Pebblesterrier - your credit card company said that the guest house taking your money was "unethical". Theft is more like it. You say your holiday was for mid June. You had paid a deposit in February. So the balance for the costs of the holiday would probably realistically not be due until early May - or 6 weeks before you arrived. But you say that their explanation was they took the deposit/s (and from others) because they had no money to pay bills? That's unbelievable. And they took it from you for nothing, except in the hope that your holiday may go ahead later or next year. On the information that we have at present with no clue as to what will happen just a few weeks from now, even if you have your holiday eventually, why would they assume that they could take your money months ahead , take money from your card without agreement or explanation. You are now subsidising their living costs but cannot be certain whether your holiday will go ahead. Everyone is likely to be very short of money by the time this crisis is even half over, but you don't deal with this by helping yourself to someone else's money, surely.
Our own guests return year after year and there is usually a sprinkling of new bookings too. As soon as I was aware that nothing will be considered for re-opening in our town in France until mid-July this year, no bars, restaurants, tourist attractions, and we will possibly remain in lockdown until June, I decided that as we could guarantee nothing in terms of dates, I would not have dreamed of holding on to deposits or letting people make final payments. Some people will probably want to re-book next year, but if they don't or can't others will book in their place. Until we are able to see how the situation pans out, will there be flights, how is travel being managed, borders being opened etc.,we honestly cannot offer holiday accommodation here. To offer it "later" and under the present extraordinary circumstances is really just an excuse to hold onto their deposits and is not far off sharp practice. None of us has a crystal ball. And if companies don't answer your mails, if they go bankrupt, if they sell up and move on? You will have paid for nothing. If you have already paid towards something - goods, services, etc., that you are not going to receive on the dates you arranged, you are entitled to expect that your hard-earned money be returned to you, at your request and without excuse or delay.
And Jane43 someone actually wrote to you to snipe at your complaining about a lost holiday....there are more important things in life, etc.,? Seriously, there are some very strange people who appear on Gransnet sometimes, and who clearly are shameless! The very best of luck in trying to recover your losses.