Cancellation fee for the holiday club membership is more expensive that the balance and I cannot afford to pay it.

I am currently struggling to cancel my membership with The Holiday Club. I have joined the club 3.5years ago for 40 points and have been paying instalments every month. But now I am unemployed and have sent them emails letting them know that i cannot continue paying and that I would like to cancel. Initially the points costed me R42000 and now if I cancel I have to pay cancellation fee of R30000. And I keep on telling them I cannot afford it. Now the account is owing R15000 to close it off, which i don't have but to cancel its R30000.

I have not used their points as they only rent ugly cheap accommodations. I have been paying R2500 every month and I feel have paid nothing until now. I am unemployed and I want to cancel my membership but i cannot afford cancellation fee for R30000 or for any amount really.