Hi

First thing to state here is that a Thomson All Inclusive package will have been sold under their CAA issued ATOL licence. If Thomson were to cease operating while you are away then your holiday would continue as normal and new arrangements would be made to bring you home on or about the planned date.

If they went under before you went away you would make a claim to the CAA for the amount you have paid. However as you have paid by credit card then it is likley that you would be referred by the CAA claims unit to your card issuer to seek a refund under the Consumer Credit Directive. This gives protection when goods and services that have cost MORE than £100 and have been paid by a credit card and in this case are not delivered due to company collapse. In recent travel company failures passengers who had legitimate CAA ATOL cover have been told to claim against their card issuer.

My recommendation is that you pay the balance on the same card that you paid the deposit. The law is uncertain as to what would happen with two card payments for the same item, however I am led to believe that you can use two different cards and you would charge back the entire amount of the holiday to the card you paid your deposit on.Note that if you paid £100 or more by card and the remainder in cash, then you can claim the entitre amount from the card issuer. Also, ensure that it is the same cardholder who pays, not say a second card holder on the same account as any claim has to be made by the principle card holder.

Our understanding is that you would charge the amount back to the first card used.

I hope this helps, however I feel very sure you will have no problems at all and will not need to use any of these claims services.

Have a great holiday.

Bob

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Bob
Travel expert,
www.travelsupermarket.com

You are fully protected by the government ATOL scheme that protects package holidays, you are also protected by the Consumer Credit Act on the basis you booked direct with Thomsons so you can use any method you like for the rest of the money. As a general rule, travel insurance does not provide protection against financial failure but you should always arrange insuarnce as soon as you book in case you have to cancel for any unexpected reason before travelling

Ive just booked a Thomson package all inclusive holiday on a credit card and paid a £350 deposit. Weve chosen to book by credit card as security in case anything should happen with Thomson, although unlikely.

The question I have is, if I pay the balance of the holiday on a different credit card or split between two other credit cards, will I still be protected if anything happens? I will be taking out travel insurance also, so would this cover me?

Please help!