Just found this I am in the same boat. Sent 389 pounds by BACS in January for an ipad air and have the same issues. over 100 emails back and forth and ALOT of empty promises and no refund to date! Although they have agreen to pay in 4 installments, like most of you on here. I have filed a report with Action Fraud, and again nothing back!!! Waste of time! I had given up to be honest and felt that they only replied when I sent an email. But, They sent me an email today (unpromted) to say they are having problem with bank payments now and do I use Paypal. T BH I am nervous about giving my paypal account just incase they try to de-fraud that too. I have sent a short, sharp response, to send me a cheque It is positive that one person has been refunded (but how do we know thats not Emerald themselves posting on here)???. I think they enjoy the cat and mouse games and will keep waiting but trying not to think about it anymore