Many thanks for all the input so far.
I did not pay all upfront but as per the terms of the contract which stipulated that payments must be made after a certain amount of hours. I made the last payment, of three at 20 hours.
Since that time I have become frustrated and disappointed with my flight instructor and I would like to continue the rest of my training elsewhere.
Regardless of whether or not I am entitled to a refund, I was told by my instructor that in order to officially register the hours I have I must continue with the same organisation I started with.
I was also told that, if I get any additional training with any other certified FI the hours cannot count.