CL Terms of booking

I have recently had to cancel a booking at a CL near Carlisle. I very stupidly paid in full in advance and had to cancel a week in advance due to my daughter being rushed to hospital with a critical delivery of her baby , who is currently in the ITU. I requested a refund as it was a week in advance and accepted that their terms state a 50% non-returnable deposit is required, but I was told they would not give any refund and I would have to lump it!  Surely there should be some control of booking conditions by the Club, with CL owners for the protection of it's members.

I welcome other members thoughts and comments.