Thomas Cook

After a bit of non judgmental advice....

We’ve booked next years big hol through love holidays. Flights, hotel and transfers all in one go. Flights are with TC.

Originally booked on debit card, but have since payed some on a credit card. We haven’t booked any travel insurance as yet

Is this classed as a package holiday? (With them being a third party company)
Will that payment on the cc had any effect?
Should I book insurance right now?
Anything else I should be aware of?

Cheeers
 
Think they are a cert to collapse unfortunately. No one in their right mind is going to book anything with them given the current dire situation, so income is going to be non-existent for the foreseeable. Only a matter of time.
 
After a bit of non judgmental advice....

We’ve booked next years big hol through love holidays. Flights, hotel and transfers all in one go. Flights are with TC.

Originally booked on debit card, but have since payed some on a credit card. We haven’t booked any travel insurance as yet

Is this classed as a package holiday? (With them being a third party company)
Will that payment on the cc had any effect?
Should I book insurance right now?
Anything else I should be aware of?

Cheeers
According to missis T even if you paid just the deposit by credit card all of the holiday is covered. We are sure that even of you only paid £1 by credit card you are covered in full. That's why I cannot understand why folk would pay it all by debit card.
Again I have read some misinformation on here and social media. So if I was you ring the credit card company this morning to check and see what's what.
 
According to missis T even if you paid just the deposit by credit card all of the holiday is covered. We are sure that even of you only paid £1 by credit card you are covered in full. That's why I cannot understand why folk would pay it all by debit card.
Again I have read some misinformation on here and social media. So if I was you ring the credit card company this morning to check and see what's what.

I was told once you need least 100 paid by credit card

But I've been wrong before

I'm with you though. Never understand the lack of credit card payment. You used to save a few quid but even then always did to get that protection
 
After a bit of non judgmental advice....

We’ve booked next years big hol through love holidays. Flights, hotel and transfers all in one go. Flights are with TC.

Originally booked on debit card, but have since payed some on a credit card. We haven’t booked any travel insurance as yet

Is this classed as a package holiday? (With them being a third party company)
Will that payment on the cc had any effect?
Should I book insurance right now?
Anything else I should be aware of?

Cheeers

You've booked your package holiday through Loveholidays.

If any element of the package holiday were to fail (airline,hotel, transfer company etc) it will be Love Holidays responsibility to find you an alternative.

Love Holidays would then claim through ATOL for any additional costs incurred.

As long as you're flying somewhere fairly straightforward with good alternatives, i genuinely wouldn't worry you're covered under the Package Travel Regulations, more can be found here:

https://www.abta.com/tips-and-advice/is-my-holiday-protected/new-package-travel-regulations


'Examples of package holiday protection

  • You are due to travel to Thailand for your package holiday, but heavy snow and adverse weather conditions in the UK means flights are unable to depart. Your travel company will need to re-arrange your flight or will offer you a refund fo the whole package.
  • You have booked a package holiday and the organiser of your package goes bust two days before you are due to travel. The organisation in charge of the financial protection, such as ABTA or the CAA, will ensure that you get a full refund of the money you paid for the package.'
 
I was told once you need least 100 paid by credit card

But I've been wrong before

I'm with you though. Never understand the lack of credit card payment. You used to save a few quid but even then always did to get that protection

I've always understood that it's £100 minimum on credit card before the protection applies
 
Meant to be flying with them to Cancun a week on Friday, not looking particularly optimistic. Just hope we have enough time to sort out alternative flights if they go under. We've already had the company we book the hotel with go under and had to re-book, so not been the most successful holiday booking so far.
 
I was told once you need least 100 paid by credit card

But I've been wrong before

I'm with you though. Never understand the lack of credit card payment. You used to save a few quid but even then always did to get that protection
Had a natter with Sanatander credit card company today re what's what. After not listening to what I asked for the first couple of mins. Bottom line, it is definately £100 to be covered by well paying by a credit card. Which is ironic as said financial advisor at local Santander said it was £1. That aside, if you paid by debit card, ( for holidays ) then the way to get your money back is by ABTA/ATOL.
What I will say is that I have read and heard a lot of mis information on social media and by ringing Santander and others.
 
Had a natter with Sanatander credit card company today re what's what. After not listening to what I asked for the first couple of mins. Bottom line, it is definately £100 to be covered by well paying by a credit card. Which is ironic as said financial advisor at local Santander said it was £1. That aside, if you paid by debit card, ( for holidays ) then the way to get your money back is by ABTA/ATOL.
What I will say is that I have read and heard a lot of mis information on social media and by ringing Santander and others.

To be fair Santander are a terrible bank so I'm not surprised
 
This is what I do not understand about travel companies. I pay Thomas Cook for my hotel with a bit on top to give them a profit margin. Why is the money that I have paid for the hotel not ringfenced. How come Thomas Cook can spend all of that on whatever they want, be it wages, operating costs etc rather than just having access to the profit element of the amount I paid.
 
This is what I do not understand about travel companies. I pay Thomas Cook for my hotel with a bit on top to give them a profit margin. Why is the money that I have paid for the hotel not ringfenced. How come Thomas Cook can spend all of that on whatever they want, be it wages, operating costs etc rather than just having access to the profit element of the amount I paid.
Because they're ABTA bonded. Smaller travel agents who can't arrange bonds have to operate the way you describe.
 
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