It's a big 5 bed house so went for a biggest vailliant do.
We had the system installed about 3 years ago, not sure if any heat loss calcs were done. Who would do that, the heating company?
Well when sizing boilers you don't just "go for the biggest" you rate them for the size of house and its heat loss. Probably needed about 18 kW !
You presumably had a nupty installer too who just did what YOU asked for because you are the customer and ( think ) you know best!
That's why its always better to get a competent installer and take his advice on the specifications!
As suggested set the d0 to 20 and see how that gets on. In fact during the summer I would suggest you set it to 16 which is likely to still be more that would ever be needed except in the coldest weather.
Tony