Cheated by Club JIva Holiday Kart ltd. during our visit in Shimla

Dear Sir/ Madam,
Our membership no. is CJ/MP/OP/SHIMLA 00029
We got trapped in this fraud Club Jiva / Holiday Kart ltd. during our visit in Shimla on Oct 2016, they are big cheaters.
We came across this Club Jiva member on Mall road Shimla. A man on that street came up to us and tried to lure us by the gift vouchers; we refused to accept the voucher. Then he said he was poor and would get money, if we accept the card. Also he somehow convinced my 6 yrs daughter to scratch the card and try her luck. The cards showed 4 gifts (a free holiday, a led T.V, a cash price of 10000rs and an Ipad) he said we will definitely get one of those prizes. And we will have to visit the hotel to collect it and said that it is just a part of the promotion of the hotel, so that we can recommend it to others.
We went to the hotel where we were asked to fill the form and attend 1 hour seminar, again they said it was only for their hotels promotion. We said we don’t have that much time but still they insisted saying they will wind up early, but the all this drama stretched for 3 hours.Miss Anisha and her senior Miss Gupta gave the luxurious presentation about the 10 yrs membership of Club JIVA costing 1lakh which gives free accommodation in all 5 star hotels in India and also about the DAE group which gives free accommodation in foreign countries. They made several high, high and high promises to us, and presented before us a long list of resorts of club jiva and its tie ups. They told us that apart from the membership fee and maintenance fee, we would not be required to pay a single penny for staying at any of these resorts. Still we were not convinced and said we not in position to pay such a big amount.
To this Miss Gupta came up with another offer of an interest free 12 EMIs on HDFC credit card and no other charges. We still were not convinced so, Miss Gupta lured us again with 10000Rs discount and 24 interest free EMIs on 90000Rs that is 3750Rs for 24months (3750rs X 24months = 90000Rs) and said they have ties ups with bank. She also said we can cancel the membership within 10 days and we will get our whole money back.
We even ask them to give us some time to make the decision, but they didn’t allow us to go out the hotel. In this way we were hypnotized to buy the 10 years membership of Rs 90,000. We have to pay in 24 months EMI of Rs 3750. We did transition by Credit card by opting the EMI option on the machine (Yes I pressed EMI option also). We got a call from Bank to confirm the transaction we confirmed and clearly mention about the 24 EMIs, bank said that was the merchant’s call, again Miss Gupta assured promised that it’s her duty as all credit card banks have special Tie up with them and she will make sure about 24 EMI.
After this we went to hotel and checked the reviews we found all the bad reviews everywhere on internet and came to know how fraud this club is.
We immediately messaged Miss Gupta to cancel our membership.
We also immediately called HDFC credit card service and asked them to cancel the payment as the Club Jiva is a big fraud. Bank customer care said to fill the dispute form. We did that after coming to Greater Noida. Meanwhile we came to know through bank that merchant has claimed for the whole amount instead of EMIs. And also we will have to pay the interest on the whole amount.
Following are the reason we want to cancel our membership with this Club.
1.First of all it’s a fraud club misrepresenting the information and cheating the innocent people.
2.99 % of the reviews are bad.
3.They claimed for whole amount instead of the emis and are also making us to pay the interest.
4.They said we can cancel the membership within 10 days, and now they say its nonrefundable.
5. They have given us blue card which for off season and this was not told to us before.
6. There are utility charges ranging from 500rs to 1500rs per person to book the hotel or resorts through them, which was again hidden from us.
7.They promise 4-5 stars hotels, but actually give 3 and below stars hotel,
8.Many of the 5 stars hotel they claim they are tie up with are actually not, we actually called them and checked. https://www.tripadvisor.in/ShowUserReviews-g1165042-d1116866-r309275156-Aguada_Anchorage_The_Villa_Resort-Sinquerim_Goa.html Check this review with the photos and see the reply given by the manager also.
9.Please find few more links about how fraud Club Jiva is http://www.complaintboard.in/complaints-reviews/fraud-club-jiva-holiday-kart-pvt-ltd-and-dae-l427669.html
The main office of Club JIva is located at
65, Level 1, Dewan Centre, Swami Vivekanand Road,
Patilwadi, Jogeshwari West, Mumbai,
Maharashtra 400102
Phone: 022 6103 6000

Best Regards,
Dilip Jarikote
9871286222