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Can ABTA and ATOL urgently advise why Love Holidays website states the following:"Refund Credit Note. This amount is made up of your previous holiday cost minus the cost of the flight". "You’ll need to contact the airline directly to request a refund or change your flights. The airlines this applies to are:easyJetRyanair AerlingusWizzAirTUINorwegianVuelingPegasusIf your flight has been changed or cancelled, these airlines will contact you about your options and will handle this process from then on".