Holiday booking site LateRooms has ceased trading

Chargeback

First things first, call your bank and ask them to ‘charge back’ your money. Explain this is urgent and that the business is going in to administration. Chargeback is an agreement between plastic card providers and can be used on payments made by debit or credit card. Your bank should try to get you the cash back as soon as possible. However, if the administrators have closed the Malvern Group’s accounts, it may be too late. So don’t delay – call your card provider now.

If your card provider makes a mistake or fails to recall your cash, you can make a formal complaint through Resolver.

Credit cards

If you paid for your holiday by credit card and the cost of the holiday was over £100 you can claim the full cost of the holiday back from your credit card provider. This is known as a ‘section 75 claim and your rights come from the Consumer Credit Act. Even if you’ve only paid a small deposit on your credit card you can claim the full amount. However, if the firm you’ve paid does not provide the holiday or services directly, then the law may not apply. Our advice: put a claim in anyway.

If you want to make a section 75 claim or a complaint about one, click here.

Travel insurance

Some travel insurance policies may cover you for holiday companies going bust – but not all of them Even if your policy doesn’t cover this, if you think the wording of the policy is unclear or unfair and you would have got a different policy had you known, you can make a complaint.

Make a travel insurance complaint here.

It’s possible you may be able to make a complaint to the administrators of the businesses too. We’ll keep you posted when we have more information.