Does anybody have experience of having booked with TCHC - http://www.thomascook-holidayclub.com/

It seems to be the same website as Marks & Spencer Travel Club - http://www.thomascookmands.com/

Likewise the HSBC Travel Club - http://www.thomascook-hsbc.com/

The Thomas Cook Holiday Club (cheaper than the regular TC website) appears to offer the same discount as the other two, although it's not clear who is entitled to book. I get the impression anybody can use it ?

The M&STC website is not user friendly - it quotes the holiday package up front with "optional extras" added as the default, and although some can be dropped at the update stage, it still won't let you dump them all online - you need to 'phone the call centre to do that - and they appear to only offer 6% discount whereas online it's 8%, or so they say.