maybe there was a communication problem with your travel agent and AIR FRANCE?
you can never be sure, but if it was Air France that did that than that wrong and should have confirmed your action, and there are cancelation fees so thats why they kept some of the money, it sucks but theres not much anyone can do
also i am very sorry to hear you were laid off
happy 20th anniversary, have a good one (sounds hard but make the best out of it)
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