Hi Tony, re XL issue again!!!! I had an email 2 days ago from Piers Jackson, he apologised again for delay, due to over 200,000 claims, processing is taking ages, sorry blah blah blah. He gave me a phone no for the firm Cega has contracting out.... so he doesn't have my claim, blah blah blah.... rang them, they put me on to Freedom Flights, long wait, then a voice came on, she said let me look up your claim number, came back, do you want to ring back later ... tomorrow, no I said, I will wait whilst you rummage, anyway, she came back, she said "your documents are perfect - everything is in order, but you haven't had a review" what's a review I said?? You haven't got your forms signed by Travel Republic??? What?? said I - I submitted the forms in late Sep, they checked them and signed them, sent them on to Atol, they were going to send a disc with all our names to save ATOL having to ask for each individual holiday maker - all our names and payments are there, yes - she said, I have your bank statements that you paid in full - leave it with me - I said I have been waiting 6 months now, I booked for Sep 2008 in April 2008, so this has been going on, somebody has been making capital out of my money for nearly a year and you are not going to pay out are you??? You haven't got the money???? She twisted and turned and I'm supposed to ring her again by the end of next week, said I have been on 2 holidays over Xmas and had hoped I would pay with some of the money from refund, but all she said was Pay with visa, you will be covered!!!! The cheek!!! I wrote to my visa and sent them documents, 6 weeks ago, got the reply 3 days ago, sorry, the travel agency hasn't gone bust, Atol will re-inburse you - we cannot help!!!! Been with them 15 years, shall now seek another credit card - refuse to pay any more holidays with them, and then pay in full when the bill drops on my doorstep, shall pay future holidays with my bank visa electron debit card, I have lost faith in all these grubby greedy people!!!! So I'm still no further than being paid, even end of April now for all settlement - as stated in Working Lunch - seems too good now!!! I don't think Atol has the money to pay. What do you think??