Form filling!!! ??? difficult??? I got £230 back from the co-op bank for my lawnmower which broke down and was out of guarantee(bought from Focus which refused to help) The only difficult bit was when the bank phoned and said they were not liable because xyz etc etc but when I asked the girl if she was legally qualified to make that statement she eventually backed down (she wasnt) and after being threatened with county court action they paid up. never filled any forms in and it was a very easy process. Using the same determination you need to be a professional pilot also gets to protect your rights---pay up front on a credit card in the UK!