These professional con artists dupe the public and prey on the elderly. I know from personal experience. The sales team is contracted and VHI disowns any liability for their deceptions. The office refuses to acknowledge any form of cancellation and also deceives people so as to ensure the limited time for this expires. They have been operating for over a decade pulling the same stunt on their invited guests who they entice with the promise of a free vacation just for attending a presentation about (non-existent) discounts. I paid by credit card which enables payment reversal within 2 weeks provided evidence of notification to cancel within 5 days is shown. Some banks need to be encouraged to do this but it is a requirement that they must comply with. Keep searching the internet for more stories and assistance. Why are they still operating? Ask the authorities why crime is flourishing without fear of authorities. They will tell you how hard they work, how little money they have got, how they are planning a meeting to explore the problem. Like they have been doing since forever.