we booked our holiday with travel city direct part of XL holidays , which was atol protected we submitted our claim last september 08 and we had a response form the CAA saying as we paid our deposit with barclaycard under the 1975 credit act section 75C barclaycard are to refund all of the holiday money we only paid the deposit with barclaycard of £560 the holiday was 3,998 we have sent all this infomation to barclaycard and all thay have done is return the deposit and said there are looking in th the other matter its now been 3 months and still reciving the same excuse from barclaycard Q are the CAA right and should i start a small claims for my refund.