I foolishly became a member of a consumer club called Direct Buy. That was over a year ago. I once tried to cancel my membership but apprently I missed the 3 day cancel period. I had agreed to make payments on a $2500 membership, but once I found out what I was getting for the membership I wanted out. They refused to cancel and kept sending bills, which i refused to pay. Now the lender who paid the membership is demanding to be paid in full. What can I do?