BF constantly tell you that you will get a refund credit note but when they cancel they send you a link to the contact page. If look at the drop down box you can select "May sailing is cancelled I would like an alternative to the Refund credit note".
You then have a text field to tell them what you want. Here you need to write I want a full refund.
So whilst they offer refunds they have a corporate strategy of delaying access to get a refund. They only communicate by email and then send waffle till they have to cancel..
You then need to be in the know when the cancellation e mail comes as to how to get a refund.