Virgin Active = Thievery and Rudeness!!

So DH got the kids a virgin contract - but due to circumstances we need to cancel. We can accept that there is a cancellation fee - which we are happy to pay. BUT we were told by the consultant that it (+- R5000) has to be paid in full up front on cancelling. ***?? If we could afford R5000 up front we could afford the contracts! Despite us telling them that the CPA says the cancellation policy cannot "render cancellation of the contract more of a financial burden than a long-term relief from a contract" (see regulation 5 (3) of the CPA) they say they will just debit our account with the R5000. Firstly, they do not have a right as we only agreed to them debiting the monthly fees (That would be theft!!!!) - secondly how can they expect people to pay R5000 when they can't afford the R700? Rude, unhelpful and *******!!!