Hi - welcome to the XL forum - many of us on this site have been sharing our thoughts since September, when XL went bust!!! I personally booked through TravelRepublic - flights with XL airlines - Freedom Flights - and I submitted the Atol form in early October, we had to send it to TR so they endorsed our payments, and then they sent it on to Atol. I got my acknowledgement on 23 October, I got a number, and a letter to say that my claim will now take 12 weeks to process - and please don't email or ring as it will delay claims further....blah blah blah, we have over 60000 claims, 20000 alone with TR - but I did email to ask why did my cheque not arrive on 5 Jan??? They have since been very cagey - the bond has to be approved, we have meetings going on, we had a resolution on 12 Dec where we have approved payment(did that mean that before 12 Dec they were undecided about paying us at all?) and so on.... We had a stalwart from TR working with us, and he is still trying, but I have come to the conclusion they are using excuses so as not to pay us - I'm disgusted cos the new Thomas Cook adverts extoll the virtue of Atol protected holidays, but what they don't say is how long (and whether or not) Atol will pay out!!!! All I can say is, keep looking at this XL forum and read all the comments, as I understood the last comment - Atol were going to send me a form to sign (to say I got the payment) and then they will claim back the money from the travel agency!!!!!! So if courts are going to be involved, I feel all hope is lost of ever being paid. I am going to resort to claiming off my visa - if you paid by visa I suggest you forget Atol, which has been messing me about for months, and claim through your visa card - I should have done that in October, they offered, and I stupidly said no, cos Atol were dealing with my claim!!!!! How wrong can you be!!!!! Hope my answer helps!!!