Refund Policy ****...Constant Changes When I Cancelled Prior to policy change and lockdown

I spoke to Zaib Ely December 29th 2019 and booked a trip to Bali for May 2020. The following day 30 December 2019 I had paid the trip in full no deposit, I paid everything. On 17 March 2020 I had sent her an email to cancel my trip and requested a refund as I didn’t feel safe traveling especially with my health issues. The following day I called requesting to speak to her as I hadn’t received a response, she advised that she would process my refund, I sent her an email after our conversation with my banking details. The 19th March I followed up to confirm if she received my email and wanted feedback, she advised me that she’s aware we discussed my refund however in light of influx of cancellations they would give me a travel voucher in which I have 12months to travel, I wasn’t keen at all. I don’t see how someone can tell me when I should travel when there’s a pandemic and when I don’t feel comfortable putting myself at risk with exposure to the virus. I advised I wanted cash refund I told her a voucher was not part of any agreement I cancelled way before the trip and that I would book when I felt comfortable to travel. Taahir Abrahams then called saying they’re waiting for Singapore airlines to cancel flights then they will be able to refund me but then 30 March Zaib advised that my refund is in process and that it might take long due to backlog. I asked her how much as Taahir advised me Singapore has to cancel flights. She then changed her story saying she thinks it’s better if he speaks to me she was on leave and doesn’t want to change things. On 20 May I followed up and she advised me that it has now changed completely and that I have a Refund Credit note which I have 24months to book my trip. I was still not happy I advised her that we are living in a time where anything can happen and I don’t feel okay with this I want my cash and will book when I feel safe to do so. I mentioned that I paid on full after booking my trip, it’s my first time ever dealing with them and getting my money has been a struggle. I asked what will happen in the event that I pass on due to the pandemic she couldn’t answer instead she thanked me for my email and now sent the latest refund policy, attached my credit note and apologized for my trip being cancelled. They have stopped operations and still no communication. Same way I paid in full same way I want my refund in full