Direct villas have stolen £4000 of our money, We were due to holiday in May 2021. I checked my holiday account in January and found their was nothing on the website. I immediatly had a gut feeling that something was wrong. From that date i sent e.mails, telephone calls etc, but no reply. I then got an e.mail in March to say the company had ceased trading., and advised to contact my credit card company or insurance. Because the company had not gone into liquidation the insurance company would not pay, therefore i went to my credit card company who after investigation refunded me my money all but the deposit of £900 as the time allowed to claim with the company was out of date. I have continued to fight for the remainder of the balance but to no avail. I have tried IPP, ABTA, RESOLVER. Because the company have not gone into liquidation , i cannot find a way to get my money. Vivien who was dealing with our holiday should be ashamed of herself and i hope she gets her just deserts. If anyone has any ideas please contact me. I sympathise with all of you who are in my position.