I went to the incorrectly named "care desk". Lucky I was flying J because the Y queue was massive. They simply made a phone call and said "no hotel for you".

Normally a daytime 6 hour delay I'd take in my stride and spend in the lounge, but because it was "overnight" that wasn't my idea of fun either.

Yes - the Yotel was expensive booked on the spot (about $500 US / 500 euro) but it was the best option available - and travel insurance came good - thanks Amex.

I guess I could have tried to change to the next night's flight but it now seems this is a regular pattern and that too may well have been delayed and we had hotel bookings at the other end.

After I submitted a feedback form they offered to pay for the room if I submitted the receipt. Once I did that they reneged on the offer so that's when I decided to lodge an EC261 claim and they knocked it back so I've decided to follow up with legal action just on the principle.