Expedia should have refunded your money four years ago...When you buy an airline ticket through an online travel agency, it is responsible for the refund. It doesn't matter if the airline refunds it or not. So, if Expedia says that you're entitled to a refund, and it promises to process a refund in a few weeks, it's on Expedia.
Air Transat is a relatively small charter airline, so that might explain the initial delay. But at some point, Expedia should have taken ownership of this problem and helped you get a refund. Instead, it looks as if you bounced between Expedia, Air Transat, and your credit card company for years.
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