first thing you want to be checking is what DCawkwell suggested
to be honest I did think that this was the most likely myself.
I checked the indirect coil pipework and that is cold.
leaks! well I can't think where one would be that I haven't noticed.
unless its in the concrete slab I'm sure I would have noticed.
And if it is in the slab god knows how i'd find? god or a good plumber lol
thanks mate