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Hi, After some advice (as are most people here I guess!) We paid in full for the services of a photographer for our wedding, in August 2015. Due to personal circumstances we've cancelled the whole day, therefore we don't need a photographer any more! I called (and emailed) her to inform her of the cancellation, only to be told she "couldn't take that much of a loss, Ill give you 100% of your money back if I get another booking on that day" So in other words she's keeping all £800 we gave her! a £200 deposit was agreed to secure the date, there is no mention of this being 'n