Club Mahindra Holidays — club mahindra unfair refund policy

This is to inform you that on last october 2017 i had taken a membership from club mahindra, abu dhabi representative. I paid 50% of the total membership fee as a down payment when i joined the club and the balance amount paid by monthly emi of 8100 rupees for 24 months.
During these 3 years, i couldnt use any of the provided 7 holiday stay at their any of resorts. Now i would like to cancel my membership and get refund.
When i i requested them to refund the money and cancel my membership. But now they are refusing to provide refund and saying that they dont have any refund policy as per their company policy and says maximum they can give 40% of total membership fee but that is unfair. Now they forcing me to continue with the membership. As i didn't use any sort of holiday package and offered facilities from club mahindra, i strongly request you to consider my complaint and do the needful to get me justice on the subjected matter.