Return of funds from MSC Starlight cruises

My family and I were due to go on an MSC cruise in Dec 2020,but unfortunately due to Covid all cruise were cancelled. In 2021 we were informed that we could re-book for the 2021-22 cruise season. However we decided that we would prefer to cancel it altogether. This was passed on to Flight Centre,who had taken over responsibility for the bookings. The message that got back to me was, that due to some obscure reason, the re-imbur*****t had to come from GENEVA,and could take 4 MONTHS OR LONGER.As of today,2 months ,after the request was made, Flight Centre, informed me that MSC had not even sent the cancellation documents yet. Strange that they demanded the full cost of the trip up front, and have kept the money for a year, but giving money back appears to be a problem. I am reliably informed that the Swiss are known for their efficiency in money matters, so find it difficult to understand that the return of a relatively small amount ,would cause concern ,in the corridors of MSC.It is not impossible that some of the responsibility may lie at Flight Centre's door,but hope that the matter can be attended to, with a little more speed, as we need the cash to book our Christmas break.(ON LAND)