[Resolved]  Club Mahindra Holidays — 1.25 lakh paid up not a single day availed neither transfer nor refund given

Address:	Mumbai City, Maharashtra, 400615
Website:	www.clubmahindra.com

I was sold this membership by a salesman who said that this membership was transferable in case I had any issues later anddont want to continue.
I paid regularly for 3 years -- 2009 thru 2011 november: But I recall that whenever I tried to book for a destination and given dates ( within my membership plan - white studio) I was always told that I would have to go to a different location on different dates! This made it impossible to use -- so when i requested for transfer -- I got a shock : They wouldnt take responsibility of transfer -- I had to find someone !! Andfor refund -- they would not give any refund UNLESS 100% of their EMIs were paid !!
I have not used a single day of their holiday -- kindly help me get back whatever amount from the 1.25 lakhs paid up value.
To my refund requests =- I got the standard answer - as per terms and conditions signed -- I cannot claim any refund and once cancelled for discontinuing -- I will get zero amount refund.