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.
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    Club Mahindra Holidays Phone
    +91 44 3988 1000
    +91 44 6695 3435
    Club Mahindra Holidays Address
    Mahindra Towers, 2nd Floor, 17/18, Patullos Road, Mount Road, Chennai, Tamil Nadu, India - 600 002
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