Tens of thousands of XL customers have yet to receive compensation because of an argument over who should be paying out.
More than half of the 60,000 people who lost money as a result of the collapse of tour operator XL are still waiting on compensation.
Consumers who used credit cards to buy holidays should have double protection. They are covered by both the Civil Aviation Authority's (CAA) Air Travel Organisers' Licensing scheme (Atol) and Section 75 of the Consumer Credit Act.
However, this has led to a situation where both parties - the CCA and the credit card companies - are informing consumers that they should seek compensation from the other organisation.
One customer - Tam Penman from Glasgow - told the Scotsman that he had been "passed from pillar to post" since trying to seek cash for the £3,000 family holiday he lost out on as a result of XL's collapse. "We were supposed to be Atol protected, but I never got a penny back from them," he added.
The CAA's David Clover told BBC Radio 4's Money Box programme that the organisation was taking steps to deal with the problem, but added that consumers may have to seek alternative routes.
"We are seeing some claimants coming back to us having gone to their credit card companies," he said. "We will review all these cases. The Financial Ombudsman Service may well have a role in this as well."
