Refund

More than 10,000 passengers flying in and out of London Heathrow have been affected by cancellations and delays after thick fog swept across Europe's busiest airport this morning. If your flight's been cancelled you should be able to claim a refund or rebook, but you may have to grin and bear it if you've been delayed.

Thousands of UK holidaymakers in The Gambia are to be flown home after the Foreign and Commonwealth Office (FCO) issued travel advice amid rising political unrest. If you've booked a package deal to the West African country you should be able to get a full refund, but the situation for DIY trips is less clear cut.

Budget airline Ryanair has declared it WILL recognise the jurisdiction of British courts in flight delay compensation cases, but only if customers shun third-party claims firms and approach the airline directly.

Former customers of Extra Energy who had £100s' worth of credit left on their accounts when they switched suppliers have been left waiting months for refunds. The energy company has blamed the delays on an IT issue and says final statements are now being sent to affected customers.

American Apparel's UK business has today entered administration, with customers now unable to use gift cards or get refunds for returned items, and pending online orders no longer being dispatched.

Tesco Bank says it restored normal banking facilities for its 136,000 current account customers by Tuesday night and insists it has now refunded about £2.5 million to the 9,000 victims of fraud identified following Saturday's major hack. If you bank with Tesco, don't assume it's all been put right – we explain your rights and what to check.

More than 11,000 NHS workers who overpaid tax and national insurance while training have applied for a refund since April, with many more thought to be owed money – but those reclaiming face a "long, laborious and inconsistent" process.

Debt purchase and collections company Motormile Finance UK has agreed to provide redress to more than 500,000 customers by writing off £414 million of debt and making repayments of £154,000 for historic failings in its due diligence and collections process.

John Lewis Partnership cardholders say they are still battling to resolve issues with their credit card payments, more than a fortnight after the firm's systems were hit with technical problems during a site revamp.

If you've a car insurance policy underwritten by Enterprise Insurance, you should urgently check if you're still covered, after the firm went into receivership today (26 October).