I will never use VHI again!

Even though I had been a member for over 10 years but never used this, I had now requested for my cash back and to cancel membership, only to be told I had forfeited my money, which they had said on inception that we will receive this back in 10 years. They had collected monies every month with no hassle. Now comes time to refund and cancel. This was never disclosed and now refuse to refund it. I do not recommend to be part of this membership.