I had a booked flight to Stockholm, but there was a according Ryanair a scheduled maintenace that day and Ryanair suggested to re-book for "free" if delayed more than 3 hours (for "free" according e-mail from Ryanair) or cancel the flight with refund.
Since I had other bookings in Stockholm I chose to re-book for "free" and my flight was delayed 9 hours.
I booked a new flight but Ryanair charged the creditcard
And now Ryanair do not want to pay back.
It is in their policy not to pay back.
I had to book a hotel too for one night.