REFUSE THE SIGNUP!!

I was contacted by an agent with regards to this holiday club. I was previously signed up with Flexi Club and First Loyalty Club is affiliated with the Flexi Club. I clearly told the lady that I do not want to sign up with a holiday club again. She then told me that if I sign up then the previous one will be settled. This was a huge lie and now they are calling me because I have missed my installments of which I did not request to have.