How much should you be saving for your kids to go to uni? What to try. Tell your holiday provider you’ve changed your mind and ask for a refund instead. As it was now five months of waiting for your money back, you rang the firm on 8 December only to be told your refund hadn't been processed as you 'may' have tried to use the chargeback scheme via your credit card. Think carefully about whether you want to do this and how hard to push. If you are told to do this, you'll be asked not to leave your home for any reason, and so, if you had travel booked during this period, you wouldn't be able to go. Average first-time buyer now needs 104% of their wages for a deposit, More choice for landlords as number of buy-to-let mortgage deals on offer increases - but profits are squeezed as rates nudge higher, How has the pandemic affected Britain's productivity? If you're not sure what you're covered for, read your policy and ask your insurer. I've booked a holiday but not yet paid in full – should I pay the remaining balance? What’s the best way to amend my holiday or request a refund? After waiting four months, I chased again and was told my refund hadn't been processed as I may have tried to use the Chargeback scheme. For package holidays, trade body ABTA says providers are only obliged to put you up for three nights if your return trip is cancelled. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. If you've now no future trips left that were planned before March 2020, then there's no gain from renewing your travel insurance. If it has, full refunds will largely be due. If you have consequential losses, you can follow the steps above to try and recover them. If your holiday is no longer going ahead as planned, we will email you at least 21 days ahead of travel with your options. If your holiday was to and from a permitted area, but would break the rules because the travellers are from multiple households, CMA guidance suggests you'd be owed a refund (though it's not completely clear-cut and there are no guarantees). "If you claim under Section 75 though, then you are asking the credit card company itself to cover you, and while it may be legally obliged to do this, it is likely to be much more reticent to do it. Martin Lewis: I averaged 24,300 steps a day (burning 3,910 calories) in 2020 – here's how... 10-piece Lottie London cruelty-free make-up bundle for £19 all-in (£50ish bought separately), Meerkat trick: Spend £2ish to get 2for1 at cinemas AND restaurants for a year, 20 tricks to access 1,000s of free e-books & audiobooks, NHS and care worker staff freebies & discounts, 12 FREE ways to learn something new at home, Full refund if you cancel 24hrs+ before check-in if host has 'flexible' policy or 5 days+ before check-in if 'moderate flexibility', Until check-in closes you can claim voucher valid until Apr 22 if you booked from 3 Mar 20 for flights before 31 Aug 21, Flight change fees waived for rebookings at least 14 days before departure, Rebookings at least 14 days before departure are free for tickets bought after 1 Jul 20, Refund or voucher where accommodation must close, Says it will contact custs with bookings for later in the year with their options, All flights and hols up to 11 Feb 21 cancelled with full refund, Full refund or rebooking for bookings up to 18 Jan 21 - we're checking if this is being extended given new restrictions, Change fee cut to £20pp per flight. But it's much murkier – and again, you need to remember these are untested situations and ultimately only a court can decide how the law applies in different scenarios. This means that if the booking is subsequently cancelled by the operator you won't get your money back, whereas if you continue to pay and it's then cancelled, as outlined above you would get a refund. If a Foreign Office warning is put in place under the Package Travel Regulations, you SHOULD be able to get a refund within 14 days – even if the trip's not been cancelled – but always check first with the firm before you cancel. If you were due to pay on collection, you can cancel right up to the time your rental was set to start. The group did not pay by credit card, rather by debit card, and requested a full refund when the trip was cancelled as they were not in a position to rebook. We've asked the airline if it met this target, and what's happening for later refunds, and will update this guide when we hear back. The company has put in place a system for refunding their customers for cancelled holidays. Let's hope you and your family can enjoy a trip to see Mickey and friends in Florida in the not so distant future. We've asked if it met this deadline and will update this when we know more. We also have a few picks which let you add cover to travel against Foreign Office advice. But if your provider refuses to transfer your credit back to you for free for some reason, you can appeal to the Financial Ombudsman – and do so on the grounds that it's not following standard industry practice. The Government initially said it would protect refund credit notes issued between 10 March 2020 and 30 September 2020 for ATOL-protected bookings. Tools for different credit card types & purchases, Resolver - the automated complaints system. If you're having real difficulties getting the refund you're owed for a cancel trip, there are other avenues you can try – though none are guaranteed to work: MSE founder Martin Lewis suggests you try chargeback first though: "Even if you actually have a credit card and qualify for Section 75, I wouldn't ask for that at this stage. Our customer service team immediately contacted her and apologised for the delay in collecting her faulty appliance and issuing her a full refund. A spokesperson said: 'We were very sorry to hear of Louisa's issues with her cooker. But Teletext Holidays has tried to fob off customers with refund credit notes or delayed refunds by saying it is still waiting for cash back from airlines. Let us know how you get on at news@moneysavingexpert.com. Generally speaking, if the service you have booked isn't provided, you should be refunded – and that's a principle the UK competition watchdog has clearly supported. Firms will naturally want to push you to accept a voucher or rebook your holiday, as it avoids them having to cough up. I hadn't and even if I had, it would have been my right. I have now waited five and a half months for my money back. That's because under the chargeback process, which is part of the Visa, Mastercard or Amex rules, your bank is asking for money back from the holiday firm's bank, which your bank is unlikely to have an issue doing. To get a refund, you need to have booked your journey on or after 24 November 2020 - and before the rules changed on 19 December 2020. Cash-strapped students waiting for refunds Posts may be deleted and repeat offenders blocked at our discretion. Here, Martin explains why: "Even if you actually have a credit card and qualify for Section 75, I wouldn't ask for that at this stage. Your rights as rules tighten, Trip not cancelled? This could be a polymerase chain reaction (PCR) test or a test from a lateral flow device, for example, but you need to make sure the test you get meets the Government's performance standards. Do be aware that even once you're paid the money with chargeback, the firm can dispute it with the bank and the money may later be clawed back. Mortgages, credit cards, loans, payday loans, car finance and more. New restrictions in the UK mean many are banned from travelling anywhere - and others are advised against it. You can rebook your holiday to a later date by logging in to Manage my booking and using your travel voucher to rebook. Unfortunately, it was cancelled due to the coronavirus pandemic. If you do need to quarantine when you get to your destination, it's unlikely airlines or hotels will offer a refund if they're open and running services. Separately, other countries, such as Australia, have had a ban on travellers from the UK since the start of pandemic. 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