked 2010 pts for current 2011 pts which can be banked forward into your 2012 UY. but if it's a different home resort, MS may be able to re-allocate points if it violates the home resort window (if you book at 11 months with home resort pts - you cannot simply re-allocate at 7 months with non-home pts to skirt the home resort priority.)

 

[rock_doctor]

Ok so if i understand correctly...if i borrow from 2012 i must use them but if i buy the 2011 points i can just bank them and use them in place of the borrowed 2012 points for my 2012 reservations... That is a good thought...

The points will be for the same resort that my other points are for (all for BLT). So we will try listing our current numbers on the new purchase and see if we can include a note for DVC.

When we make the reservation will i need to have all the necessary points available in the account i.e. will they make me borrow the 100 pts from 2012 now before they make the reservation or when it comes time to make the stay? The reason being...i would have to borrow the points now but by December the add on points will be available and the borrowing will not be necessary.

thanks for the responses. I otherwise would have to ask MS and i am not sure they would be happy to supply information based on a future purchase that does not involve Disney.

 

[palhockeymomof2]

when you make the reservation they will have to borrow the 2012 points then

 

[maburke]

It sounds like it might not be worth holding out for a contract with 2010 points, since they AND the points you borrow now will have to be used by March 1, 2012.

 

[rock_doctor]

I agree seems easier to just grab one that has the proper 2011 points coming. Thanks to all i have my answers.

The only real problem now...ever time we go we realize we need more points... Where does it end????????