STA Travel PAY BACK MY MONEY!

I booked a holiday for Hong Kong and Bali last year paying my money in full, in February I got cold feet due to COVID-19 and agent assured me it was safe to travel knowing I have a 2 year old travelling with me, I then canceled Hong Kong and decided full on Bali stay, then few days later someone travelling from Bali was tested positive and I went into panic mode and requested my trip to be canceled completely taking a loss of over 20k - I was told I would get my refund within 3 days and here I am still sitting 2 weeks later with no money just emails saying they give me a credit due to policy changes made on refunds. How can you make these kind of changes just to avoid paying back peoples hard earned money? already lost 20k just to get my refund now I must lose my balance as well? I would not recommend anyone travelling with these guys! Soon I will release all correspondence between myself and agent as proof saying refunds will be paid, 2 days later stating company policies changed. Klompie *** praat