DVC has been overly accommodating, probably to the long term (next 5 years) detriment to the system, given the points that will flood it when this finally passes.
Borrowed points are STILL being returned to their former use year, so the owners won’t forfeit them. Current use years can be banked forward and late (after deadline) banking was allowed. Those who are losing points are those who were trying to use banked 2018/9 points & to be honest, this is not a wise way to use DVC. Many of these members were attempting to use points in the last 4 months of their use year when they can no longer be banked (past deadline). This is not smart. Use years exist for a reason. Those points can be put into an RCI exchange up to 45 days prior to expiry with properties in CA EU etc available. RCI extends the life of the points by 2 years. It is not considered a « good » trade because DVC properties are more coveted than those in the RCI system, but
Those that rented have had some success via chargebacks on their CC. Others don’t understand that option exists and honestly I have no clue why everyone wouldn’t immediately try for a CC reimbursement.
All that to say that any Canadian DVC owner using the excuse that they have to go is full of it