It might be something of an understatement to say that the ski trip that Victor Thomas and his girlfriend Susie took in Zermatt, Switzerland, two years ago, did not go as planned. On her first day on the slopes, Susie fell and shattered her lower leg. She spent the rest of her vacation in the hospital.

Elliott is consumer advocate
WHAT'S YOUR PROBLEM? If you're having trouble with a travel business - any business - and you've reached a dead end, maybe I can help. Send me an