Sundance Vacations, Inc./Tri-State Financial Refusing to cancel contract, has not refunded money, and harassing.. King of Prussia Pennsylvania

I am a stay at home Mom with no income (still mind-boggling that they were able to get approval for me without any income).  I got involved with this company in May 2014 at their King Of Prussia office after filling out a survey at a baseball game to win a free cruise.  We (my fiance and I) went  to the "1 hour" presentation, showing us a video of all these beautiful places to travel. We were there for 3 hours! All their information is thrown at you very quickly, it's hard to keep track of all the details.  We felt very pressured to buy.  We did say No initially.  I really wasn't even thinking clearly towards the end of the pitch, I ending up signing a contract at almost 10:00 at night.  

In the upcoming days, after reviewing the vacation places available (nothing like what was presented to us during the presentation - bait and switch?), I knew I had made a impulsive decision and was not going to be using the services Sundance Vacations offers.   I have not used any vacation services with the company and I will not be using any of their services. I spoke with people from Sundance Vacations on the phone and they tell me to call Tri-State Financial, I call Tri-State Financial and they tell me to call Sundance Vacations. When I called Sundance Vacations/Tri-State Finacial they told me I cannot cancel my contract and the only thing I could do is to lower the payments. I've sent numerous emails stating I want to cancel to atleast 3 different people, I've sent a fax stating my desire to cancel and still they haven't cancelled. 

I want nothing to do with this company at all. They have NOT refunded my fiance's down payment of $150.00 even though his name was not on the contract and continue to send me delinquency notices as of Oct 2014. I stated my desire to cancel before my first payment was due.  After expressing my desire to cancel and being told I couldn't, I had a feeling like we ware being scammed, my fiance closed the bank account they took the down payment with and would have been taking payments from (**and we informed Sundance Vacations, Inc and Tri-State Financial that he stopped payments with his bank).  Sundance Vacations did not explain at any point during the presentation or sale information that we would not be able to cancel. 

I've given up dealing with them on the phone. I am in contact with the Federal Trade Commission, Attorney General, as well as the ARDA.  The initial research I did on this company was positive (google reviews when I searched for their website and facebook).  I must remember to not just believe the first couple reviews I read (they were positive)...I needed to dig deeper!  One thing that is definately NOT positive when dealing with these companies... costumer service.