Cancellation

I requested to cancel my contract. I contacted Dream vacation club to cancel said contract. I am not able to afford the contract. I was contacted by Thabo Maatjie and he me advised the contract can not be cancelled. I was offered a loan that I can not afford also. On the reply from the company I was then informed that I will be black listed if I default on the contract. I believe this it is against National Credit Act not to be able to cancel a contract that I can not afford. Kindly assist in resolving this matter. I need to cancel this contract as soon as possible.