Many Thomas Cook customers still awaiting holiday refunds despite fast-approaching deadline

Exclusive: With more than half-a-million holidays to pay out on, Civil Aviation Authority remains adamant that holidaymakers can expect money back within 60 days

Waiting game: 50 days after the failure of Thomas Cook, few disappointed holidaymakers have got their money back (Simon Calder)

More than seven weeks after the collapse of Thomas Cook, all the package holidaymakers booked with the firm who applied for reimbursement on the first possible day are still being promised full refunds by 6 December.

Yet there are concerns about the pace of the Civil Aviation Authority (CAA) operation to refund disappointed Thomas Cook holiday who paid by card or cheque.

The travel giant closed down on 23 September, leaving debts of £3bn – and 800,000 prospective travellers who had paid for future holidays.

Those who paid by direct debit should all have been refunded, although deposits paid by other means – such as credit cards – have not been reimbursed at the same time.

The operation is relatively straightforward, involving simply reversing direct-debit payments made to Thomas Cook customers after security checks have been made.

But more than three-quarters of the total paid with credit or debit card, cheque or cash. The number of outstanding bookings is believed to be around 260,000, representing more than half-a-million customers.

Under the Atol scheme they are entitled to full refunds. The CAA is assuring customers who applied on the first possible date, 7 October 2019, that they will get their money back by 6 December: “We aim to pay refunds within 60 days of receiving a valid completed claim form.”

According to a specialist in the claims-handling business, for the target to be achieved, it would be normal for a significant number of refunds to have been made already.

The individual, who did not want to be named, said: “The process is to get through all the straightforward cases as rapidly as possible, then concentrate resources on the ‘problem’ cases where fraud is suspected or the paperwork isn’t right.”

The Independent has asked Thomas Cook customers via Twitter about their refund experiences. The responses were all self-selecting and cannot be directly verified.

Of the replies within the first 24 hours, 38 said they were direct-debit customers and had had their payments returned.

Rob Spring reported: “Refunded promptly and without any problem.”

Some who had paid the deposit with a card were still waiting for that portion of the cost of their holiday.

A further 30 said that they had paid by direct debit but had not yet been reimbursed. Pat wrote: “Direct debit still not refunded. Done online claim.

“Received no confirmation that they have received and when I asked told had to wait for them to contact me if more information was needed. Absolute disgrace.”

These numbers were dwarfed by 301 customers who said they had paid by other means and are still waiting for refunds.

Kellie Forbes Simpson reported: “Paid in full for package holiday a week before they went bust. Submitted the application 8 October.

“No communication, nothing. The charge is sat on my credit card gathering interest.”

A handful of Thomas Cook holidaymakers reported that they had received refunds. All these cases were followed up by The Independent. In each of them either the booking was a holiday assembled and sold through an online travel agent such as Travel Republic or On The Beach, or a flight-only deal refunded by the credit-card firm.

Janet Gledstone said: “Our money was totally refunded a couple of weeks ago. Tesco Bank were thoroughly professional and offered an amazing service to ease our worries over £3,500 of flights to Cape Town.”

The 6 December date applies only to the holidaymakers who applied on the opening day for claims, 7 October. An applicant who requested a refund a fortnight later would not be due the cash until 20 December.

The CAA has contracted out the refund process to claims specialists, CEGA and RightPath – trading as Protect Claims.

After the Monarch Airlines collapse in 2017, which was on a much smaller scale with far fewer package holidaymakers involved, one in five customers had to wait at least three months to get their money back.

The CAA says it is planning to update its advice to Thomas Cook holidaymakers later this week.