The way I see it is you haven't lost any money as you paid the £527 on your cc & that has been paid back onto that card. Unfortunately, that card is now unusable to you which isn't the fault of Love Holidays. Otherwise you could have taken the card on holiday for expenses.
I would go on the holiday otherwise you will loose £900. Perhaps try & borrow the £527 as you would have had to pay it back to credit card company.
Love Holidays have acknowledged that they were at fault cancelling the holiday when they did and have presumably agreed that you are still in credit with them to the tune of £873? However, unless you can find some way of returning the £527 refund to them then I don't think you can do anything about this. As fwh says, it is unlikely that the CC company will refund it to you since it looks as if even after they received the £527 you still owe them money on top of this. The best way forward might be to try and persuade Love Holidays that they should refund the remaining credit of £873 to you but bear in mind that if you paid this using a credit card that it will be repaid back to that card, not you. See it as a bonus that if they do this then it will reduce your remaining outstanding debt and perhaps in future not use credit cards to buy holidays if you have no plan in place as to how you will repay that loan?
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