Santander. on the phone when we rang them to claim the money back on the debit card.
I asked where this information came from and her exact words were" from a communication from above"
They just said that as of November 2016 Monarch were not Atol protected and as we had purchased the seats after this time we could not claim the money back.
Likewise i always pay with a debit card, if using a credit card you only have to make another one to them at the end of the month and you get charged more.
I know, that's the point, Santander are shirking there responsibilities as a bank.
I booked some through LLoyds and others with Santander, Rang Lloyds, no problem, but Santander just no.
When i rang Santander this evening to put a claim in for my money back we were told that Monarch had lost their ATOL licence in November 2016, so any flights booked after then were not covered.