On the evening of 8th of November my husband and I attended a presentation at the Silverstar Casino. We were told by Russel Hatfield our sales person, that if we are at any stage not happy with the service we get from VHI we can cancell the contract . The Morning of the 9th of November, I 've send them an e.mail stating that we reconsidered the application and that because of the fact that we are pensioners decided that we will not be able to afford the amount due. As a conusmer we do have a cooling of period of 5 days with a contract closed. I phoned in and asked for a e-mail address to send my cancellation letter and a very Rude Elzabe told me she cannot help me i have to look on my contract - explaining to her that i do not have my contract with me at that stage she just said " well find it yourself on the contract " I did find it and have sent 9 mails and about 20 calls to them since then. up today the 15th of November I am still battling for somebody to help me. I have left several messages for the manager Ulrika to call me .. with no success at all. If i do not get service now.. what about the future? I thin this is a big scam and somebody need to look into this scheme.. my VHI number on the contract is 401802. PLEASE HELP ME WITH THIS MATTER. We have paid the first 9149.00 and I need them to refund it to me immediately!