My train from Tirano was cancelled so a bus was provided and then I had to get the train from morbegno which was delayed because of a suicide attempt on the track. As a result of all this I was 2hrs late in total. The driver could not wait, another car could not replace him so I was charged the full amount. REFUND REFUSED.Then they sent me their refund policy. Unacceptable leaving me stranded in a foreign country where I don't speak the language. Also prior to this a 4th charge was made to my credit card without me making a booking. This charge disappeared after I complained vigorously about fradulent practices with credit card use. AVOID USING THIS COMPANY.