I think I have finally negotiated the labyrinthine and Kafka-esque system by which to get a refund from Ryanair. Ignore the online forms, and especially ignore the 'ChatBot' which is particularly useless.
Send a complaint email to '[email protected]'.
An automated reply (I got mine within seconds). This includes: "To online chat with an agent click here" (the word 'here' is in blue, which means it is a hyperlink).
The link connects one to a person via a chat window. The standard of English is a bit grim (there were a couple of replies, of which I was not certain what the person meant) but I am assured that my 'voucher' email (which includes a button to click to request a refund) is on its way.
Still, BA are refusing refunds to anyone that may have clicked a link for a voucher, whereas at least Ryanair are (belatedly) offering either/or.
I hope this helps someone get through.