LHH Scotland cottage booking refund
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I Have a query regarding non-refundable deposits. I read that due to The Consumer Contracts Regulations (2013) any refunds were due within 14 days. I’ve a cottage booked with LHH Scotland for the last week in July that I have to cancel (my parents are both 80 & will have just come out of 3 months of shielding).
LHH say I can cancel but they will keep the £435 non-refundable deposit and I should contact my insurer if I wish to make a claim. They say Consumer Contracts Regulations do not apply. My insurer says that I cannot claim if I cancel the holiday.
As we do not know what the restrictions will be in Scotland at the end of July, I am at a loss at what to do. LHH says as soon as holidays are allowed, they will invoice me for the outstanding £1,000. I asked them if they could put the week up for re-let and hopefully, I could be refunded if this was successful but they said I had to pay the full balance in order for them to do so. However, they also said that if I cancelled, they would be able to re-let it themselves while still keeping my deposit. This was meant to be a surprise for my father's 80th birthday and i do not mind paying for admin fees but I feel keeping £435 for a week that will not be used is excessive, maybe this is what usually happens, I've never booked a holiday property before.
Do I take the gamble that the restrictions will still be in place, so LHH cancel and I can then claim from my insurance or do I just cancel now and lose the deposit with no chance of a claim but saving having to pay the balance.
Sorry if this is a stupid question. I paid by credit card but not sure if they will reimburse as I will cancel.