Deficiency of services and Overcharging by Club

1. Unauthorized Financial Overcharge & Breach of Trust During the sign-up presentation, the agreed membership price was capped at ?1,32,000 inclusive of EMI interest on a 12-month tenure.  My HDFC credit card was charged ?1,36,727.88 via Pine Labs POS , creating an unauthorized excess debit of ?4,727.88. Sales Manager provided a signed handwritten acknowledgment and multiple WhatsApp assurances confirming the ?4,727 difference would be refunded within 15 days. Despite follow-ups for over 8 months, the company has retained these funds unlawfully.

2. Bait-and-Switch Deception (Inferior Accommodations) Club Exotica markets itself under the banner of “Luxury Vacations,” charging ?1,36,727.88 upfront and an annual AMC of ?8,500.  When booking options were requested (such as for Silvassa), the company offered low-budget properties retailing at just ?2,000 per night on public booking platforms like MakeMyTrip. Providing budget lodges that cost barely more than the annual AMC is a clear case of deceptive trade practices under Section 2(47) of the Consumer Protection Act, 2019.

3. Systematic Booking Rejections & Contradictory RulesClause 13 of Signed T&C: Mandates submitting holiday requests 30 to 60 days prior to check-in.Silvassa Request (June 13, 2026): Submitted 76 days in advance; rejected claiming requested dates are out of booking window dates. Silvassa Request (July 20, 2026): Resubmitted 47 days in advance (strictly compliant with Clause 13); unlawfully rejected and closed by customer support claiming it did not fit their window. Maldives Request (August 1, 2026): Submitted 33 days in advance; rejected by citing an unwritten “45-day international notice” rule nowhere in the contract. Dubai Request (August 5, 2026): Submitted 45+ days in advance for 5 adults; rejected on the claim that “2 rooms cannot be provided for international bookings” despite agreeing to provide 2 rooms domestically.Diu/Somnath/Gir Request (August 7, 2026): The reservation desk ghosted me