STRAIGHT TO THE POINT

I WAS delayed at Birmingham airport for five hours in 2012 on a Ryanair flight. EU rules allow a backdated complaint up to six years ago. Ryanair agreed to pay me €800 more than three months ago, but hasn’t. P. W., West Midlands YOu are quite right that you are entitled to compensation. Ryanair has now put a cheque in the post. I HAVE lasting power of attorney for my aunt. British Gas thinks she has an account despite her flat having no gas supply. Two letters have arrived, one with a final bill of 25p. J. E., by email. BRItISh Gas apologises for the delay, which it blames on an industry database. a spokesman says: ‘although we updated our records and closed down the gas account, the industry database remained to be updated.’ You will not receive any more bills. I HAVE seen accounts and investments labelled ‘FSCS- protected’. What does this actually mean? A. B., by email. IF YOuR money is covered by the Financial Services Compensation Scheme (FSCS) you’ll be able to get some of it back if the holding company goes bust. Deposits are covered up to £85,000. Investments are protected up to £50,000.

You can check regulated firms here: bankofengland.co.uk/pru dential-regulation/Authorisations/ which-firms-does-the-pra-regulate I REFERRED a complaint to Resolver and want to call to chase the outcome but I can’t find its telephone number. K. Y., by email. ReSOLveR does not have a customer telephone line. It says this is to keep its costs down. email the customer service team at: support@resolvergroup.com