My ficus houseplant has developed what I presume is mould? on the actual stems (not leaves) - would this be as a result of overwatering or is it too cold for it?
I zoomed-in and can see either aphids or whitefly I think:
As this is a houseplant and unlikely to be visited by beneficial insects, I think you could consider spraying it with a general bug spray from the garden centre (find one which states it is suitable for houseplants, if you can.) That will also deal with mealy bugs which may also be present judging by the white blob on the stem. For low/non-chemical treatment, a few thorough sprayings with slightly soapy water should eventually clear them. Whatever you decide, make sure you treat the underside of evey leaf as most will likely be luking there.
A trowel in the hand is worth a thousand lost under a bush.
Ficus benjamina are prone to spider mites, thrips, mealy bugs and scale insects. I cannot see any mildew on yours and think it's more likely to be mealy bugs.
I suggest, if you can, that you place it in the shower and give it a thorough spraying of lukewarm water all over and under the foliage then let it drain dry. Afterwards, give it a spray of some houseplant insecticide but be prepared to do repeat applications as mealy bug can be hard to shift.
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I suggest, if you can, that you place it in the shower and give it a thorough spraying of lukewarm water all over and under the foliage then let it drain dry. Afterwards, give it a spray of some houseplant insecticide but be prepared to do repeat applications as mealy bug can be hard to shift.
See here for more info on what they look like and how to deal with them - https://www.rhs.org.uk/advice/profile?pid=201