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PGL adventure holiday and refund credit note

Hello all.  I've cancelled an adventure holiday that I had booked for my child with PGL in August.  I cancelled within the period that meant I would only lose my deposit.  Rather than a refund of the remaining balance they've provided me with a refund credit note meaning that I won't get my money back until 31st Jan 2021  
They've cited the ABTA guidance.  I've replied to them to confirm that I do not wish to rebook and that I want a refund as soon as possible, particularly as they haven't had to book hotels/ flights etc.  No joy.  
Any advice on how I can redeem the refund credit note and get my money back please?

PS = huge apologies for posting this on someone else's thread earlier.  Sigh!

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