Thank you for this. They are interesting reports, and the second link does indeed bear on my case. The point is that my bank agrees that we were ripped off, but refuses to pay under section 75 because it thinks there is a break in the contract chain: Us --> Booking.com --> hotel in Vietnam. However, I think they have overlooked that Booking.com is not a travel agent - all payments are charged directly by the ultimate vendor to the customer, so the booking site is not an intermediary for payment, only for choice/confirmation. Do you agree with my thoughts on this?
Many thanks
Nick