Where do I stand?

I booked and paid for a holiday to the Porta Ventura Park in Spain which was scheduled to depart last Monday. We notified the operator that we wished to cancel the holiday as the hotel and theme park are closed during the day and the flights have been cancelled. The tour company is trying to take 90% of the holiday cost. I have cancelled my credit card which was stored with the booking the tour company are now perusing us for in the region of £3000 whilst accepting there is no alternative hotel available. Where do I stand?