Chesley Long Camp Yoga Did not honour cancellation insurance THEY offered to provide FULL REFUND on Cancellation with AMPLE NOTICE McKellar Ontario

On April 23rd, 2022, I purchased a ticket online through their website for an event/accommodation taking place on September 9, 10 and 11th, 2022.  I paid $563.87 plus an additional $44 for cancellation insurance in case there were any work or family reasons I could not attend as I am a single mom also caring for my elderly mother.  In August 2022, I was starting a new job and would not be able to take the time off for this event.  I emailed them on August 15th, 2022 to notify them I needed to cancel and was requesting a refund since I was not able to attend due to work schedule.  At that time my mother was also not doing well and I needed to be in town (she ended up being admitted to the hosptial the very weekend I was supposed to be away).  They told me it would take a couple of weeks to process the refund.  I was not hearing back so I tried several times to get updates and then was told I would not be receiving a refund because I was being "aggressive"?? I was just asking for my money back and was not receiving any updates.  He continued to make excuses first saying there were issues with the third party insurance company, then it was a problem with my credit card (it was actually paid on debit card which is like cash so a refund should be pretty straightforward, even e-transfer), and then he said it was because I was being persistent there would be a delay.  He offered to pay me 75% ofmy money back but that is unacceptable and I hardly think he would even honour that much.  I paid a $44 cancellation insurance fee and expect a FULL refund.  I gave plenty of notice of cancellation before the event.