If you have FE'd and the vendor is offering you a 60% refund you should IMHO accept it. You have no recourse via SR when you FE so any refund is entirely at the discretion of the vendor and most 'no show' claims via SR resolution result in a 50% refund unless the vendor has been proven to be scamming. For this reason you may want to rethink your position but that is of course entirely up to you.