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Hello, this is Jim, a dual-qualified lawyer (UK & Republic of Ireland) and happy to help you today.
If your trip was cancelled, the villa owner is liable to refund you - according to the European Commission. Breach of contract means that you are due a full refund. If you have disruption cover with the insurance policy, that "should" pay out. If not, then you have an option of suing the villa owner or the agency whom you booked with. Lanz Luxury Villas should now be approached for a refund. I attach a template letter which you can use to send. Hopefully this will result in a refund - you can threaten to report them to Trading Standards too (tel: 03454 040506).
If they still refuse, you can start a claim at http://www.moneyclaim.gov.uk but bear in mind this is a last resort - though a lot of other people have recently taken travel agencies to court due to similar situations.
If you booked by credit card then you can make a claim - you can contact the card provider and ask for a refund under S.75 of the Consumer Credit Act 1974 - as they are jointly liable if you do not get the service you paid for. You can claim a full refund even if you only paid for part of the trip with the credit card as long as £100 or more was spent.
If you do have disruption cover, you may want to make a formal complaint to AXA too. If they refuse to pay out, you would argue the policy is not fit for purpose.
I hope this helps? If I have answered the question would you kindly leave me a 5 star rating (at the top of your screen), any follow up questions are welcomed.
Sorry, I misunderstood - if the flights were cancelled then it's a force majeure situation. You can still send that if you wish -
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