You are entitled to a refund. That's it.....................

IMO yes. They don't know whose it is and, even if they did, they don't care. Pay the bill.

That is entirely up to Kroger. Not a legal issue.

You are in England. The rules may be different. Speak to a local solicitor.

If the place had a pool when you signed the agreement it doesn't seem there was anything deceptive. But, you should be able to rescind the contract.

Absent a written contract, you have no claim against them.

This is a Q&A forum. You have not asked a question.

Your question makes no sense as written.

Yes he can. ..........................................................

Turn it over to your insurance company.