One last word on paying by credit card.
In the past I normally paid by credit card because it was just easier and saved me time and hassle.
This year after all the discussion on costs I decided to try and save the association the money and pay by US Money Order.
I went to my Canadian Bank,purchased U.S. dollars at 27% exchange,mailed it registered mail February 3rd [cost of $15] anticipating arrival at the Atlanta address on the billing info in lots of time to beat the February 14th deadline
I called Hilton to check they had received it on February 15th and they said they had not, so after contacting Astra at HGVC and providing all the info ,money order amount,date, number,etc they were finally able to find it and it was posted to my account February 17th [ 3 days past the deadline]
They are now charging me the late fee $25,and I am really ticked off about the whole thing
Next year it is credit card.
No hassle, no screw ups, no long distance ,no registered mail fee and no penalty of $25

Hugh, I am truly sorry for the difficulties you encountered in payment of your maintenance fees. With the mailing date and money order date to back you up, I certainly favor refunding any late fees.
The board recognizes that for our owners who live outside the United States, credit cards are a much better option for payment due to exchange rates, postage and mail delivery time.

Please don't hesitate to use your credit card in the coming years. Hope you have a great visit to Casa Ybel this year.