After going back and forth for a month I finally got my refund (full £700) from Ryanair. Please contact your bank and request a chargeback, collect all the evidence. You can say that there was no clear information stated anywhere that the credit card was required and that resulted in "service not received". Ryanair will have to pay for every chargeback (up to a £100) regardless if they win or loose. Also, if enough people do it it'll put them on the "black list" which may result in shutting down their business (car hire element) completely!
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