To repeat what someone has written below: Loveholidays is a package holiday provider and your holiday was a package under the Package Travel Regulations 2018 if you booked 2 or more elements - flights and hotel for example - through them and paid LH one total price at the same time. Your ATOL certificate will tell you Loveholidays is protecting your holiday. Loveholidays have a legal responsibility to refund you, not the airline, if LH booked the flight using their own credit card. And if they fob you off saying they will refund the flights when the airline refunds them, don't listen - it does not matter whether or when the flights have been refunded back to LH, your contract is with Loveholidays. I finally got my money back in July from a cancellation in March, - 4 months-mainly because i did not give in, i was so furious with LH. I was determined they would not get away with acting illegally and i hoped if i succeeded I could help others, hence this. First thing is to go to ABTA - there is a simple on-line process - and await ABTA's response. At first ABTA will shilly-shally and keep telling you to go back to LH or the airline. Don't listen, just persist. When you've jumped through a few hoops with ABTA to no avail, email the CEO of ABTA - address easily found on line - quoting your ABTA complaint number and asking for a resolution. It might take a few weeks but you will get your money back, whereas writing on here will help others avoid LH in the future, but will not help you get your full refund.