Forced product on consumers

We attended a presentation with VHI in Pretoria North. We wanted to buy a package for R12500 which we were told it was a discounted rate. When we wanted to pay one of VHI manager told us that we need to pay a deposit of R5500 then they need to run a debit order first then we will pay R7000 balance. We were given a contract to sign and after they have ran the debit we then requested a settlement amount as promised. To our surprise the amount outstanding was then R20 000 plus. We then requested that they cancel and refund us as they misrepresented us with their product. To our surprise they can not refund us as they say we are now contracted to 24 months contract and that we had the opportunity to leave their presentation if we were not happy with their product. 1. The issue is not the presentation is the fact that they **** to us when we wanted to pay their product offering in cash. 2. They knew that the cooling period of their product is 5 day and by the time they run their debit the 5 days would have passed. 3. They know that they are enforcing their product to people in order for them to have monthly income to cover for their operating costs.

At the moment they don't want to refund and still continue with debit orders.