Msc bhangra cruise

I purchased 2 cabins from msc cruise agent based in centurion however with this pandemic I decided that as we were not allowed to go due to the pandemic lockdown I requested for a refund only to be told that we can postpone our trip for the following year I told them that I am a chronic patient and so is my family and we would like a full refund now after numerous calls emails and constant watsapp messages the agent is being difficult I would appreciate it if hello Peter could assist with me getting my refund as I feel that it's unfair for Msc cruise to be accumulating interest for the next 2 years with their passengers upfront payment