Cunard moving the goal posts

We were due on a cruise in May but due to the FCO advisory re 70+ people not cruising, we received an email on 13/3 from Cunard offering a full refund or a future cruise credit if we needed to cancel. As my husband is 70+ our insurance would have been invalidated if we went against the FCO advisory. We contacted our TA on 15/3 to cancel the cruise & receive a full refund &, at his behest, put it in writing on 16/3. Since that time Cunard have suspended cruises up until mid April. Today, they changed the booking/cancellation policy & are now only offering a 110% future cruise credit to be used by March 2022. They say they will honour any refund cancellations made in the past week but we can't reach our TA to see if he has contacted Cunard before the change in cancellation policy. A future cruise credit is of no use to us as we already have 2 cruises booked with Cunard over the next 21 months & we can't afford the time or cost of another new booking.  Where do we stand if our TA hasn't been in touch with Cunard before today?

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