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Good morning. I will assist with your question - be aware this is an email not chat service therefore i maybe delayed in replying.
what are the terms of the booking?
is this a private rental or through a company?
We are getting dozens of these questions at the moment.
If you cancel then you face the cancellation charges.
If they cancel, they have to refund you.
They cannot rely on their own terms and conditions to keep all the fee if they have to refund. If they intend to rely on a Force Majeure clause (reasons beyond their control) then it has to be reasonable and keeping the whole amount if they cancel is not reasonable and fall foul of the Unfair Terms in Consumer Contracts Regulations.
However you can’t beat them with a stick until they refund if they cancel and not you, and your only remedy is to take into the Small Claims Court.