There are really 2 issues here and they need to be kept separate. 1) the 2nd pup. I don't think the breeder has any obligation to refund any of your money, and she could probably sue you for the 2nd payment. You agreed to purchase it, and the terms of payment were also agreed. You changed your mind and I think that her offer was very generous. You say you are out of pocket, but if she had held you to what you agreed, you would be more out of pocket. It isn't like buying a jumper from M&S. 2) The papers - something not right here. I think aims500 is more help than I could be. This could be the best means to getting a full refund for the 2nd dog. Good luck.