Club Mahindra Holidays — Club Mahindra Bliss Membership

I had taken a club Mahindra Bliss membership[protected] in the beginning of 2020 from Thrissur Kerala, The manager explained me the product details in detail and was patient enough to answer my queries. But " THE CANCELLATION POLICY WAS NOT EXPLAINED". Later After few days I got a Validation call from Club Mahindra in which also " THE CANCELLATION POLICY WAS NOT MENTIONED and obviously not EXPLAINED".

Till now I have not used even a single holiday and has been paying club Mahindra holidays an EMI of 5000 and had paid a total of nearly 2, 00, 000 /Rs in deposit and other charges

Due to financial constraints I am not able to continue with the policy and asked for a refund of a product which I have not used even once .

The company not only denied the same but what I got from the managers in Kochi office was rude behaviour .

1) How would a customer know your cancellation and other policies when he is not being presented or explained .

2) How does a validation call can prove I am in agreement with your terms and conditions when they haven't explained it in detail especially the cancellation policy.

3) Even The membership kit you couriered me does not have a leaflet of your terms and conditions so how am I supposed to know.

So in which of our conversation or documentation this "CLAUSE 8.2 WAS DISCUSSED"

MY CASE STANDS WELL IN THE CONSUMER PROTECTION ACT (CPA) SECTION 48, SECTION 51 AND SECTION 68.

The fact of non refundable amount is totally unacceptable and I would have to access my legal rights through proper channel.

I would again request you either you cancel my membership with a acceptable10-15% deduction or simply convert the applicant name and I will continue with the policy or change the policy itself .