totally agree with above to much insulating products bound to fail . bet there heating bill is a small fortuneProblem here is you have wet ufh with chipboard and the plywood on top of that. Both products are insulators, so customer wants warm floor. But can't as the timber is basically lagging the ufh. So they turn up the manifod temperature to make the floor feel better and doing so, the floor gets hotter, to a point that the tiles de-bond from the ply.
You could blame th customer, but a timber gloom on top of ufh is asking God trouble.