holiday cruise line refused refund ft lauderdale Florida

This company refused to give me a refund when I was dissatisfied with their services, the balance that I paid them is not showing on my account statement and circumstances changed and i cannot go anymore.  they were rude and stated that in the terms and conditions it states that when I sign into the site to make reservations. i did not make any reservations, nor did I see any terms and conditions, after they told me this, I signed back on to see the terms and the document doesn't exist. I want a full refund and if anyone can give me tips, that would be greatly appreciated.