Monarch customers could get money back using Section 75 and chargeback protections, says Martin Lewis

Many Monarch customers are stranded abroad and the Civil Aviation Authority is working to organise the return of 110,000 people currently overseas. Equally, there are many people out of pocket because their flight booking now doesn’t exist. founder Martin Lewis comments on what people can do if they are affected:

“If you’re not covered by ATOL protection as your flight isn’t a package holiday, and your travel insurance won’t pay out as you don’t have the rare ‘travel abandonment’ cover; there are two further helpful protections to try.

“The first is Section 75 of the Consumer Credit Act 1979. That says that if you pay for something – or even part-pay – on a credit card and it costs between £100 and £30,000, then the credit card company is jointly liable. In travel, it only works when you book direct, but that’s fine for those who paid Monarch on a credit card, as long as the cost is over £100. So get in touch with the credit card firm and ask to make a ‘Section 75’ claim (and use the name) for any costs not received. There are full templates for doing this on

“For all debit cards and credit cards you can use a less well-known protection called ‘chargeback’ (though with credit cards, if you paid over £100, Section 75 is better). With this, you ask your card provider to ask Monarch’s for your money back as you have not received the service. While it’s not a legal protection like Section 75, this is a core protection in Visa, Mastercard and American Express’ rules and it can swiftly help people get their money back. In fact, it was this route that we suggested in the Lowcostholidays issue, which got the most success.”


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About Martin Lewis: Martin Lewis OBE, Money Saving Expert, is the journalist and consumer campaigner who created and is now the site’s Executive Chair. Martin also founded and chairs the Money and Mental Health Policy Institute charity.

He’s the UK’s most-googled man, Citizens Advice’s Consumer Champion of the Year, and has spearheaded major financial justice campaigns including bank charges reclaiming (over seven million template letters downloaded), PPI reclaiming (over six million) and a successful large-scale campaign to get financial education in schools. He has his own prime-time ITV programme, The Martin Lewis Money Show, as well as a range of other regular media slots. He was appointed OBE in the Queen’s Birthday Honours in June 2014.

About is dedicated to cutting consumers’ bills and fighting their corner. The free-to-use consumer finance help resource aims to show people how to save money on anything and everything, and campaigns for financial justice. It was set up in 2003 for just £100, and its free-to-use, ethical stance quickly made it the UK’s biggest independent money website, according to internet ranking site, and the number one ‘Business and Finance – Business Information’ site, according to Hitwise. It has more than 12 million people opted-in to receive the weekly MSE’s Money Tips email, and more than 16 million unique monthly site users who visit more than 28 million times a month. In September 2012, it joined the Group PLC.