Exchange fee penalties at Vacation clubs

I wish to express my frustration and anger wrt TVG (in conjunction with Holiday club) timeshare, wrt the penalties being levied as a result of adjusted lockdown levels. I have been a longstanding member and fractional owner at TVG, who also rents out holiday accommodation through other clubs. We booked a week away at Sanbonani in Hazyview for the week of 2 - 9 July at an exchange fee of R1 674.00 which was paid immediately to my TVG club after the booking was confirmed. On Sunday, 27 June 2021, our President, Mr. Cyril Ramaphosa imposed lockdown level 4 regulations as a result of a rise of COVID 19 cases (especially in Gauteng). One of the rulings made was that no travel between provinces were allowed and that, should you be caught, it would be a criminal offence which is linked to arrest and jail time. As a result of this, we were forced to cancel the booking at Sanbonani, through TVG (in conjunction with Holiday Club), where the points were used. It was not of our doing, as we just could not go anymore due to the new lockdown ruling. According to TVG (Holiday Club), the terms and conditions of the Holiday Club is that, should there be a cancellation, a penalty fee of R1 097.00 be payable and that the points utilized for that week be returned to me as the owner of the timeshare (which I appreciate). My problem though is that the cancellation fee charged to me as a result of something which I had no control over. I am now being penalized in monetary form because I was forced to cancel my accommodation to stay within the Law of South Africa. In a time where it is financially tough for every household in SA, to still be robbed of hard earned money by companies filling their pockets, is unforgivable. We, the poor people, who try and go away for a well earned break, support and help these companies to also pay their staff and dues. It breaks my hart that they have to blatantly steal one's money. It is therefor my opinion that, in a case like Covid lockdown adjusted levels, these cancellation penalties be refunded in full to the consumer and that those entities adjust their terms and conditions of their policies to accommodate the newest pandemic (COVID 19) and the effect it has on the South Africa as a whole, but also on us, the poor willing consumer, who always have to bear the grunt of companies and their plight to milk the consumer for every cent they have. I have been charged more than 60% of the fee I paid as a penalty and this to me is unacceptable as I had no joy of going away. I just have to part with my money and get over it. Its like walking up to someone and stealing his wallet full of money, saying; "oh, sorry, I am taking your money and there is nothing you can do about it"!!!!!!!