Flygbolag i konkurs - Engelska
If the airline files for bankruptcy, it is often difficult to get your money back for tickets or a compensation for other costs. Your best chance of getting money back is if you paid for the tickets with a credit card.
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If the airlines goes bankrupt - Keep this in mind
If you paid for the trip with a credit card, you may be able to get your money back from the credit provider.
If you purchased a package travel and the airline goes bankrupt, you should contact the package travel operator for assistance.
If you have a claim against the airline when it goes bankrupt, you should contact the bankruptcy trustee.
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A credit card is a card where the money is not withdrawn directly from your bank account. Instead, you receive a bill afterwards for the purchases you have made. If you paid for the airline ticket with a credit card or by invoice, there is a chance for you to get the money back from your bank.
With credit payments, you are protected by the Consumer Credit Act. This gives you the possibility to make the same demands towards the creditor, like the bank, as towards the seller, in this case the airline. Contact the bank and explain that you want to dispute the cost in accordance with the Consumer Credit Act.
If you paid for the airline ticket with a card other than a credit card, the card company may have its own rules that give you the right to compensation. What applies depends on what is stated in the card company’s terms and conditions. Contact the card company and ask what applies to your card.
If you have bought a travel package and the airline company for the trip enters bankruptcy, you must contact the travel organiser to get help. The organiser has a responsibility to arrange replacement travel for you. If the organiser cannot arrange a different journey and you cannot depart on the trip, you have a right to get the money back for the trip. If you are at the destination, the organiser must ensure that you are transported back to your point of departure.
If it is a package travel organiser that enters bankruptcy, you can read more about it here.
If you are stranded at your destination because the airline has gone bankrupt and you are forced to buy a new ticket to get home, you can seek compensation from the airline’s bankruptcy trustee afterwards. You can also claim compensation for additional costs such as accommodation or transportation while waiting for your new flight. Read more under the heading “Make a claim against the bankruptcy estate.”
If you are unable to get home on your own when the airline has gone bankrupt, you can contact the Swedish embassy in the country you are in.
The travel cover of home-owner’s insurance does not normally apply when an airline enters bankruptcy, nor do other travel insurance policies. There are insurance policies that can protect you from airline bankruptcies. If you have signed an insurance policy against airline bankruptcy, contact the place where you signed the insurance. There is an insurance company cancellation cover that includes airline bankruptcy, but it is a special supplement that needs to be signed.
Read more about insurance on the website of the Swedish Consumer’s Insurance Bureau
If the airline enters bankruptcy, there is a possibility to file claims for compensation with the airline’s bankruptcy trustee. Contact the bankruptcy trustee in writing and explain clearly what compensation you are claiming.
A bankruptcy estate often has other debts that have a higher priority than the debt to you as a consumer, which makes it difficult to get money back from the bankruptcy estate.
