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Desperate Monarch customers have been bombarding their banks with claims since the airline collapsed at 4am on Monday morning amid fears they will be left hundreds – or even thousands – of pounds out of pocket.

They have been instructed to fill in claims forms, which require details of the flight including the number of passengers, as well as payment details.

This may be why those groups are especially vulnerable.

My personal opinion is not to worry about being straight, bi, or even gay.

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Thousands of households who snapped up cheap Monarch flights on credit cards just before it collapsed will also find themselves in this uncertain situation.

The airline bombarded customers with text messages and emails advertising 'thousands of winter sun seats' for as little as £32 to destinations including Alicante, Malaga and Majorca.

But the OFT ruled in July that this was unfair and that debit card customers should not pay an admin fee unless it is shown in the headline price.

There should be no extra charge for paying debit card.