Hi Steve, I really sympathise with you - I have also been in the same boat as you, however in September I got in touch with TR via this forum, and a chap who works there (don't know if he still does) - helped about 6 of us to my knowledge, I was going to Kos on 13 Sep -and XL folded 12 Sep. First we were told to cancel the hotel and accomm - but that meant we wouldn't be entitled to anything!!! I rang the Hotel Ionokos on Kos - and the owner told me the room was still there and are we coming - via Athens - with another airline?? I said no, I can't find anything cheap enough, I asked her if the room had been paid for yet - and she said no. They get paid after we arrive and use the room!!!! So armed with that, I rang TR and had it out with them, and this SteveD helped us and got us the hotel accomm and transfers refunded - in my case straight into my visa credit account. So like you said, I'm only waiting for Freedom Flights, there has been a lot of arguments going on whether we will get paid or not, apparently a decision was made on 12 Dec that we were going to be paid - but since then Cega seems to backtrack and find some other excuse not to pay us!!!! I rang up my visa company yesterday (cos I made a claim thru them 2 months ago to pay me my flights) but they said no - cos Atol will pay us. I rang them yesterday, and said I have been waiting 6 months for payment, and that they are liable under the 1975 consumer act to pay me, I said if they don't I will leave them and go with another credit card co, they said " If you can show us a letter from Atol saying they WILL definitely not be paying us - they will pay me!!!!" I wish I thought of that earlier - Atol are definitely playing with us - first they said ours was a tailor-made holiday, now they are also threatening to sue TR too - so they will pay us - but then Atol will claim the money from TR. I also rec'd a letter on Monday from TR - saying sorry we are still waiting for money, we should shortly receive a consignment form and then we will get paid!!!! I rec'd such an email from Atol on 12 Jan - saying "shortly" we will receive this form, I asked him how shortly is shortly - like you said, we are still waiting - this has been a debacle from start to finish - I booked April 2008 for this lost holiday, I will never book online again, and I will never pay by credit card either, I shall pay future holiday by bank debit card, and hope for the best - I think you can claim thru your bank on a debit card (according to Martin Lewis!!!!) - one of us Red - who also sought SteveDean's help in Sep has just been paid - read other threads to XL forum!!!!!!