I understand the frustration the OP has had. I guess I will be the one that so far has enjoyed using the DVA, and here is my reasoning. I'm a horrible saver. If I have access to the money, chances are that I will spend it. With the DVA, the only way I can spend the money is if I am paying for the trip to WDW or wherever we are going. I know for a fact that if I had the money in a jar in the house or in a separate bank account, I would be tempted to go and spend it, however with the DVA, it is out of sight out of mind for me. I have heard bad stories and I have heard good stories about the DVA, and I guess I am trying to say that while what the OP has gone through is a horrible experience, do your research and make a decision that is best for you. I was a member during the issues that occurred last summer, however I decided to stick around, and I do not regret it yet. Now, if I have the same issue that the OP had when I go to book my trip, my opinion may change, but I have heard other stories from people who have enjoyed the DVA also. Once again, I am sorry to hear that you went through this OP.