Financial guru Martin Lewis is back on our television screens.
The owner of Money Saving Expert has returned to his usual This Morning slot on ITV to help consumers with all their finance woes.
This week Martin Lewis revealed the key sentence people should use to help hurry their bank up, especially if they're dragging their feet. He also warned PayPal users to act urgently over a change.
Speaking on the show, Martin told hosts Holly Willoughby and Phillip Schofield what you can do to get refunds for cancelled holidays faster and or escalate complaints.
His advice came in response to viewer Deborah, who said she had been left with nothing after her holiday was cancelled when STA travel ceased trading.
She did everything right, getting the evidence together, filling in the right forms and asking for chargeback from her bank, reports The Mirror.
But after eight weeks, her bank still hadn't dealt with it, adding that it would be "up to three months" after they got round to it for her money to reach her.
"I have no holiday, no money," she told the money saving expert.
Martin then advised the ITV viewer on what she could do next, but his tip could work against any bank that was delaying paying out.
He said: "I can tell you what your rights are, but if someone is just slow to process it's very difficult to force that forwards.
"If you have put in a formal complaint, and you feel it hasn't been dealt with, after eight weeks you could technically take them to the Financial Ombudsman.
"But I would just get back in touch with them and say: 'This isn't good enough. Please can you hurry it up... I don't want to have to take you to the Ombudsman.'
Martin said banks are charged a £650 case fee for almost all of the complaints people file against them there.
He added: "Worth nothing that if you take someone to the Ombudsman, then banks have to pay a fee. So that's a good incentive."
"I don't want to take you to the Ombudsman, but please hurry up or I will, because I want my money more quickly, you told me it would take eight weeks.
"That can often get you escalated in the complaints system but obviously it won't work for everybody."
