I had an expensive holiday booking to tour Vietnam with a well known UK based TA. After they cancelled the booking, - we would not be allowed in to Vietnam - the very nice agent on the phone said that refunds might "take months".
I told her I would use the UK law of section 75, as I had booked via Amex.
I put all this up on Trustpilot. The TA likes 5 star reviews on Trustpilot, and does not like 1 star reviews.
An hour or so later, a Supervisor rang me back. Lots of drivel ensued. Pleas of poverty, etc. etc. (Owner of TA is multi-millionaire).
Amex were very understanding.
My money is now safely back with me.
Trustpilot makes an interesting read. A lot of UK based TAs are trying to duck the refund issue.