Greetings, Thanks for the response ... and it was more or less what we expected as we've already issued the company with a deadline for collection as per Section 12 & 13 of the Torts Act.

Greetings, I wonder of one or other of you knowledgeable persons could help by throwing some light on our situation. We were advised by Santander on Friday that they had accepted and had started processing our Section 75 Claim which we made in respect of a hot tub that we purchased some few months back. Since the claim started, we have had no contact from the retailer. The problem arises as there now appears to be a difference in opinion between Santander (credit card issuer) and our home insurance company's legal department. On the one hand Santander are advising that title to the hot tub remains with us after completion of the payment from them to us, whilst the legal dept. over at Direct Line (home insurer's legal cover department) are advising that we are subject to the Torts Act, sections 12 & 13. How do I find out which guidance is correct . .. although I would suspect the the guys n gals over at Direct Line might be favourites here ?? Many thanks