[Resolved]  Club Mahindra Holidays — not allowing holidays in spite of having a credit of 21 days

I have been a member of club mahindra holidays for last three years. (Membership id 2761903). Since my enrollment, i have never been able to avail any holidays as the resorts are not available when i want to avail a vacation. I have regularly paid all the dues which includes the membership fees & the annual asf. This year's asf invoice was raised on 9th sep 2019 with a due date of 22nd sep 2019. When they sold me the membership, they never told me about the due date for asf invoices. They had clearly said that the asf has to be paid within the year.
Now i want to avail holidays against my previous credited nights, but club mahindra is denying the holidays stating reason - overdue asf for current year. This is absolutely unjust. I have invested more than inr 4.5 lacs so far in this membership, but they deny holidays for current year dues of inr 15507.
Now if i want to cancel the membership, they would only refund 40% amount paid which means a total loss to me.
I would urge people not to opt for club mahindra holidays ever due to following reasons:

1) they never keep the promises they make while selling the membership
2) they do not value their customers, once the membership is bought
3) you will never get to holiday when you want - the resorts will not be available
4) the membership experience team is extremely arrogant & non friendly to customers
5) the policies of organization are once sided and very much against the customer interest