Okay thank you.
The financial ombudsman will
not deal with commercial matters. So, you are faced with small claims court.
Assuming that from the emails
you have got, it is obvious, and would be to a judge, that the insurance
company was instructing you that I wouldn't mess about any more, I would simply
issue small claims court proceedings which you can do quite easily online at www.moneyclaim.gov.uk
You have to give both parties,
the insurer and the house owner, noticed that unless you get the money within
say, 10 days, you will issue legal proceedings without further notice
I would issue them against the
insurance company as first defendant and the house owner as second defendant.
The judge will decide who is liable.
Can I help further?
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The thread remains open.