Hi, same boat here, I have had some independant advice from a Finance credit advisor and they have advised me to contact CAB and to follow these two links. The first too read about section 75 and the second to write to both advent and Hitatchi: Consumer Credit Act 1974 (c. 39) - Statute Law Database Consumer Direct - 1 Consumer Credit Act 1974 - Template letter for use when Goods and Services have been bought on credit I have also spoke to Hitatchi who have informed me that they are setting up a department to deal with this and will get back to me. I had to confirm my contact details etc as previous posters have mentioned. Please let me know if you hear anything. Good luck to you all!