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  • FIRST POST
    • MSE Callum
    • By MSE Callum 20th Sep 19, 8:45 AM
    • 602Posts
    • 194Thanks
    MSE Callum
    0 WOW
    Thomas Cook - what you need to know - MSE News
    • #1
    • 20th Sep 19, 8:45 AM
    0 WOW
    Thomas Cook - what you need to know - MSE News 20th Sep 19 at 8:45 AM
    Holiday firm Thomas Cook has confirmed that it is seeking £200 million in extra funding as it attempts to prevent a collapse...
    Read the full story:
    'Thomas Cook worries? Here's what you need to know'

    Click reply below to discuss. If you haven’t already, join the forum to reply.
    Last edited by MSE Nick R; 03-10-2019 at 3:29 PM.
    Read the latest MSE News
    Flag up a news story: news@moneysavingexpert.com
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Page 1
    • crafty-66
    • By crafty-66 20th Sep 19, 9:35 AM
    • 2 Posts
    • 0 Thanks
    crafty-66
    • #2
    • 20th Sep 19, 9:35 AM
    • #2
    • 20th Sep 19, 9:35 AM
    I am paying by D/D for next years holiday, should I cancel the D/D
    • Alan Bowen
    • By Alan Bowen 20th Sep 19, 9:58 AM
    • 3,358 Posts
    • 1,702 Thanks
    Alan Bowen
    • #3
    • 20th Sep 19, 9:58 AM
    • #3
    • 20th Sep 19, 9:58 AM
    Direct debits do not provide any protection, it is like paying cash. However, if you have an ATOL Certificate you are protected, if you have no ATOL Certificate, then you are at total risk. I could never tell anyone not to pay but I might suggest a slight delay if it is due in the next 10 days or so. ATOL Cert, no worries, no ATOL big worries!
    • suzieh77
    • By suzieh77 20th Sep 19, 10:19 AM
    • 1 Posts
    • 0 Thanks
    suzieh77
    • #4
    • 20th Sep 19, 10:19 AM
    Flight only group booking paid with gift card
    • #4
    • 20th Sep 19, 10:19 AM
    We have a group booking, flight only (MAN to MCO, departing 10/10/2019), booked directly with Thomas Cook Airlines, paid for with a Thomas Cook gift card. Where do we stand in terms of refunds if they do go into admin and flights are cancelled? (The gift cards were purchased with a credit card).
    • italianostallio
    • By italianostallio 20th Sep 19, 10:20 AM
    • 1 Posts
    • 0 Thanks
    italianostallio
    • #5
    • 20th Sep 19, 10:20 AM
    • #5
    • 20th Sep 19, 10:20 AM
    Hi thank you in advance for your help. I am covered by ABTA is that the same as ATOL?
    • brewerdave
    • By brewerdave 20th Sep 19, 10:55 AM
    • 5,749 Posts
    • 2,577 Thanks
    brewerdave
    • #6
    • 20th Sep 19, 10:55 AM
    • #6
    • 20th Sep 19, 10:55 AM
    Lets pray that they don't go under -no idea how repatriation flights could be organised for so many people
    • up-north-eng
    • By up-north-eng 20th Sep 19, 11:09 AM
    • 37 Posts
    • 8 Thanks
    up-north-eng
    • #7
    • 20th Sep 19, 11:09 AM
    • #7
    • 20th Sep 19, 11:09 AM
    I have a Disney package booked and payed for. Triple protection, ATOL, CC and insurance. Which is the best avenue for a refund? Are all aspects covered? We got the park tickets, car hire and car insurance from them too. £6800 all in ��
    • Castmember
    • By Castmember 20th Sep 19, 11:39 AM
    • 2 Posts
    • 1 Thanks
    Castmember
    • #8
    • 20th Sep 19, 11:39 AM
    • #8
    • 20th Sep 19, 11:39 AM
    Hi,

    I'm assuming that if TC do go under then so will their subsidiaries?

    I've got a Disneyland Paris trip booked for my son and I leaving on January 1st. It was booked through MagicBreaks. The ATOL certificate is in the name Freedom Travel Group Ltd, which is all part of TC.
    I'm not concerned about getting my money back, ATOL will cover that. I haven't told my son about the trip yet, I was going to surprise him on his birthday at the end of December so he won't be disappointed if it does get cancelled.

    Just a shame for all the staff if the worst happens.
    • tberry6686
    • By tberry6686 20th Sep 19, 12:28 PM
    • 1,049 Posts
    • 1,000 Thanks
    tberry6686
    • #9
    • 20th Sep 19, 12:28 PM
    • #9
    • 20th Sep 19, 12:28 PM
    I am paying for next years holiday by DD. If I am correct, I have no protection if TC goes under. Can I call them and pay some of it by credit card and gain protection that way ?
    • Browntoa
    • By Browntoa 20th Sep 19, 12:31 PM
    • 35,633 Posts
    • 41,785 Thanks
    Browntoa
    Ironically it will cost ATOL £600 million to repatriate but only £200 million to keep it afloat
    I'm the Board Guide of the Referrers ,Telephones, Pensions , Shop Don't drop ,over 50's , Boost your income and Discount Code boards which means I volunteer to help get your forum questions answered and keep the forum runnning smoothly .However, please remember, board guides don't read every post. If you spot an inappropriate or illegal post please report it to forumteam@moneysavingexpert.com Any views are mine and not the official line of MoneySavingExpert.
    • bhaisab
    • By bhaisab 20th Sep 19, 12:31 PM
    • 240 Posts
    • 281 Thanks
    bhaisab
    Hello Forum,

    I have booked flights and hotel, through sunshine.co.uk
    Atol certificate provided
    paid by CC

    flights are with Thomas Cook, just seen company is at risk.
    If I take out insurance now will I be covered if flights are cancelled or would I be seeking help from Atol anyway
    • paulfoel
    • By paulfoel 20th Sep 19, 1:13 PM
    • 5,533 Posts
    • 2,570 Thanks
    paulfoel
    Why on earth would you NOT pay at least the deposit for a holiday by CC to get the protection?????

    Complete madness...
    Cymru am Byth !!!
    • Alan Bowen
    • By Alan Bowen 20th Sep 19, 1:17 PM
    • 3,358 Posts
    • 1,702 Thanks
    Alan Bowen
    If you have booked through another company and have an ATOL Certificate that shows, for example, sunshine.co.uk which I think is part of Global Travel, then it is they who have to deal with the problem. They can do this by replacing the flights with alternative ones or offering a full refund, you would have no claim from the CAA.

    It does not matter how you pay if you have an ATOL Certificate, the problem only arises for those who bought a flight only product which is not ATOL protected, then having used a credit card gives you protection which you otherwise would not have.

    An ATOL Certificate will protect you for all items shown on the Certificate. If you bought additional products after the initial package they may have been added or sold under separate contracts in which case that value may have to be claimed from a credit card. Insurers only payout if you have no other method of protection, they see themselves as a last resort, not the first port of call
    • up-north-eng
    • By up-north-eng 20th Sep 19, 2:16 PM
    • 37 Posts
    • 8 Thanks
    up-north-eng
    Just checked and my ATOL certificate is with Airtours, a subsidiary of TC. The plot thickens.... I’m assuming as we’re 13 days away from flying out all my money has been passed on to the relevant companies (Disney, Hotel, Car Hire company etc). So would it just be a case of getting a new flight?
    • Alan Bowen
    • By Alan Bowen 20th Sep 19, 2:29 PM
    • 3,358 Posts
    • 1,702 Thanks
    Alan Bowen
    up-north-eng. I wouldn't be too sure that everything has been paid for at all. It may have been, Disney can be very strict but everything else may be on credit and paid after you travel. At present, don't worry as there is nothing you can do, is it Airtours or US Airtours which is a completely independent company and has ATOL number 3085 not Thomas Cook whose ATOL is 1179?
    • bhaisab
    • By bhaisab 20th Sep 19, 2:46 PM
    • 240 Posts
    • 281 Thanks
    bhaisab
    If you have booked through another company and have an ATOL Certificate that shows, for example, sunshine.co.uk which I think is part of Global Travel, then it is they who have to deal with the problem. They can do this by replacing the flights with alternative ones or offering a full refund, you would have no claim from the CAA.

    It does not matter how you pay if you have an ATOL Certificate, the problem only arises for those who bought a flight only product which is not ATOL protected, then having used a credit card gives you protection which you otherwise would not have.

    An ATOL Certificate will protect you for all items shown on the Certificate. If you bought additional products after the initial package they may have been added or sold under separate contracts in which case that value may have to be claimed from a credit card. Insurers only payout if you have no other method of protection, they see themselves as a last resort, not the first port of call
    Originally posted by Alan Bowen
    Thanks for advice AB.

    Yup, Sunshine named on ATOL certificate.
    • greent
    • By greent 20th Sep 19, 3:12 PM
    • 8,191 Posts
    • 83,216 Thanks
    greent
    Booked return flights for next July/ Aug with TC for 7 of us only 10 days ago. Cost £7k (inc seat reservations) and paid on CC - am hoping this means we should be covered....? Travel insurance only covers us up to 5k for scheduled supplier failure
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £3757/£5K
    Net sales 2019 £518.64/£500
    • Alan Bowen
    • By Alan Bowen 20th Sep 19, 3:28 PM
    • 3,358 Posts
    • 1,702 Thanks
    Alan Bowen
    So long as all 7 are family members you should be fine but CC companies won't pay if it was just a group of friends who all paid you by cheque or cash since they didn't pay by card. In that case the insurance policy may be the only option
    • greent
    • By greent 20th Sep 19, 4:19 PM
    • 8,191 Posts
    • 83,216 Thanks
    greent
    So long as all 7 are family members you should be fine but CC companies won't pay if it was just a group of friends who all paid you by cheque or cash since they didn't pay by card. In that case the insurance policy may be the only option
    Originally posted by Alan Bowen
    ooooh - it's me, my husband, our 4 kids and Dd's boyfriend (of 3 years - will be almost 4 years when we go) and we are paying - it's a combined big holiday for our 50th birthdays and our 25th wedding anniversary.
    I am the master of my fate; I am the captain of my soul
    Repaid mtge early (orig 11/25) 01/09 £124616 01/10 £104927 01/11 £89873 01/12 £76317 01/13 £52546 01/14 £35356 01/15 £12133 07/15 £NIL
    BTL Mtge 12/16 £69786 12/18 £54829 2019 OPs (#18) £3757/£5K
    Net sales 2019 £518.64/£500
    • SweetPotatoPie
    • By SweetPotatoPie 20th Sep 19, 4:48 PM
    • 94 Posts
    • 162 Thanks
    SweetPotatoPie
    If you have booked as a package then you are covered - ATOL protected. You will be able to claim money back.
    If you have purchased flight only (as I have done to Orlando) then you really need to have paid on a credit card or have travel insurance that covers end supplier failure. If you paid on debit card then it’s best to check with your bank.
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