Covid 19 - Cancellation of Booking

Due to Covid 19, I cannot travel to the USA to take up my booking. They docked me 17 Points, because I had to cancel. Every other service provider I booked through in the USA, gave me a full refund, no questions asked. The Holiday Club, in conjunction with Iexchange, are an absolute rip-off. They do not care one iota for their customers. They need to look at the rest of the industry and take a feather out of their caps!!