[Resolved]  Club Jiva — Membership fraud

Address:	Mumbai City, Maharashtra
Website:	www.clubjiva.in

Was duped by Jiva Club at Manali on 03/01/16 wherein we were 'trapped' in a free gift in lieu of 1-hour seminar. Very rosy picture was explained to us on paper and 25 year's membership of 1.51L in 12 EMI of 12585/- looked very attractive. On the query of option of cancellation, we were told that it can be cancelled on proportionate basis. On annual maintenance I was told about 5500 PA in the very beginning of the talk, which never came out later (trick - I told you so..). Any way, when I gave my credit card, it was swiped for full 1.51L instead of the EMI. When asked, I was told that this is transaction to block the amount, but only the EMI amount will be claimed on monthly basis. We were offered tea and felt little uneasy. I tried to read the terms and condition of the Agreement, but they 'hurried' me pointing where I need to sign and blocking the right page with hand. I signed, only to find later after I reached my hotel - the following discrepancies:- a. There was no option of cancellation/refund (mentioned in the right page) whereas I was told that it can be cancelled. (How can a contract not have an exit route - I am sure it is against the Contract Law) b. Annual charge of 5500/- was applicable from 01.4.16 (hand-written), whereas on right page it was 01.10.16. (this we had forgotten as it was not discussed except a passing reference in the beginning). So, doubt came to mind. I then called up by bank if I will receive bill for EMI. I was told that merchant will be given full amount (but bank may offer conversion into EMI @24% interest). OMG! Duped. So, doubt further increased. Then spoke to Kusum Gupta of Jiva, who said not to worry, Jiva will claim EMI only. I now got the bill for full amount and promise of Kusum came out false. She doesn't pick the phone now. Later when I whatsapped to my friends, I was alerted about the fraud and was suggested to get it cancelled at least considering my age (55, retired from Armed Force) and other liabilities. Subsequently, I applied to Jiva for cancellation, but was refused. Now I am considering filing an FIR and pursuing my case through Sainik Board and Deptt of Ex-Servicemen welfare (Ministry of Defence) in addition to taking it to consumer court. I would like all those people who got duped like me, to unite and fight the case together. You can write to me at [protected]@yahoo.com and I will create a whatsapp/yahoo group to interact further. Looking forward to your support/suggestion to eradicate such wrong practices of business. Regards, Commander KK Chaudhary (Retd)