I recived a call from Stewart who said I had emailed them 3 times I said yes because you are not responding. Which to me is rude. I too have a part payment because 1 of the cruises have not paid them back yet. He took my long card number of my bank I have spoken to my bank and they have told me it could take up to 10 days to refund they are doing it the longest way possible He said you have a credit note until March 2021 so the remaining may be paid next week or the week after or up to March next year. Not happy as I have worked and saved hard never and may have to wait another 6 months.