Club Mahindra Holidays — No refund provided even when not a single holiday was used

I have paid total of approx 84k in EMI and advance to club Mahindra. I recently informed them That I want to cancel my membership. Post I sent an email request they are now informing that cant refund as I have paid less than 60% of plan amount. I was sold on EMI based plan. An the executive who sold me plan told me that that 60/40 ratio would be applied in case of cancelled. i.e 40% amount was expected in refund. Now they are sharing email updates with same email content from different executive.