I booked a NCL cruise in Apr 22 to travel in Nov 22 but NCL have cancelled all cruises from Oct22 to Apr 23. they have said that they will refund all funds applied and compensation where additional costs have occurred but they wont return my deposit. I have claimed it back on my CC section 75 so the bank has agreed I can do that but NCL are chasing me for the deposit using debt collection agency. this cannot be right can it.