DVC has stopped returning borrowed points to original use year

Ooooh...sorry, but disagree.
Suspending banking-borrowing would be a disaster. Your contract is a set number of points, but your trip isn't that same number of points and was never meant to be. You think members are complaining now? Just suspend banking-borrowing and yearn for the good ol' days!
Taking cash resort inventory out of the system to make DVC members whole on the other hand, THAT would work, and would not be as big of a deal as you might think. Reason being, I believe occupancy will be really low in the next year or so. Better to open this up to DVC members needing to use their points than to leave it empty. That goes for all resorts, not just Riviera.

It’s in the contract that They can suspend banking and borrowing and doing that will, in future UYs, limit the points to exactly what is inventory.

It is not up to DVC or a Disney to make members whole at the expense of Disney parks and resorts,

Again, I am basing my comments on what we, as owners, have rights to expect via our POS. It is all of it that TWDC is not responsible in any way for DVC issues,

That is not to say they can agree. The issue is that opening up and changing the rules, if this last longer is going to be a problem,

So, could they declare 100% of RIVera and absorb the costs once its declared..,possibly. Will they? Doubtful

Im not meant to sound harsh and I had a March trip, as well as a May trip with vulnerable points.

We are owners and therefore, like it our not, any and all choices ARE going to fall on the membership to take care of, IMO, no owner should be expecting Disney to bail us out,

I personally prefer that the decisions are based on long term solutions than short term for people who chose to travel late in their UY when we all know that is risky to do,

ETA: What this has done for me, is forced me to actually read our POS to have a much clearer understanding of our rights. My advice is that all owners do.
 
Last edited:
I completely agree. I posted something below that is similar to your response. If you have an August-March UY, I would bank those points. The people that DVC should make an exception for are those with April and June UY's that had reservations in March, April or May. I can't imagine people in that exact situation represents an enormous population that would throw everything out of whack. Number one, the UYs is narrowed to April and June. Number two, contracts with those UYs would have to have reservations in March-May...again, a window of three months. IMO, it doesn't make sense the DVC wouldn't make it right for those people. Especially when word is already out that they were making that exact exception up until last week.

I think they could extend the banking deadline -- my proposal would be two months -- with limited impact on point carry-over. It could even be favorable. Here is my personal example. I am in the September use year and have to bank by April 30. My trip is in August, just before the use year ends, with roughly a 50-50 split between already banked points and points that could be banked. If the trip cannot happen I lose the previously banked points no matter what and I am fully resigned to that, and think it a reasonable result given the contract, the program, what I bought, and extraordinary circumstances. Tough luck but that's how it goes.

But, if there is no certainty by late April as to when travel can resume, and the banking date is not extended, I will cancel the booking, and salvage the bankable points before April ends. That's the conventional wisdom as the best course of action and I agree. If they extend the deadline, then either (1) the situation remains grim and I bank in June instead of April, or (2) the pandemic subsides and we can take our trip, which means I keep the booking, don't bank any additional points, and remove points from circulation for 2021. If they do not extend the deadline and the danger passes, then DVC ends up most likely with an empty room in August and a cancelled trip and me with extra points in 2021. It's pretty much win-win to extend the banking deadline so people must bank 2 months before the UY ends instead of 4. Four months is a reasonable deadline under normal circumstances. Making owners predict 4 months out if they will be able to travel under these circumstances is not realistic, and owners like me will react by being extra cautious. DVC management is entitled to hold to the standard deadline, but I'm not sure it is the best course of action for the program as a whole. I realize this seems counterintuitive, but I think it's right. If you believe I'm wrong I'm open to being convinced otherwise.
 
It’s in the contract that They can suspend banking and borrowing and doing that will, in future UYs, limit the points to exactly what is inventory.

It is not up to DVC or a Disney to make members whole at the expense of Disney parks and resorts,

Again, I am basing my comments on what we, as owners, have rights to expect via our POS. It is all of it that TWDC is not responsible in any way for DVC issues,

That is not to say they can agree. The issue is that opening up and changing the rules, if this last longer is going to be a problem,

So, could they declare 100% of RIVera and absorb the costs once its declared..,possibly. Will they? Doubtful

Im not meant to sound harsh and I had a March trip, as well as a May trip with vulnerable points.

We are owners and therefore, like it our not, any and all choices ARE going to fall on the membership to take care of, IMO, no owner should be expecting Disney to bail us out,

I personally prefer that the decisions are based on long term solutions than short term for people who chose to travel late in their UY when we all know that is risky to do,

ETA: What this has done for me, is forced me to actually read our POS to have a much clearer understanding of our rights. My advice is that all owners do.
Points noted and you are not wrong. I just don't think that opening up the other (cash) resorts would be that big of a deal. They will be losing money if the parks reopen and occupancy is low (and I really think it will be). Where would the DVC money come from to HELP support the cash resorts? Our MF's that have already been paid. Those were projected based on assumed wear-and-tear for 2020. With no one in the resorts, that figure goes way down ( I'm not saying it goes to zero but it does go down). I would much rather see DVC members get some value out of their points than to have MF's reduced in 2021 due to a surplus.

As for me I barely have a dog in the fight - my planned trip isn't until August and I have only about 20 of those points banked - the other points are current year and can be banked if it does get cancelled (Feb use year). We have a lot bigger problems to worry about if that happens I am sure. I just feel for the members who planned so diligently to use their points. Under normal circumstances the habitual, out-of-points borrowers would be jealous of the members who planned ahead with banked points. Don't know about you, but "worldwide pandemic" certainly didn't come up in my DVC presentation. The fact that i am not standing to lose a whole lot doesn't mean I am smart, it means I am lucky.
 
I think they could extend the banking deadline -- my proposal would be two months -- with limited impact on point carry-over. It could even be favorable. Here is my personal example. I am in the September use year and have to bank by April 30. My trip is in August, just before the use year ends, with roughly a 50-50 split between already banked points and points that could be banked. If the trip cannot happen I lose the previously banked points no matter what and I am fully resigned to that, and think it a reasonable result given the contract, the program, what I bought, and extraordinary circumstances. Tough luck but that's how it goes.

But, if there is no certainty by late April as to when travel can resume, and the banking date is not extended, I will cancel the booking, and salvage the bankable points before April ends. That's the conventional wisdom as the best course of action and I agree. If they extend the deadline, then either (1) the situation remains grim and I bank in June instead of April, or (2) the pandemic subsides and we can take our trip, which means I keep the booking, don't bank any additional points, and remove points from circulation for 2021. If they do not extend the deadline and the danger passes, then DVC ends up most likely with an empty room in August and a cancelled trip and me with extra points in 2021. It's pretty much win-win to extend the banking deadline so people must bank 2 months before the UY ends instead of 4. Four months is a reasonable deadline under normal circumstances. Making owners predict 4 months out if they will be able to travel under these circumstances is not realistic, and owners like me will react by being extra cautious. DVC management is entitled to hold to the standard deadline, but I'm not sure it is the best course of action for the program as a whole. I realize this seems counterintuitive, but I think it's right. If you believe I'm wrong I'm open to being convinced otherwise.

If you cancel by your banking window, it opens up that August room. That puts a room back in inventory which now allows for it to be rebooked by someone else,

So, it does help to pick up the slack for rooms out of service now. By extending banking deadline for someone who is still in their banking window, but just wants to have more time, holds that room for two extra months, releases later on, and then puts those points back,

While not ideal for you specifically as to have to make the decision so far in advance, for the system as a whole, I see it as a way to mitigate things,

I have points tied up in May that if I cancel now, I can still bank as I have an Aug UY. I’m choosing not to and do not expect....nor do I want....them to extend my banking deadline because I have a responsibility, to limit my losses when I know I can.

I see it as a case as I can’t have my cake...keep my reservation to the last minute...and eat it too...be given an extension on my banking deadline.
 
Last edited:


Points noted and you are not wrong. I just don't think that opening up the other (cash) resorts would be that big of a deal. They will be losing money if the parks reopen and occupancy is low (and I really think it will be). Where would the DVC money come from to HELP support the cash resorts? Our MF's that have already been paid. Those were projected based on assumed wear-and-tear for 2020. With no one in the resorts, that figure goes way down ( I'm not saying it goes to zero but it does go down). I would much rather see DVC members get some value out of their points than to have MF's reduced in 2021 due to a surplus.

As for me I barely have a dog in the fight - my planned trip isn't until August and I have only about 20 of those points banked - the other points are current year and can be banked if it does get cancelled (Feb use year). We have a lot bigger problems to worry about if that happens I am sure. I just feel for the members who planned so diligently to use their points. Under normal circumstances the habitual, out-of-points borrowers would be jealous of the members who planned ahead with banked points. Don't know about you, but "worldwide pandemic" certainly didn't come up in my DVC presentation. The fact that i am not standing to lose a whole lot doesn't mean I am smart, it means I am lucky.

The MFs do not cover the lost income of a cash reservation. Currently, with the resorts closed, there is very little at this point in terms of a reduction of costs, to DVC as CMs are being paid.

In essence, what the plan would involve is allowing DVC members to reserve those rooms for free, from the standpoint of Disney Resorts division, because points have no value.

Those rooms would not remain empty if they came up with a huge discount for cash guests. In order for those rooms to be available for DVC points, it has to become declared inventory, which then, if I understand it, makes Disney responsible for the dues for points. That increase their expenses with getting very little in return.

I agree this is not something that was for seen, but it still goes back, at least for me, to understand that it is not Disney’s responsibility to fix this for us. It is up to us, as the owners, via our management system of DVC, to try to find ways forward that minimize the long term crisis on our system.

Now, if DVC is able to negotiate plans like you say and that is what happens, wonderful! That is different then owners being upset that they made a choice that put points in risk, and now want everything in the contract ignored,
 
If you cancel by your banking window, it opens up that August room. That puts a room back in inventory which now allows for it to be rebooked by someone else,

So, it does help to pick up the slack for rooms out of service now. By extending banking deadline for someone who is still in their banking window, but just wants to have more time, holds that room for two extra months, releases later on, and then puts those points back,
All true in normal circumstances. Forcing people to decide 4 months out allows DVC to manage inventory better and lets other members pick up openings. Not sure it's accurate now.

First, let me say I think I'm canceling no matter when the deadline is. Maybe because I'm in New York, but I have low expectations this clears up enough even by June to give me sufficient confidence we can travel in August. So this is almost moot even for me. I personally guess that the chance this policy change would make a difference for me at 5-10%.

But back to the hypothetical, with a 4-month banking deadline, I'm definitely banking 137 points in April that again will be in circulation starting Sept 2020. The benefit to DVC is maybe somebody books my open room (and all the other rooms opened by similar cancellations) and uses up more points than the 137 I save. Under the circumstances I'm not sure it's a good bet that new bookings will more than compensate for the points that people will bank given the deadline. I'm also sure DVC management has more info and better tools to analyze that likelihood than you or me, so I respect disagreement on this point and leave it at that.
 
Confused; I borrowed next years points for a trip this summer we will likely miss due to this big mess. Is the policy that they will allow us to put the points back to 2021 where we borrowed them from or not?
 


All true in normal circumstances. Forcing people to decide 4 months out allows DVC to manage inventory better and lets other members pick up openings. Not sure it's accurate now.

First, let me say I think I'm canceling no matter when the deadline is. Maybe because I'm in New York, but I have low expectations this clears up enough even by June to give me sufficient confidence we can travel in August. So this is almost moot even for me. I personally guess that the chance this policy change would make a difference for me at 5-10%.

But back to the hypothetical, with a 4-month banking deadline, I'm definitely banking 137 points in April that again will be in circulation starting Sept 2020. The benefit to DVC is maybe somebody books my open room (and all the other rooms opened by similar cancellations) and uses up more points than the 137 I save. Under the circumstances I'm not sure it's a good bet that new bookings will more than compensate for the points that people will bank given the deadline. I'm also sure DVC management has more info and better tools to analyze that likelihood than you or me, so I respect disagreement on this point and leave it at that.

Just remember, I am in the same boat, but looking at this from beyond me, I have the ability to limit my losses. It’s selfish of me to not, and then in a month from now, claim harm And expect DVC or Disney to fix it,

People who were beyond their banking window, April and June UY people, had no choice once resorts closed, So, I do get why making adjustments for them

As I mentioned, I am gambling and keeping it. I know it’s a risk, and I’m okay with that. I was simply trying to give you an example of how canceling now can help. When I canceled my March trip, I did indeed pick up rooms for August so the bulk of my points were kept in in the same UY..

As you said, it is really up to DVC to decide how to deal with members like you and I who has the opportunity to still bank and didn’t.
 
June UY and had 45 points tied up in a April 3-9th reservation, they put the 45 points back to 2019, no way in heck we can use them by May31t, and we can do nothing about it?!
 
IF they allow any exceptions then what if John Doe in 5 months have forgot about his banking window shouldn't he get an exception too then? in that case the impact would be non-existent as its only one member. DVC need to draw a line now and not allow anyone any exceptions when it comes to banking.
There's a big difference between forgetting to bank your points by the deadline and all the resorts and parks being closed due to a global pandemic. If they do allow banking exceptions for the latter, it in no way sets a precedent that they should do so for the former.
 
There's a big difference between forgetting to bank your points by the deadline and all the resorts and parks being closed due to a global pandemic. If they do allow banking exceptions for the latter, it in no way sets a precedent that they should do so for the former.

True, but right now you really are dealing with April and June UY points. So, I can see possibly extending those And those with points that will expire during resoet closures.

But, anyone who has a reservation in the next few months and is still in their banking window, knows that there is an crisis. They can protect the points and are choosing not to.

I see it as two different scenarios.
 
Sorry i'm not hoping they would do that. IF they allow any exceptions then what if John Doe in 5 months have forgot about his banking window shouldn't he get an exception too then? in that case the impact would be non-existent as its only one member. DVC need to draw a line now and not allow anyone any exceptions when it comes to banking.

They have long made that exception as has been reported time and again by members who forgot. Zero precedence that would be set with making an exception this time.

I have points tied up in May that if I cancel now, I can still bank as I have an Aug UY. I’m choosing not to and do not expect....nor do I want....them to extend my banking deadline because I have a responsibility, to limit my losses when I know I can.

There's a big difference between your situation and the current situation of April and June UY's. They had no warning to be able to make the choice. You do.
 
They have long made that exception as has been reported time and again by members who forgot. Zero precedence that would be set with making an exception this time.



There's a big difference between your situation and the current situation of April and June UY's. They had no warning to be able to make the choice. You do.

Yes, I was responding to someone with an Aug UY as to why only April and June UY have a possible reason to get an exception. The rest of us don’t if we choose not to cancel and bank now.
 
Confused; I borrowed next years points for a trip this summer we will likely miss due to this big mess. Is the policy that they will allow us to put the points back to 2021 where we borrowed them from or not?

They have not stopped putting borrowed points back in their use year. I just cancelled my trip for April 25-May 3. They put my borrowed points back into 2021 (she said it won't reflect that way immediately when I log back in, but the policy is still in place). My use year worked out so I can still bank my 2020, if needed. She recommended that if I can't use my 2019 banked points in time, I should drop them in my RCI bucket which can be used to up to 2 more years.
 
I’m from CT, we have a trip planned for May 3-10. We have an August use year & borrowed points in addition to using 2019 points. Now the governor of FL says anyone coming from CT has to be quarantined for 14 days (the majority of our cases (270/415) are in the Sw part of the state where people commute to NYC, not where I live).

And FL has more cases right now than CT.

Ugh....
 
Sorry i'm not hoping they would do that. IF they allow any exceptions then what if John Doe in 5 months have forgot about his banking window shouldn't he get an exception too then? in that case the impact would be non-existent as its only one member. DVC need to draw a line now and not allow anyone any exceptions when it comes to banking.

They could allow you to bank to RCI even with short notice then you can still use your points and the inventory wont take a big hit for the foreseeable future. Maybe even allow all members to use points towards the regular Disney hotel. Another maybe not so popular options is to create another membership magic "event" only for eligible expiring or expired points.
Totally different situation. In your example, that would be John Doe's fault for forgetting his banking window. No different if there was no coronavirus. That's why if you have a UY after June, you better consider banking those points ASAP. In the real world situation we are in, people with June UYs didn't forget anything (like your John Doe did). The parks closed down during the period in which they had reservations, which happened to also be after their banking window had already past. It's no one's fault, but Disney has the power to do something for people in that situation. We are not talking about every DVC member here, just people in that situation.
 
I think they could extend the banking deadline -- my proposal would be two months -- with limited impact on point carry-over. It could even be favorable. Here is my personal example. I am in the September use year and have to bank by April 30. My trip is in August, just before the use year ends, with roughly a 50-50 split between already banked points and points that could be banked. If the trip cannot happen I lose the previously banked points no matter what and I am fully resigned to that, and think it a reasonable result given the contract, the program, what I bought, and extraordinary circumstances. Tough luck but that's how it goes.

But, if there is no certainty by late April as to when travel can resume, and the banking date is not extended, I will cancel the booking, and salvage the bankable points before April ends. That's the conventional wisdom as the best course of action and I agree. If they extend the deadline, then either (1) the situation remains grim and I bank in June instead of April, or (2) the pandemic subsides and we can take our trip, which means I keep the booking, don't bank any additional points, and remove points from circulation for 2021. If they do not extend the deadline and the danger passes, then DVC ends up most likely with an empty room in August and a cancelled trip and me with extra points in 2021. It's pretty much win-win to extend the banking deadline so people must bank 2 months before the UY ends instead of 4. Four months is a reasonable deadline under normal circumstances. Making owners predict 4 months out if they will be able to travel under these circumstances is not realistic, and owners like me will react by being extra cautious. DVC management is entitled to hold to the standard deadline, but I'm not sure it is the best course of action for the program as a whole. I realize this seems counterintuitive, but I think it's right. If you believe I'm wrong I'm open to being convinced otherwise.
I see your point, but I have to disagree. In your situation, you are not getting blindsided by the situation. You have time to decide if you need to cancel your trip and bank those points. That window has not come and gone yet for you. If you roll the dice and keep the reservation, go past the banking window, and then find out the resorts will remain closed? Well, that was a gamble you took and lost. People with April and June UYs are the ones most affected by this situation because they didn't have the option to bank their points. If those people had reservations for March or April (assuming the parks don't open in April, and May could be included too if the parks don't open in May either), they are going to lose those points. Those are the people who have a valid gripe when it comes to points.
 
June UY and had 45 points tied up in a April 3-9th reservation, they put the 45 points back to 2019, no way in heck we can use them by May31t, and we can do nothing about it?!
We are in the same boat. June UY and had borrowed 200 points from 2020 for reservation starting April 12th. I haven't cancelled the reservation yet. I have heard (and am hoping) that they can't/won't bank points in our situation if the parks aren't technically closed yet. Disney and DVC are still sticking to the thought that they will be open April 1st, so it is still technically "our" decision if we want to cancel. Once they officially announce that the parks/resorts will remain closed into April, then things may change as far as banking those points because it then becomes "their" decision. I'm holding out hope.
 
True, but right now you really are dealing with April and June UY points. So, I can see possibly extending those And those with points that will expire during resoet closures.

But, anyone who has a reservation in the next few months and is still in their banking window, knows that there is an crisis. They can protect the points and are choosing not to.

I see it as two different scenarios.
I completely agree. If someone is still in their banking window and chooses not to bank those points, that is on them.
 
I completely agree. If someone is still in their banking window and chooses not to bank those points, that is on them.
I have emailed DVC on this and not heard back, I do NOT want to lose what I had. I had fully intended on using those points which was why they werent banked by my window, they were IN a reservation that I had intended on going on.
 

GET A DISNEY VACATION QUOTE

Dreams Unlimited Travel is committed to providing you with the very best vacation planning experience possible. Our Vacation Planners are experts and will share their honest advice to help you have a magical vacation.

Let us help you with your next Disney Vacation!






Top