Hi I think you have been treated abysmally but you definately did the right thing contacting only First Choice. Your contract was with them regardless of who you flew with, which hotel you stayed with and whether First Choice sold you a package out of Virgin's brochure or dynamically packaged it by putting it together using different suppliers. Someone told you you wouldn't have the same protection if it is dyanmically packaged but the size of First Choice means they cannot afford not to have cover for dynamically packaged holidays they sell so you 'will' be covered. What you could do is send a letter (again it must be recorded delivery - all correspondence with them should) and cc in ABTA (Association of British Travel Agents) Atol also said this: Problems & Complaints with a Tour Operator Standards of Service The CAA has no legal powers to regulate tour operators' standards of service. You should first take up the complaint with the company concerned. If the matter remains unresolved and the company is a member of either ABTA, TTA or The Global Travel Group you should contact them for advice. If not, try Consumer Direct on 08454 040506. ************* I see no reason to let First Choice know this offer is not acceptable and return the cheque. They will know you are being serious and let them know you have sought legal advice and will follow the company's own complaints procedure and take this as far as need be. You should, as someone else advised, write exactly what you would expect as a minimum of compensation - (obviously inflate the amount tho' as they are likely to haggle you down but if they don't that's a bonus!). As for not telling you it was rainy season in July, that's a difficult one, you should push to say had the agent who sold you the holiday explained this you could have made the choice about whwther to go or not. That said Barbados, like the rest of the Caribbean and Florida have the rainy/hurricane season throughout our summer but it doens't stop people going and it is back luck if it rains your whole holiday. The rest of your experience is just not acceptable tho'. Good luck, I hope you get more and let us know!