I regret to advise all of the people waiting for a refund from YGT, that I believe you've 'done your money'. Like many of you I had booked a few previous holidays with YGT so in November 19 I had no hesitation in using them again to book a golf holiday to Turkey for 8 people to travel in April 2020, at a cost of £8K. The holiday was booked as what I believed would be my last holiday as I had just been diagnosed with stage 4 lung cancer. l paid for total cost of holiday on my Halifax credit card. YGT held out to last moment before advising the holiday could not go ahead due to Covid travel restrictions. At that stage it was already obvious to me and everyone else that it wouldn't be going ahead but in hindsight this was the warning of how YGT were going to conduct themselves going forward. After many emails about getting a refund I was told by Max at YGT that there would be NO refund as it was not their policy and I should read their T&C's and the only option available to me was a credit note. I'm grateful that I didn't have to explain this to anyone else and it was only me that was owed money as every newspaper and consumer rights programme on TV was telling everyone "don't worry its your legal right to get a refund". I hate to think what other people might have been thinking had they paid any money to me for the holiday? Obviously YGT do not read the papers or watch the TV as their policy is NO refund. I eventually resorted to explaining to YGT why my health issues may not make it possible for me to take up the offer of a credit note thinking this may prompt a rethink and thankfully it did. YGT sent me an email advising that I needed to complete a cash refund request that they would send me by email. I did this as soon as I got it on 12th May 20. Regrettably I never received any further correspondence from YGT between that date and now. I soon realised that the only other option available to me was to raise a section 75 dispute with my credit card provider. Once provided with all the correspondence between myself and YGC my credit card provider (Halifax, Lloyds) paid out my refund in full around early August after I provided a few more details about the transaction. Thankfully I'm still here to give this review and I have been able to put the refund to other uses. I don't envy any of you who have booked on behalf of a society or friends who have paid money to you for a holiday they never got. I believe that had I not raised a section 75 dispute against YGT for failing to provide the service or goods I had paid for I would still be waiting for a refund. Good luck to you all.