I booked via kiwi.com a one-way ticket from Nanning to London. When I bought the ticket, I also bought travel insurance from the agency as well.The flights were:
Nanning -> Shanghai (Spring airlines)
Shanghai -> Hong Kong (Hong Kong Airlines)
Hong Kong -> London (Cathay Pacific)
After flying the first leg, I was told that the flight from Shanghai to HK wasn't available at the airport. In the end I bought a new ticket at the airport to London. This was around 2 weeks ago and I've since contacted the travel agency and insurance company (AXA).
The travel agency has an automated refunds system which says it will contact each carrier separately to obtain refunds and will take up to 3 months. It also mentions I could end up with nothing refunded and I will not be entitled to any further refunds once I apply. I contacted the UK branch of AXA (the travel agency links to the Czech branch of AXA) and filed a claim with them. I'm wondering if I should just issue a chargeback from my credit card company for the booking or should I wait for the my claim to be processed? If the claim fails then what would I be entitled to, if anything?