Holidaymakers who have had their trips cancelled due to the pandemic have been told they may have to wait months for a refund - despite a 14-day money back rule.

Ryanair says it won't be processing refunds until after lockdown measures have eased - while 10 other major firms, including Tui and easyJet, are urging customers to settle for credit notes instead.

But what are your rights if you've been handed a credit note for a holiday and can you later swap it for your money back? More importantly, what's the difference between a 'credit note' and a 'voucher'?

The law states that if your package holiday is cancelled, you are entitled to a full cash refund within 14 days. Alternative options include a credit note or change of date - and many

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