Claimant says: "I called company back in April advising I was not going to sail in September of 2020 due to being layed off from work due to covic 19, I was not able to pay and and did not feel comfortable sailing during pandemic. The agent failed to advised be back then that it had to be paid even if not going to be able to transfer to next year. As of today the sailing I was suppose to go on is cancelled. The company refuses to return my money or give me a future certificate to sail next year. ”