Claim it back from your credit card issuer it's safer and more reliable.... because the law is on your side. Contact your card issuer telling them you wish to start a chargeback claim under [section 75] of the Consumer credit act 1974..explaining that all your efforts to contact anyone have so far been ignored and they constantly fail to respond to your refund claim for the breach of contract.

Are there others like me still waiting for a refund due to the collapse of XL. We received confirmation on 8th November that our claim for a refund had been received but we are still waiting for the money. CEGA the company who are handling the claims are just not answering their phones. Apparently some claimants are being told to claim from their credit card provider but we haven't.