Nirmiti Resorts & Clubs - Refund of advance paid for club membership from Nirmiti Resorts clubs

Respected sir/Madam,
Myself Raj from Pune, I was on a family tour to GOA on **/**/**** a guy approached us, (my wife and myself) with a scratch card of Nirmiti resorts and club holidays near our Hotel. We were both given a scratch card each wherein one of them would be picked as a lucky winner. A pure form of fishing intended to create interest. We were then invited to visit their resort hotel to collect the prize won in the scratch card. We were then asked to sit through the presentation of Nirmiti so that the guy who gave us the scratch card would get some incentive at work. The representatives of Nirmiti resorts and clubs Deepali Sonawane explained me about their holiday plan. But the plans they explained were not written in the agreement papers given to me by them after making payment of Rs.**,*** on **/**/****. This company play loud music in background may be because they don't want their customers to listen to them properly or may be it helps in miscommunication. They had taken us on underground Hall where there is no mobile network. They had taken me outside hotel to swipe the card as there was no range in Hotel. Till that we will make papers and didn’t gave us time to read the agreement paper.
After returning to my home I went through the agreement paper in details and also search their website and surprisingly I found that all the customer reviews are against them. I have been cheated by them in form of incomplete information and misguiding information. They had never told us that the agreement is non-cancellable & nonrefundable.
I got welcome mail which was mentioning membership will be activated after full payment of ***** Balance Rs.***** which will be monthly installment till end of **** so I will be able to avail the facility in **** which was not ok with me so I had asked for cancellation the agreement on **/**/****. But now they are telling me it is non-cancellable & non-refundable.
I am following with company since last one month for cancellation after multiple follow ups they are offering me downsize version of *yrs membership which is not at all mentioned in the agreement. This forceful services I am not interested in so I had mailed them to terminate agreement & refund my money
As per agreement membership will start from year **** & it is still not activated & I have not used any
of Nirmiti club services. I have to terminate this agreement get the refund of Rs.**,***