Sterling Holidays Resorts — refund of amount on cancellation of membership

A sales executive from sterling contacted me and told about the vacation ownership plan.. I was informed about the product cost amd about the emi options. I was also told about rci. He did not inform me about the annual subscription fee of 10500 rupees, which i have to pay apart from this product cost, every year. I came to know about the annual subscription fee later when another person contacted me after a month from sterling.
Secondly, the person had informed me that i can use rci by transferring days from sterling on payment of some 1150 or some amount for each day. He told me that if i stay for one day, i need to spend only this amount. Later on i came to know that even if i stay for one day, i need to transfer all the days together, spending some 8000 rupees..
The sales person had assured me that there are no additional costs which i will have to bear, and that i can use 25yrs of holidays for this product cost of some 5.2 lakhs. He just told me that i will have to pay rci renewal fees after two yrs. And now i came to know that i have to pay rs 10500 each year additionally.
As soon as i realized that i have been cheated, i mailed sterling to cancel my account and to refund my down payment of around 1.17 lakhs. Then a person contacted me from sterling and told that as i have sent cancellation request after ten days of down payment, the cancellation fee is around 1.55 lakhs. So they asked me to pay the additional amount of around 38000 to cancel the account.. Means i got cheated and now lost a lot of money...
I need justice.. I need my amount back...