the police view of the cctv footage is that the figure walks to the cottage at 20:43. For this time to be correct and the figure to be meredith, she had to leave robyn's place at 20:35 or earlier. A fair amount earlier that the times given by both robyn and sophie. And meredith would have been at the cottage for at least 10 minutes before attempting to call her mother.
The call from meredith's phone to abbey bank around 22:00 is an indication that her phone was no longer in her control. The bank phone number didn't include the 44 prefix for the uk, so it's doubtful that meredith routinely contacted her bank that way since arriving in italy. The
micheli report theory is that the call was triggered by accident while the phone was in a pants pocket. That is possible, but who's pants pocket was it in by then?