Thanks for that - I'll check again but have a nasty feeling I tried the ftp prefix early on & it wasn't an option ( the saga drags on ).
I do understand it's 'protocol' , just lazily felt 'format' a descriptive term, not actual computer-speak !
Yes I did pay for & require extensions, in this case can live without them if I have to but...
I forget now, am I able to transfer the whole lot, domain name & all ( my ownership ??? ) to another host ?
As I say I'll go through your suggestions ASAP, thanks again.