I booked a home on Aug 22. Home had 100% refundable if you cancel before May. I cancelled on VRBO on Sept 26. I never saw my refund so I emailed the owner through VRBO asking approximately when I would see the refund. I got a one line answer back: "You'll need to cancel on your end, or I will be charged a service fee." What does she mean I have to cancel it on my end? I did cancel through VRBO. Is she expecting me to dispute the charge through my bank?