Sundance Vacations Travel advantage network Tri-state financial Sundance Vacations lied about their services and failed to mention a cancellation procedure Parsippanny New Jersey

In the summer of 2014 my family and i went to Dorney Park and we signed this paper that entered us to win a free car. So i thought. Sundance called numerous times stating that i had wona free cruise and congratulations. I was overly joyed. In October of 2014 I went to their presentation a week after my 22 birthday. It was rather lengthy but my boyfriend and I waited it out. They escorted us to the back and said we had to meet with one of their associates . We laughed , we joked and he sounded like a "friend". SO i signed up with this amazing travel agency. An agency that will help with all of my traveling needs. Little did i know that this new "friend" was a wolf in sheeps clothing. i remember at the end of the presentation i asked what would happen if i could no longer afford the payments all he said was "we wouldnt like that" and laughed it off as did i and i left. In January i unfortunally had a change in income and i called them they said they will lower my paments which they did. BBut now im in a greater hole and its almost impossible for me to afford these fees. I researched about the company i was in and found a Facebook page that is called Boycott Sundance Vacations. they gave me information and highlighted parts of the contract that would be used as "Material Misrepresentations" for me for instance the associate never discussed with me that i could never cancel my membership and that even if i tried to book a vacation i would not be able to do so by myself because many of the accomendations they have listed had a 25 year old minimum age requirement. I tried to reach Sundance through email so i can have in writing that i would like to cancel my membership and would like a full refund but no one has contacted me back. So i placed a stop payment on any transactions with Sundance Tristate Financial and Travel Advantage in August of 2015 they couldnt charge me in September but they manage to charge me October 1, 2015. they have called non stop from 8 am to almost 9 at night because of this missed payment. they have emailed me about the missed  payment and thats all no one has contacted me about my initial email which i sent first about cancelling my membership in the first place. when i called today i was given the run around. I do not and plan on never using their services i would like to get my money back