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Update:
JD ,Hays messaged me yesterday first thing asking had I got my refund, otherwise I’d have been happy to wait it out , she said it had been processed and it should have been in my bank by yesterday, I said it wasn’t and she advised me to call my bank they had no such transaction which triggered them to raise a dispute against Hays travel,miraculously enough the money was in my account this morning which now I need to call ( India) to tell them to quash the dispute which I didn’t want in the first place
Jno, dates were changed because of government guidelines but I blame myself for not reading the small print and fully understand why admin fees were incurred