One century-old oak tree crashed down on the initial day of a holiday. Moments after James and his partner Andrew had finished eating breakfast on the terrace, the enormous tree smashed their table and chairs and damaged their rental car's windscreen.
The vacation home in Provence, France was covered by branches that shattered the living room window and harmed the roof. "I was convinced the ceiling would collapse," James remembers. "Had it fallen moments earlier, we could have been critically hurt or killed."
Had it come down moments earlier we would have been seriously injured or killed
Emergency repairs took a full day after the host winched the tree off the property, but the traumatized couple worried the building might be structurally unsound and chose to reserve a hotel for the rest of their week-long stay.
The booking platform showed little concern. "We recognize this may have caused some disruption," wrote the first of many identical automated messages before closing the unresolved case with a cheerful "Stay safe. Stay healthy."
The host displayed little concern. "All that happened was you experienced a loud sound and observed a tree lying on the terrace," she responded to the couple's refund request. "You have chosen to focus on the worry and trauma instead of cherishing a unique memory."
Now that the peak travel period has ended, numerous holiday horror stories are emerging.
Unfortunate travelers report being trapped inside or unable to enter their rental – when it existed – or left stranded at night in unfamiliar cities when it did not. Accounts include dirty bedrooms, dangerous equipment and illegal sublets. One shared element connects these spoiled holidays: they were reserved through digital reservation services that declined refunds.
The expansion of rental platforms has led to a rise in travelers arranging their own holidays. These platforms display worldwide property listings on their websites and promise to fulfill wanderlust on a budget.
Consumer protections, though, have not kept pace with their popularity.
All-inclusive customers have legal recourse for holiday nightmares under travel protection regulations, but those who book accommodation through third-party platforms find themselves reliant on their host's willingness to help.
Some platforms advertise extra protections, but your agreement is with the individual or company providing the accommodation.
James and Andrew had paid £931 for their week in the Provençal cottage and when they felt sufficiently endangered to return, ended up paying twice that for a hotel. They still await information about whether they are responsible for the broken rental car. Despite the platform's guarantee program to reimburse customers for major issues, the company declared it was up to the host to approve a refund; the host insisted the decision was the platform's.
After two and a half months of identical automated messages in response to James's complaint, the platform announced the case had continued long enough and abruptly ended it. The host decided that since repairs had cost her €5,000 (£4,350), she would not be providing a refund either. She suggested that instead the couple commemorate their survival and "transform the event into a positive story."
The platform eventually issued a complete reimbursement along with a £500 voucher after questions were raised about its health and safety policies.
Kim Pocock used a booking platform to reserve a flat for a two-night stay in Barcelona. She and her daughter were left trapped the property for the majority of their single full day in the city after a safety lock on the front door malfunctioned.
"The host dispatched a repair person, who was unable to help," she says. "Finally they called a locksmith who attempted for multiple hours to access the lock from the outside. He had to purchase a rope, which he threw up to our window and we hoisted up a tool and pliers. With us prying the lock from the inside and the locksmith hammering it from the outside, we eventually managed to extract it. It was discovered loose screws had blocked the mechanism. By then it was nearly 4pm."
We would have been at grave danger if there had been an emergency while we were locked in, yet the host blamed us for using the lock
Pocock asked for a full refund to compensate her spoiled trip and the anxiety. The booking platform indicated this was at the discretion of the host. The host not only refused, but kept her €250 deposit to pay for the replacement lock. The deposit was eventually returned by the platform but Pocock felt she was due the €446 rental cost.
Another platform customer, Philip, was trapped outside the London flat he reserved for £70 when, upon trying to check in, he found the lockbox empty. The owners told him they were overseas and could not help and advised him to find somewhere else for the night. He paid an extra £123 on a hotel room and has spent the following four months trying in vain to get this reimbursed.
"The platform has basically said that as the owner won't reply to them there's nothing they can do," he says. "I can't comprehend how a business can function this way with no responsibility. The extra frustration is that the property in question is still being advertised on the platform."
The platform reimbursed both customers after involvement. The company verified the host who had locked Philip out of his rental had not responded to its inquiries. When asked why dishonest accommodation providers were not removed, it said customers should review guest feedback to ensure a property was "suitable for them."
Reviews do not always reveal the whole story. A previous consumer report highlighted that one platform's default system was displaying reviews it considered "important." This means that it is simple for users to miss a current flood of reviews cautioning that a listing is a fraud or not available.
The platform countered that customers could easily sort reviews by the newest or lowest score so as to make their own decision on a property.
The same report stated that listings that had been repeatedly reported as scams were not taken down. The platform responded that it relied on hosts to follow its rules and ensure that availability was current.
The issue for travelers who do not get what they paid for is that their legal agreement is with the accommodation provider not the booking platform.
Major platforms commit to help find alternative accommodation in an crisis, but getting compensation for a interrupted stay is a tougher battle. Both typically rely on the owner to do what's fair.
The industry needs more regulation, according to consumer protection experts. "Since online platforms effectively self-regulate, the only course of action if the dispute continues is lawsuits," experts say. "But against whom? As the contract is between you and the host you'd have to take legal action in their country."
They continue: "One might claim that the online marketplace didn't manage to look into your complaint properly and try to sue them, but this is a legal uncertainty. Both firms are registered overseas and have deep pockets."
Government authorities say recent customer safety legislation requires online platforms to "demonstrate professional diligence" in relation to consumer purchases advertised or made on their platforms.
A spokesperson says: "Government agencies are on the side of consumers and we have implemented strict new financial penalties for breaches of consumer law to protect people's funds."
They continued: "Businesses selling services to domestic consumers must follow local law, and we have bolstered oversight authorities' powers to make sure they face substantial penalties if they do not."