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I have booked direct with owners many times. The only time there was a minor issue was when they sold the villa (we had booked about 9 months prior) they refunded all of the money paid and apologised for the inconvenience.
All of mine were either word of mouth or I had booked previously through Airbnb etc and subsequently went direct.
eskay
I want to rent a villa, golf me, if I use a credit card to pay: what am I protected against ?