Booked cruise Dec 2019 but due to a number of problems, concerns about covid and cruise company making dramatic changes to itinerary, cancelled. Out of the blue told that our £2199.00 deposit no longer available to refund as the deposit no longer existed, it was now a 'future cruise credit' (a voucher). Not told by Hays or cruise line of this but was told by Hays not to worry, our money was safe with them in their bank account, even offered to book us a land based holiday and take deposit off our refund. But 11 months on, no refund repaid by Hays or cruise line (Regent Seven Seas Cruises).