DFDS: Hello, it looks like you're not going to use that travel credit from last year, would you like a refund instead?
Mrs P: Ooh, good idea, that will come in handy!
DFDS: OK confirmed, you may need to wait up to 45 days to see the munney
Mrs P: <grumbles, 45 days??>
47 days pass, no munney appears
Mrs P: 'ere where's that munney you offered me?