It's worth checking the terms and conditions and if they don't clearly state this, then inform your credit card company and they will get your money back. A similar thing happened to me (not exactly the same) and my credit card company credited the money back to my account the same day.
In my experience all the hotels I have booked with charge a penalty fee, but none as high as 20% if you cancel within 30 days. Usually I came across terms that say that I will get charged for 1 day if I cancel and do not give at least 7 days notice.
Good luck
Diz
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Only a woman can break his spell. Pure in heart who will offer herself
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