Well that answers that - obvious now you mention it I guess.
Anyway, I eventually got through to someone at AVRO who has agreed to discuss the matter with Monarch and I *might* get refund but have to wait "approximately" 28 days. Yawn..... The phone waiting and being passed from pillar to post at 10p/minute has already cost me £4-£5 I guess so net/net I lose out in the end and AVRO are still ahead. I also brought up being charged twice for hold baggage and the answer there is that its because there are two of you on the booking and our systems can' accommodate one set of baggage when there are tow of you, so both have to pay. Its £43 per person BTW so and additional £86 if there are two of you on the booking and £172 for a family of four. They are looking at modifying the system so a single baggage upgrade can be bought but no idea when/if this will happen?
As I said before - think twice before you use AVRO. I hear booking direct with Monarch is cheaper anyway. Personally I think I'll pay a little more and use BA in future. At least you know what you are in for and they do have a customer service unit you can talk sensibly with.