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Kids Clubs cancelled and not refunding

My son attended two separate extra curricular clubs, one gymnastics and the other trampolining. Classes were obviously shut down in March so I have queried the paid lessons that he should have had. Trampolining club have said no refund on the session otherwise the club will fold, not even offered to postpone the session until September and that I should lump it that we have missed a class. Gymnastics club has said no refund, she offered online sessions instead of face to face in a class and that a small discount on fees will be applied if coming back in September. I have made the decision to not return my son in September (non related to this issue!) and all I have been offered is a credit note on my account for future classes, even though the owner knows we are not returning. So both clubs have my money that I paid in advance for sessions that didn't happen due to Covid-19 and both are refusing to refund me. I have not signed any T&C's with either club - but surely a face to face contract that I pay for sessions every term would stand as a 'contract'? and I didn't agree to online gymnastics classes - if I was offered online or refund I would have taken the refund, but no offer. Classes were moved online without my consent. I want a refund on my fees and both refusing - where do I go from here please?! Thanks
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