I don't see why you have a beef with the boat. It sounds like he sent back the money he was holding but your broker didn't. Is the dispute because it just wasn't as quick as you wanted? What was the original cancelation policy you signed? Who actually sent back the money; broker or boat owner? I could see how the broker feels they did part of their job with the booking and deserves to be paid part of their fee but it would have been right for them to at least offer it as a credit.