When I was stationed in SC I belonged to a couple clubs too. Some not so good clubs. That freaking lock problem is a problem with almost any club.They usually change the lock every year. I wouldn’t make a bigger problem out of it. Just call another member to meet you there to let you in while he accompanies you to get your cabin. I wouldn’t cut the lock. If you still can't get a hold of anyone you might have to knock on the club president’s door. Good luck. Dang those locks. Always a pain.